Cash advance apps have made it easier for people to access funds quickly, helping cover short-term financial needs without the burden of high-interest payday loans. These apps allow users to borrow small amounts of money and repay them when they receive their next paycheck. In this guide, we’ll explore the best cash advance apps, focusing on our top 15 picks. Whether you’re looking for free instant cash advance apps, new cash advance apps, or apps that integrate with platforms like Cash App, Chime, and Wisely, we’ve got all the details you need. For those considering long-term financial security, it might also be worth looking into how you can choose a gold IRA company to diversify your investments and protect your savings.

What Are Cash Advance Apps?

Cash advance apps allow users to access small loans, typically between $50 and $500, to help cover expenses before their next payday. Most apps charge little to no interest, and some operate on a voluntary tipping system. These apps often provide instant access to funds, with the loan automatically repaid once the user receives their paycheck. The key advantages of cash advance apps are their low fees and convenience compared to payday loans.

The Best Cash Advance Apps of 2024

Here’s our top 15 cash advance apps:

1. True Finance
2. Earn In
3. Chime
4. Brigit
5. MoneyLion
6. Empower
7. Dave
8. Klover
9. Money App
10. Albert
11. FloatMe
12. Current
13. Vola
14. Cleo
15. Super

Let’s take a closer look at each app and how they work.

1. True Finance

True Finance offers $25-$100 in instant cash advances . Users can access funds quickly and repay with no interest. True Finance also provides credit score monitoring and identity protection services, Loans, Ways to save money on different things like Car insurance and Ways to earn money right off your phone making it a well-rounded financial app.

• Cash Advance Amount: Up to $100
• Fees: $3.99 for premium subscription
• Best For: Simple, cash advances with added financial protection tools and ways to earn money by completing tasks.

2. Earnin

Earnin allows users to access up to $750 from their paycheck before payday. The app operates on a voluntary tipping model, meaning you pay what you think is fair for the service. Earnin also includes features like Balance Shield to help prevent overdrafts.

• Cash Advance Amount: Up to $750
• Fees: No mandatory fees, voluntary tips
• Best For: Larger advances and no mandatory fees.
  

3. Chime (SpotMe)

Chime offers a SpotMe feature that acts as a cash advance by allowing users to fund their accounts up to $200 with no fees. Chime is a full-service online banking platform, making it a solid option for users looking for a built-in cash advance solution.

• Cash Advance Amount: Up to $200
• Fees: No fees, optional tipping
• Best For: Existing Chime users who want easy overdraft protection.

4. Brigit

Brigit offers cash advances of up to $250 with a monthly subscription fee of $9.99. The app also provides additional financial tools like credit monitoring, budgeting, and overdraft alerts, making it a more comprehensive option for financial management.

• Cash Advance Amount: Up to $250
• Fees: $9.99 monthly subscription
• Best For: Users who want cash advances combined with financial tools.

5. MoneyLion

MoneyLion provides up to $500 through its Instacash feature. Users can access this advance with no fees or interest, and the app also offers a range of other financial services, including investment options and credit-building loans.

• Cash Advance Amount: Up to $500
• Fees: No mandatory fees
• Best For: Users seeking a full-service financial app with cash advances.

6. Empower

Empower offers up to $250 in cash advances without interest, though it charges an $8 monthly subscription fee. Empower also provides users with tools like budgeting, expense tracking, and automatic savings, making it a great choice for those looking for both cash advances and financial management.

• Cash Advance Amount: Up to $250
• Fees: $8 monthly subscription
• Best For: Users who want financial management tools alongside cash advances.

7. Dave

Dave provides cash advances up to $500 and operates on a voluntary tipping model. The app includes an ExtraCash feature that alerts users when they are at risk of overdrafting their accounts.

• Cash Advance Amount: Up to $500
• Fees: No mandatory fees, optional tips
• Best For: Users needing overdraft protection with their cash advance.

8. Klover

Klover is a free cash advance app offering advances up to $200 with no fees or interest. Instead, the app monetizes user data by sharing it with third parties. Klover also provides financial insights and credit score tracking.

• Cash Advance Amount: Up to $200
• Fees: No fees, monetizes data
• Best For: Free advances for users comfortable with data sharing.

9. Money App

Money App allows users to earn money by completing small tasks such as taking surveys, watching videos, and more. While it’s not a traditional cash advance app, users can earn cash and redeem it via PayPal.

• Cash Advance Amount: Earn through tasks (no set limit)
• Fees: No fees
• Best For: Users looking to earn extra cash without borrowing.

10. Albert

Albert offers cash advances up to $250 through its Albert Cash feature. The app also includes budgeting tools, automatic savings, and investment accounts. Albert is a comprehensive financial app designed to help users manage both short-term and long-term finances.

• Cash Advance Amount: Up to $250
• Fees: No mandatory fees, voluntary tips
• Best For: Users looking for an all-in-one financial tool.

11. FloatMe

FloatMe provides small cash advances of up to $50, ideal for covering minor expenses. The app charges a $1.99 monthly fee and includes budgeting tools and overdraft alerts.

• Cash Advance Amount: Up to $50
• Fees: $1.99 monthly subscription
• Best For: Small advances for minor expenses.

12. Current (Overdrive)

Current offers cash advances of up to $200 through its Overdrive feature. Users must have a Current account to qualify for this advance, making Current a solid choice for mobile banking and cash advances.

• Cash Advance Amount: Up to $200
• Fees: No fees
• Best For: Users seeking a mobile banking service with cash advances.

13. Vola

Vola offers cash advances up to $300 with a monthly subscription fee starting at $2.99. The app includes budgeting tools and financial tracking features to help users manage their spending.

• Cash Advance Amount: Up to $300
• Fees: $2.99+ monthly subscription
• Best For: Affordable advances combined with financial tracking tools.

14. Cleo

Cleo provides cash advances up to $100 through its Cleo Plus service, which costs $5.99 per month. Cleo also features AI-driven budgeting tools to help users manage their finances better.

• Cash Advance Amount: Up to $100
• Fees: $5.99 monthly subscription
• Best For: Budgeting help alongside cash advances.

15. Super

Super is a new cash advance app offering users up to $250 without interest or fees. It has a user-friendly design and fast approval process, making it an attractive option for users who need quick access to cash.

• Cash Advance Amount: Up to $250
• Fees: No fees
• Best For: Users looking for a simple, fast cash advance.

Cash Advance Apps vs. Payday Advance Apps

Cash advance apps typically offer smaller, low-fee loans that are tied to your paycheck, while payday advance apps tend to charge high fees and interest, similar to traditional payday loans. The lower risk of getting trapped in debt cycles makes cash advance apps a better choice for short-term borrowing.

Which Cash Advance App Is Right for You?

Cash advance apps are a convenient way to access money quickly without the high fees of payday loans. Depending on your needs—whether it’s small, fee-free loans, or a full financial management tool—there’s a cash advance app out there for you. Apps like True Finance and Earnin provide free instant cash advances, while Brigit and MoneyLion offer comprehensive financial services.

Always consider factors like fees, loan amounts, and compatibility with platforms like Chime, Cash App, or Wisely when choosing the best cash advance app for your needs.

Frequently Asked Questions:

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.

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.

What are the best cash advance apps?
Some of the best cash advance apps of 2024 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.

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.

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.