BorrowPersonal Loans10 Best Cash Advance Apps

10 Best Cash Advance Apps

Need a payday loan or a cash advance? Find out which cash advance apps can get you money instantly so you can get paid today.

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Are you interested in learning about the best cash advance apps for instant money?

Today I’m going to show you some new strategies to borrow money instantly simply by clicking a few buttons on your cell phone (in under 5 minutes).

The best part? A lot of these cash advance apps work with Varo, Chime, Current and other digital banks and traditional bank accounts.

I get it.

Life happens.

Sometimes you need some extra cash to pay a bill or you’re trying to save up for something you want.

You don’t want to fall behind on bills and are wondering how to get an instant $50 loan or what money borrowing apps can pay you today?

Sure, another 100 dollars paid out early wouldn’t hurt. We’ve all been there, but what do you usually do when that happens? This is an exhaustive list of things that anyone can do, today, in order to get your paycheck early so you can earn money today.

If you’re strapped for time, I’ll go ahead and share the best cash advance apps for interest free cash advances.

10 Best Cash Advance Apps

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

Try these free mobile applications available in the App Store and Google Play Store — so you can borrow cash with ease:

Cash Advance AppCash Advance Max
Empower$250
Albert$250
Earnin$100
Chime SpotMe$200
Cleo$100
Brigit$250
MoneyLion$250
Branch$500
Dave$100
Klover$100

1. 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 $250 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 $250 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.

2. Albert


Albert can spot you up to $250 so you can make ends meet. No late fees, interest, credit check, or hidden hands in your pocket. As long as you have a paycheck and have repaid your past advances, you can request up to 3 cash advances per pay period. There’s no catch. Albert is legit and is also giving away a $150 cash bonus to new members and another $150 bonus for every person you refer to the financial advisor service.

3. Earnin

earnin get paid today app

With Earnin, you get paid today and can access up to $100 per day from the pay you’ve already earned, without hidden fees or interest. With Earnin there are no mandatory monthly fees or interest. You choose what you want to pay to support the service. This is a radical change from the way the American financial system typically functions by using apps like Earnin.

4. Chime SpotMe

chime

Traditional banks took $11 Billion in overdraft fees in 2019. At Chime, they do things differently. Instead of charging you an overdraft fee, they allow you to overdraft up to $200 with no fees. So if you need to pay for something but don’t have any money, you can still buy it with Chime SpotMe covering you.

5. 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. No credit check. No interest.

6. Cleo

With Cleo, you can get a salary advance which is its answer to extortionate overdraft fees and the scary-expensive world of payday loans; it’s part of Cleo Plus, the apps subscription service. 

If you qualify, Cleo can give you a no-interest advance of up to $100 to help you stay out of your overdraft. You pick your repayment date – anywhere between 3 and 28 days – and pay Cleo back when you reach it. It won’t affect your credit score, but Cleo Plus is $5.99 per month. The free option gives you access to Cleo’s budgeting tool and digital wallet, plus a weekly quiz with chances to earn cash rewards but you can’t get the salary advance.

7. MoneyLion

moneylion get paid today app

MoneyLion is banking that gives you more, a lot more so you can get paid today. You can get spotted $250 at any time with no interest with Instacash. This gets you 0% APR cash advances up to $250 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.

8. Branch

brand get paid today app

Apps like Branch offer a mobile digital wallet for working Americans. An on-demand hub that helps them meet their everyday financial needs, this get paid today app allows any employee to receive a payroll advance (up to $500 in earned wages per paycheck), manage their cash flow, and spend anywhere – all from their smartphone.

9. Dave

dave

Apps like Dave pride themselves on being banking for humans. Meet the banking app that puts your financial mind at ease. Get paid up to two days early, build your credit history and get up to $100 advances without paying a fee. 7 million members and counting consider Dave one of the top reliable cash advance apps.

10. Klover

clover

Apps like 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 $100 cash advance.

More Financial Assistance During Pandemic

How can I get paid today?

There are payday apps like Empower that can help you get your paycheck early so you get paid today. When you need cash to make it to payday, these apps can be a huge help. All these payday apps are listed in this article.

How can I get paid instantly?

There are websites where you can get paid instantly by completing online activities. You essentially get paid to do something on sites like Swagbucks or InboxDollars.

What apps will give you money?

There are a few apps that will you free money, which we’ve listed in this article.

Can you borrow money from mobile app?

Yes, you may borrow money for a short time using one of these cash advance applications. They’re available to download and use from your smartphone, so the cash can be distributed quickly and from anywhere.

How to borrow money from the app?

You should submit your application for a cash advance using the chosen app. To receive the cash you want, provide your personal and banking details.

If I don’t have a bank account can I get a loan deposited on my app?

A checking account must be linked to the app of your choice for every borrower. Otherwise, the borrow money app won’t be able to deposit money for you to meet your demands.

How to borrow money from paychecks if you use loans app?

You may pick the applications that allow you to borrow money from your future salary. This way, before the next payday, you will get the funds you have already earned and return them automatically once your wages are paid into your account.

External resources, so you don’t have to do the research:

1) Have you lost your job? You can file for unemployment. Apps like Brigit also have automatic advance extensions for any user who has filed for unemployment. No questions asked. 

2) Need some government help? Smarts is tracking everything to do with the government’s two trillion dollar stimulus package. Are you eligible? How much will you get and do you need to file? It’s all here.

3) Looking to earn money? We have two articles about this, one for people looking for full-time online jobs and another for people looking for part time income (the gig economy).

4) Worried about bills? Here is an article from our team on ways to save money on groceries. Credit card companies and some banks are also delaying payments, waiving fees, and removing interest charges. Read about it here. You can get out ahead of these problems.

5) Trying to stretch your budget? Check out our guide on living cheap. Maybe you already know it all, but maybe there are some tidbits in there to help.

Once You Have $1,000 in Your Checking Account, Do These 5 Things

Once you built some cushion in your bank account — you’re on the right path. Cash advance apps can only get you so far, it’s time to think about longer-term financial goals. What’s the next step you should take? Here are ways to take your finances to the next level:

Leave Your Family $1M

  • Smarts rating: ★★★★★
  • The bottom line: Anyone looking to find term life insurance should start by getting a free quote from Bestow. It’s an easy application and some may get an answer instantly.
bestow

Who doesn’t want to be a millionaire?

While we don’t all have trust funds waiting for us, there is still a way to provide protection for your loved ones with up to $1 million in term life insurance.

Wouldn’t it be great if you could do this for as little as $8 a month without dealing with all the hassle of wasting your time or money?

You don’t have to have money in your pockets to get a free quote from Bestow.

If you’re interested, I recommend you sign up for more information from Bestow by clicking here.

Best affordable solution
Bestow: No Hassle Life Insurance

Rating: ★★★★★

Getting and managing life insurance can be simple. Stellar prices, no policy fees, and no hassles. Change your coverage as your needs change and save money.

Get Life Insurance

Get Paid to Save (We’re Serious)

  • Smarts rating: ★★★★★
  • The bottom line: Axos High Yield Savings Account offers 0.61% APY with no minimum balance requirements or monthly maintenance fees. It takes minutes to open a free account and start saving.
axos bank

Having money in the bank for emergencies can help you improve your financial standing. You’ll want three to six months’ worth of expenses in your emergency fund. Be sure to stash your money in the right savings account that’ll grow your money.

This is another way to invest your 1,000 dollars. It’s much more profitable than the normal savings account. Your money can sit in there and accrue some interest until you are ready to invest in bigger and more profitable ventures.

Most experts recommend Axos Bank’s High Yield Savings, where you can earn a very impressive 0.61% annual percentage yield which is an APY that’s 6X the national average. Comes with zero monthly maintenance fees and zero minimum balance requirements.

Evaluate Your Checking Account

  • Smarts rating: ★★★★★
  • The bottom line: Aspiration is one of the better online-only banks, but comes with a big social impact. Plus, they’ll give you $150 for opening a Spend & Save account.
aspiration

Need a better checking account that’ll spot you a $150 for free?

Simply sign up for Aspiration, and the free banking app will give you cash for free, you just relax while it gives you $150 just for opening a new debit card.

There’s no catch, just use your card to make at least $1,000 in cumulative transactions within 60 days of opening an account.

This bank account is legit and only takes two minutes to sign up for an account.

$150 Limited Welcome Bonus
Want free money?

Simply sign up for Aspiration, and the free banking app will give you cash for free, you just relax while it gives you $150 just for opening a new debit card. There’s no catch. This bank account is legit and only takes two minutes to sign up for an account.

CLAIM $150 BONUS

Get Free Stocks Instantly

  • Smarts rating: ★★★★★
  • The bottom line: Robinhood is one of the better free investing apps, but comes with a 100% chance of getting a free stock when you sign up and link your bank account. A surprise stock appears in your account when you join through this link.
robinhood

While you’re at it, why not increase your net worth with a free stock?

Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock.

Better yet, if you join through this link you can get a free stock like Apple, Ford, or Sprint when you join (must complete signup).

The value of the free share may be anywhere between $2.50 and $200 and fluctuates based on market movements. You’ve got nothing to lose.

Start Building Passive Income

  • Smarts rating: ★★★★★
  • The bottom line: Unlike other real estate investments, Fundrise gives you a low-cost way to enter this market and open the potential to earn greater returns.
fundrise

Want quick money? Fundrise gives you a $10 bonus upon account approval. Testing this offer, I received $10 worth of shares instantly through this link after opening account and investing as little as $10.

With Fundrise, it is the first real estate investing app to create a simple, low-cost way for anyone to invest in real estate for solid returns.

There is a reason why they currently have 5/5 stars on TrustPilot, you can really make money with Fundrise.

If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.

Borrow Responsibly when Using Cash Advance Apps

If you’re like most people, any new financial need or demand makes you irritated and tense. The best cash advance apps can help you meet your immediate demands without delay or having to seek secured personal loans. Since you’re likely unready for financial emergencies and each additional financial obligation can put you on edge.

There are several advantages of getting a cash advance 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!

Our Pick
Chime Banking
5.0
  • Experience fee-free overdraft up to $200 when you set up direct deposit with SpotMe.
  • Let Chime spot you when you need that little extra cushion to cover an expense.
  • Join the millions and make the switch today!
SIGN UP FREE
Brian Meiggs
Brian Meiggs
Founder of Smarts, Brian is an entrepreneur and investor who enjoys working out, reading, spending time with his family and friends, playing chess, traveling and creating great content. He’s passionate about helping others make smarter money moves and achieve financial freedom. He uses the free Personal Capital app to manage his cash flow and net worth.
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