Need access to money before your next paycheck? We've compared several popular cash advance options below so you can quickly review advance limits, fees, requirements, and other important features.

Why These Cash Advance Apps Made Our List

We compared these cash advance apps based on factors like advance limits, fees, transfer speed, eligibility requirements, and overall flexibility. Each one stands out for a different reason, but none is perfect. Here’s why we recommend them and where they may fall short.

EarnIn — Best for Higher Advance Limits

Why we like it: EarnIn offers one of the highest advertised limits among the cash advance apps we compared, with eligible users able to access up to $150 per day and up to $1,000 per pay period. It also doesn’t charge interest or require a traditional credit check.

The downside: Your available amount may be much lower than the advertised maximum, especially when you first start using the service. Faster transfers may also come with a fee.

Current — Best for Customers With Qualifying Payroll Deposits

Why we like it: Current offers eligible users paycheck advances of up to $750 and provides a free standard delivery option. It may be a good fit for people who already receive qualifying payroll deposits and want their banking and advance features in one place.

The downside: You need qualifying payroll deposits to become eligible, and the maximum $750 advance isn’t available to every user.

Klover — Best for Flexible Advance Options

Why we like it: Klover advertises cash advances of up to $750 for eligible users without interest or a traditional credit check. Standard delivery is also available without an expedited transfer fee.

The downside: Available limits vary by user, and optional faster delivery can cost extra.

Grant — Best for Flexible Membership Options

Why we like it: Grant offers eligible users cash advances of up to $500 without interest, late fees, or a credit check. Standard delivery is available at no extra cost, and users can request an advance without signing up for the paid Grant Plus membership.

The downside: The $500 maximum is geared toward qualifying repeat users, so new users may receive a much smaller amount. Faster delivery also comes with an additional fee.

Brigit — Best for Extra Financial Tools

Why we like it: Brigit offers eligible users cash advances of up to $500 with no interest, late fees, or traditional credit check. It also includes budgeting and financial tools, making it a good option for people who want more than just access to an advance.

The downside: Brigit has specific bank account and recurring deposit requirements, so not everyone will qualify. Faster delivery can also cost extra.

FloatMe — Best for Smaller Cash Advances

Why we like it: FloatMe may be better suited to people who only need a smaller advance. Eligible users can access up to $200, with no interest or traditional credit check.

The downside: New users often start with much smaller limits, so you shouldn’t expect to receive the $200 maximum immediately.

True Finance — Best for an All-in-One Financial Toolkit

Why we like it: True Finance combines cash advances of up to $150 with budgeting, credit monitoring, identity protection, ways to earn extra money, and other financial tools through its Premium membership.

The downside: A Premium membership is required to access cash advances, and not every member will qualify for the maximum amount.

How Cash Advance Apps Work

Cash advance apps are designed to give eligible users access to small, short-term advances without going through a traditional loan application. Depending on the provider, your available amount may be based on things like your income, bank activity, direct deposits, or account history.

Many cash advance apps don’t charge interest or use a traditional credit check. Instead, each provider sets its own eligibility requirements, advance limits, delivery options, and fees.

Some apps also require a monthly membership, while others let you request an advance without subscribing. Because these details can vary quite a bit, it’s important to compare more than just the advertised maximum amount when choosing an app.

What to Compare Before Choosing a Cash Advance App

Not all cash advance apps work the same way. Before signing up, compare the features that can have the biggest impact on cost, convenience, and how much you may be able to access.

Cash Advance Limits

Start by looking at both the advertised maximum and the amount you may realistically qualify for. Among the apps on our list, maximums range from $150 to $1,000 per pay period, but that doesn’t mean every user will receive the highest amount.

Some apps start new users at lower limits and may increase them over time based on account history, income, or other eligibility factors.

Fees and Membership Costs

Some apps offer free standard transfers but charge for faster delivery. Others may require a monthly membership or offer optional paid plans with additional features.

For example, True Finance requires a Premium membership for cash advance access, while Grant and Brigit offer paid memberships but also provide ways to request an advance without subscribing.

The important thing is to look at the total cost of using the app, not just whether the advance itself charges interest.

Repayment Terms

Check how and when repayment is collected before accepting an advance. Some apps schedule repayment around an expected deposit, while others use a set repayment date or connected bank account.

Repayment terms vary by provider, so it’s worth understanding exactly when the money will be collected and what happens if your income schedule changes.

Eligibility Requirements

Each cash advance app uses its own criteria to determine eligibility and available limits. Providers may consider things like recurring income, direct deposits, bank account history, transaction activity, or membership status.

For example, Current focuses heavily on qualifying payroll deposits, while Brigit looks for recurring deposits and sufficient bank account history.

A high advertised maximum doesn’t necessarily mean you’ll qualify for that amount.

Transfer Speed

Delivery times are also worth comparing. Many of the apps on our list offer a free standard transfer that takes a few business days, along with a faster option for an additional fee.

If you don’t need the money right away, choosing standard delivery can help you avoid paying extra just to receive the advance sooner.

Frequently Asked Questions

1. What is the best cash advance app?

There isn’t one cash advance app that’s best for everyone, but the apps on our list stand out for different reasons.

EarnIn offers one of the highest advertised limits at up to $1,000 per pay period. Current and Klover offer up to $750, while Grant and Brigit offer up to $500. FloatMe may be better for smaller advances, and True Finance combines advances with several additional financial tools.

The best option depends on how much you need, how you qualify, the fees involved, transfer speed, and whether you’re comfortable paying for a membership.

2. How much can you get from a cash advance app?

Among the apps we compared, EarnIn currently advertises the highest maximum at up to $150 per day and $1,000 per pay period for eligible users.

Current and Klover advertise advances up to $750, Grant and Brigit up to $500, FloatMe up to $200, and True Finance up to $150.

Keep in mind that those are maximums. Your actual available amount may be much lower depending on the provider’s eligibility requirements and your account activity.

3. Do cash advance apps check your credit?

Most of the cash advance apps on our list, including EarnIn, Current, Klover, Grant, Brigit, FloatMe, and True Finance, don’t use a traditional credit check to determine cash advance eligibility.

Instead, they may look at factors like your income, direct deposits, bank account activity, transaction history, or account history.

For example, Current requires qualifying payroll deposits, while Brigit looks at recurring deposits and bank account history.

4. Are cash advance apps free to use?

Some can be used without paying a transfer fee, but that doesn’t always mean the entire service is free.

Many apps offer free standard delivery and charge extra for faster transfers. Some also have monthly memberships or optional paid plans.

True Finance, for example, requires a Premium membership for cash advance access, while Grant and Brigit offer paid memberships but also provide ways to request an advance without subscribing.

Always check both membership costs and delivery fees before signing up.

5. How quickly can you get money from a cash advance app?

Transfer times depend on the app and the delivery option you choose.

Free standard transfers usually take anywhere from one to a few business days, while many providers offer faster delivery for an additional fee. Brigit, Grant, EarnIn, Current, and others all offer some form of expedited transfer.

If you don’t need the money immediately, standard delivery is usually the less expensive option.