Top 5 New Cash Advance Apps of 2025

Short on cash before payday? You’re not alone (especially with the current state of our economy). With bills piling up and no paycheck in sight, millions turn to cash advance apps for a quick fix. But in 2025, these apps have come a long way; offering faster, more flexible, and affordable solutions than ever before.

Whether you're new to cash advances or looking to level up, these new cash advance apps are changing the game. Here are the top 5 you need to know about, and why they’re worth your attention.

1. True Finance

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

True Finance is making a name for itself among new cash advance apps in 2025 with a fresh take on short-term financial relief. Users can access up to $100 in cash advances with no interest, credit check, or hidden fees. But what really sets True Finance apart is its built-in opportunities to earn real money, just by completing tasks or playing games inside the app.

You’ll also find curated credit-building offers from trusted partners, so users can improve their financial profile over time if they choose.

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

Why It Stands Out: True Finance doesn’t just help you borrow, it helps you earn. It’s a modern, low-pressure way to stay ahead between paychecks.

2. FloatMe

Best For: Small advances with a subscription model

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.

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: Varo Advance provides a transparent and flexible borrowing option without the burden of interest or hidden fees. It's designed to help users manage short-term financial needs while building a positive borrowing history.​

4. B9

Best For: Flexible cash advances with transparent fees

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: B9 provides a straightforward and flexible borrowing option without the burden of interest or hidden fees. Its cashback rewards and instant transfer features add extra value for users.​

5. Gerald

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

Gerald offers a unique approach to cash advances by providing interest-free and fee-free advances ranging from $10 to $100, with the potential to increase over time based on responsible usage. 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: Gerald's model allows users to access necessary funds without the burden of fees or interest. By integrating shopping and mobile services, it provides a comprehensive financial tool that caters to everyday needs while offering the flexibility of cash advances.

Final Thoughts

If you’re tired of high-interest payday loans or complicated borrowing options, and are searching for the best new cash advance apps of 2025, any one of the apps we mentioned above is a great place to start. Although they might not be brand new, they are tried and true. They all offer a modern, accessible alternative. Whether you're a student, gig worker, or full-time employee, there’s likely an app that fits your needs; and many of them go beyond just giving you money, offering tools to help you save, plan, and grow financially.

As always, make sure to read the terms carefully and choose the app that aligns best with your income patterns and financial goals.

FAQs About New Cash Advance Apps

1. What are the best new cash advance apps in 2025?

Some of the top-rated cash advance apps in 2025 include True Finance, FloatMe, Varo, B9, and Gerald. These platforms offer fast access to funds with little to no fees, flexible repayment terms, and no credit checks.

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.