New Cash Advance Apps (2025): 5 New Options Compared for Fees, Limits & Speed

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Money’s tight, and payday’s not here yet. We tested a handful of new cash advance apps to see what’s fast, what it costs, and which ones are actually worth opening.

Here are the top 5 you need to know about, and why they’re worth your attention.

How we picked (and what “new” means here)

We prioritized apps that (a) launched or materially changed since 2023, or (b) introduced notable 2025 updates. We scored each on: maximum advance, pricing model (subscription/fees), instant-speed options, eligibility rules (like direct-deposit minimums), and standout features (cashback, BNPL, earn-inside-app). Details were verified on official product pages and support docs linked below.

Quick Comparison Between the New Cash Advance Apps:

*Actual limits and eligibility vary by account history and app policies.

The 5 Best “New Cash Advance Apps” of 2025

1. True Finance

Best For: Quick advances and earning extra money in-app

True Finance offers cash advances up to $100 with no interest. What makes it different is the ability to earn extra money via tasks and games in-app, plus credit-monitoring tools. Developer notes on iOS confirm typical approvals range from $10–$100 (average ~$40 as of Apr 2025).

Key Features:

• Instant cash advances up to $100
• Earn extra money by completing tasks or playing games
• Affiliate-based credit-building offers available in-app
• Flat monthly subscription fee, no hidden charges
• Other features such as: Credit checks, budgeting, etc.

Why It Stands Out: Borrow a little and earn in the same app; useful if you’d like to reduce how often you need an advance.

Consider if: You want a predictable subscription vs. per-advance fees.

Skip if: You need more than $100; True is currently capped at $100.

2. FloatMe

Best For: Occasional, small “float” with a simple membership

FloatMe offers cash advances up to $50, with new users typically starting at a $10–$20 limit. The app charges a $4.99/month subscription fee and provides instant transfer options for an additional fee of $1–$7, depending on the transfer size.

Key Features:

• Cash advances up to $50
• Subscription-based pricing
• Instant transfer options for an additional fee
• In-app forecasting tools to predict available balance

Why It Stands Out: FloatMe offers small, short-term advances with a subscription model, making it a viable option for users who need occasional financial assistance.

Consider if: You want a low limit and a minimal learning curve.

Skip if: You want higher caps or to avoid monthly subscriptions.

Get Cash Advances Up to $100 — Instantly

True Finance offers instant cash advances with no interest, no credit check, and funds in minutes.

Get Started Now

Available to eligible users only. Terms apply.

3. Varo Advance

Best For: Flexible cash advances with transparent fees

Varo Advance offers cash advances ranging from $20 to $250 initially, with the potential to increase up to $500 over time. To qualify, you must have a Varo Bank Account and receive at least $800 in qualifying direct deposits during the current or previous calendar month. Eligibility is evaluated daily, and your credit limit may increase based on factors like timely repayments and account activity.

Key Features:

• Cash advances from $20 to $250, increasing up to $500 over time
• Flat fees ranging from $1.60 to $40, depending on the loan amount
• Repayment period of 30 days, with the option to choose your repayment date
• No interest charges or hidden fees
• Funds deposited into your Varo Bank Account immediately upon approval​

Why It Stands Out: Clear, posted fees and rules; eligibility re-evaluated daily.

Consider if: You can move your direct deposit and want a path to higher limits.

Skip if: You prefer no-fee advances or don’t want a new bank account.

4. B9

Best For: Larger advances with banking features

B9 offers cash advances ranging from $30 to $750 per pay period, depending on your subscription plan and direct deposit activity. To qualify, you must set up a direct deposit of at least $300 within the last 14 days into your B9 account. New users typically start with advances between $30 and $50. The average approved advance for B9 Basic plan users is $81, while Premium plan users average $257.

Key Features:

• Cash advances up to $750 per pay period
• No credit checks, interest, or late fees
• Subscription plans: B9 Basic and B9 Premium
• Instant transfers between B9 members
• Earn up to 5% cashback with the B9 Visa® Debit Card
• FDIC-insured bank account through Evolve Bank & Trust​

Why It Stands Out: Higher ceiling + cashback ecosystem if you’re willing to bank with B9.

Consider if: You’re comfortable setting up direct deposit with a new account.

Skip if: You want a $0 subscription or don’t need higher limits.

5. Gerald

Best For: Fee-free cash advances with integrated shopping and mobile services

Gerald has a unique approach to cash advances. They provide interest-free and fee-free advances ranging from $10 to $100, with the potential to increase over time based on responsible usage. The twis it, in order to access a cash advance, users are required to make a purchase through Gerald's Buy Now, Pay Later (BNPL) feature within its integrated store, which offers everyday essentials, household items, groceries, and even T-Mobile powered eSIM mobile plans. After utilizing the BNPL feature, users can unlock the ability to initiate a cash advance transfer directly to their linked bank account without any fees. ​

Key Features:

• Cash advances from $10 to $100, with potential increases over time
• No interest, late fees, or transfer fees
• Integrated BNPL shopping for essentials and mobile services
• No mandatory minimum or maximum repayment time frames
• Available on both iOS and Android platforms

Why It Stands Out: Zero transfer fees once eligible, plus an integrated store (including everyday items and bills).

Consider if: You often need small, fee-free help and like the BNPL flow.

Skip if: You need more than $100 or don’t want to use BNPL before advancing.

Which “New” App Is the Best?

• Need any help today with minimal friction? FloatMe or True Finance are simple, small-limit starters.
• Want a path to $250–$500? Varo Advance (with $800 direct deposit) is built for scaling limits.
• Need the highest ceiling and don’t mind a subscription? B9 Premium goes up to $750 per pay period.
• Hate fees? Gerald’s approach can be fee-free after you make a BNPL purchase in-app.

Final Thoughts

Money gaps happen. These apps can cover a short stretch, but they work best when you use them sparingly and repay on time. Pick the one that fits your deposit schedule, fees you can live with, and the speed you actually need. Then set a small goal, even $20 a paycheck, to build a buffer so you borrow less next month.

FAQs About New Cash Advance Apps

FAQs About New Cash Advance Apps

1. What are the best new cash advance apps right now?

Top new or newly updated options include True Finance, FloatMe, Varo, B9, and Gerald, covering a range from $100 fee-free transfers (after BNPL) to $750 pay-period caps. Pick based on fees, deposit rules, and speed.

2. Do cash advance apps hurt your credit?

Most cash advance apps do not perform hard credit checks, so they won’t impact your credit score. However, missing repayments or mismanaging funds could still indirectly affect your financial health.

3. How do I qualify for a cash advance app?

Eligibility usually requires a linked bank account, recurring direct deposits, and a consistent income stream. Some apps also have subscription options or tiered access levels based on usage and payment history.

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

Payday loans often come with high interest rates and fees, while cash advance apps offer low or no-cost advances with more flexibility. Apps typically let you repay on your own schedule, without getting trapped in a debt cycle.

5. Can I get multiple cash advances from different apps?

Yes, it’s possible to use more than one app, but it's important to track your spending and repayment schedules. Taking advances from multiple platforms can lead to financial stress if not managed carefully.