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 best 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 Best 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 plenty of opportunities to earn extra money.

True Finance is newer, but it’s designed to give you fast access to cash (up to $100) while helping you build better financial habits. There are no fees, no credit checks, and you can usually get your money the same day. What makes it stand out for me is the clean interface and how easy it is to understand exactly what you’re getting, no surprises.

2. EarnIn

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

If you're looking for flexibility, Earnin is one of the top choices out there. You can get up to $750 per pay period without any mandatory fees, just an optional tip if you feel like supporting the service. I like that it doesn't require a subscription, and transfers are super fast (especially if you link a debit card). Just keep in mind you’ll need to have a consistent direct deposit schedule for it to work smoothly.

3. Chime

• Cash Advance: Up to $500
• Fees: No fees, optional tips
• Best for: Chime account holders.

Chime lets you access part of your paycheck early with its MyPay feature, advancing up to $500 without fees if you wait 24 hours, or for a small $2 fee for instant transfers. Plus, their SpotMe overdraft protection lets you cover small shortfalls (up to $200) fee-free. It’s perfect if you want quick, low-cost cash advances built right into your banking app, no credit check required.

4. Brigit

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

Brigit offers up to $250 advances, but it makes up for that with extra features. For $9.99/month, you get access to budgeting tools, credit monitoring, and automatic cash advances when your balance is low. If you’re someone who wants a more well-rounded financial app that’s proactive, not just reactive, Brigit is worth looking into.

5. MoneyLion

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

MoneyLion gives you up to $500 with no fees at all, which is pretty rare. It’s more of an all-in-one finance app; you can get advances, track your credit, even invest or open a RoarMoney account. It can feel a bit “full-service” if you just want quick cash, but if you like having everything in one place, it’s a great option.

6. Empower

• Cash Advance: Up to $400
• Fees: $8/month subscription
• Best for: Users needing budgeting tools with cash advances.

Empower offers cash advances ranging from $10 to $400, providing quick access to funds without interest, late fees, or credit checks. The amount you qualify for depends on factors like your income and spending habits. While standard delivery can take 2–5 business days, opting for instant delivery incurs a small fee, typically between $1 and $8, depending on the amount and delivery speed. An $8 monthly subscription fee applies, allowing access to Empower's suite of financial tools, including budgeting, credit monitoring, and savings features.

7. Dave

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

Dave is a solid middle ground; it offers up to $500 in advances with no monthly fee, just an optional tip. What I like about Dave is how fast the cash hits your account when you use the Express option. Plus, it comes with a built-in budgeting feature that tracks your bills and spending, which is actually pretty useful.

8. Klover

• Cash Advance: Up to $200
• Fees: No fees (monetizes data)
• Best for: Small advances with no credit check and fast access (with a fee).

With Klover, you can grab up to $200 without interest or a credit check, and standard deposit (3 business days) is entirely free. But if you're in a hurry and request an instant transfer, be prepared to pay anywhere from $1.99 to nearly $17, depending on how much you borrow. Plus, their optional $3.99/month “Klover+” plan adds perks, but doesn’t eliminate those express fees. So yeah, great free alternative if you don’t mind the wait... or the occasional transfer cost.

9. Albert

• Cash Advance: Up to $250
• Fees: $14.99/month Genius Subscription Required
• Best for: Small, short-term cash advances with no credit check.

Albert offers a straightforward cash advance option through its Instant Advance feature. Eligible users can access up to $250 without credit checks, interest, or late fees. Funds can be transferred instantly for a small fee or within 2–3 business days at no additional cost. To qualify, users need a linked bank account with consistent income and an active Albert Cash account. Repayment is typically due within 6 days, with options for manual or automatic repayment through the app. It's a convenient choice for those seeking quick, fee-free cash advances.

10. FloatMe

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

FloatMe offers tiny advances, called “Floats”, typically starting at around $10 to $20, maxing out around $50 based on eligibility. You’ll need to pay a $3.99–$4.99 monthly subscription just to request funds. Standard ACH funding takes 1–3 business days, or you can get it instantly by paying a fee; usually $1 for $10, up to $5 for a $50 advance

11. Current

• Cash Advance: Up to $750
• Fees: None
• Best for: Mobile banking with free high cash advances.

Current gives you access to up to $750 from your next paycheck, with no interest, no credit check, and no tips required. You can get the money in your Current account for free in a few business days, or you can pay a small fee to get it instantly. It’s simple, fast, and doesn’t come with all the strings you’ll find at traditional payday lenders. Just make sure your paycheck is getting deposited into your Current account to qualify.

12. Vola

• Cash Advance: Up to $500
• Fees: From $2.99-$28.99/month
• Best for: Anyone who wants fast cash with no interest.

Vola offers up to $500 in cash advances with no credit check or interest. You just pay a monthly subscription fee, which starts around $2.99 but can go higher depending on how much you want to borrow. Advances can land in your bank within hours, or instantly if you use the Vola Card.

It’s simple to use, but heads up: many users start with really small advance amounts, like $20, and some report issues with canceling or getting support.

13. Cleo

• Cash Advance: Up to $250
• Fees: $5.99/month
• Best for: AI-driven budgeting with small advances.

Cleo offers cash advances up to $250 with no interest and no credit check. You’ll need a monthly subscription (starting at around $5.99) and may pay a small fee if you want your money instantly. If you’re okay waiting a few days, it’s free to receive. Repayment is flexible; Cleo won’t charge late fees or ding your credit. That said, the actual amount you qualify for may be less than expected, and some users have had trouble canceling. Still, it’s a solid option if you want a quick, no-hassle way to access cash.

The Difference Between Cash Advance vs. Payday Loans

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.

FAQs About Best Cash Advance Apps in 2025

1. How do cash advance apps work?

Cash advance apps link to your bank account and monitor your income and spending. When you're eligible, they allow you to borrow a small amount of money, usually between $50 and $500, which is automatically repaid when your next paycheck hits.

2. What’s the difference between a cash advance app and a payday loan?

Cash advance apps typically charge little to no interest and often rely on optional tips or low monthly fees. Payday loans, on the other hand, usually come with high interest rates and fees, making them a riskier and more expensive option.

3. Do cash advance apps check your credit score?

Most cash advance apps do not require a credit check. Instead, they assess your eligibility based on factors like income, spending habits, and bank account activity, making them accessible to users with no or low credit scores.

4. What are the risks of using cash advance apps?

While cash advance apps are generally safer than payday loans, users may still fall into a cycle of borrowing each pay period. Some apps charge subscription fees, and relying on them too often can lead to poor budgeting habits.

5. Which cash advance app gives you money instantly?

Apps like True Finance, Earnin, Dave, and Brigit offer instant transfers, sometimes within minutes, for a small fee or optional tip. However, timing may depend on your bank’s processing speed.