Check Out These 11 Cash Advance Apps To Get You Through Till Your Next Payday!

If you find yourself struggling with financial gaps before your payday, cash advance apps can be a lifesaver. These apps provide temporary financial relief by offering early access to your paycheck or quick cash advances. However, it’s crucial to choose the right app that suits your needs and doesn’t burden you with excessive fees. Here’s a list of the 11 best cash advance apps in 2024 to help you bridge the gap until your next payday.

1. Dave

Cash Advance: Up to $500

Speed: Instant and standard

Fees: $1/Month

Rating: 4.2 / 5

Notable Features:

Automatic Calculations for repayment date

Pay Back Early option

Side Hustle feature for accessing money-making gigs

Pros: ATM access, smart budgeting, spending account, no-interest overdraft, instant or free transfers.

Cons: Mandatory monthly subscription. Due date aligns with the next payday.

2. Varo

Cash Advance: Up to $250

Speed: Instant

Fees: Up to $15, depending on the amount borrowed

Rating: 4.3 / 5

Notable Features:

Varo’s secured credit card for building credit

Reports to the Credit Bureaus

Additional Features like free ATMs, remote check deposit

Pros: Earn cash back, faster paycheck access, interest-free advances, and automatic savings tools.

Cons: There is a low initial limit, and it requires $800 in direct deposits.

3. Empower

Cash Advance: Up to $250

Speed: Instant (for a fee)

Fees: $8/month

Rating: 4.3 / 5

Notable Features:

Empower Perks for cash back

Early paycheck deposit for faster access

Free ATMs with over 40,000 MoneyPass ATMs

Pros: No credit checks, instant transfers, automated savings, interest-free advance up to $250.

Cons: Small cash advances to start, cash advance limits change often.

4. Chime

Cash Advance: Up to $200

Speed: Instant (overdraft protection)

Fees: Tips are optional

Rating: 4.2 / 5

Notable Features:

Convenient payments with Chime Pay feature

No annual fee or interest on credit cards.

Customizable banking alerts

Pros: No hidden fees, no overdraft fees, automatic savings, faster access to pay.

Cons: Direct deposit is required, and it doesn’t work on automated payments or checkbook transactions.

Chime is actually a FinTech company, not a bank. Services regarding banking are provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

5. Albert

Cash Advance: Up to $250

Speed: Same day

Fees: Pay what you want

Rating: 4.6 / 5

Notable Features:

Up to 20% instant cash back on eligible purchases

Automated savings on a custom schedule

No minimum balance fees or commissions

Pros: No credit checks, transparent fees, no fees, no interest for cash advances, pay what you think is fair.

Cons: Small fee for instant transfers, requires Genius Subscription.

6. Brigit

Cash Advance: Up to $250

Speed: Instant or standard

Fees: $9.99 – $14.99 monthly subscription

Rating: 4.1 / 5

Notable Features:

Useful financial tools

Automated advances (overdraft protection)

Credit protection tools

Pros: Flexible payday advances, useful financial tools, credit protection tools.

Cons: Large number of requirements, requires a paid monthly subscription.

7. Earnin

Cash Advance: Up to $100/day

Speed: 1-3 business days or instant

Fees: Optional tips

Rating: 5 / 5

Notable Features:

Balance Shield for overdraft protection

Earning Express for early access to pay

Financial Calendar to track expenses and schedule cash advances

Pros: Tip Yourself Feature, daily cash-outs.

Cons: Direct deposit required, maximum transfer of $100 per day.

8. MoneyLion

Cash Advance: Up to $500

Speed: Up to five business days or instant (for a fee)

Fees: None unless you want an instant transfer

Rating: 4.2 / 5

Notable Features:

Low-fee investing options

Earn cash-back rewards

Low-fee checking account

Early cash advances & paycheck access

Pros: Low fee investing options, earn cash back rewards, low fee checking account.

Cons: Standard delivery takes up to 5 days, and the due date is usually 2 weeks or less.

9. Payactiv

Cash Advance: Up to 50% of your earned pay

Speed: 1-3 business days for free or instant for a fee

Fee: $3 per instant transfer

Rating: 3.9 / 5

Notable Features:

Perks for Employees including financial coaching

Perks for Employers with easy payroll management

Payactiv Visa card for instant deposits and spending

Pros: Earned wage access, savings tools, one-on-one financial coaching.

Cons: Employer must offer it, can only access 50% of your earnings.

10. Revolut

Cash Advance: Up to your employer

Speed: Instantly to a few days

Fees: Up to employer

Rating: 5 / 5

Notable Features:

Early paycheck access

Free person-to-person transfers

International wires

Multi-currency accounts

Pros: Early paycheck access, free person-to-person transfers, international wires.

Cons: High monthly fee for premium features, on-demand pay only available through an employer.

Please acknowledge that Revolut frequently updates its services and products. Visit the Revolut Terms and Conditions for the latest offerings. Revolut is a financial technology company. Banking services provided by Metropolitan Commercial Bank, Member FDIC.

11. Klover

Cash Advance: Up to $200

Speed: Instantly to 3 business days

Fee: Varies depending on speed

Rating: 4.5 / 5

Notable Features:

Multiple advance options

Auto-advances for overdraft protection

Klover Card for spending and earning cash back

Pros: Multiple advance options, automatic overdraft protection, Klover Card for spending.

Cons: Monthly subscription fee, lower cash advance limit.


Before choosing a cash advance app, carefully consider your financial needs and the features offered by each app. Some apps may be more suitable for certain situations, such as those offering higher advance limits or faster processing times. Be sure to review the terms and conditions, charges, as well as reviews before making a decision. Additionally, it’s crucial to use these apps responsibly and only when necessary to avoid falling into a cycle of debt.

Tags: No tags

Add a Comment

Your email address will not be published. Required fields are marked *