6 Cash Advance Apps Like Cleo That Loan Money

Need a cash advance? Try these apps like Cleo to get the funds you need to make it till next payday.

Need cash advance apps like Cleo?

Hereโ€™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 instantlyโ€”no hassle, no waiting.

Iโ€™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 applicationsโ€”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:

Our Pick ๐Ÿ†
  • Amount: $50 - $750 > Monthly Payment: FREE > Fast Transfer Fee: N/A

  • Amount: $25 - $250 | Monthly Payment: FREE | Fast Transfer Fee: $4.99

  • Amount: $50 - $750 | Monthly Payment: FREE | Fast Transfer Fee: $3.99

  • Amount: $25 - $500 | Monthly Payment: FREE | Fast Transfer Fee: $0.49 - $8.99

  • Amount: $20 - $250 | Monthly Payment: $6 - $15 | Fast Transfer Fee: $3.99 - $9.99

Our Pick ๐Ÿ†

Amount: $50 - $750 > Monthly Payment: FREE > Fast Transfer Fee: N/A

Amount: $25 - $250 | Monthly Payment: FREE | Fast Transfer Fee: $4.99

Amount: $50 - $750 | Monthly Payment: FREE | Fast Transfer Fee: $3.99

Amount: $25 - $500 | Monthly Payment: FREE | Fast Transfer Fee: $0.49 - $8.99

Amount: $20 - $250 | Monthly Payment: $6 - $15 | Fast Transfer Fee: $3.99 - $9.99

But first, what is Cleo?

What is Cleo?

Cleo offers cash advances of up to $250 with no interest, but thereโ€™s a catchโ€”itโ€™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 wonโ€™t impact your credit score.

If youโ€™re just using the free version of Cleo, youโ€™ll get budgeting tools, a digital wallet, and a chance to win cash rewards through weekly quizzesโ€”but no cash advances.

Need more than $250? There are other cash advance apps like Cleo that offer up to $500 per advance, so youโ€™ll want to check out a few options before deciding.

Best Cash Advance Apps Like Cleo

These apps help you get your paycheck early and can help you get paid today.

Cash Advance AppCash Advance Max
Current$750
Albert$250
Brigit$250
MoneyLion$500
Klover$200

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. Youโ€™ll need to repay within 35 days, or you could lose access to future advances. Unlike other cash advance apps, thereโ€™s no mandatory subscription fee, making it a solid option if you need cash fast.

2. Albert

Albert is a finance app that offers banking, budgeting, saving, and investing all in one place. Its โ€œInstantโ€ cash advance feature allows eligible users to access up to $250 without credit checks, interest, or late fees. These funds can be transferred instantly to you for a small fee or within 2โ€“3 days for free.

4. Brigit

Brigit is another instant loan app that can help anyone get paid today. By downloading the free app on iOS or Android โ€” 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.

5. 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 โ€“ plus easy ways to borrow, save, invest, and earn. All in one app.

6. 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.

Get up to $200
Klover
4.5
  • 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
GET UP TO $200

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!

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Brian Meiggs
Brian Meiggs
Brian Meiggs is a personal finance expert, and the founder of Smarts, a personal finance site helping you easily explore your best money options. He helps readers follow the smart money in order to increase their earning potential and start building wealth for the future. He regularly writes about side hustles, investing, and general personal finance topics aimed to help anyone earn more, pay off debt, and reach financial freedom. He has been quoted as a top personal finance blogger in major publications including Business Insider, Yahoo! Finance, NASDAQ, Discover, and more.
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