Need cash advance apps like Cleo?
Here’s the deal: Sometimes life throws unexpected expenses at you, and you just need a quick way to cover them. Whether it's an urgent bill or just a little extra to get by, there are apps that can spot you some cash instantly—no hassle, no waiting.
I’m going to break down the best cash advance apps like Cleo that can get you money in minutes. These apps work with Varo, Chime, Current, and most traditional banks, making it easy to get an instant $50, $100, or more when you need it.
No credit check, no lengthy applications—just a few taps on your phone and the money is in your account.
Here are the best cash advance apps available on the App Store and Google Play to help you borrow cash without stress:
But first, what is Cleo?
What is Cleo?
Cleo offers cash advances of up to $250 with no interest, but there’s a catch—it’s only available if you subscribe to Cleo Plus, which costs $5.99/month. You get to choose your repayment date (between 3 and 28 days), and it won’t impact your credit score.
If you’re just using the free version of Cleo, you’ll get budgeting tools, a digital wallet, and a chance to win cash rewards through weekly quizzes—but no cash advances.
Need more than $250? There are other cash advance apps like Cleo that offer up to $500 per advance, so you’ll want to check out a few options before deciding.
- You can earn cash back rewards and enjoy salary advances up to $250 with Cleo Plus ($5.99 a month)
- Robust free version that helps you budget, automatically save and track your spending
- You can earn interest on your savings
Best Cash Advance Apps Like Cleo
These apps help you get your paycheck early and can help you get paid today.
1. Current
Current lets eligible users get up to $750 in cash advances with no interest and no credit check. To qualify, you need at least $500 in payroll deposits going into your Current account or a linked bank. Standard transfers are free but take up to three business days, while instant transfers cost a fee. You’ll need to repay within 35 days, or you could lose access to future advances. Unlike other cash advance apps, there’s no mandatory subscription fee, making it a solid option if you need cash fast.
- Payday is just one tap away
- Get up to $750 before payday
- Get free instant access to your paycheck in advance
- No credit checks and 100% free
- Get $50 free with code WELCOME50 and a $200+ deposit in 45 days!
2. EarnIn
Why wait for payday when the money is already yours? EarnIn lets you get up to $150 a day and $750 each pay period for free with no fees no interest and no credit checks. It is your money so you can use it right away to pay bills, avoid overdrafts or cover unexpected expenses without going into debt. Sign up today and get instant access to your paycheck whenever you need it.
- Access to your hard-earned cash right when you need it
- No hidden fees, no penalties, no waiting
- Get up to $750 of your paycheck per pay period
3. Brigit
Brigit is another instant loan app that can help anyone get paid today. By downloading the free app on iOS or Android — you can join 3 million members who get paid up to $250, budget, and save smarter with Brigit. Only takes 2-minutes. Brigit has no credit check and no interest so you can get your finances on track.
- Tap to get an advance within seconds
- Get up to $250
- No credit check is required and no interest
- Pay it back without hidden fees or “tips"
4. MoneyLion
MoneyLion is banking that gives you more, a lot more so you can get paid today. You can get spotted $500 at any time with no interest with Instacash. This gets you 0% APR cash advances up to $500 to help you cover essentials and surprises, just apply here and link your checking account (no monthly fee). Plus, you can get your paycheck up to two days early with RoarMoney – plus easy ways to borrow, save, invest, and earn. All in one app.
- The maximum advance is $500
- No interest. No monthly fee. No credit check
- Link your checking account to qualify for 0% APR cash advances
5. Klover
Klover can give you some extra cash before payday. Just have at least three consistent direct deposits within the past two months with no gaps in pay with the same employer; once you meet those requirements feel free to apply and request a boost of a $200 cash advance.
Apps like Klover offer small cash advances without any obligatory fees; however, the funding process may take longer compared to certain competitors, and the optional express fees associated with expedited service are relatively high.
- Klover is an app that provides an advance of up to $200 on your next paycheck
- No mandatory fees
- An optional express fee from $2.99 to $20.78 to receive funds faster
6. Empower
Empower is one of the top cash advance apps designed for today’s generation. No matter what lies ahead, they’ll help you thrive by letting you borrow money. By downloading the app you can get a cash advance of up to $300 when you need it most, and save for your future.
You can count on them to have your back and get a cash advance up to $300 directly to your account. No applications, no interest or late fees, no credit checks or credit risk. You just pay them back automatically when you receive your next direct deposit. There's no catch. It's that simple.
- Get a no-fee and interest-free cash advance of up to $300
- Use AutoSave to automatically set money aside every week
- Costs $8 per month after a 14-day free trial
Borrow Responsibly when Using Payday Loan Apps Like Cleo
If you're like most people, any new financial need or demand makes you irritated and tense. The best money borrowing app can help you meet your immediate demands without delay or having to seek a personal loan. Since you're likely unready for financial emergencies and each additional financial obligation can put you on edge.
There are several advantages of borrowing money via an app rather than going to a local bank or pawnshop to try and get quick cash. Even though there are many lending institutions in each city today, you may not be aware of all the nuances, interest rates and fees among them.
Every potential borrower must understand that he or she is fully responsible for any loan or cash advance obtained. This money should not be taken for granted, since it will only be used for a brief period of time.
Finally, such small amounts of loaned money can't accommodate long-term financial objectives. Consider alternative ways to finance your long-term goals and needs, or try to increase your income potential with side hustles.
With that said, good luck with borrowing money with these cash advance apps!
