Cash advance apps make it simple to access quick funds for short-term financial needs, offering a viable alternative to high-interest payday loans. These apps allow users to borrow small amounts (typically $50–$500) with minimal or no fees, repaid once their paycheck arrives. This guide reviews the top 15 cash advance apps of 2025, including options like Earnin, Brigit, and Klover, ensuring you find the best app to meet your needs.

What Are Cash Advance Apps?

Cash advance apps provide users with short-term loans, often between $50 and $500, without the high fees typically associated with payday loans. Most charge little to no interest and some operate on a voluntary tipping basis. These apps allow for rapid fund transfers, with repayment taken directly from the user’s paycheck.

Top 15 Cash Advance Apps of 2025

1. True Finance

• Cash Advance: Up to $100
• Fees: $4.99/month for premium features
• Best for: Simple advances and financial protection tools.

2. Earn In

• Cash Advance: Up to $750
• Fees: Optional tipping
• Best for: Larger advances with no mandatory fees.

3. Chime

• Cash Advance: Up to $200
• Fees: No fees, optional tips
• Best for: Chime account holders.

4. Brigit

• Cash Advance: Up to $250
• Fees: $9.99/month
• Best for: Financial tools and cash advances.

5. MoneyLion

• Cash Advance: Up to $500
• Fees: No fees
• Best for: Full-service financial app with cash advances.

6. Empower

• Cash Advance: Up to $250
• Fees: $8/month subscription
• Best for: Users needing budgeting tools with cash advances.

7. Dave

• Cash Advance: Up to $500
• Fees: Optional tipping
• Best for: Overdraft protection and instant cash access.

8. Klover

• Cash Advance: Up to $200
• Fees: No fees (monetizes data)
• Best for: Users seeking free advances.

9. Money App

• Cash Advance: No set limit (earn via tasks)
• Fees: None
• Best for: Earning extra cash through activities.

10. Albert

• Cash Advance: Up to $250
• Fees: Optional tips
• Best for: All-in-one financial tools.

11. FloatMe

• Cash Advance: Up to $50
• Fees: $4.99/month
• Best for: Small advances for minor expenses.

12. Current

• Cash Advance: Up to $200
• Fees: None
• Best for: Mobile banking with cash advances.

13. Vola

• Cash Advance: Up to $300
• Fees: From $2.99/month
• Best for: Affordable subscription-based advances.

14. Cleo

• Cash Advance: Up to $100
• Fees: $5.99/month
• Best for: AI-driven budgeting with small advances.

15. Super

• Cash Advance: Up to $250
• Fees: None
• Best for: Fast, fee-free advances.

Cash Advance vs. Payday Advance Apps

While both types of apps offer quick cash, cash advance apps typically have lower fees and smaller loan amounts, reducing the risk of falling into a debt cycle compared to payday loans, which tend to charge high-interest rates.

Which Cash Advance App Is Right for You?

Cash advance apps offer a fast, low-cost alternative to payday loans, but choosing the right one depends on your unique needs. If you prioritize fee-free loans, apps like True Finance and Earnin are excellent options. For those seeking a broader suite of financial tools, Brigit and MoneyLion provide robust services beyond cash advances.

Consider key factors such as fees, loan limits, and compatibility with your financial accounts (e.g., Chime or Cash App) to ensure the app you select aligns with your financial goals and lifestyle.

Frequently Asked Questions:

1. What cash advance apps work with Cash App?

Most cash advance apps require a traditional bank account, but you can link apps like Earnin, Dave, and Brigit to a bank account that also links to Cash App. These apps can transfer funds to your bank account, which you can then move to Cash App.

2. What cash advance apps work with Chime?

Several cash advance apps work with Chime, including:

• Earnin
• Dave
• Brigit
• Klover
• Empower

Chime’s SpotMe feature also acts as an integrated cash advance service for its users.

3. What are the best cash advance apps?

Some of the best cash advance apps of 2025 include:

• Earnin for its large advance limit and no mandatory fees
• Chime (SpotMe) for existing Chime users
• MoneyLion for users wanting full financial services alongside cash advances
• Dave for its overdraft protection
• Brigit for those looking for financial tools and advances.

4. What cash advance apps work with Wisely?

Some apps, like Earnin and Brigit, may work with Wisely if your Wisely card accepts direct deposits. It’s important to check each app’s compatibility with Wisely before using it.

5. What cash advance apps work with Cash App without a bank account?

Currently, no cash advance apps allow you to use Cash App without a linked bank account. Most apps require direct deposit into a traditional bank account, and then you can transfer the funds to Cash App.