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10 best cash advance apps for November 2024 | Fortune Recommends
<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width"/><title>10 best cash advance apps for November 2024 | Fortune Recommends</title><meta name="msapplication-TileColor" content="#ffc40d"/><meta name="theme-color" content="#FFFFFF"/><meta name="description" content="Understand the inner workings of cash advance apps, and see which one may fit your needs."/><meta name="keywords" content=""/><meta property="og:url" content="https://fortune.com/recommends/banking/cash-advance-apps/"/><meta property="og:type" content="article"/><meta property="og:title" content="Need cash fast? A cash advance app could help. Here are our top 10"/><meta property="og:description" content="A cash advance app can help you out of a tight spot, whether you have an unexpected expense or bills you're unprepared to pay for. Here's what you need to know."/><meta property="og:site_name" content="Fortune Recommends"/><meta property="og:image" content="https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg?resize=1200,600"/><meta property="og:width" content="1024"/><meta property="og:height" content="683"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="Need cash fast? A cash advance app could help. Here are our top 10"/><meta name="twitter:description" content="A cash advance app can help you out of a tight spot, whether you have an unexpected expense or bills you're unprepared to pay for. 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Initial advances can be up to $250 and with time, customers can increase that to $500. The app requires $800 in monthly direct deposits to a linked checking account to qualify."},"name":"What is the best pay advance app?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Current is a simple app to use if you want a cash advance. It only requires a minimum payroll deposit of $500, whereas many competitors require much more. Additionally, you’re not required to have a Current bank account to get the money. Dave is also an easy-to-use app that takes minutes to set up and doesn’t charge interest or late fees."},"name":"What is the easiest cash advance app to use?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"EarnIn, Dave, and Empower all have options to receive instant access to a cash advance. However, there typically is a small fee associated with this, often 1% to 5% of the transaction. Usually, you can save that fee if you’re willing to wait up to an hour for a normal deposit."},"name":"What app will let you borrow money instantly?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"From our list, Payactiv offers up to $1,500. However, you’ll need your employer to participate in the app in order to qualify for an advance. It works to receive money you’ve “already earned” right after you’ve worked, instead of waiting for your paycheck."},"name":"What app gives the largest cash advance?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"EarnIn, Dave, and Empower all have options to receive instant access to a $100 cash advance. The amount you’re able to advance depends on many factors, such as spending habits, employment history, and income stability."},"name":"How do I borrow $100 instantly?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Empower offers flexible repayment, so you can pay back your cash advance when the funds are available to you. Plus, there are no late fees or interest."},"name":"What app gives you money instantly without a job?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"All the apps on our list offer $200 or more, but note that this amount may not be available right away or it may take more than one loan to reach the desired amount. Most cash advance apps offer less than $200 for first-time borrowers."},"name":"What app can I borrow $200 from?"}]}</script><script id="json-schema" type="application/ld+json">[{"@type":"Article","@context":["https://schema.org"],"publisher":{"@type":"Organization","address":{"@type":"PostalAddress","addressCountry":{"@type":"Country","name":"US"},"addressLocality":"New York","addressRegion":"NY","postalCode":"10038","streetAddress":"40 Fulton Street"},"brand":{"@type":"Brand","name":"Fortune"},"founder":{"@type":"Person","name":"Henry Robinson Luce"},"foundingDate":"1929-02","legalName":"Fortune Media (USA) 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class="sc-3358ecfd-0 sc-bc78b52c-2 cLhSQr ilZHXK">10 best cash advance apps for November 2024</h1><div class="sc-bc78b52c-3 hKydgS"><div data-cy="header-authors" class="sc-4aadc14e-0 izTsmZ"><span class="sc-4aadc14e-7 fLvwvm"><a href="https://fortune.com/author/katherine-haan/" target="_self" class="sc-93594058-0 fowfrQ " rel="author" aria-label="Go to Katherine Haan author's page"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:40px;height:40px;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><img alt="Katherine Haan" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover;background-size:cover;background-position:0% 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class="sc-4aadc14e-6 dImtxq">Katherine Haan</div></div><div class="sc-4aadc14e-4 oxMCx">Personal Finance Expert</div></div></a><div class="sc-3be47025-11 fcFEKV sc-4aadc14e-1 COKyR"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/katherine-haan/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=1024&q=75 1024w, 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fQLsjx"><p><span style="font-weight:400">Katherine Haan</span><span style="font-weight:400"> is a former</span><span style="font-weight:400"> financial advisor turned small business coach. Katherine holds an MBA, and is a former staff writer for Fit Small Business. She is a regular contributor to Forbes and maintains a popular lifestyle and travel blog.</span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/kathyhaan/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 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author's page"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:40px;height:40px;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><img alt="Abigail Rueger" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url("data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==")"/><noscript><img alt="Abigail Rueger" loading="lazy" decoding="async" data-nimg="fixed" 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5.48458C12.0494 5.48789 12.0461 5.48955 12.0444 5.49287L7.04436 11.1531C6.87291 11.3456 6.57946 11.3639 6.38658 11.1913C6.37339 11.1797 6.3602 11.1664 6.34866 11.1531L3.84944 8.3205C3.67964 8.12469 3.69778 7.82766 3.89231 7.65674C4.08684 7.48582 4.38193 7.50407 4.55173 7.69988L6.72289 10.1376L11.3751 4.854C11.5416 4.66151 11.8318 4.63994 12.023 4.80754C12.0263 4.81086 12.028 4.81252 12.0313 4.81583L12.0049 4.83243Z" fill="white"></path></svg><span data-cy="reviewed-by-text" class="sc-8357b4fc-2 bjJBmk">REVIEWED BY</span><span data-cy="reviewer-name" class="sc-8357b4fc-7 kXSAJi">Abigail Rueger</span></span><span class="sc-8357b4fc-5 eFRRvB">Deputy Editor, Banking</span></span></a><div class="sc-3be47025-11 fcFEKV sc-8357b4fc-0 ipkJtx"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Abigail Rueger</span></a><span class="sc-3be47025-2 eSlZzo">Deputy Editor, Banking</span></div><button class="sc-3be47025-3 jstytk"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M18 6L6 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M6 6L18 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Abigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/abigail-rueger-9a8941129/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li></ul><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></div></span></div></div><div data-cy="header-date" class="sc-bc78b52c-4 dRiNOZ"></div></div></div><nav id="toc-wrapper" data-cy="TOC" class="sc-b1ff6b49-0 irBBoA toc"><div class="sc-b1ff6b49-2 GlBFr toc-mobile"><div class="sc-b1ff6b49-4 dsAQFp dropdown">On this page</div><div class="sc-b1ff6b49-5 heJLex"><span>Jump to your section</span></div><div class="sc-b1ff6b49-3 bbqQeU content-wrapper"><ul><li><a href="#apps" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #apps">Our top 10 cash advance apps</a><ul><li><a href="#earnin" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #earnin">EarnIn</a></li><li><a href="#current" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #current">Current</a></li><li><a href="#varo" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #varo">Varo</a></li><li><a href="#chime" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #chime">Chime</a></li><li><a href="#solo-funds" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #solo-funds">SoLo Funds</a></li><li><a href="#vola" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #vola">Vola</a></li><li><a href="#payactiv" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #payactiv">Payactiv</a></li><li><a href="#dailypay" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #dailypay">DailyPay</a></li><li><a href="#albert" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #albert">Albert</a></li><li><a href="#brigit" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #brigit">Brigit</a></li></ul></li><li><a href="#definition" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #definition">What is a cash advance app?</a><ul><li><a href="#advance-vs-loan" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #advance-vs-loan">Cash advance vs. payday loan</a></li></ul></li><li><a href="#pros-and-cons" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #pros-and-cons">Pros & cons</a></li><li><a href="#safety" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #safety">Are cash advance apps safe?</a></li><li><a href="#right-for-me" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #right-for-me">Is a cash advance right for me?</a></li><li><a href="#alternatives" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #alternatives">Alternative options</a></li><li><a href="#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #methodology">Our methodology</a></li><li><a href="#faqs" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #faqs">FAQs</a></li></ul></div></div><div class="sc-b1ff6b49-1 iEaleX toc-desktop"><div class="sc-b1ff6b49-4 dsAQFp">On this page</div><div class="sc-b1ff6b49-3 diyRdl content-wrapper"><ul><li><a href="#apps" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #apps">Our top 10 cash advance apps</a><ul><li><a href="#earnin" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #earnin">EarnIn</a></li><li><a href="#current" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #current">Current</a></li><li><a href="#varo" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #varo">Varo</a></li><li><a href="#chime" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #chime">Chime</a></li><li><a href="#solo-funds" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #solo-funds">SoLo Funds</a></li><li><a href="#vola" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #vola">Vola</a></li><li><a href="#payactiv" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #payactiv">Payactiv</a></li><li><a href="#dailypay" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #dailypay">DailyPay</a></li><li><a href="#albert" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #albert">Albert</a></li><li><a href="#brigit" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #brigit">Brigit</a></li></ul></li><li><a href="#definition" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #definition">What is a cash advance app?</a><ul><li><a href="#advance-vs-loan" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #advance-vs-loan">Cash advance vs. payday loan</a></li></ul></li><li><a href="#pros-and-cons" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #pros-and-cons">Pros & cons</a></li><li><a href="#safety" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #safety">Are cash advance apps safe?</a></li><li><a href="#right-for-me" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #right-for-me">Is a cash advance right for me?</a></li><li><a href="#alternatives" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #alternatives">Alternative options</a></li><li><a href="#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #methodology">Our methodology</a></li><li><a href="#faqs" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #faqs">FAQs</a></li></ul></div></div></nav><div class="sc-82385409-1 lbNltL article-content" data-cy="content"><div><div data-cy="articleContent" class="rawHtml-content-no-nativo"><p>A cash advance app can help you out if you’re in a pinch, such as for an unexpected car repair to pay for, or if you’ve got a time-sensitive opportunity that can’t wait until payday. Since there are so many to choose from, we looked at the loan amount, time to pay out, fast-funding fees, any other subscription fees, and the app rating to determine the best cash advance apps available today.</p><div class="paywall-selector"></div><div class="paywall"> <details class="wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Why trust Fortune Recommends</h3></summary><p>Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our <a href="https://fortune.com/fortune-recommends-editorial-guidelines/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-editorial-guidelines/">editorial guidelines</a> and the <a href="https://fortune.com/fortune-recommends-banking-methodology/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-banking-methodology/">banking methodology</a> for the ratings below.</p> <h4 class="wp-block-heading"></h4> <ul><li>Over 15 apps compared</li> <li>More than 180 data points tracked</li> <li>4 layers of fact-checking</li> <li>Written by a financial advisor with decades of experience</li></ul></details> <h2 class="wp-block-heading" id="apps">Best cash advance apps for November 2024</h2> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr><th scope="col">Company</th><th scope="col">Maximum advance limit</th><th scope="col">Time to fund<br/>(without fees)</th><th scope="col">See details</th></tr></thead><tbody><tr><th scope="row"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-green-cyan-color">Featured partner</mark><br/><strong>Best for immediate paycheck access:</strong><br/><a href="#earnin" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #earnin">EarnIn</a></th><td class="">$750</td><td class="">Minutes</td><td class="last-cell"><a href="https://offers.moneylion.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://offers.moneylion.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917" data-type="link" data-id="https://offers.evenfinancial.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at EarnIn</td></tr><tr><th scope="row"><strong>Best for a paycheck advance:</strong><br/><a href="#current" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #current">Current</a></th><td class="">$500</td><td class="">Instant</td><td class="last-cell"><a href="https://secure.money.com/pr/tdedee674939?s1=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/tdedee674939?s1=3457917" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Current</td></tr><tr><th scope="row"><strong>Best for flexible repayment:</strong><br/><a href="#varo" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #varo">Varo</a></th><td class="">$500</td><td class="">Immediate</td><td class="last-cell"><a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=varo-cash&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=varo-cash&tag.subid=3457917" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row"><strong>Best for low-fee instant cash:</strong><br/><a href="#chime" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #chime">Chime</a></th><td class="">$500</td><td class="">24 hours</td><td class="last-cell"><a href="https://offers.moneylion.com/channelTrackingOfferRedirect/b9770b4b-b792-465c-93b0-f03bea18967c/b24e3855-20b4-485b-8d90-2972af2a1454?tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://offers.moneylion.com/channelTrackingOfferRedirect/b9770b4b-b792-465c-93b0-f03bea18967c/b24e3855-20b4-485b-8d90-2972af2a1454?tag.subid=3457917" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Chime</td></tr><tr><th scope="row"><strong>Best for peer-to-peer loans:</strong><br/><a href="#solo-funds" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #solo-funds">SoLo Funds</a></th><td class="">$575</td><td class=""> Minutes</td><td class="last-cell"><a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=solo_funds&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=solo_funds&tag.subid=3457917" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row"><strong>Best for rewarding financial literacy:</strong><br/><a href="#vola" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #vola">Vola</a></th><td class="">$500</td><td class="">5 business hours</td><td class="last-cell"><a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=vola&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=vola&tag.subid=3457917" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a> <br/>at MoneyLion</td></tr><tr><th scope="row"><strong>Best for multiple transfer options:</strong><br/><a href="#payactiv" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #payactiv">Payactiv</a></th><td class="">$1,500</td><td class="">Immediate</td><td class="last-cell"><a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=payactiv&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=payactiv&tag.subid=3457917" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a> <br/>at MoneyLion</td></tr><tr><th scope="row"><strong>Best for earned wage access:</strong><br/><a href="#dailypay" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #dailypay">DailyPay</a></th><td class="">Varies</td><td class="">Instant</td><td class="last-cell"><a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=dailypay&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=dailypay&tag.subid=3457917" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a> <br/>at MoneyLion</td></tr><tr><th scope="row"><strong>Best for overdraft protection:</strong><br/><a href="#albert" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #albert">Albert</a></th><td class="">$250</td><td class="">Instant</td><td class="last-cell"><a href="https://r.financebuzz.com/aff_c?offer_id=17119&aff_id=1940&source=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://r.financebuzz.com/aff_c?offer_id=17119&aff_id=1940&source=3457917" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a> <br/>at Albert</td></tr><tr><th scope="row"><strong>Best for automatic advances:</strong><br/><a href="#brigit" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #brigit">Brigit</a></th><td class="">$250</td><td class="">2-3 business days</td><td class="last-cell"><a href="https://r.financebuzz.com/aff_c?offer_id=16437&aff_id=1940&source=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://r.financebuzz.com/aff_c?offer_id=16437&aff_id=1940&source=3457917" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Brigit</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJr"><tbody><tr><th><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-green-cyan-color">Featured partner</mark><br/><strong>Best for immediate paycheck access:</strong><br/><a href="#earnin" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #earnin">EarnIn</a></th><th class="last-cell"><a href="https://offers.moneylion.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://offers.moneylion.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917" data-type="link" data-id="https://offers.evenfinancial.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at EarnIn</th></tr><tr><th class="header" scope="row">Maximum advance limit</th><td>$750</td></tr><tr><th class="header" scope="row">Time to fund<br/>(without fees)</th><td>Minutes</td></tr><tr><th><strong>Best for a paycheck advance:</strong><br/><a href="#current" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #current">Current</a></th><th class="last-cell"><a href="https://secure.money.com/pr/tdedee674939?s1=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/tdedee674939?s1=3457917" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Current</th></tr><tr><th class="header" scope="row">Maximum advance limit</th><td>$500</td></tr><tr><th class="header" scope="row">Time to fund<br/>(without fees)</th><td>Instant</td></tr><tr><th><strong>Best for flexible repayment:</strong><br/><a href="#varo" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #varo">Varo</a></th><th class="last-cell"><a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=varo-cash&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=varo-cash&tag.subid=3457917" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row">Maximum advance limit</th><td>$500</td></tr><tr><th class="header" scope="row">Time to fund<br/>(without fees)</th><td>Immediate</td></tr><tr><th><strong>Best for low-fee instant cash:</strong><br/><a href="#chime" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #chime">Chime</a></th><th class="last-cell"><a href="https://offers.moneylion.com/channelTrackingOfferRedirect/b9770b4b-b792-465c-93b0-f03bea18967c/b24e3855-20b4-485b-8d90-2972af2a1454?tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://offers.moneylion.com/channelTrackingOfferRedirect/b9770b4b-b792-465c-93b0-f03bea18967c/b24e3855-20b4-485b-8d90-2972af2a1454?tag.subid=3457917" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Chime</th></tr><tr><th class="header" scope="row">Maximum advance limit</th><td>$500</td></tr><tr><th class="header" scope="row">Time to fund<br/>(without fees)</th><td>24 hours</td></tr><tr><th><strong>Best for peer-to-peer loans:</strong><br/><a href="#solo-funds" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #solo-funds">SoLo Funds</a></th><th class="last-cell"><a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=solo_funds&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=solo_funds&tag.subid=3457917" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row">Maximum advance limit</th><td>$575</td></tr><tr><th class="header" scope="row">Time to fund<br/>(without fees)</th><td> Minutes</td></tr><tr><th><strong>Best for rewarding financial literacy:</strong><br/><a href="#vola" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #vola">Vola</a></th><th class="last-cell"><a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=vola&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=vola&tag.subid=3457917" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a> <br/>at MoneyLion</th></tr><tr><th class="header" scope="row">Maximum advance limit</th><td>$500</td></tr><tr><th class="header" scope="row">Time to fund<br/>(without fees)</th><td>5 business hours</td></tr><tr><th><strong>Best for multiple transfer options:</strong><br/><a href="#payactiv" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #payactiv">Payactiv</a></th><th class="last-cell"><a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=payactiv&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=payactiv&tag.subid=3457917" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a> <br/>at MoneyLion</th></tr><tr><th class="header" scope="row">Maximum advance limit</th><td>$1,500</td></tr><tr><th class="header" scope="row">Time to fund<br/>(without fees)</th><td>Immediate</td></tr><tr><th><strong>Best for earned wage access:</strong><br/><a href="#dailypay" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #dailypay">DailyPay</a></th><th class="last-cell"><a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=dailypay&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=dailypay&tag.subid=3457917" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a> <br/>at MoneyLion</th></tr><tr><th class="header" scope="row">Maximum advance limit</th><td>Varies</td></tr><tr><th class="header" scope="row">Time to fund<br/>(without fees)</th><td>Instant</td></tr><tr><th><strong>Best for overdraft protection:</strong><br/><a href="#albert" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #albert">Albert</a></th><th class="last-cell"><a href="https://r.financebuzz.com/aff_c?offer_id=17119&aff_id=1940&source=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://r.financebuzz.com/aff_c?offer_id=17119&aff_id=1940&source=3457917" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a> <br/>at Albert</th></tr><tr><th class="header" scope="row">Maximum advance limit</th><td>$250</td></tr><tr><th class="header" scope="row">Time to fund<br/>(without fees)</th><td>Instant</td></tr><tr><th><strong>Best for automatic advances:</strong><br/><a href="#brigit" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #brigit">Brigit</a></th><th class="last-cell"><a href="https://r.financebuzz.com/aff_c?offer_id=16437&aff_id=1940&source=3457917" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://r.financebuzz.com/aff_c?offer_id=16437&aff_id=1940&source=3457917" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Brigit</th></tr><tr><th class="header" scope="row">Maximum advance limit</th><td>$250</td></tr><tr><th class="header" scope="row">Time to fund<br/>(without fees)</th><td>2-3 business days</td></tr></tbody></table></div> <h2 class="wp-block-heading">EarnIn: Best for immediate paycheck access</h2> <p>EarnIn is a cash advance app available on both Apple and Android devices. It offers cash advances of up to $750 per pay period and operates on a tip-based platform. Users have the option to add tips on each transaction to support EarnIn’s services.</p> <div class="product-card-inline-wrapper"> <div class="card-banner">FEATURED PARTNER</div> <div class="card-area-1"> <h3 id="earnin" class="card-title">EarnIn</h3> <section class="card-description"> <table> <tbody> <tr> <td>Maximum advance limit:</td> <td>$750</td> </tr> <tr> <td>Time to fund:</td> <td>Minutes</td> </tr> <tr> <td>Subscription fees:</td> <td>None</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_EarnIn-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_EarnIn-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_EarnIn-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_EarnIn-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_EarnIn-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_EarnIn-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_EarnIn-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_EarnIn-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_EarnIn-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://offers.moneylion.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917" rel="nofollow noopener" aria-disabled="true">View offer</a> <p class="cta-caption">at EarnIn</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control1-2012d669-1368-4b46-9244-6911f292d5af" role="tab" name="accordion-pannel-2012d669-1368-4b46-9244-6911f292d5af" type="radio" aria-controls="content1-2012d669-1368-4b46-9244-6911f292d5af"/> <label id="label1-2012d669-1368-4b46-9244-6911f292d5af" tabindex="0" role="button" for="control1-2012d669-1368-4b46-9244-6911f292d5af"> Fees & APR</label> <div id="content1-2012d669-1368-4b46-9244-6911f292d5af" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-2012d669-1368-4b46-9244-6911f292d5af"> EarnIn’s basic services have no fees, although the service’s automatic debits could result in overdraft fees if your pay dates aren’t correct in the system. EarnIn offers several added features, including Lightning Speed transfers, which enable payouts in minutes. The fee for Lightning Speed transfers ranges from $3.99 to $4.99 per transaction, although the first is free. </div> <!-- --> <input id="control2-2012d669-1368-4b46-9244-6911f292d5af" role="tab" name="accordion-pannel-2012d669-1368-4b46-9244-6911f292d5af" type="radio" aria-controls="content2-2012d669-1368-4b46-9244-6911f292d5af"/> <label id="label2-2012d669-1368-4b46-9244-6911f292d5af" tabindex="0" role="button" for="control2-2012d669-1368-4b46-9244-6911f292d5af"> Repayment terms</label> <div id="content2-2012d669-1368-4b46-9244-6911f292d5af" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-2012d669-1368-4b46-9244-6911f292d5af"> EarnIn debits your account automatically for the cash advance once you’ve been paid by your employer. You can also pay EarnIn back manually via manual debit or money order. It’s important to understand that EarnIn withdraws funds on your direct deposit date, which does not always coincide with your payday. Many institutions deposit your funds early, but depending on when your employer uploads payroll data, you could be paid later than you normally would. This inconsistency could cause EarnIn funds to withdraw before your paycheck hits your account. </div> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://offers.moneylion.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917" rel="nofollow noopener" aria-disabled="true">View offer</a> <p class="cta-caption">at EarnIn</p> </section></div> </div> <h4 class="wp-block-heading">Why we like EarnIn as best for immediate paycheck access</h4> <p>EarnIn has a feature where you can tip yourself between $1–$50 total per day, accumulating up to $2,000 across five tip jars. While it isn’t interest-bearing, this can be used as a way to save money for specific expenses, such as a vacation or a rainy day.</p><div data-cy="nativoTout"></div> <p>EarnIn offers several added features, including Lightning Speed transfers, which enable payouts in minutes. There is also free credit score monitoring and a warning system called “Balance Shield” that alerts you when your funds are low.</p> <p>When you take a cash advance from EarnIn, you can request up to $100 per day, or $750 per pay period. However, a member’s first advance is $85 on average. Over time, the advance you’re able to take can increase if you maintain a positive balance in your bank account and manage your spending. You won’t pay any interest, have any credit checks, or pay any fees to use it, either.</p> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/earnin-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/earnin-review/">EarnIn review</a></p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li>No mandatory fees for standard transfers</li><li>24/7 customer support with a goal to respond in less than a minute to inquiries</li><li>You can reschedule your repayment to your next pay period once every 60 days</li></ul></div><div><h3>Cons</h3><ul><li>The average amount users get at sign-up is only $85, as you increase this with a good EarnIn history</li><li>Might not work for those in untraditional work environments</li><li>Maximum allowed per day is $100</li></ul></div></div> <h2 class="wp-block-heading">Current: Best for a paycheck advance</h2> <p>With 4 million members, Current’s team of 200 employees helps customers save money, get their paychecks early, invest their income, and build credit with everyday purchases. It’s headquartered in New York City.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="current" class="card-title">Current</h3> <section class="card-description"> <table> <tbody> <tr> <td>Maximum advance limit:</td> <td>$500</td> </tr> <tr> <td>Time to fund:</td> <td>Instant</td> </tr> <tr> <td>Subscription fees:</td> <td>None</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-Current-Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-Current-Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-Current-Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-Current-Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-Current-Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-Current-Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-Current-Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-Current-Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-Current-Logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://secure.money.com/pr/tdedee674939?s1=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://secure.money.com/pr/tdedee674939?s1=3457917" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Current</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control1-acb2e93d-2ef5-4992-8f65-27ba190e96bf" role="tab" name="accordion-pannel-acb2e93d-2ef5-4992-8f65-27ba190e96bf" type="radio" aria-controls="content1-acb2e93d-2ef5-4992-8f65-27ba190e96bf"/> <label id="label1-acb2e93d-2ef5-4992-8f65-27ba190e96bf" tabindex="0" role="button" for="control1-acb2e93d-2ef5-4992-8f65-27ba190e96bf"> Fees & APR</label> <div id="content1-acb2e93d-2ef5-4992-8f65-27ba190e96bf" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-acb2e93d-2ef5-4992-8f65-27ba190e96bf"> You may choose to tip when you request a paycheck advance, although this is entirely optional. There is a fee for requesting instant access, although the rate varies by the amount of the advance. </div> <!-- --> <input id="control2-acb2e93d-2ef5-4992-8f65-27ba190e96bf" role="tab" name="accordion-pannel-acb2e93d-2ef5-4992-8f65-27ba190e96bf" type="radio" aria-controls="content2-acb2e93d-2ef5-4992-8f65-27ba190e96bf"/> <label id="label2-acb2e93d-2ef5-4992-8f65-27ba190e96bf" tabindex="0" role="button" for="control2-acb2e93d-2ef5-4992-8f65-27ba190e96bf"> Repayment terms</label> <div id="content2-acb2e93d-2ef5-4992-8f65-27ba190e96bf" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-acb2e93d-2ef5-4992-8f65-27ba190e96bf"> Unless you manually repay your advance early, the repayment is deducted from your next paycheck automatically. </div> <a href="https://secure.money.com/pr/tdedee674939?s1=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://secure.money.com/pr/tdedee674939?s1=3457917" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Current</p> </section></div> </div> <h4 class="wp-block-heading">Why we like Current as best for a paycheck advance</h4> <p>A paycheck advance through Current only requires a minimum payroll deposit of $500 while most apps require at least $800. Your advance can be deposited instantly for a fee. Otherwise, standard timing takes up to three business days.</p> <p>There is no credit check to access a cash advance with Current. However, to qualify, you must have an eligible direct deposit into the account you have with Current or set up an external bank account with a direct deposit. </p> <p>While Current charges no fees, other than if you want an instant deposit, it does give the option to leave a tip. You won’t be penalized in any way for not leaving a tip, although some may feel obligated to tip, so use your discretion. </p> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/current-neobank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/current-neobank-review/">Current review</a></p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li>You’re not required to have a Current bank account</li><li>Your limit can increase over time</li><li>No credit checks</li></ul></div><div><h3>Cons</h3><ul><li>Instant deposits can take up to an hour</li><li>Some users complain of poor customer service</li><li>Not available in Connecticut, Maryland, or Nevada</li></ul></div></div> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other offerings from Current</h4></summary><p>Current is a fintech company and not a bank. However, it offers bank-like services, including: </p> <ul><li>A bank account that helps you build your credit</li> <li>Crypto trading</li> <li>A savings account that pays up to 4.00% as an annual bonus</li></ul></details> <h2 class="wp-block-heading">Varo: Best for flexible repayment</h2> <p>With more than 3 million customers, Varo is an online-only bank offering products like high-yield savings accounts, lines of credit, credit-building cards, standard bank accounts, and cash advances.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="varo" class="card-title">Varo</h3> <section class="card-description"> <table> <tbody> <tr> <td>Maximum advance limit:</td> <td>$500</td> </tr> <tr> <td>Time to fund:</td> <td>Immediate</td> </tr> <tr> <td>Subscription fees:</td> <td>None</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Varo-Bank-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Varo-Bank-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Varo-Bank-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Varo-Bank-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Varo-Bank-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Varo-Bank-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Varo-Bank-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Varo-Bank-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Varo-Bank-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=varo-cash&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=varo-cash&tag.subid=3457917" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control1-68fb7452-73eb-4b4f-af25-740bcdc42267" role="tab" name="accordion-pannel-68fb7452-73eb-4b4f-af25-740bcdc42267" type="radio" aria-controls="content1-68fb7452-73eb-4b4f-af25-740bcdc42267"/> <label id="label1-68fb7452-73eb-4b4f-af25-740bcdc42267" tabindex="0" role="button" for="control1-68fb7452-73eb-4b4f-af25-740bcdc42267"> Fees & APR</label> <div id="content1-68fb7452-73eb-4b4f-af25-740bcdc42267" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-68fb7452-73eb-4b4f-af25-740bcdc42267"> Varo charges no interest, nor do they ask for any tips. Instead, you pay a flat fee of 8% of the amount borrowed. For example, if you borrow the maximum of $500, you owe $40. Meanwhile, if you borrow $300, you only pay $24. </div> <!-- --> <input id="control2-68fb7452-73eb-4b4f-af25-740bcdc42267" role="tab" name="accordion-pannel-68fb7452-73eb-4b4f-af25-740bcdc42267" type="radio" aria-controls="content2-68fb7452-73eb-4b4f-af25-740bcdc42267"/> <label id="label2-68fb7452-73eb-4b4f-af25-740bcdc42267" tabindex="0" role="button" for="control2-68fb7452-73eb-4b4f-af25-740bcdc42267"> Repayment terms</label> <div id="content2-68fb7452-73eb-4b4f-af25-740bcdc42267" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-68fb7452-73eb-4b4f-af25-740bcdc42267"> You have up to 30 days to repay your cash advance. </div> <a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=varo-cash&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=varo-cash&tag.subid=3457917" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we like Varo as best for flexible repayment</h4> <p>When getting a cash advance, most apps require you to repay your advance on your next payday. However, Varo lets you choose anywhere from 15 to 30 days from the date you receive your advance. Plus, you can split this amount into as many payments as needed, provided you pay it back within 30 days.</p> <p>Like most cash advance apps, you won’t be able to borrow the maximum amount during your first advance. Instead, you must work your way up to it. If you have larger direct deposits, other than the minimum of $800 to get an advance, you may qualify for higher advances right out of the gate. You’ll also need to be a Varo customer, with a Varo Online Bank Account or Savings Account.</p> <p>When users rely on short-term borrowing, they can sometimes get stuck in a cycle of debt that’s not easy to get out of. But with Varo, its system evaluates your ability to take an advance daily. So, if you’re having a difficult time paying back a Varo Advance or have a negative account balance, you won’t be able to take out another one until you’ve brought these into good standing. </p> <p><strong>Learn more:</strong> read our <a href="https://fortune.com/recommends/banking/varo-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/varo-bank-review/">Varo review</a></p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li>Repay your advance anywhere from 15 to 30 days after funding</li><li>Only requires $800 in combined direct deposits per month to qualify</li><li>Can split repayment into many payments as long as it’s paid in full within 30 days</li></ul></div><div><h3>Cons</h3><ul><li>Must be a Varo banking customer</li><li>Your first advance is only up to $250</li><li>You may only be able to borrow $20</li></ul></div></div> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other offerings from Varo</h4></summary><p>Varo helps its customers manage several areas of their finances, including banking, budgeting, and credit:</p> <ul><li>Online banking</li> <li>High-yield savings account</li> <li>Credit builder card</li> <li>Personal line of credit</li></ul></details> <h2 class="wp-block-heading">Chime: Best for low-fee instant cash</h2> <p>Chime is a financial technology (fintech) company offering MyPay™, which allows customers to get an advance on their paychecks. In addition to MyPay™, it offers several other online banking products.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="chime" class="card-title">Chime</h3> <section class="card-description"> <table> <tbody> <tr> <td>Maximum advance limit:</td> <td>Up to $500^</td> </tr> <tr> <td>Time to fund:</td> <td>Free within 24 hours, Instantly for a $2 fee.*</td> </tr> <tr> <td>Subscription fees:</td> <td>None</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/chime-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/chime-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/chime-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/chime-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/chime-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/chime-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/chime-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/chime-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/chime-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/b9770b4b-b792-465c-93b0-f03bea18967c/b24e3855-20b4-485b-8d90-2972af2a1454?tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://offers.moneylion.com/channelTrackingOfferRedirect/b9770b4b-b792-465c-93b0-f03bea18967c/b24e3855-20b4-485b-8d90-2972af2a1454?tag.subid=3457917" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Chime</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control1-33e3f040-b97a-4280-b890-064aec7cf678" role="tab" name="accordion-pannel-33e3f040-b97a-4280-b890-064aec7cf678" type="radio" aria-controls="content1-33e3f040-b97a-4280-b890-064aec7cf678"/> <label id="label1-33e3f040-b97a-4280-b890-064aec7cf678" tabindex="0" role="button" for="control1-33e3f040-b97a-4280-b890-064aec7cf678"> Fees & APR</label> <div id="content1-33e3f040-b97a-4280-b890-064aec7cf678" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-33e3f040-b97a-4280-b890-064aec7cf678"> When you receive your paycheck advance in 24 hours, there is no fee from Chime. However, if you opt for its instant deposit, you pay a $2 fee per advance. You won’t pay any interest, and there are no credit checks. </div> <!-- --> <input id="control2-33e3f040-b97a-4280-b890-064aec7cf678" role="tab" name="accordion-pannel-33e3f040-b97a-4280-b890-064aec7cf678" type="radio" aria-controls="content2-33e3f040-b97a-4280-b890-064aec7cf678"/> <label id="label2-33e3f040-b97a-4280-b890-064aec7cf678" tabindex="0" role="button" for="control2-33e3f040-b97a-4280-b890-064aec7cf678"> Repayment terms</label> <div id="content2-33e3f040-b97a-4280-b890-064aec7cf678" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-33e3f040-b97a-4280-b890-064aec7cf678"> Your MyPay repayment is deducted automatically from your next direct deposit. From the app, you can view your repayment schedule and credit limit at any time. </div> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/b9770b4b-b792-465c-93b0-f03bea18967c/b24e3855-20b4-485b-8d90-2972af2a1454?tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://offers.moneylion.com/channelTrackingOfferRedirect/b9770b4b-b792-465c-93b0-f03bea18967c/b24e3855-20b4-485b-8d90-2972af2a1454?tag.subid=3457917" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Chime</p> </section></div> </div> <h4 class="wp-block-heading">Why we like Chime for best low-fee instant deposits</h4> <p>When you receive an advance on your paycheck from Chime, you won’t pay any fees to have your funds deposited within 24 hours. However, if you need quick access to your funds, you can request an instant deposit. Normally, apps charge a percentage of the advance as a fee, often around 1.75% to 2%.</p> <p>With Chime, you’re paying a flat fee of $2, no matter the amount of the advance. So, if you’re taking a larger advance, you’re still only paying $2. On other apps, you might pay a $5–$10 fee on an advance of a few hundred dollars.</p> <p>Unlike other cash advance apps, you’re also not asked to provide a tip. Instead, Chime makes its money through interchange fees on its other products.</p> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/chime-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/chime-review/">Chime review</a></p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li>Receive your paycheck advance instantly for a $2 fee</li><li>Requires no credit check</li><li>No optional tipping like other apps</li></ul></div><div><h3>Cons</h3><ul><li>Most cash advances start at $50 to $100</li><li>Not available in every state</li><li>Qualifications may be stricter than other apps since they’re based on your credit score</li></ul></div></div> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other offerings from Chime</h4></summary><p>Besides its cash advance product, Chime offers a host of other options for its customers. These include:</p> <ul><li><strong>Chime account: </strong>This is its online bank account. Chime doesn’t use ChexSystems nor does it check your credit, making it ideal for those with less-than-stellar banking histories.</li> <li><strong>High-yield savings: </strong>Receive up to 2.00% APY on your money.</li> <li><strong>Chime Visa debit card</strong>: With a debit card, you can access funds from more than 50,000 fee-free ATMs.</li> <li><strong>SpotMe: </strong>Provides up to $200 in fee-free overdraft protection.</li></ul></details> <p style="font-size:12px"><em>Chime is a financial technology company, not a bank. MyPay<sup>TM</sup> line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (<a href="https://www.chime.com/licenses/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.chime.com/licenses/" rel="noreferrer noopener">NMLS ID 2316451</a>).</em></p> <p style="font-size:12px"><em>^To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 – $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See <a href="https://www.chime.com/policies/bancorp/mypay/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.chime.com/policies/bancorp/mypay/" rel="noreferrer noopener">Bancorp MyPay Agreement</a> or <a href="https://www.chime.com/policies/stride/mypay/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.chime.com/policies/stride/mypay/" rel="noreferrer noopener">Stride MyPay Agreement</a> for details.</em></p> <p style="font-size:12px"><em>*Free transfers within 24 hours or $2 fee applies to get funds instantly.</em></p> <h2 class="wp-block-heading">SoLo Funds: Best for peer-to-peer (P2P) cash advances</h2> <p>SoLo Funds is the first Black-owned fintech company, founded by Travis Holoway and Rodney Williams. It offers P2P lending via an app with more than 1 million users, 82% of whom come from underserved ZIP codes. This equates to 600,000 loans made with a transaction volume of more than $300 million.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="solo-funds" class="card-title">SoLo Funds</h3> <section class="card-description"> <table> <tbody> <tr> <td>Maximum advance limit:</td> <td>$575</td> </tr> <tr> <td>Time to fund:</td> <td>Minutes</td> </tr> <tr> <td>Subscription fees:</td> <td>None</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-SoLo-Funds-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-SoLo-Funds-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-SoLo-Funds-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-SoLo-Funds-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-SoLo-Funds-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-SoLo-Funds-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-SoLo-Funds-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-SoLo-Funds-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-SoLo-Funds-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=solo_funds&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=solo_funds&tag.subid=3457917" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control1-d830b439-aa04-4ff7-91fe-8eaeb4e7cea6" role="tab" name="accordion-pannel-d830b439-aa04-4ff7-91fe-8eaeb4e7cea6" type="radio" aria-controls="content1-d830b439-aa04-4ff7-91fe-8eaeb4e7cea6"/> <label id="label1-d830b439-aa04-4ff7-91fe-8eaeb4e7cea6" tabindex="0" role="button" for="control1-d830b439-aa04-4ff7-91fe-8eaeb4e7cea6"> Fees & APR</label> <div id="content1-d830b439-aa04-4ff7-91fe-8eaeb4e7cea6" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-d830b439-aa04-4ff7-91fe-8eaeb4e7cea6"> Members can tip and make a donation when repaying, although both are optional. It’s important to understand that lenders can see if they will receive a tip from a consumer, and in December 2022, only 0.5% of loans received funding when consumers elected not to tip. A late fee of 10% occurs on the 35th day after advance origination. There are also fees assessed to the lending member and the borrower if a loan is sent to collection, which occurs on the 90th day. </div> <!-- --> <input id="control2-d830b439-aa04-4ff7-91fe-8eaeb4e7cea6" role="tab" name="accordion-pannel-d830b439-aa04-4ff7-91fe-8eaeb4e7cea6" type="radio" aria-controls="content2-d830b439-aa04-4ff7-91fe-8eaeb4e7cea6"/> <label id="label2-d830b439-aa04-4ff7-91fe-8eaeb4e7cea6" tabindex="0" role="button" for="control2-d830b439-aa04-4ff7-91fe-8eaeb4e7cea6"> Repayment terms</label> <div id="content2-d830b439-aa04-4ff7-91fe-8eaeb4e7cea6" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-d830b439-aa04-4ff7-91fe-8eaeb4e7cea6"> Loans must be repaid within 34 days, although you can elect to have a shorter repayment period. </div> <a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=solo_funds&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=solo_funds&tag.subid=3457917" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we like Solo Funds as best for peer-to-peer loans</h4> <p>SoLo Funds offers flexible loan terms and allows you to state what the funds will be used for, which could potentially entice the lender to choose your advance to fund. These cash advances are community-based rather than provided directly by the platform. When you request an advance, lenders can see your SoLo Funds score, letting them know how risky it is to lend to you, and they can also see if you’re providing them with a tip. Meanwhile, this also means lenders are far less likely to lend to you if you do not tip. The maximum tip you can give is 15%.</p> <p>Solo Funds advertises that your money will arrive in your account usually in less than 20 minutes. However, it’s important to understand that recent changes in its fee structure makes it less advantageous for lenders to lend money. This means your advance request may never be funded. </p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li>Flexible repayment terms</li><li>Community-based support</li><li>Not giving a tip will have no impact on future loan requests</li></ul></div><div><h3>Cons</h3><ul><li>Your loan request may never get funded before it expires</li><li>There are currently several known bugs leading to frustrating customer service experiences</li><li>Recent changes have made it less attractive for lenders to lend, making funding harder to obtain</li></ul></div></div> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other offerings from SoLo Funds</h4></summary><p>While SoLo Funds isn’t a bank like many on this list, it is a fintech company with bank-like products. This includes SoLo Wallet, which is banking with debit cards, no overdraft fees and, eventually, it plans to add life insurance and interest to these accounts too.</p></details> <h2 class="wp-block-heading">Vola: Best for rewarding financial literacy</h2> <p>Vola is a subscription service with more than 300,000 clients. Since its inception, it has helped its customers save more than $15 million in bank fees.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="vola" class="card-title">Vola</h3> <section class="card-description"> <table> <tbody> <tr> <td>Maximum advance limit:</td> <td>$500</td> </tr> <tr> <td>Time to fund:</td> <td>5 business hours</td> </tr> <tr> <td>Subscription fees:</td> <td>Premium plans start at $1.99</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Vola-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Vola-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Vola-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Vola-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Vola-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Vola-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Vola-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Vola-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Vola-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=vola&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=vola&tag.subid=3457917" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control1-f879ec15-0cea-49fa-b5ac-27590424d891" role="tab" name="accordion-pannel-f879ec15-0cea-49fa-b5ac-27590424d891" type="radio" aria-controls="content1-f879ec15-0cea-49fa-b5ac-27590424d891"/> <label id="label1-f879ec15-0cea-49fa-b5ac-27590424d891" tabindex="0" role="button" for="control1-f879ec15-0cea-49fa-b5ac-27590424d891"> Fees & APR</label> <div id="content1-f879ec15-0cea-49fa-b5ac-27590424d891" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-f879ec15-0cea-49fa-b5ac-27590424d891"> There is no fee to receive an advance—these are available under Vola’s free subscription tier. Premium subscription plans start at $1.99 per month and include coupons and discounts. </div> <!-- --> <input id="control2-f879ec15-0cea-49fa-b5ac-27590424d891" role="tab" name="accordion-pannel-f879ec15-0cea-49fa-b5ac-27590424d891" type="radio" aria-controls="content2-f879ec15-0cea-49fa-b5ac-27590424d891"/> <label id="label2-f879ec15-0cea-49fa-b5ac-27590424d891" tabindex="0" role="button" for="control2-f879ec15-0cea-49fa-b5ac-27590424d891"> Repayment terms</label> <div id="content2-f879ec15-0cea-49fa-b5ac-27590424d891" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-f879ec15-0cea-49fa-b5ac-27590424d891"> Your repayment will be deducted automatically from your linked debit card or bank account on your payday or whichever date you previously selected when you took the advance. </div> <a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=vola&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=vola&tag.subid=3457917" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading" id="vola">Why we like Vola as best for rewarding financial literacy</h4> <p>Relying on cash advances can impact your financial situation negatively over time. That’s why we like Vola—it rewards you actively for increasing your financial literacy and limits the number of advances you can take. </p> <p>By linking your bank accounts, you can see your balances and spending at a glance, and it will send you alerts when your balance is low. This way, you can request an advance to help cover you so you won’t have to pay any nonsufficient funds (NSF) or overdraft fees by your banking institution.</p> <p>To keep users from getting into a cycle of debt by becoming reliant on its service, Vola has a low minimum advance amount of $500 and limits the frequency of cash advances to two advances in a 30-day period. Unlike most cash advance apps, you can report eligible payments to credit bureaus to help build your credit score.</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li>Increase the amount you can advance by reading financial literacy articles</li><li>No fees</li><li>Referral reward for referring your friends to Vola</li></ul></div><div><h3>Cons</h3><ul><li>There are limits to how often you can take a Vola cash advance each year</li><li>Because it uses Plaid, not all customers will qualify</li></ul></div></div> <h2 class="wp-block-heading">Payactiv: Best for multiple transfer options</h2> <p>Headquartered in Milpitas, California, Payactiv got its start in 2012. It works with more than 1,500 businesses and has helped over 2 million users access more than $5 billion in wages.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="payactiv" class="card-title">Payactiv</h3> <section class="card-description"> <table> <tbody> <tr> <td>Maximum advance limit:</td> <td>$1,500</td> </tr> <tr> <td>Time to fund:</td> <td>Immediate</td> </tr> <tr> <td>Subscription fees:</td> <td>None</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Payactiv-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Payactiv-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Payactiv-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Payactiv-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Payactiv-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Payactiv-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Payactiv-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Payactiv-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Payactiv-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=payactiv&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=payactiv&tag.subid=3457917" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control1-1d5e463e-74c4-4fce-a932-4301d4052f3e" role="tab" name="accordion-pannel-1d5e463e-74c4-4fce-a932-4301d4052f3e" type="radio" aria-controls="content1-1d5e463e-74c4-4fce-a932-4301d4052f3e"/> <label id="label1-1d5e463e-74c4-4fce-a932-4301d4052f3e" tabindex="0" role="button" for="control1-1d5e463e-74c4-4fce-a932-4301d4052f3e"> Fees & APR</label> <div id="content1-1d5e463e-74c4-4fce-a932-4301d4052f3e" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-1d5e463e-74c4-4fce-a932-4301d4052f3e"> The only fee you’ll pay for accessing your paycheck early is if you want instant deposits. These fees range from $2.49 to $3.49, although this is waived if you have a direct deposit of more than $200 per pay period. </div> <!-- --> <input id="control2-1d5e463e-74c4-4fce-a932-4301d4052f3e" role="tab" name="accordion-pannel-1d5e463e-74c4-4fce-a932-4301d4052f3e" type="radio" aria-controls="content2-1d5e463e-74c4-4fce-a932-4301d4052f3e"/> <label id="label2-1d5e463e-74c4-4fce-a932-4301d4052f3e" tabindex="0" role="button" for="control2-1d5e463e-74c4-4fce-a932-4301d4052f3e"> Repayment terms</label> <div id="content2-1d5e463e-74c4-4fce-a932-4301d4052f3e" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-1d5e463e-74c4-4fce-a932-4301d4052f3e"> Your Payactiv repayment will show as a deduction on your next paycheck. </div> <a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=payactiv&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=payactiv&tag.subid=3457917" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we like Payactiv as best for multiple transfer options</h4> <p>Sometimes, making ends meet before your next paycheck is due to arrive is made difficult by emergencies. With Payactiv, you can access the money you’ve already earned before your next paycheck. This requires employer participation but is a great feature to have if it’s available to you. </p> <p>This is called Earned Wage Access (EWA), and we like that so many big employers take part, such as Amazon, Uber, AMC, Walmart, and Visa. It gives employees more control over money they’ve already earned. </p> <p>Receiving an EWA disbursement has no fees if you receive it via ACH. However, there are fees to have the money deposited to a non-Payactiv card or to claim your money at a Walmart Cash Pickup. Repayment will show as a deduction on your next paycheck.</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li>Multiple transfer options</li><li>Helps avoid overdraft and late fees</li><li>Can use earnings for ride-sharing services, discounts on gas, and shopping online, in addition to bills</li></ul></div><div><h3>Cons</h3><ul><li>Dependant on employer participation</li><li>Limited to employer’s settings for accessible balance</li><li>Maximum available is $750 unless you use the Payactiv Visa Card for your direct deposit</li></ul></div></div> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other offerings from Payactiv</h4></summary><p>As a fintech company, Payactiv offers its customers a variety of smart financial resources and products, including: </p> <ul><li>Payactiv Visa card</li> <li>Bill pay </li> <li>Goal-based savings </li> <li>Financial coaching </li> <li>Pay a friend</li></ul></details> <h2 class="wp-block-heading">DailyPay: Best for earned wage access</h2> <p>Founded in 2015, DailyPay gives employees access to money already earned. It raised $5 million in Series A funding, $9 million in Series B funding, and $500 million in Series D funding.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="dailypay" class="card-title">DailyPay</h3> <section class="card-description"> <table> <tbody> <tr> <td>Maximum advance limit:</td> <td>Varies</td> </tr> <tr> <td>Time to fund:</td> <td>Instant</td> </tr> <tr> <td>Subscription fees:</td> <td>None</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/06/DailyPay.Wordmark.RGB_.Orange.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/06/DailyPay.Wordmark.RGB_.Orange.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/06/DailyPay.Wordmark.RGB_.Orange.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/06/DailyPay.Wordmark.RGB_.Orange.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/06/DailyPay.Wordmark.RGB_.Orange.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/06/DailyPay.Wordmark.RGB_.Orange.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/06/DailyPay.Wordmark.RGB_.Orange.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/06/DailyPay.Wordmark.RGB_.Orange.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/06/DailyPay.Wordmark.RGB_.Orange.jpg?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=dailypay&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=dailypay&tag.subid=3457917" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control1-00187185-7f7c-4fad-9985-f8f84e06e60a" role="tab" name="accordion-pannel-00187185-7f7c-4fad-9985-f8f84e06e60a" type="radio" aria-controls="content1-00187185-7f7c-4fad-9985-f8f84e06e60a"/> <label id="label1-00187185-7f7c-4fad-9985-f8f84e06e60a" tabindex="0" role="button" for="control1-00187185-7f7c-4fad-9985-f8f84e06e60a"> Fees & APR</label> <div id="content1-00187185-7f7c-4fad-9985-f8f84e06e60a" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-00187185-7f7c-4fad-9985-f8f84e06e60a"> Fees are set by your employer’s contract. However, there is no fee to receive a next-business-day transfer. </div> <!-- --> <input id="control2-00187185-7f7c-4fad-9985-f8f84e06e60a" role="tab" name="accordion-pannel-00187185-7f7c-4fad-9985-f8f84e06e60a" type="radio" aria-controls="content2-00187185-7f7c-4fad-9985-f8f84e06e60a"/> <label id="label2-00187185-7f7c-4fad-9985-f8f84e06e60a" tabindex="0" role="button" for="control2-00187185-7f7c-4fad-9985-f8f84e06e60a"> Repayment terms</label> <div id="content2-00187185-7f7c-4fad-9985-f8f84e06e60a" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-00187185-7f7c-4fad-9985-f8f84e06e60a"> Your DailyPay repayment will show as a deduction on your next paycheck. </div> <a href="https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=dailypay&tag.subid=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=dailypay&tag.subid=3457917" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we like DailyPay as best for getting the money you’ve already earned</h4> <p>DailyPay is another type of EWA, where you’re receiving money you’ve already earned, rather than waiting until payday to access your money. This is helpful if you need immediate access to funds for unexpected expenses or want to avoid relying on credit or loans between paychecks. For those who are paid less frequently, such as monthly, this can be a great relief.</p> <p>With DailyPay, you can transfer up to $1,000 per day in as many as five total transfers. The amount you can transfer varies by what’s accumulated in your “Available now” section of the app and depends on the hours you’ve clocked for your shift. However, you can withdraw 100% of what’s available in that section, so if you have $500 available, you can withdraw $500. </p> <p>According to DailyPay, 81% of employees who use its service stopped using payday loans altogether, and 15% reduced their use. The use of payday loans can bury employees in a cycle of debt that’s incredibly difficult to dig out of, so the ability to access earned wages through DailyPay can help break that cycle by providing a safer and more manageable alternative for covering short-term financial needs.</p> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/dailypay-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/dailypay-review/">DailyPay review</a></p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li>Can transfer up to $1,000 per day</li><li>Supports tips, rewards, and hourly pay</li><li>You can set your own withdrawal limits to encourage better financial management</li></ul></div><div><h3>Cons</h3><ul><li>Dependable on employer participation</li><li>Only available to employers with more than 500 employees</li><li>Not all banks or credit unions are supported, such as small credit unions, American Express cards, and Discover cards</li></ul></div></div> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other offerings from DailyPay</h4></summary><p>DailyPay is a fintech company offering the following products for employees:</p> <ul><li>DailyPay Visa Prepaid card</li> <li>Credit Health, where you can track and monitor your credit score</li></ul></details> <h2 class="wp-block-heading">Albert: Best for overdraft protection</h2> <p>College roommates Yinon Ravid and Andrzej Baraniak founded Albert in 2019 and aim to help customers have financial stability. Its members have saved and invested over $1 billion.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="albert" class="card-title">Albert</h3> <section class="card-description"> <table> <tbody> <tr> <td>Maximum advance limit:</td> <td>$250</td> </tr> <tr> <td>Time to fund:</td> <td>Instant</td> </tr> <tr> <td>Subscription fees:</td> <td>$9.99 to $14.99 per month</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Albert-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Albert-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Albert-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Albert-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Albert-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Albert-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Albert-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Albert-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Albert-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://r.financebuzz.com/aff_c?offer_id=17119&aff_id=1940&source=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://r.financebuzz.com/aff_c?offer_id=17119&aff_id=1940&source=3457917" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at Albert</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control1-4a3a5d74-9091-468a-9823-e77565ee12d1" role="tab" name="accordion-pannel-4a3a5d74-9091-468a-9823-e77565ee12d1" type="radio" aria-controls="content1-4a3a5d74-9091-468a-9823-e77565ee12d1"/> <label id="label1-4a3a5d74-9091-468a-9823-e77565ee12d1" tabindex="0" role="button" for="control1-4a3a5d74-9091-468a-9823-e77565ee12d1"> Fees & APR</label> <div id="content1-4a3a5d74-9091-468a-9823-e77565ee12d1" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-4a3a5d74-9091-468a-9823-e77565ee12d1"> Your Albert subscription costs $9.99 per month, although you’ll need its Genius subscription at $14.99 per month to access automatic overdraft protection. </div> <!-- --> <input id="control2-4a3a5d74-9091-468a-9823-e77565ee12d1" role="tab" name="accordion-pannel-4a3a5d74-9091-468a-9823-e77565ee12d1" type="radio" aria-controls="content2-4a3a5d74-9091-468a-9823-e77565ee12d1"/> <label id="label2-4a3a5d74-9091-468a-9823-e77565ee12d1" tabindex="0" role="button" for="control2-4a3a5d74-9091-468a-9823-e77565ee12d1"> Repayment terms</label> <div id="content2-4a3a5d74-9091-468a-9823-e77565ee12d1" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-4a3a5d74-9091-468a-9823-e77565ee12d1"> You have a six-day grace period to repay your overdraft protection. </div> <a href="https://r.financebuzz.com/aff_c?offer_id=17119&aff_id=1940&source=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://r.financebuzz.com/aff_c?offer_id=17119&aff_id=1940&source=3457917" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at Albert</p> </section></div> </div> <h4 class="wp-block-heading">Why we like Albert as best for overdraft protection</h4> <p>Albert Instant will cover overdrafts that occur due to withdrawals at an ATM, debit card purchases, and electronic transfers, such as an ACH. You have six days to cover your overdraft; otherwise, it may suspend overdraft privileges.</p> <p>In addition to its overdraft protection, users can earn up to 20% cash back on everyday spending like groceries and gas. You’ll receive your paycheck up to two days early, have access to more than 55,000 ATMs fee-free, and monitor your identity 24/7 for suspicious activity.</p> <p>It offers a 30-day free trial before you’re charged for its app, so you can test drive it to see if Albert will work for you. Although Albert isn’t a bank, users still receive Federal Deposit Insurance Corp. (FDIC) insurance through Sutton Bank. </p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li>Requires no credit check</li><li>No fees other than your subscription, unless paying for Fast Transfer</li><li>30-day free trial</li></ul></div><div><h3>Cons</h3><ul><li>The average approved advance is just $95</li><li>Must have a Genius subscription for an instant overdraft advance</li><li>It’s less an advance and more like standard overdraft protection</li></ul></div></div> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other offerings from Albert</h4></summary><p>While Albert isn’t a bank like most cash advance apps, it’s backed by a bank and provides several financial tools to help its customers spend, save, and invest wisely. These additional tools include the following: </p> <ul><li>Access to finance experts through Genius, who can even analyze your spending and income to see if you can afford to save or invest more every week</li> <li>Banking with a Cash account</li> <li>Automate your savings based on your income, bills, and spending</li> <li>Invest as little as $1</li> <li>Budgeting tools that track your bills and spending</li> <li>Credit monitoring</li></ul></details> <h2 class="wp-block-heading">Brigit: Best for automatic advances</h2> <p>Brigit has 4 million users with an average App Store rating of 4.8 stars from 328,000 reviews. It’s also available on the Google Play store and has 4.7 stars from 220,000 reviews.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="brigit" class="card-title">Brigit</h3> <section class="card-description"> <table> <tbody> <tr> <td>Maximum advance limit:</td> <td>$250</td> </tr> <tr> <td>Time to fund:</td> <td>2-3 business days; 20 minutes with a small fee</td> </tr> <tr> <td>Subscription fees:</td> <td>$8.99–$14.99</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/11/brigit-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/11/brigit-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/11/brigit-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/11/brigit-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/11/brigit-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/11/brigit-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/11/brigit-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/11/brigit-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/11/brigit-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://r.financebuzz.com/aff_c?offer_id=16437&aff_id=1940&source=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://r.financebuzz.com/aff_c?offer_id=16437&aff_id=1940&source=3457917" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Brigit</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control1-f52f5d3f-2137-4841-82b4-1b007d611627" role="tab" name="accordion-pannel-f52f5d3f-2137-4841-82b4-1b007d611627" type="radio" aria-controls="content1-f52f5d3f-2137-4841-82b4-1b007d611627"/> <label id="label1-f52f5d3f-2137-4841-82b4-1b007d611627" tabindex="0" role="button" for="control1-f52f5d3f-2137-4841-82b4-1b007d611627"> Fees & APR</label> <div id="content1-f52f5d3f-2137-4841-82b4-1b007d611627" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-f52f5d3f-2137-4841-82b4-1b007d611627"> Instant Cash is free, but it offers a subscription membership with additional features for $8.99 or $14.99, depending on the features you want. </div> <!-- --> <input id="control2-f52f5d3f-2137-4841-82b4-1b007d611627" role="tab" name="accordion-pannel-f52f5d3f-2137-4841-82b4-1b007d611627" type="radio" aria-controls="content2-f52f5d3f-2137-4841-82b4-1b007d611627"/> <label id="label2-f52f5d3f-2137-4841-82b4-1b007d611627" tabindex="0" role="button" for="control2-f52f5d3f-2137-4841-82b4-1b007d611627"> Repayment terms</label> <div id="content2-f52f5d3f-2137-4841-82b4-1b007d611627" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-f52f5d3f-2137-4841-82b4-1b007d611627"> Your repayment date is set by your pay date, although you can use an extension to select a preferred date instead. You can also pay it early by selecting “make a payment.” All repayments occur using the bank account established during setup. </div> <a href="https://r.financebuzz.com/aff_c?offer_id=16437&aff_id=1940&source=3457917" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://r.financebuzz.com/aff_c?offer_id=16437&aff_id=1940&source=3457917" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Brigit</p> </section></div> </div> <h4 class="wp-block-heading">Why we like it</h4> <p>Brigit offers two ways to get a cash advance: Standard delivery gets you cash within 2-3 business days, while you can get your money in 20 minutes with Express Delivery for a small fee. Note that a monthly subscription is required to be eligible for Instant Cash—$8.99 for a Plus account and $14.99 for Premium. Premium accounts get free express delivery as well as access to a credit builder tool. </p> <p>One of the biggest perks of using Brigit is its Automatic Advances feature, which will monitor your account, and if it sees you’re about to overdraft, it’ll issue an advance. You can still request an advance even if you have this feature turned on as an added safeguard for your account. Keep in mind that you can still only have one advance at a time, including the Automatic Advance.</p> <p>To qualify for Brigit Instant Cash you must have at least three recurring deposits from the same employer or deposit source.</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li>No late fees</li><li>Can bank up to three repayment extensions</li><li>Automatic Advances will advance you Instant Cash if you’re at risk of an overdraft</li></ul></div><div><h3>Cons</h3><ul><li>Its advance limit is relatively low compared to the competition</li><li>ATM deposits, paper checks, cash transfers, or irregular pay periods don’t qualify</li><li>You cannot increase your advance amount</li></ul></div></div> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other offerings from Brigit</h4></summary><p>Brigit also offers tools like credit monitoring, identity theft protection, and a finance helper:</p> <ul><li>Credit builder tool</li> <li>Credit monitoring and reporting</li> <li>Identity theft protection of up to $1 million</li> <li>Exclusive offers to earn and save</li> <li>Finance Helper with spending breakdowns and bill forecasts</li></ul></details> <div class="myFinance-widget" data-ad-id="5c6ba399-d32f-4e30-9722-8373c50873c3" data-campaign="fortune-savings-multi" data-sub-id="sav-multi-bank"></div> <h2 class="wp-block-heading" id="definition"><strong>What is a cash advance app?</strong> </h2> <p>Cash advance apps are tools that can bridge the financial gap between paychecks. You connect your bank account, upload employment and earnings info, and then you can transfer a portion of your upcoming earnings right into your bank account or on a designated debit card. Then, repay that advance during your next payday.</p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tip</h3> <p>“Know what your paycheck amount will be before taking an advance, because the repayment amount is meant to come out of your next paycheck. Keep track of the difference, so you have a realistic idea of how much you’ll have on hand once you’re paid. Ideally, you can repay an advance with a single paycheck so you don’t carry debt from paycheck to paycheck.” <em>– Dana Miranda, CEPF® and personal finance journalist</em></p></div></div> <p>They can also be helpful for consumers facing potential penalties when their checking account funds are low. </p> <p>“You can pay bills on time, and you can avoid <a href="https://fortune.com/recommends/article/common-bank-fees-and-how-to-avoid-them/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/article/common-bank-fees-and-how-to-avoid-them/">overdraft fees</a>,” says Ram Palaniappan, CEO of EarnIn, one of the cash advance apps outlined above. “That’s money that stays in your pockets.”</p> <h3 class="wp-block-heading" id="advance-vs-loan">Cash advance app vs. payday lender</h3> <p>Typically, a cash advance is more flexible and convenient—ideal for short-term needs. A payday loan is often much less flexible and has higher risk than a cash advance. Here are some other key differences.</p> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr><th scope="col"></th><th scope="col"><strong>Cash advance app</strong></th><th scope="col"><strong>Payday lender</strong></th></tr></thead><tbody><tr><th scope="row"><strong>Fees and interest</strong></th><td class="">Often has no interest; may have small service fees or optional tips</td><td class="last-cell">Typically charges high interest rates and fees</td></tr><tr><th scope="row"><strong>Repayment terms</strong></th><td class="">Tied to the timing of your next paycheck or another agreed date; often flexible</td><td class="last-cell">Must be repaid by the next payday; can be inflexible and lead to a cycle of debt if extended</td></tr><tr><th scope="row"><strong>Loan amounts</strong></th><td class="">Usually small amounts, ranging from $100 to a few hundred dollars, though your first advance is often much smaller</td><td class="last-cell">Can range from $100 to $1,000 or more</td></tr><tr><th scope="row"><strong>Access and convenience</strong></th><td class="">Usually accessed through a mobile app; quick and easy process</td><td class="last-cell">Can be accessed online or in-store; may have a more complex application process</td></tr><tr><th scope="row"><strong>Credit check</strong></th><td class="">Doesn’t typically involve a credit check</td><td class="last-cell">May not require a credit check but can sometimes involve one</td></tr><tr><th scope="row"><strong>Financial management tools</strong></th><td class="">Often include budgeting tools, financial insights, and savings features</td><td class="last-cell">Rarely offer financial management tools; the focus is on the loan itself</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJr"><tbody><tr><th><strong>Fees and interest</strong></th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>Cash advance app</strong></th><td>Often has no interest; may have small service fees or optional tips</td></tr><tr><th class="header" scope="row"><strong>Payday lender</strong></th><td>Typically charges high interest rates and fees</td></tr><tr><th><strong>Repayment terms</strong></th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>Cash advance app</strong></th><td>Tied to the timing of your next paycheck or another agreed date; often flexible</td></tr><tr><th class="header" scope="row"><strong>Payday lender</strong></th><td>Must be repaid by the next payday; can be inflexible and lead to a cycle of debt if extended</td></tr><tr><th><strong>Loan amounts</strong></th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>Cash advance app</strong></th><td>Usually small amounts, ranging from $100 to a few hundred dollars, though your first advance is often much smaller</td></tr><tr><th class="header" scope="row"><strong>Payday lender</strong></th><td>Can range from $100 to $1,000 or more</td></tr><tr><th><strong>Access and convenience</strong></th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>Cash advance app</strong></th><td>Usually accessed through a mobile app; quick and easy process</td></tr><tr><th class="header" scope="row"><strong>Payday lender</strong></th><td>Can be accessed online or in-store; may have a more complex application process</td></tr><tr><th><strong>Credit check</strong></th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>Cash advance app</strong></th><td>Doesn’t typically involve a credit check</td></tr><tr><th class="header" scope="row"><strong>Payday lender</strong></th><td>May not require a credit check but can sometimes involve one</td></tr><tr><th><strong>Financial management tools</strong></th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>Cash advance app</strong></th><td>Often include budgeting tools, financial insights, and savings features</td></tr><tr><th class="header" scope="row"><strong>Payday lender</strong></th><td>Rarely offer financial management tools; the focus is on the loan itself</td></tr></tbody></table></div> <p><style>.table-container table, .table-container td, .table-container th {border: 1px solid #111111;}.table-container table {max-width: 600px;margin: auto;width: 100%;margin-bottom: 24px;font-family: 'Graphik Condensed', Arial Narrow, Helvetica neue Condensed, sans-serif;border-collapse: collapse;}.table-container table th {padding: 16px;background-color: #00CD98;font-size: 24px;font-weight: 600;line-height: 28.8px;}.table-container table tbody tr {background-color: #FFFFFF;}.table-container table tbody tr:first-child td {font-size: 16px;font-weight: 600;line-height: 19.2px;padding: 8px 16px;}.table-container table tbody tr td {padding: 16px;}.table-container table tbody tr td a {color: #007B9D;text-decoration: none;}.table-container table tbody tr td a:hover {color: #666666;}.table-container tr:first-of-type {background-color: #33CC99 !important;}</style></p> <h2 class="wp-block-heading" id="pros-and-cons"><strong>Pros and cons of cash advance apps</strong></h2> <p>Cash advance apps are a popular means for getting quick access to funds before payday. Here are some things to consider before taking one.</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li>Quick access to funds, often within minutes</li><li>Usually has no interest and few, if any, fees</li><li>Often provides other tools and services, such as budget help</li><li>You can usually move a repayment date if it’s a once-in-a-while thing</li><li>No credit checks</li></ul></div><div><h3>Cons</h3><ul><li>Compared to other options, the amount you can have advanced is low</li><li>Can get trapped in a cycle of debt if you make a habit of receiving advances</li><li>Relying on cash advances focuses on short-term relief without addressing long-term financial planning and saving</li></ul></div></div> <h2 class="wp-block-heading" id="safety"><strong>Are cash advance apps safe?</strong></h2> <p>Usually, a cash advance app offers advanced encryption and security measures so that your data is protected. Additionally, some face regulations from financial authorities, depending on whether they’re banks or fintech companies.</p> <p>Another essential aspect to consider is whether taking a cash advance will further any financial hardship you face. While cash advances are less risky than other methods, such as a payday loan, they aren’t suited for more significant financial issues that require long-term solutions. </p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tip</h3> <p>“Cash advance apps are far less predatory than payday lenders or even credit card companies, because they tend to set relatively low borrowing limits and don’t charge interest. They also might have safeguards built in that keep you from borrowing again until you’ve paid off an advance. But regularly relying on them between paychecks could still create a domino effect where you consistently owe money as soon as you’re paid and can never get ahead.” – <em>Dana Miranda, CEPF® and personal finance journalist</em></p></div></div> <h2 class="wp-block-heading" id="right-for-me"><strong>Is a cash advance app right for me?</strong></h2> <p>Determining whether a cash advance is right for you requires some self-reflection on your financial habits. If you take out a cash advance from multiple apps each pay period, this can signal some serious financial habits that can hinder you in the long run. The last thing you want is to end up with no wiggle room in your budget because you’ve had to repay all these advances, and you still have two weeks until payday hits again. </p> <p>Consider these questions before you take a payday advance:</p> <ul><li>How quickly do you need funds, or can it wait until your next paycheck?</li> <li>Can you afford to repay the advance without it creating a domino effect with the rest of your budget?</li> <li>Have you considered an alternative option, such as cutting back expenses or selling something on Facebook Marketplace or another site?</li> <li>Do you understand the fees you might be charged?</li> <li>How often do you face cash shortfalls?</li> <li>Can you avoid dependency?</li> <li>What is your financial health like? </li> <li>Do you have a plan to cover essential expenses after repaying the advance?</li> <li>Are you relying on advances regularly or is this a one-time need?</li> <li>Would a small emergency fund provide a better solution for unexpected expenses?</li> <li>Have you calculated the total cost of the advance, including any fees or tips, compared to other options?</li> <li>Is your current income stable enough to ensure you can repay the advance on time?</li> <li>Could accessing credit counseling services help improve your financial habits and reduce the need for advances?</li> <li>Is your current job enough to cover your expenses, or should you consider increasing your income?</li></ul> <h2 class="wp-block-heading" id="alternatives"><strong>Alternatives to cash advance apps</strong></h2> <p>Cash advance apps aren’t the only choice if you need cash before payday. Here’s a look at some of your other options.</p> <h3 class="wp-block-heading">Buy now, pay later (BNPL) apps</h3> <p>A <a href="https://fortune.com/recommends/loans/best-buy-now-pay-later-apps/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/best-buy-now-pay-later-apps/">BNPL app</a> is an attractive option if you have a large purchase to pay for but you don’t want it all to be taken out at once. However, if you get stuck in the cycle of using these to shop, rather than paying for the things you need, you can find yourself in an even worse position than where you started.</p> <h3 class="wp-block-heading">Personal loans or credit cards</h3> <p>A <a href="https://fortune.com/recommends/loans/best-personal-loans/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/best-personal-loans/">personal loan</a> can usually help fund larger purchases, though you’ll be charged interest on this. Additionally, a credit card can help you out in a pinch with a <a href="https://fortune.com/recommends/credit-cards/can-you-get-cash-back-with-a-credit-card/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/can-you-get-cash-back-with-a-credit-card/">cash advance</a>.</p> <p>“Someone would use a credit card if they could pay back that debt within a few months,” Noble says. “This is due to the large interest rates usually associated with them.”</p> <h3 class="wp-block-heading">Debt relief companies</h3> <p>A <a href="https://fortune.com/recommends/loans/best-debt-relief-companies/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/best-debt-relief-companies/">debt relief company</a> can negotiate debt on your behalf and come up with a plan to help you pay much less than before. They do this by paying a lump sum to your creditors based on money you accumulate in a separate savings account while they do the negotiating. During this time, you’re not paying those creditors, so your credit score will tank in the short term. If you take this route, it’s important to address your financial habits so you don’t find yourself in a similar position years down the road. </p> <h3 class="wp-block-heading">Credit repair companies</h3> <p>While a <a href="https://fortune.com/recommends/loans/best-credit-repair-companies/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/best-credit-repair-companies/">credit repair company</a> doesn’t lend money, it does help fix your credit by reporting inaccuracies on your credit report. In turn, this can help you qualify for less expensive funding options. </p> <h2 class="wp-block-heading"><strong>The long-term alternative to cash advance apps: Set up a sustainable budget</strong></h2> <p>Consistently using cash advance apps can get you stuck in an ever-widening gap between how much you’re spending and how much cash you actually have available. <a href="https://fortune.com/recommends/banking/how-to-create-a-budget/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/how-to-create-a-budget/">Creating a budget</a> that you can stick to long-term is a much better solution than relying on cash advance apps before every paycheck. While you may need to tighten your belt for a while, you’ll thank yourself in the long run. </p> <p>Try using a platform that syncs with your bank accounts so you can see your entire financial picture at a glance—the <a href="https://fortune.com/recommends/banking/best-budgeting-apps/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-budgeting-apps/">best budgeting apps</a> can help you manage your subscriptions and negotiate for lower bills, saving you even more.</p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tip</h3> <p>“Most budgeting platforms require a monthly fee, which can be a hard pill to swallow when you’re already in a cycle of requiring a cash advance on a regular basis. If you’re not ready for that level of commitment, start small: Keep a spreadsheet of inflows and outflows and start visualizing where your money goes each month. Sometimes just seeing things laid out in front of you can help raise some red flags so you can course-correct quickly, and establishing the habit of tracking expenses early will help you get the most out of your budgeting software once you’re ready to sign up.” – <em>Cassie Bottorff, Banking and Business Editor at Fortune Recommends</em></p></div></div> <h2 class="wp-block-heading" id="methodology">Methodology</h2> <p>We looked at more than 20 cash advance apps and determined the best cash advance apps available today based on these factors:</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="pies-title" id="datawrapper-chart-3imez" frameBorder="0" height="466" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/3imez/1/" style="border:none" title="Best cash advance apps: Our methodology" width="100%"></iframe></div></figure> <ul><li><strong><strong>Loan amount per pay period (25%): </strong> </strong>The most important factor to consider is how much money you can access through the app.</li> <li><strong>Speed to access funds without paying a fee (20%):</strong> The point of a cash advance app is to get money quickly. If it's not instant or same-day, we rated the app less highly.</li> <li><strong><strong>Maximum loan amount per day (15%):</strong></strong> Several apps have daily limits that differ from the limit you can access during a pay cycle—if you need money fast, a daily limit could impact how helpful the app will actually be.</li> <li><strong>Fast-funding fee (15%):</strong> Some apps require a fee if you want instant access to the cash. </li> <li><strong>App rating (15%):</strong> User experience is critical when trying to move quickly and get the funds you need. Apps that were rated highly scored higher in our rubric.</li> <li><strong>Monthly subscription fee (10%):</strong> If the app charges a subscription fee to use the service, we rated it less highly.</li></ul> <h2 class="wp-block-heading"><strong>The takeaway</strong> </h2> <p>Cash advance apps let you access a portion of your paycheck early and may be a good option on occasion. As Lokenauth explains, however, “These should not be used as a long-term financial solution.”</p> <p>Using cash advances often may indicate a deeper financial issue, so if you find yourself needing help regularly, consider working with a credit counselor or budgeting professional for help. Building up an emergency fund can also help you better handle a financial emergency should one arise.</p> <h2 class="wp-block-heading" id="faqs">Frequently asked questions</h2> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>What is the best pay advance app?</h3></summary><p>Our top-rated pay advance app is Varo, which allows users to repay advances 15–30 days later on a flexible schedule, splitting up the payments as needed. Initial advances can be up to $250 and with time, customers can increase that to $500. The app requires $800 in monthly direct deposits to a linked checking account to qualify.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>What is the easiest cash advance app to use?</h3></summary><p>Current is a simple app to use if you want a cash advance. It only requires a minimum payroll deposit of $500, whereas many competitors require much more. Additionally, you’re not required to have a Current bank account to get the money. Dave is also an easy-to-use app that takes minutes to set up and doesn’t charge interest or late fees.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>What app will let you borrow money instantly?</h3></summary><p>EarnIn, Dave, and Empower all have options to receive instant access to a cash advance. However, there typically is a small fee associated with this, often 1% to 5% of the transaction. Usually, you can save that fee if you’re willing to wait up to an hour for a normal deposit.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>What app gives the largest cash advance?</h3></summary><p>From our list, Payactiv offers up to $1,500. However, you’ll need your employer to participate in the app in order to qualify for an advance. It works to receive money you’ve “already earned” right after you’ve worked, instead of waiting for your paycheck.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>How do I borrow $100 instantly?</h3></summary><p>EarnIn, Dave, and Empower all have options to receive instant access to a $100 cash advance. The amount you’re able to advance depends on many factors, such as spending habits, employment history, and income stability.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>What app gives you money instantly without a job?</h3></summary><p>Empower offers flexible repayment, so you can pay back your cash advance when the funds are available to you. Plus, there are no late fees or interest.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>What app can I borrow $200 from?</h3></summary><p>All the apps on our list offer $200 or more, but note that this amount may not be available right away or it may take more than one loan to reach the desired amount. Most cash advance apps offer less than $200 for first-time borrowers.</p></details> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"> <h3 class="wp-block-heading pro-tip-box-heading">Read more</h3> <li>Our ranking of the <a href="https://fortune.com/recommends/banking/the-best-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-cd-rates/">best CD rates</a> can help you find term deposits to meet your goals.</li> <li>The <a href="https://fortune.com/recommends/banking/best-jumbo-cds/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-jumbo-cds/">best jumbo CD rates</a> can help you maximize your earnings on big deposits.</li> <li>Maximize your returns with one of the <a href="https://fortune.com/recommends/banking/best-high-yield-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-high-yield-savings-accounts/">best high-yield savings accounts</a>.</li> <li>Earn a better return on your balance with one of the <a href="https://fortune.com/recommends/banking/best-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-savings-accounts/">best savings accounts</a>.</li> <li>Whip your finances into shape with one of the <a href="https://fortune.com/recommends/banking/best-budgeting-apps/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-budgeting-apps/">best budgeting apps</a>.</li> </div></div></div><div class="sc-30bdb254-0 kxagCu evergreen" data-cy="subscriptionPlea">Follow Fortune Recommends on <a href="https://www.linkedin.com/showcase/fortunerecommends/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to 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She is a regular contributor to Forbes and maintains a popular lifestyle and travel blog.</span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/kathyhaan/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://x.com/iamkathyhaan" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our twitter profile"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="22" aria-hidden="true" viewBox="0 0 24 22" class="social-icon"><path d="M18.901 0.15332H22.581L14.541 9.34332L24 21.8463H16.594L10.794 14.2623L4.156 21.8463H0.474L9.074 12.0163L0 0.15432H7.594L12.837 7.08632L18.901 0.15332ZM17.61 19.6443H19.649L6.486 2.24032H4.298L17.61 19.6443Z"></path></svg></a></li></ul><a href="https://fortune.com/author/katherine-haan/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div><div class="sc-3be47025-11 fcFEKV author-bio"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Abigail Rueger</span></a><span class="sc-3be47025-2 eSlZzo">Deputy Editor, Banking</span></div></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Abigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/abigail-rueger-9a8941129/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li></ul><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></div><p class="disclosure" data-cy="editorial-disclosure">EDITORIAL DISCLOSURE<em>: The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends</em>™<em> <!-- -->editorial team. 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data-cy="article-card-date">November 26, 2024</span></div></div><div data-cy="article-card-wrapper" class="sc-c9c5992f-2 sc-c9c5992f-4 dOBzQA hCIDYx"><a href="https://fortune.com/recommends/banking/best-high-yield-savings-accounts/?itm_source=parsely-api" target="_self" class="sc-93594058-0 sNmfm card-image styled-custom-link " data-cy="article-image-link"><img alt="Best high-yield savings account rates: Updated daily" data-cy="article-card-image" loading="lazy" width="300" height="300" decoding="async" data-nimg="1" class="image-link" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=768&q=75 768w, 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We may earn affiliate revenue from links in this content."},"progressBar":true,"templateType":"landing_page"},"mostPopular":[{"authors":[{"name":"Katherine Haan","uri":"/author/katherine-haan","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/katherine-haan/"}],"contentType":null,"date":"2023-01-16T16:06:00","dateFormatted":"January 16, 2023","dateGMT":"2023-01-16T16:06:00","dateGMTFormatted":"January 16, 2023","dateUpdated":"2024-11-26T16:02:37","dateUpdatedFormatted":"November 26, 2024","dateUpdatedGMT":"2024-11-26T21:02:37","dateUpdatedGMTFormatted":"November 26, 2024","excerpt":"A cash advance app can provide a quick cash injection. 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Lock in a strong rate of return with these top options.","eyebrowSectionLabel":"Banking","eyebrowSectionLink":"/section/banking","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg"},"title":"The 10 best CD rates for April 2024: earn over 5%","titleLink":"https://fortune.com/recommends/banking/the-best-cd-rates/?itm_source=parsely-api"},{"authors":[{"name":"Abigail Rueger","uri":"/author/abigail-rueger","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/abigail-rueger/"}],"contentType":null,"date":"2024-04-26T12:53:55","dateFormatted":"April 26, 2024","dateGMT":"2024-04-26T12:53:55","dateGMTFormatted":"April 26, 2024","dateUpdated":"2024-11-26T08:32:40","dateUpdatedFormatted":"November 26, 2024","dateUpdatedGMT":"2024-11-26T13:32:40","dateUpdatedGMTFormatted":"November 26, 2024","excerpt":"The Fortune Recommends top picks for the best high-yield savings accounts offers customers the chance to earn over 5% APY. 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Inclusion","url":"https://fortune.com/workplace/diversity-inclusion"},{"__typename":"MenuItem","label":"Terms and Conditions","url":"/terms-of-use/"},{"__typename":"MenuItem","label":"Site Map","url":"/sitemap/"}],"name":"Footer About 1"}],"socialList":[{"type":"facebook","url":"https://www.facebook.com/FortuneMagazine/"},{"type":"twitter","url":"https://twitter.com/FortuneMagazine/"},{"type":"linkedin","url":"https://www.linkedin.com/company/fortune-magazine/"},{"type":"instagram","url":"https://www.instagram.com/fortunemag/"},{"type":"pinterest","url":"https://www.pinterest.com/fortunemagazine/"}]},"article":{"adTags":[{"adtagname":"cat_Debt Relief","description":null,"slug":"cat-debt-relief"},{"adtagname":"High Intent","description":null,"slug":"high-intent"},{"adtagname":"ptype_Roundup","description":null,"slug":"ptype-roundup"}],"audienceDek":"Understand the inner workings of cash advance apps, and see which one may fit your needs.","authorNames":["Katherine Haan"],"authors":[{"email":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=150","name":"Katherine Haan","sameAs":"","type":"Person","uri":"/author/katherine-haan/","url":"https://fortune.com/author/katherine-haan/","role":"Personal Finance Expert","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/kathyhaan/","twitterUrl":"https://x.com/iamkathyhaan","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eKatherine Haan\u003c/span\u003e\u003cspan style=\"font-weight: 400\"\u003e is a former\u003c/span\u003e\u003cspan style=\"font-weight: 400\"\u003e financial advisor turned small business coach. Katherine holds an MBA, and is a former staff writer for Fit Small Business. She is a regular contributor to Forbes and maintains a popular lifestyle and travel blog.\u003c/span\u003e\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"PERSONAL FINANCE","link":"https://fortune.com/recommends/personal-finance/"},{"label":"BANKING","link":"/recommends/banking/"},{"label":"10 BEST CASH ADVANCE APPS FOR NOVEMBER 2024","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Banking","content":"\u003cp\u003eA cash advance app can help you out if you’re in a pinch, such as for an unexpected car repair to pay for, or if you’ve got a time-sensitive opportunity that can’t wait until payday. Since there are so many to choose from, we looked at the loan amount, time to pay out, fast-funding fees, any other subscription fees, and the app rating to determine the best cash advance apps available today.\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cdetails class=\"wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhy trust Fortune Recommends\u003c/summary\u003e\n\u003cp\u003eOur editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our \u003ca href=\"https://fortune.com/fortune-recommends-editorial-guidelines/\"\u003eeditorial guidelines\u003c/a\u003e and the \u003ca href=\"https://fortune.com/fortune-recommends-banking-methodology/\"\u003ebanking methodology\u003c/a\u003e for the ratings below.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003c/h4\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eOver 15 apps compared\u003c/li\u003e\n\n\n\n\u003cli\u003eMore than 180 data points tracked\u003c/li\u003e\n\n\n\n\u003cli\u003e4 layers of fact-checking\u003c/li\u003e\n\n\n\n\u003cli\u003eWritten by a financial advisor with decades of experience\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"apps\"\u003eBest cash advance apps for November 2024\u003c/h2\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003eCompany\u003c/th\u003e\u003cth\u003eMaximum advance limit\u003c/th\u003e\u003cth\u003eTime to fund\u003cbr\u003e(without fees)\u003c/th\u003e\u003cth\u003eSee details\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cmark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\"\u003eFeatured partner\u003c/mark\u003e\u003cbr\u003e\u003cstrong\u003eBest for immediate paycheck access:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#earnin\"\u003eEarnIn\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$750\u003c/td\u003e\u003ctd\u003eMinutes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917\" data-type=\"link\" data-id=\"https://offers.evenfinancial.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat EarnIn\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for a paycheck advance:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#current\"\u003eCurrent\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$500\u003c/td\u003e\u003ctd\u003eInstant\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/tdedee674939?s1=3457917\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Current\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for flexible repayment:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#varo\"\u003eVaro\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$500\u003c/td\u003e\u003ctd\u003eImmediate\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=varo-cash\u0026amp;tag.subid=3457917\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for low-fee instant cash:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#chime\"\u003eChime\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$500\u003c/td\u003e\u003ctd\u003e24 hours\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/b9770b4b-b792-465c-93b0-f03bea18967c/b24e3855-20b4-485b-8d90-2972af2a1454?tag.subid=3457917\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Chime\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for peer-to-peer loans:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#solo-funds\"\u003eSoLo Funds\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$575\u003c/td\u003e\u003ctd\u003e Minutes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=solo_funds\u0026amp;tag.subid=3457917\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for rewarding financial literacy:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#vola\"\u003eVola\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$500\u003c/td\u003e\u003ctd\u003e5 business hours\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=vola\u0026amp;tag.subid=3457917\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e \u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for multiple transfer options:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#payactiv\"\u003ePayactiv\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$1,500\u003c/td\u003e\u003ctd\u003eImmediate\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=payactiv\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e \u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for earned wage access:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#dailypay\"\u003eDailyPay\u003c/a\u003e\u003c/td\u003e\u003ctd\u003eVaries\u003c/td\u003e\u003ctd\u003eInstant\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=dailypay\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e \u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for overdraft protection:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#albert\"\u003eAlbert\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$250\u003c/td\u003e\u003ctd\u003eInstant\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://r.financebuzz.com/aff_c?offer_id=17119\u0026amp;aff_id=1940\u0026amp;source=3457917\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e \u003cbr\u003eat Albert\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for automatic advances:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#brigit\"\u003eBrigit\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$250\u003c/td\u003e\u003ctd\u003e2-3 business days\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://r.financebuzz.com/aff_c?offer_id=16437\u0026amp;aff_id=1940\u0026amp;source=3457917\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Brigit\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eEarnIn: Best for immediate paycheck access\u003c/h2\u003e\n\n\n\n\u003cp\u003eEarnIn is a cash advance app available on both Apple and Android devices. It offers cash advances of up to $750 per pay period and operates on a tip-based platform. Users have the option to add tips on each transaction to support EarnIn’s services.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-banner\"\u003eFEATURED PARTNER\u003c/div\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"earnin\" class=\"card-title\"\u003eEarnIn\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003e$750\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003eMinutes\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_EarnIn-logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917\" target=\"_blank\" rel=\"nofollow noopener\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat EarnIn\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nEarnIn’s basic services have no fees, although the service’s automatic debits could result in overdraft fees if your pay dates aren’t correct in the system. EarnIn offers several added features, including Lightning Speed transfers, which enable payouts in minutes. The fee for Lightning Speed transfers ranges from $3.99 to $4.99 per transaction, although the first is free.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nEarnIn debits your account automatically for the cash advance once you’ve been paid by your employer. You can also pay EarnIn back manually via manual debit or money order.\r\n\r\nIt’s important to understand that EarnIn withdraws funds on your direct deposit date, which does not always coincide with your payday. Many institutions deposit your funds early, but depending on when your employer uploads payroll data, you could be paid later than you normally would. This inconsistency could cause EarnIn funds to withdraw before your paycheck hits your account.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917\" target=\"_blank\" rel=\"nofollow noopener\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat EarnIn\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like EarnIn as best for immediate paycheck access\u003c/h4\u003e\n\n\n\n\u003cp\u003eEarnIn has a feature where you can tip yourself between $1–$50 total per day, accumulating up to $2,000 across five tip jars. While it isn\u0026#8217;t interest-bearing, this can be used as a way to save money for specific expenses, such as a vacation or a rainy day.\u003c/p\u003e\n\n\n\n\u003cp\u003eEarnIn offers several added features, including Lightning Speed transfers, which enable payouts in minutes. There is also free credit score monitoring and a warning system called “Balance Shield” that alerts you when your funds are low.\u003c/p\u003e\n\n\n\n\u003cp\u003eWhen you take a cash advance from EarnIn, you can request up to $100 per day, or $750 per pay period. However, a member\u0026#8217;s first advance is $85 on average. Over time, the advance you\u0026#8217;re able to take can increase if you maintain a positive balance in your bank account and manage your spending. You won’t pay any interest, have any credit checks, or pay any fees to use it, either.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/earnin-review/\"\u003eEarnIn review\u003c/a\u003e\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eNo mandatory fees for standard transfers\u003c/li\u003e\n\u003cli\u003e24/7 customer support with a goal to respond in less than a minute to inquiries\u003c/li\u003e\n\u003cli\u003eYou can reschedule your repayment to your next pay period once every 60 days\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThe average amount users get at sign-up is only $85, as you increase this with a good EarnIn history\u003c/li\u003e\n\u003cli\u003eMight not work for those in untraditional work environments\u003c/li\u003e\n\u003cli\u003eMaximum allowed per day is $100\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eCurrent: Best for a paycheck advance\u003c/h2\u003e\n\n\n\n\u003cp\u003eWith 4 million members, Current\u0026#8217;s team of 200 employees helps customers save money, get their paychecks early, invest their income, and build credit with everyday purchases. It’s headquartered in New York City.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"current\" class=\"card-title\"\u003eCurrent\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003e$500\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003eInstant\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-Current-Logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/tdedee674939?s1=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Current\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nYou may choose to tip when you request a paycheck advance, although this is entirely optional. There is a fee for requesting instant access, although the rate varies by the amount of the advance.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nUnless you manually repay your advance early, the repayment is deducted from your next paycheck automatically.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/tdedee674939?s1=3457917\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Current\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like Current as best for a paycheck advance\u003c/h4\u003e\n\n\n\n\u003cp\u003eA paycheck advance through Current only requires a minimum payroll deposit of $500 while most apps require at least $800. Your advance can be deposited instantly for a fee. Otherwise, standard timing takes up to three business days.\u003c/p\u003e\n\n\n\n\u003cp\u003eThere is no credit check to access a cash advance with Current. However, to qualify, you must have an eligible direct deposit into the account you have with Current or set up an external bank account with a direct deposit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile Current charges no fees, other than if you want an instant deposit, it does give the option to leave a tip. You won’t be penalized in any way for not leaving a tip, although some may feel obligated to tip, so use your discretion. \u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/current-neobank-review/\"\u003eCurrent review\u003c/a\u003e\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eYou’re not required to have a Current bank account\u003c/li\u003e\n\u003cli\u003eYour limit can increase over time\u003c/li\u003e\n\u003cli\u003eNo credit checks\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eInstant deposits can take up to an hour\u003c/li\u003e\n\u003cli\u003eSome users complain of poor customer service\u003c/li\u003e\n\u003cli\u003eNot available in Connecticut, Maryland, or Nevada\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther offerings from Current\u003c/summary\u003e\n\u003cp\u003eCurrent is a fintech company and not a bank. However, it offers bank-like services, including:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eA bank account that helps you build your credit\u003c/li\u003e\n\n\n\n\u003cli\u003eCrypto trading\u003c/li\u003e\n\n\n\n\u003cli\u003eA savings account that pays up to 4.00% as an annual bonus\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eVaro: Best for flexible repayment\u003c/h2\u003e\n\n\n\n\u003cp\u003eWith more than 3 million customers, Varo is an online-only bank offering products like high-yield savings accounts, lines of credit, credit-building cards, standard bank accounts, and cash advances.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"varo\" class=\"card-title\"\u003eVaro\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003e$500\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003eImmediate\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Varo-Bank-logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=varo-cash\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nVaro charges no interest, nor do they ask for any tips. Instead, you pay a flat fee of 8% of the amount borrowed. For example, if you borrow the maximum of $500, you owe $40. Meanwhile, if you borrow $300, you only pay $24.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nYou have up to 30 days to repay your cash advance.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=varo-cash\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like Varo as best for flexible repayment\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhen getting a cash advance, most apps require you to repay your advance on your next payday. However, Varo lets you choose anywhere from 15 to 30 days from the date you receive your advance. Plus, you can split this amount into as many payments as needed, provided you pay it back within 30 days.\u003c/p\u003e\n\n\n\n\u003cp\u003eLike most cash advance apps, you won\u0026#8217;t be able to borrow the maximum amount during your first advance. Instead, you must work your way up to it. If you have larger direct deposits, other than the minimum of $800 to get an advance, you may qualify for higher advances right out of the gate. You\u0026#8217;ll also need to be a Varo customer, with a Varo Online Bank Account or Savings Account.\u003c/p\u003e\n\n\n\n\u003cp\u003eWhen users rely on short-term borrowing, they can sometimes get stuck in a cycle of debt that\u0026#8217;s not easy to get out of. But with Varo, its system evaluates your ability to take an advance daily. So, if you\u0026#8217;re having a difficult time paying back a Varo Advance or have a negative account balance, you won\u0026#8217;t be able to take out another one until you\u0026#8217;ve brought these into good standing. \u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e read our \u003ca href=\"https://fortune.com/recommends/banking/varo-bank-review/\"\u003eVaro review\u003c/a\u003e\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eRepay your advance anywhere from 15 to 30 days after funding\u003c/li\u003e\n\u003cli\u003eOnly requires $800 in combined direct deposits per month to qualify\u003c/li\u003e\n\u003cli\u003eCan split repayment into many payments as long as it’s paid in full within 30 days\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMust be a Varo banking customer\u003c/li\u003e\n\u003cli\u003eYour first advance is only up to $250\u003c/li\u003e\n\u003cli\u003eYou may only be able to borrow $20\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther offerings from Varo\u003c/summary\u003e\n\u003cp\u003eVaro helps its customers manage several areas of their finances, including banking, budgeting, and credit:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eOnline banking\u003c/li\u003e\n\n\n\n\u003cli\u003eHigh-yield savings account\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit builder card\u003c/li\u003e\n\n\n\n\u003cli\u003ePersonal line of credit\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eChime: Best for low-fee instant cash\u003c/h2\u003e\n\n\n\n\u003cp\u003eChime is a financial technology (fintech) company offering MyPay™, which allows customers to get an advance on their paychecks. In addition to MyPay™, it offers several other online banking products.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"chime\" class=\"card-title\"\u003eChime\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003eUp to $500^\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003eFree within 24 hours, Instantly for a $2 fee.*\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/chime-logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/b9770b4b-b792-465c-93b0-f03bea18967c/b24e3855-20b4-485b-8d90-2972af2a1454?tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Chime\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nWhen you receive your paycheck advance in 24 hours, there is no fee from Chime. However, if you opt for its instant deposit, you pay a $2 fee per advance. You won\u0026#8217;t pay any interest, and there are no credit checks.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nYour MyPay repayment is deducted automatically from your next direct deposit. From the app, you can view your repayment schedule and credit limit at any time.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/b9770b4b-b792-465c-93b0-f03bea18967c/b24e3855-20b4-485b-8d90-2972af2a1454?tag.subid=3457917\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Chime\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like Chime for best low-fee instant deposits\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhen you receive an advance on your paycheck from Chime, you won’t pay any fees to have your funds deposited within 24 hours. However, if you need quick access to your funds, you can request an instant deposit. Normally, apps charge a percentage of the advance as a fee, often around 1.75% to 2%.\u003c/p\u003e\n\n\n\n\u003cp\u003eWith Chime, you’re paying a flat fee of $2, no matter the amount of the advance. So, if you’re taking a larger advance, you’re still only paying $2. On other apps, you might pay a $5–$10 fee on an advance of a few hundred dollars.\u003c/p\u003e\n\n\n\n\u003cp\u003eUnlike other cash advance apps, you’re also not asked to provide a tip. Instead, Chime makes its money through interchange fees on its other products.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/chime-review/\"\u003eChime review\u003c/a\u003e\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eReceive your paycheck advance instantly for a $2 fee\u003c/li\u003e\n\u003cli\u003eRequires no credit check\u003c/li\u003e\n\u003cli\u003eNo optional tipping like other apps\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMost cash advances start at $50 to $100\u003c/li\u003e\n\u003cli\u003eNot available in every state\u003c/li\u003e\n\u003cli\u003eQualifications may be stricter than other apps since they\u0026#8217;re based on your credit score\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther offerings from Chime\u003c/summary\u003e\n\u003cp\u003eBesides its cash advance product, Chime offers a host of other options for its customers. These include:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eChime account: \u003c/strong\u003eThis is its online bank account. Chime doesn\u0026#8217;t use ChexSystems nor does it check your credit, making it ideal for those with less-than-stellar banking histories.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eHigh-yield savings: \u003c/strong\u003eReceive up to 2.00% APY on your money.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eChime Visa debit card\u003c/strong\u003e: With a debit card, you can access funds from more than 50,000 fee-free ATMs.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eSpotMe: \u003c/strong\u003eProvides up to $200 in fee-free overdraft protection.\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cp style=\"font-size:12px\"\u003e\u003cem\u003eChime is a financial technology company, not a bank. MyPay\u003csup\u003eTM\u003c/sup\u003e\u0026nbsp;line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (\u003ca href=\"https://www.chime.com/licenses/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eNMLS ID 2316451\u003c/a\u003e).\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cp style=\"font-size:12px\"\u003e\u003cem\u003e^To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 \u0026#8211; $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See\u0026nbsp;\u003ca href=\"https://www.chime.com/policies/bancorp/mypay/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eBancorp MyPay Agreement\u003c/a\u003e\u0026nbsp;or\u0026nbsp;\u003ca href=\"https://www.chime.com/policies/stride/mypay/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eStride MyPay Agreement\u003c/a\u003e\u0026nbsp;for details.\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cp style=\"font-size:12px\"\u003e\u003cem\u003e*Free transfers within 24 hours or $2 fee applies to get funds instantly.\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eSoLo Funds: Best for peer-to-peer (P2P) cash advances\u003c/h2\u003e\n\n\n\n\u003cp\u003eSoLo Funds is the first Black-owned fintech company, founded by Travis Holoway and Rodney Williams. It offers P2P lending via an app with more than 1 million users, 82% of whom come from underserved ZIP codes. This equates to 600,000 loans made with a transaction volume of more than $300 million.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"solo-funds\" class=\"card-title\"\u003eSoLo Funds\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003e$575\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003eMinutes\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-SoLo-Funds-logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=solo_funds\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nMembers can tip and make a donation when repaying, although both are optional. It\u0026#8217;s important to understand that lenders can see if they will receive a tip from a consumer, and in December 2022, only 0.5% of loans received funding when consumers elected not to tip.\r\n\r\nA late fee of 10% occurs on the 35th day after advance origination. There are also fees assessed to the lending member and the borrower if a loan is sent to collection, which occurs on the 90th day.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nLoans must be repaid within 34 days, although you can elect to have a shorter repayment period.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=solo_funds\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like Solo Funds as best for peer-to-peer loans\u003c/h4\u003e\n\n\n\n\u003cp\u003eSoLo Funds offers flexible loan terms and allows you to state what the funds will be used for, which could potentially entice the lender to choose your advance to fund. These cash advances are community-based rather than provided directly by the platform. When you request an advance, lenders can see your SoLo Funds score, letting them know how risky it is to lend to you, and they can also see if you\u0026#8217;re providing them with a tip. Meanwhile, this also means lenders are far less likely to lend to you if you do not tip. The maximum tip you can give is 15%.\u003c/p\u003e\n\n\n\n\u003cp\u003eSolo Funds advertises that your money will arrive in your account usually in less than 20 minutes. However, it\u0026#8217;s important to understand that recent changes in its fee structure makes it less advantageous for lenders to lend money. This means your advance request may never be funded. \u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eFlexible repayment terms\u003c/li\u003e\n\u003cli\u003eCommunity-based support\u003c/li\u003e\n\u003cli\u003eNot giving a tip will have no impact on future loan requests\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eYour loan request may never get funded before it expires\u003c/li\u003e\n\u003cli\u003eThere are currently several known bugs leading to frustrating customer service experiences\u003c/li\u003e\n\u003cli\u003eRecent changes have made it less attractive for lenders to lend, making funding harder to obtain\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther offerings from SoLo Funds\u003c/summary\u003e\n\u003cp\u003eWhile SoLo Funds isn’t a bank like many on this list, it is a fintech company with bank-like products. This includes SoLo Wallet, which is banking with debit cards, no overdraft fees and, eventually, it plans to add life insurance and interest to these accounts too.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eVola: Best for rewarding financial literacy\u003c/h2\u003e\n\n\n\n\u003cp\u003eVola is a subscription service with more than 300,000 clients. Since its inception, it has helped its customers save more than $15 million in bank fees.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"vola\" class=\"card-title\"\u003eVola\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003e$500\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003e5 business hours\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003ePremium plans start at $1.99\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Vola-logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=vola\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nThere is no fee to receive an advance—these are available under Vola’s free subscription tier. Premium subscription plans start at $1.99 per month and include coupons and discounts.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nYour repayment will be deducted automatically from your linked debit card or bank account on your payday or whichever date you previously selected when you took the advance.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=vola\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\" id=\"vola\"\u003eWhy we like Vola as best for rewarding financial literacy\u003c/h4\u003e\n\n\n\n\u003cp\u003eRelying on cash advances can impact your financial situation negatively over time. That’s why we like Vola—it rewards you actively for increasing your financial literacy and limits the number of advances you can take.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBy linking your bank accounts, you can see your balances and spending at a glance, and it will send you alerts when your balance is low. This way, you can request an advance to help cover you so you won\u0026#8217;t have to pay any nonsufficient funds (NSF) or overdraft fees by your banking institution.\u003c/p\u003e\n\n\n\n\u003cp\u003eTo keep users from getting into a cycle of debt by becoming reliant on its service, Vola has a low minimum advance amount of $500 and limits the frequency of cash advances to two advances in a 30-day period. Unlike most cash advance apps, you can report eligible payments to credit bureaus to help build your credit score.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eIncrease the amount you can advance by reading financial literacy articles\u003c/li\u003e\n\u003cli\u003eNo fees\u003c/li\u003e\n\u003cli\u003eReferral reward for referring your friends to Vola\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThere are limits to how often you can take a Vola cash advance each year\u003c/li\u003e\n\u003cli\u003eBecause it uses Plaid, not all customers will qualify\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch2 class=\"wp-block-heading\"\u003ePayactiv: Best for multiple transfer options\u003c/h2\u003e\n\n\n\n\u003cp\u003eHeadquartered in Milpitas, California, Payactiv got its start in 2012. It works with more than 1,500 businesses and has helped over 2 million users access more than $5 billion in wages.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"payactiv\" class=\"card-title\"\u003ePayactiv\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003e$1,500\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003eImmediate\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Payactiv-logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=payactiv\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nThe only fee you\u0026#8217;ll pay for accessing your paycheck early is if you want instant deposits. These fees range from $2.49 to $3.49, although this is waived if you have a direct deposit of more than $200 per pay period.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nYour Payactiv repayment will show as a deduction on your next paycheck.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=payactiv\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like Payactiv as best for multiple transfer options\u003c/h4\u003e\n\n\n\n\u003cp\u003eSometimes, making ends meet before your next paycheck is due to arrive is made difficult by emergencies. With Payactiv, you can access the money you’ve already earned before your next paycheck. This requires employer participation but is a great feature to have if it’s available to you.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThis is called Earned Wage Access (EWA), and we like that so many big employers take part, such as Amazon, Uber, AMC, Walmart, and Visa. It gives employees more control over money they\u0026#8217;ve already earned.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eReceiving an EWA disbursement has no fees if you receive it via ACH. However, there are fees to have the money deposited to a non-Payactiv card or to claim your money at a Walmart Cash Pickup. Repayment will show as a deduction on your next paycheck.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMultiple transfer options\u003c/li\u003e\n\u003cli\u003eHelps avoid overdraft and late fees\u003c/li\u003e\n\u003cli\u003eCan use earnings for ride-sharing services, discounts on gas, and shopping online, in addition to bills\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDependant on employer participation\u003c/li\u003e\n\u003cli\u003eLimited to employer\u0026#8217;s settings for accessible balance\u003c/li\u003e\n\u003cli\u003eMaximum available is $750 unless you use the Payactiv Visa Card for your direct deposit\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther offerings from Payactiv\u003c/summary\u003e\n\u003cp\u003eAs a fintech company, Payactiv offers its customers a variety of smart financial resources and products, including:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003ePayactiv Visa card\u003c/li\u003e\n\n\n\n\u003cli\u003eBill pay\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003eGoal-based savings\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003eFinancial coaching\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003ePay a friend\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eDailyPay: Best for earned wage access\u003c/h2\u003e\n\n\n\n\u003cp\u003eFounded in 2015, DailyPay gives employees access to money already earned. It raised $5 million in Series A funding, $9 million in Series B funding, and $500 million in Series D funding.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"dailypay\" class=\"card-title\"\u003eDailyPay\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003eVaries\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003eInstant\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/DailyPay.Wordmark.RGB_.Orange.jpg\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=dailypay\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nFees are set by your employer\u0026#8217;s contract. However, there is no fee to receive a next-business-day transfer.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nYour DailyPay repayment will show as a deduction on your next paycheck.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=dailypay\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like DailyPay as best for getting the money you\u0026#8217;ve already earned\u003c/h4\u003e\n\n\n\n\u003cp\u003eDailyPay is another type of EWA, where you’re receiving money you’ve already earned, rather than waiting until payday to access your money. This is helpful if you need immediate access to funds for unexpected expenses or want to avoid relying on credit or loans between paychecks. For those who are paid less frequently, such as monthly, this can be a great relief.\u003c/p\u003e\n\n\n\n\u003cp\u003eWith DailyPay, you can transfer up to $1,000 per day in as many as five total transfers. The amount you can transfer varies by what’s accumulated in your \u0026#8220;Available now\u0026#8221; section of the app and depends on the hours you\u0026#8217;ve clocked for your shift. However, you can withdraw 100% of what’s available in that section, so if you have $500 available, you can withdraw $500.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAccording to DailyPay, 81% of employees who use its service stopped using payday loans altogether, and 15% reduced their use. The use of payday loans can bury employees in a cycle of debt that’s incredibly difficult to dig out of, so the ability to access earned wages through DailyPay can help break that cycle by providing a safer and more manageable alternative for covering short-term financial needs.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/dailypay-review/\"\u003eDailyPay review\u003c/a\u003e\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eCan transfer up to $1,000 per day\u003c/li\u003e\n\u003cli\u003eSupports tips, rewards, and hourly pay\u003c/li\u003e\n\u003cli\u003eYou can set your own withdrawal limits to encourage better financial management\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDependable on employer participation\u003c/li\u003e\n\u003cli\u003eOnly available to employers with more than 500 employees\u003c/li\u003e\n\u003cli\u003eNot all banks or credit unions are supported, such as small credit unions, American Express cards, and Discover cards\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther offerings from DailyPay\u003c/summary\u003e\n\u003cp\u003eDailyPay is a fintech company offering the following products for employees:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eDailyPay Visa Prepaid card\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit Health, where you can track and monitor your credit score\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eAlbert: Best for overdraft protection\u003c/h2\u003e\n\n\n\n\u003cp\u003eCollege roommates Yinon Ravid and Andrzej Baraniak founded Albert in 2019 and aim to help customers have financial stability. Its members have saved and invested over $1 billion.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"albert\" class=\"card-title\"\u003eAlbert\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003e$250\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003eInstant\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003e$9.99 to $14.99 per month\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Albert-logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://r.financebuzz.com/aff_c?offer_id=17119\u0026amp;aff_id=1940\u0026amp;source=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Albert\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nYour Albert subscription costs $9.99 per month, although you\u0026#8217;ll need its Genius subscription at $14.99 per month to access automatic overdraft protection.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nYou have a six-day grace period to repay your overdraft protection.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://r.financebuzz.com/aff_c?offer_id=17119\u0026amp;aff_id=1940\u0026amp;source=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Albert\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like Albert as best for overdraft protection\u003c/h4\u003e\n\n\n\n\u003cp\u003eAlbert Instant will cover overdrafts that occur due to withdrawals at an ATM, debit card purchases, and electronic transfers, such as an ACH. You have six days to cover your overdraft; otherwise, it may suspend overdraft privileges.\u003c/p\u003e\n\n\n\n\u003cp\u003eIn addition to its overdraft protection, users can earn up to 20% cash back on everyday spending like groceries and gas. You\u0026#8217;ll receive your paycheck up to two days early, have access to more than 55,000 ATMs fee-free, and monitor your identity 24/7 for suspicious activity.\u003c/p\u003e\n\n\n\n\u003cp\u003eIt offers a 30-day free trial before you\u0026#8217;re charged for its app, so you can test drive it to see if Albert will work for you. Although Albert isn\u0026#8217;t a bank, users still receive Federal Deposit Insurance Corp. (FDIC) insurance through Sutton Bank. \u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eRequires no credit check\u003c/li\u003e\n\u003cli\u003eNo fees other than your subscription, unless paying for Fast Transfer\u003c/li\u003e\n\u003cli\u003e30-day free trial\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThe average approved advance is just $95\u003c/li\u003e\n\u003cli\u003eMust have a Genius subscription for an instant overdraft advance\u003c/li\u003e\n\u003cli\u003eIt’s less an advance and more like standard overdraft protection\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther offerings from Albert\u003c/summary\u003e\n\u003cp\u003eWhile Albert isn’t a bank like most cash advance apps, it’s backed by a bank and provides several financial tools to help its customers spend, save, and invest wisely. These additional tools include the following:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eAccess to finance experts through Genius, who can even analyze your spending and income to see if you can afford to save or invest more every week\u003c/li\u003e\n\n\n\n\u003cli\u003eBanking with a Cash account\u003c/li\u003e\n\n\n\n\u003cli\u003eAutomate your savings based on your income, bills, and spending\u003c/li\u003e\n\n\n\n\u003cli\u003eInvest as little as $1\u003c/li\u003e\n\n\n\n\u003cli\u003eBudgeting tools that track your bills and spending\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit monitoring\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eBrigit: Best for automatic advances\u003c/h2\u003e\n\n\n\n\u003cp\u003eBrigit has 4 million users with an average App Store rating of 4.8 stars from 328,000 reviews. It\u0026#8217;s also available on the Google Play store and has 4.7 stars from 220,000 reviews.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"brigit\" class=\"card-title\"\u003eBrigit\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003e$250\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003e2-3 business days; 20 minutes with a small fee\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003e$8.99–$14.99\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/11/brigit-logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://r.financebuzz.com/aff_c?offer_id=16437\u0026amp;aff_id=1940\u0026amp;source=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Brigit\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nInstant Cash is free, but it offers a subscription membership with additional features for $8.99 or $14.99, depending on the features you want.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nYour repayment date is set by your pay date, although you can use an extension to select a preferred date instead. You can also pay it early by selecting \u0026#8220;make a payment.\u0026#8221; All repayments occur using the bank account established during setup.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://r.financebuzz.com/aff_c?offer_id=16437\u0026amp;aff_id=1940\u0026amp;source=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Brigit\u003c/p\u003e\r\n\u0026nbsp;\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like it\u003c/h4\u003e\n\n\n\n\u003cp\u003eBrigit offers two ways to get a cash advance: Standard delivery gets you cash within 2-3 business days, while you can get your money in 20 minutes with Express Delivery for a small fee. Note that a monthly subscription is required to be eligible for Instant Cash—$8.99 for a Plus account and $14.99 for Premium. Premium accounts get free express delivery as well as access to a credit builder tool.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eOne of the biggest perks of using Brigit is its Automatic Advances feature, which will monitor your account, and if it sees you’re about to overdraft, it’ll issue an advance. You can still request an advance even if you have this feature turned on as an added safeguard for your account. Keep in mind that you can still only have one advance at a time, including the Automatic Advance.\u003c/p\u003e\n\n\n\n\u003cp\u003eTo qualify for Brigit Instant Cash you must have at least three recurring deposits from the same employer or deposit source.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eNo late fees\u003c/li\u003e\n\u003cli\u003eCan bank up to three repayment extensions\u003c/li\u003e\n\u003cli\u003eAutomatic Advances will advance you Instant Cash if you\u0026#8217;re at risk of an overdraft\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eIts advance limit is relatively low compared to the competition\u003c/li\u003e\n\u003cli\u003eATM deposits, paper checks, cash transfers, or irregular pay periods don’t qualify\u003c/li\u003e\n\u003cli\u003eYou cannot increase your advance amount\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther offerings from Brigit\u003c/summary\u003e\n\u003cp\u003eBrigit also offers tools like credit monitoring, identity theft protection, and a finance helper:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eCredit builder tool\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit monitoring and reporting\u003c/li\u003e\n\n\n\n\u003cli\u003eIdentity theft protection of up to $1 million\u003c/li\u003e\n\n\n\n\u003cli\u003eExclusive offers to earn and save\u003c/li\u003e\n\n\n\n\u003cli\u003eFinance Helper with spending breakdowns and bill forecasts\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cdiv class=\"myFinance-widget\" data-ad-id=\"5c6ba399-d32f-4e30-9722-8373c50873c3\" data-campaign=\"fortune-savings-multi\" data-sub-id=\"sav-multi-bank\"\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"definition\"\u003e\u003cstrong\u003eWhat is a cash advance app?\u003c/strong\u003e\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eCash advance apps are tools that can bridge the financial gap between paychecks. You connect your bank account, upload employment and earnings info, and then you can transfer a portion of your upcoming earnings right into your bank account or on a designated debit card. Then, repay that advance during your next payday.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u0026#8220;Know what your paycheck amount will be before taking an advance, because the repayment amount is meant to come out of your next paycheck. Keep track of the difference, so you have a realistic idea of how much you’ll have on hand once you’re paid. Ideally, you can repay an advance with a single paycheck so you don’t carry debt from paycheck to paycheck.\u0026#8221; \u003cem\u003e\u0026#8211; Dana Miranda, CEPF® and personal finance journalist\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003cp\u003eThey can also be helpful for consumers facing potential penalties when their checking account funds are low.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e“You can pay bills on time, and you can avoid \u003ca href=\"https://fortune.com/recommends/article/common-bank-fees-and-how-to-avoid-them/\"\u003eoverdraft fees\u003c/a\u003e,” says Ram Palaniappan, CEO of EarnIn, one of the cash advance apps outlined above. “That’s money that stays in your pockets.”\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"advance-vs-loan\"\u003eCash advance app vs. payday lender\u003c/h3\u003e\n\n\n\n\u003cp\u003eTypically, a cash advance is more flexible and convenient—ideal for short-term needs. A payday loan is often much less flexible and has higher risk than a cash advance. Here are some other key differences.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003e\u003c/th\u003e\u003cth\u003e\u003cstrong\u003eCash advance app\u003c/strong\u003e\u003c/th\u003e\u003cth\u003e\u003cstrong\u003ePayday lender\u003c/strong\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eFees and interest\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eOften has no interest; may have small service fees or optional tips\u003c/td\u003e\u003ctd\u003eTypically charges high interest rates and fees\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eRepayment terms\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eTied to the timing of your next paycheck or another agreed date; often flexible\u003c/td\u003e\u003ctd\u003eMust be repaid by the next payday; can be inflexible and lead to a cycle of debt if extended\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eLoan amounts\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eUsually small amounts, ranging from $100 to a few hundred dollars, though your first advance is often much smaller\u003c/td\u003e\u003ctd\u003eCan range from $100 to $1,000 or more\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAccess and convenience\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eUsually accessed through a mobile app; quick and easy process\u003c/td\u003e\u003ctd\u003eCan be accessed online or in-store; may have a more complex application process\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eCredit check\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eDoesn’t typically involve a credit check\u003c/td\u003e\u003ctd\u003eMay not require a credit check but can sometimes involve one\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eFinancial management tools\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eOften include budgeting tools, financial insights, and savings features\u003c/td\u003e\u003ctd\u003eRarely offer financial management tools; the focus is on the loan itself\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\u003cp\u003e\u003cstyle\u003e.table-container table, .table-container td, .table-container th {border: 1px solid #111111;}.table-container table {max-width: 600px;margin: auto;width: 100%;margin-bottom: 24px;font-family: 'Graphik Condensed', Arial Narrow, Helvetica neue Condensed, sans-serif;border-collapse: collapse;}.table-container table th {padding: 16px;background-color: #00CD98;font-size: 24px;font-weight: 600;line-height: 28.8px;}.table-container table tbody tr {background-color: #FFFFFF;}.table-container table tbody tr:first-child td {font-size: 16px;font-weight: 600;line-height: 19.2px;padding: 8px 16px;}.table-container table tbody tr td {padding: 16px;}.table-container table tbody tr td a {color: #007B9D;text-decoration: none;}.table-container table tbody tr td a:hover {color: #666666;}.table-container tr:first-of-type {background-color: #33CC99 !important;}\u003c/style\u003e\n\u003c/p\u003e\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"pros-and-cons\"\u003e\u003cstrong\u003ePros and cons of cash advance apps\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eCash advance apps are a popular means for getting quick access to funds before payday. Here are some things to consider before taking one.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eQuick access to funds, often within minutes\u003c/li\u003e\n\u003cli\u003eUsually has no interest and few, if any, fees\u003c/li\u003e\n\u003cli\u003eOften provides other tools and services, such as budget help\u003c/li\u003e\n\u003cli\u003eYou can usually move a repayment date if it’s a once-in-a-while thing\u003c/li\u003e\n\u003cli\u003eNo credit checks\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eCompared to other options, the amount you can have advanced is low\u003c/li\u003e\n\u003cli\u003eCan get trapped in a cycle of debt if you make a habit of receiving advances\u003c/li\u003e\n\u003cli\u003eRelying on cash advances focuses on short-term relief without addressing long-term financial planning and saving\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"safety\"\u003e\u003cstrong\u003eAre cash advance apps safe?\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eUsually, a cash advance app offers advanced encryption and security measures so that your data is protected. Additionally, some face regulations from financial authorities, depending on whether they\u0026#8217;re banks or fintech companies.\u003c/p\u003e\n\n\n\n\u003cp\u003eAnother essential aspect to consider is whether taking a cash advance will further any financial hardship you face. While cash advances are less risky than other methods, such as a payday loan, they aren\u0026#8217;t suited for more significant financial issues that require long-term solutions.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u0026#8220;Cash advance apps are far less predatory than payday lenders or even credit card companies, because they tend to set relatively low borrowing limits and don’t charge interest. They also might have safeguards built in that keep you from borrowing again until you’ve paid off an advance. But regularly relying on them between paychecks could still create a domino effect where you consistently owe money as soon as you’re paid and can never get ahead.\u0026#8221; \u0026#8211; \u003cem\u003eDana Miranda, CEPF® and personal finance journalist\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"right-for-me\"\u003e\u003cstrong\u003eIs a cash advance app right for me?\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eDetermining whether a cash advance is right for you requires some self-reflection on your financial habits. If you take out a cash advance from multiple apps each pay period, this can signal some serious financial habits that can hinder you in the long run. The last thing you want is to end up with no wiggle room in your budget because you’ve had to repay all these advances, and you still have two weeks until payday hits again.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eConsider these questions before you take a payday advance:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eHow quickly do you need funds, or can it wait until your next paycheck?\u003c/li\u003e\n\n\n\n\u003cli\u003eCan you afford to repay the advance without it creating a domino effect with the rest of your budget?\u003c/li\u003e\n\n\n\n\u003cli\u003eHave you considered an alternative option, such as cutting back expenses or selling something on Facebook Marketplace or another site?\u003c/li\u003e\n\n\n\n\u003cli\u003eDo you understand the fees you might be charged?\u003c/li\u003e\n\n\n\n\u003cli\u003eHow often do you face cash shortfalls?\u003c/li\u003e\n\n\n\n\u003cli\u003eCan you avoid dependency?\u003c/li\u003e\n\n\n\n\u003cli\u003eWhat is your financial health like?\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003eDo you have a plan to cover essential expenses after repaying the advance?\u003c/li\u003e\n\n\n\n\u003cli\u003eAre you relying on advances regularly or is this a one-time need?\u003c/li\u003e\n\n\n\n\u003cli\u003eWould a small emergency fund provide a better solution for unexpected expenses?\u003c/li\u003e\n\n\n\n\u003cli\u003eHave you calculated the total cost of the advance, including any fees or tips, compared to other options?\u003c/li\u003e\n\n\n\n\u003cli\u003eIs your current income stable enough to ensure you can repay the advance on time?\u003c/li\u003e\n\n\n\n\u003cli\u003eCould accessing credit counseling services help improve your financial habits and reduce the need for advances?\u003c/li\u003e\n\n\n\n\u003cli\u003eIs your current job enough to cover your expenses, or should you consider increasing your income?\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"alternatives\"\u003e\u003cstrong\u003eAlternatives to cash advance apps\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eCash advance apps aren’t the only choice if you need cash before payday. Here’s a look at some of your other options.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eBuy now, pay later (BNPL) apps\u003c/h3\u003e\n\n\n\n\u003cp\u003eA \u003ca href=\"https://fortune.com/recommends/loans/best-buy-now-pay-later-apps/\"\u003eBNPL app\u003c/a\u003e is an attractive option if you have a large purchase to pay for but you don’t want it all to be taken out at once. However, if you get stuck in the cycle of using these to shop, rather than paying for the things you need, you can find yourself in an even worse position than where you started.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003ePersonal loans or credit cards\u003c/h3\u003e\n\n\n\n\u003cp\u003eA \u003ca href=\"https://fortune.com/recommends/loans/best-personal-loans/\"\u003epersonal loan\u003c/a\u003e can usually help fund larger purchases, though you’ll be charged interest on this. Additionally, a credit card can help you out in a pinch with a \u003ca href=\"https://fortune.com/recommends/credit-cards/can-you-get-cash-back-with-a-credit-card/\"\u003ecash advance\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cp\u003e“Someone would use a credit card if they could pay back that debt within a few months,” Noble says. “This is due to the large interest rates usually associated with them.”\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eDebt relief companies\u003c/h3\u003e\n\n\n\n\u003cp\u003eA \u003ca href=\"https://fortune.com/recommends/loans/best-debt-relief-companies/\"\u003edebt relief company\u003c/a\u003e can negotiate debt on your behalf and come up with a plan to help you pay much less than before. They do this by paying a lump sum to your creditors based on money you accumulate in a separate savings account while they do the negotiating. During this time, you’re not paying those creditors, so your credit score will tank in the short term. If you take this route, it’s important to address your financial habits so you don’t find yourself in a similar position years down the road.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eCredit repair companies\u003c/h3\u003e\n\n\n\n\u003cp\u003eWhile a \u003ca href=\"https://fortune.com/recommends/loans/best-credit-repair-companies/\"\u003ecredit repair company\u003c/a\u003e doesn’t lend money, it does help fix your credit by reporting inaccuracies on your credit report. In turn, this can help you qualify for less expensive funding options.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe long-term alternative to cash advance apps: Set up a sustainable budget\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eConsistently using cash advance apps can get you stuck in an ever-widening gap between how much you’re spending and how much cash you actually have available. \u003ca href=\"https://fortune.com/recommends/banking/how-to-create-a-budget/\"\u003eCreating a budget\u003c/a\u003e that you can stick to long-term is a much better solution than relying on cash advance apps before every paycheck. While you may need to tighten your belt for a while, you’ll thank yourself in the long run.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eTry using a platform that syncs with your bank accounts so you can see your entire financial picture at a glance—the \u003ca href=\"https://fortune.com/recommends/banking/best-budgeting-apps/\"\u003ebest budgeting apps\u003c/a\u003e can help you manage your subscriptions and negotiate for lower bills, saving you even more.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u0026#8220;Most budgeting platforms require a monthly fee, which can be a hard pill to swallow when you’re already in a cycle of requiring a cash advance on a regular basis. If you’re not ready for that level of commitment, start small: Keep a spreadsheet of inflows and outflows and start visualizing where your money goes each month. Sometimes just seeing things laid out in front of you can help raise some red flags so you can course-correct quickly, and establishing the habit of tracking expenses early will help you get the most out of your budgeting software once you’re ready to sign up.\u0026#8221; \u0026#8211; \u003cem\u003eCassie Bottorff, Banking and Business Editor at Fortune Recommends\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"methodology\"\u003eMethodology\u003c/h2\u003e\n\n\n\n\u003cp\u003eWe looked at more than 20 cash advance apps and determined the best cash advance apps available today based on these factors:\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best cash advance apps: Our methodology\" aria-label=\"pies-title\" id=\"datawrapper-chart-3imez\" src=\"https://datawrapper.dwcdn.net/3imez/1/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"466\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003e\u003cstrong\u003eLoan amount per pay period (25%): \u003c/strong\u003e\u0026nbsp;\u003c/strong\u003eThe most important factor to consider is how much money you can access through the app.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eSpeed to access funds without paying a fee (20%):\u003c/strong\u003e The point of a cash advance app is to get money quickly. If it's not instant or same-day, we rated the app less highly.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003cstrong\u003eMaximum loan amount per day (15%):\u003c/strong\u003e\u003c/strong\u003e Several apps have daily limits that differ from the limit you can access during a pay cycle—if you need money fast, a daily limit could impact how helpful the app will actually be.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eFast-funding fee (15%):\u003c/strong\u003e Some apps require a fee if you want instant access to the cash. \u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eApp rating (15%):\u003c/strong\u003e User experience is critical when trying to move quickly and get the funds you need. Apps that were rated highly scored higher in our rubric.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMonthly subscription fee (10%):\u003c/strong\u003e If the app charges a subscription fee to use the service, we rated it less highly.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe takeaway\u003c/strong\u003e\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eCash advance apps let you access a portion of your paycheck early and may be a good option on occasion. As Lokenauth explains, however, “These should not be used as a long-term financial solution.”\u003c/p\u003e\n\n\n\n\u003cp\u003eUsing cash advances often may indicate a deeper financial issue, so if you find yourself needing help regularly, consider working with a credit counselor or budgeting professional for help. Building up an emergency fund can also help you better handle a financial emergency should one arise.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"faqs\"\u003eFrequently asked questions\u003c/h2\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat is the best pay advance app?\u003c/summary\u003e\n\u003cp\u003eOur top-rated pay advance app is Varo, which allows users to repay advances 15–30 days later on a flexible schedule, splitting up the payments as needed. Initial advances can be up to $250 and with time, customers can increase that to $500. The app requires $800 in monthly direct deposits to a linked checking account to qualify.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat is the easiest cash advance app to use?\u003c/summary\u003e\n\u003cp\u003eCurrent is a simple app to use if you want a cash advance. It only requires a minimum payroll deposit of $500, whereas many competitors require much more. Additionally, you’re not required to have a Current bank account to get the money. Dave is also an easy-to-use app that takes minutes to set up and doesn’t charge interest or late fees.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat app will let you borrow money instantly?\u003c/summary\u003e\n\u003cp\u003eEarnIn, Dave, and Empower all have options to receive instant access to a cash advance. However, there typically is a small fee associated with this, often 1% to 5% of the transaction. Usually, you can save that fee if you’re willing to wait up to an hour for a normal deposit.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat app gives the largest cash advance?\u003c/summary\u003e\n\u003cp\u003eFrom our list, Payactiv offers up to $1,500. However, you’ll need your employer to participate in the app in order to qualify for an advance. It works to receive money you’ve “already earned” right after you’ve worked, instead of waiting for your paycheck.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow do I borrow $100 instantly?\u003c/summary\u003e\n\u003cp\u003eEarnIn, Dave, and Empower all have options to receive instant access to a $100 cash advance. The amount you’re able to advance depends on many factors, such as spending habits, employment history, and income stability.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat app gives you money instantly without a job?\u003c/summary\u003e\n\u003cp\u003eEmpower offers flexible repayment, so you can pay back your cash advance when the funds are available to you. Plus, there are no late fees or interest.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat app can I borrow $200 from?\u003c/summary\u003e\n\u003cp\u003eAll the apps on our list offer $200 or more, but note that this amount may not be available right away or it may take more than one loan to reach the desired amount. Most cash advance apps offer less than $200 for first-time borrowers.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\r\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\r\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eRead more\u003c/h3\u003e\r\n\r\n\r\n\r\n\u003cli\u003eOur ranking of the \u003ca href=\"https://fortune.com/recommends/banking/the-best-cd-rates/\"\u003ebest CD rates\u003c/a\u003e can help you find term deposits to meet your goals.\u003c/li\u003e\r\n\u003cli\u003eThe \u003ca href=\"https://fortune.com/recommends/banking/best-jumbo-cds/\"\u003ebest jumbo CD rates\u003c/a\u003e can help you maximize your earnings on big deposits.\u003c/li\u003e\r\n\u003cli\u003eMaximize your returns with one of the \u003ca href=\"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/\"\u003ebest high-yield savings accounts\u003c/a\u003e.\u003c/li\u003e\r\n\u003cli\u003eEarn a better return on your balance with one of the \u003ca href=\"https://fortune.com/recommends/banking/best-savings-accounts/\"\u003ebest savings accounts\u003c/a\u003e.\u003c/li\u003e\r\n\u003cli\u003eWhip your finances into shape with one of the \u003ca href=\"https://fortune.com/recommends/banking/best-budgeting-apps/\"\u003ebest budgeting apps\u003c/a\u003e.\u003c/li\u003e\r\n\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e","databaseId":3457917,"dateGmt":"2023-01-16T16:06:00","dek":"","description":"Understand the inner workings of cash advance apps, and see which one may fit your needs.","faq":[{"answer":"Our top-rated pay advance app is Varo, which allows users to repay advances 15–30 days later on a flexible schedule, splitting up the payments as needed. Initial advances can be up to $250 and with time, customers can increase that to $500. The app requires $800 in monthly direct deposits to a linked checking account to qualify.","question":"What is the best pay advance app?","__typename":"FaqField"},{"answer":"Current is a simple app to use if you want a cash advance. It only requires a minimum payroll deposit of $500, whereas many competitors require much more. Additionally, you’re not required to have a Current bank account to get the money. Dave is also an easy-to-use app that takes minutes to set up and doesn’t charge interest or late fees.","question":"What is the easiest cash advance app to use?","__typename":"FaqField"},{"answer":"EarnIn, Dave, and Empower all have options to receive instant access to a cash advance. However, there typically is a small fee associated with this, often 1% to 5% of the transaction. Usually, you can save that fee if you’re willing to wait up to an hour for a normal deposit.","question":"What app will let you borrow money instantly?","__typename":"FaqField"},{"answer":"From our list, Payactiv offers up to $1,500. However, you’ll need your employer to participate in the app in order to qualify for an advance. It works to receive money you’ve “already earned” right after you’ve worked, instead of waiting for your paycheck.","question":"What app gives the largest cash advance?","__typename":"FaqField"},{"answer":"EarnIn, Dave, and Empower all have options to receive instant access to a $100 cash advance. The amount you’re able to advance depends on many factors, such as spending habits, employment history, and income stability.","question":"How do I borrow $100 instantly?","__typename":"FaqField"},{"answer":"Empower offers flexible repayment, so you can pay back your cash advance when the funds are available to you. Plus, there are no late fees or interest.","question":"What app gives you money instantly without a job?","__typename":"FaqField"},{"answer":"All the apps on our list offer $200 or more, but note that this amount may not be available right away or it may take more than one loan to reach the desired amount. Most cash advance apps offer less than $200 for first-time borrowers.","question":"What app can I borrow $200 from?","__typename":"FaqField"}],"featuredMediaType":"image","floatingNavContent":"\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#apps\"\u003eOur top 10 cash advance apps\u003c/a\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#earnin\"\u003eEarnIn\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#current\"\u003eCurrent\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#varo\"\u003eVaro\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#chime\"\u003eChime\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#solo-funds\"\u003eSoLo Funds\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#vola\"\u003eVola\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#payactiv\"\u003ePayactiv\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#dailypay\"\u003eDailyPay\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#albert\"\u003eAlbert\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#brigit\"\u003eBrigit\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#definition\"\u003eWhat is a cash advance app?\u003c/a\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#advance-vs-loan\"\u003eCash advance vs. payday loan\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#pros-and-cons\"\u003ePros \u0026amp; cons\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#safety\"\u003eAre cash advance apps safe?\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#right-for-me\"\u003eIs a cash advance right for me?\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#alternatives\"\u003eAlternative options\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#methodology\"\u003eOur methodology\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#faqs\"\u003eFAQs\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","floatingNavTitle":"On this page","footnotes":null,"id":"cG9zdDozNDU3OTE3","image":"https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg?resize=1200,600","imageCaption":"Cash advance apps can come in handy for consumers dealing with unexpected costs.\n","imageCredit":"Getty Images","keywords":"","link":"https://fortune.com/recommends/banking/cash-advance-apps/","metaTitle":"10 best cash advance apps for November 2024","modifiedGmt":"2024-11-26T21:02:37","pageType":"evergreen","platformCD":"recommends","postId":3457917,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"Follow Fortune Recommends on \u003ca href=\"https://www.linkedin.com/showcase/fortunerecommends/\" target=\"_blank\" rel=\"noopener\"\u003eLinkedIn,\u003c/a\u003e \u003ca href=\"https://twitter.com/fortunerecs\" target=\"_blank\" rel=\"noopener\"\u003eX\u003c/a\u003e, and \u003ca href=\"https://www.tiktok.com/@fortunerecs\"\u003eTikTok\u003c/a\u003e.","bylineCommentary":null,"mediaItem":{"altText":"Woman texting on her smart phone and smiling","caption":"Young woman texting on her smartphone and smiling. Female reading text messaging on her mobile phone.","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg"},"__typename":"Settings"},"premiumCategory":{"name":"F-Search","premiumCategoryId":447850669,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-search-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"Roundup","primaryTagId":447854067,"link":"https://fortune.com/tag/roundup/","uri":"/tag/roundup/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Banking","primarySectionId":447854038,"link":"https://fortune.com/recommends/banking/","uri":"/recommends/banking/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"","relatedVideoType":"no_video","reviewedBy":{"funFactHeader":"","funFactValue":"","image":"https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=150","name":"Abigail Rueger","role":"Deputy Editor, Banking","shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eAbigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. \u003c/span\u003e\u003c/p\u003e\n","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/abigail-rueger-9a8941129/","twitterUrl":"","__typename":"ReviewerSocialUrlsFields"},"uri":"/author/abigail-rueger/"},"sectionNames":["Banking"],"sections":[{"name":"Banking","sectionId":447854038,"slug":"banking","__typename":"BrandedArticleClassificationSectionFieldsFields"}],"series":[],"showModifiedTimestamp":1,"socialDescription":"A cash advance app can help you out of a tight spot, whether you have an unexpected expense or bills you're unprepared to pay for. Here's what you need to know.","socialTitle":"Need cash fast? A cash advance app could help. Here are our top 10","stickyCta":null,"tagNames":["Featured","no copyright","Rankings and Roundups","Roundup"],"tags":[{"name":"Featured","tagId":447860752,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"no copyright","tagId":447849520,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Rankings and Roundups","tagId":447865369,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Roundup","tagId":447854067,"__typename":"BrandedArticleClassificationTagFieldsFields"}],"templateType":"landing_page","thumbnailUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg","title":"10 best cash advance apps for November 2024","topicNames":[],"topics":[],"url":"https://fortune.com/recommends/banking/cash-advance-apps/","videoId":null,"widgetCss":null},"articleData":{"adTags":[{"adtagname":"cat_Debt Relief","description":null,"slug":"cat-debt-relief"},{"adtagname":"High Intent","description":null,"slug":"high-intent"},{"adtagname":"ptype_Roundup","description":null,"slug":"ptype-roundup"}],"audienceDek":"Understand the inner workings of cash advance apps, and see which one may fit your needs.","authorNames":["Katherine Haan"],"authors":[{"email":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=150","name":"Katherine Haan","sameAs":"","type":"Person","uri":"/author/katherine-haan/","url":"https://fortune.com/author/katherine-haan/","role":"Personal Finance Expert","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/kathyhaan/","twitterUrl":"https://x.com/iamkathyhaan","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eKatherine Haan\u003c/span\u003e\u003cspan style=\"font-weight: 400\"\u003e is a former\u003c/span\u003e\u003cspan style=\"font-weight: 400\"\u003e financial advisor turned small business coach. Katherine holds an MBA, and is a former staff writer for Fit Small Business. She is a regular contributor to Forbes and maintains a popular lifestyle and travel blog.\u003c/span\u003e\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"PERSONAL FINANCE","link":"https://fortune.com/recommends/personal-finance/"},{"label":"BANKING","link":"/recommends/banking/"},{"label":"10 BEST CASH ADVANCE APPS FOR NOVEMBER 2024","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Banking","content":"\u003cp\u003eA cash advance app can help you out if you’re in a pinch, such as for an unexpected car repair to pay for, or if you’ve got a time-sensitive opportunity that can’t wait until payday. Since there are so many to choose from, we looked at the loan amount, time to pay out, fast-funding fees, any other subscription fees, and the app rating to determine the best cash advance apps available today.\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cdetails class=\"wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhy trust Fortune Recommends\u003c/summary\u003e\n\u003cp\u003eOur editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our \u003ca href=\"https://fortune.com/fortune-recommends-editorial-guidelines/\"\u003eeditorial guidelines\u003c/a\u003e and the \u003ca href=\"https://fortune.com/fortune-recommends-banking-methodology/\"\u003ebanking methodology\u003c/a\u003e for the ratings below.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003c/h4\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eOver 15 apps compared\u003c/li\u003e\n\n\n\n\u003cli\u003eMore than 180 data points tracked\u003c/li\u003e\n\n\n\n\u003cli\u003e4 layers of fact-checking\u003c/li\u003e\n\n\n\n\u003cli\u003eWritten by a financial advisor with decades of experience\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"apps\"\u003eBest cash advance apps for November 2024\u003c/h2\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003eCompany\u003c/th\u003e\u003cth\u003eMaximum advance limit\u003c/th\u003e\u003cth\u003eTime to fund\u003cbr\u003e(without fees)\u003c/th\u003e\u003cth\u003eSee details\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cmark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\"\u003eFeatured partner\u003c/mark\u003e\u003cbr\u003e\u003cstrong\u003eBest for immediate paycheck access:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#earnin\"\u003eEarnIn\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$750\u003c/td\u003e\u003ctd\u003eMinutes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917\" data-type=\"link\" data-id=\"https://offers.evenfinancial.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat EarnIn\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for a paycheck advance:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#current\"\u003eCurrent\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$500\u003c/td\u003e\u003ctd\u003eInstant\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/tdedee674939?s1=3457917\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Current\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for flexible repayment:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#varo\"\u003eVaro\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$500\u003c/td\u003e\u003ctd\u003eImmediate\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=varo-cash\u0026amp;tag.subid=3457917\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for low-fee instant cash:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#chime\"\u003eChime\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$500\u003c/td\u003e\u003ctd\u003e24 hours\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/b9770b4b-b792-465c-93b0-f03bea18967c/b24e3855-20b4-485b-8d90-2972af2a1454?tag.subid=3457917\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Chime\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for peer-to-peer loans:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#solo-funds\"\u003eSoLo Funds\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$575\u003c/td\u003e\u003ctd\u003e Minutes\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=solo_funds\u0026amp;tag.subid=3457917\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for rewarding financial literacy:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#vola\"\u003eVola\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$500\u003c/td\u003e\u003ctd\u003e5 business hours\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=vola\u0026amp;tag.subid=3457917\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e \u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for multiple transfer options:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#payactiv\"\u003ePayactiv\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$1,500\u003c/td\u003e\u003ctd\u003eImmediate\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=payactiv\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e \u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for earned wage access:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#dailypay\"\u003eDailyPay\u003c/a\u003e\u003c/td\u003e\u003ctd\u003eVaries\u003c/td\u003e\u003ctd\u003eInstant\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=dailypay\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e \u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for overdraft protection:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#albert\"\u003eAlbert\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$250\u003c/td\u003e\u003ctd\u003eInstant\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://r.financebuzz.com/aff_c?offer_id=17119\u0026amp;aff_id=1940\u0026amp;source=3457917\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e \u003cbr\u003eat Albert\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for automatic advances:\u003c/strong\u003e\u003cbr\u003e\u003ca href=\"#brigit\"\u003eBrigit\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$250\u003c/td\u003e\u003ctd\u003e2-3 business days\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://r.financebuzz.com/aff_c?offer_id=16437\u0026amp;aff_id=1940\u0026amp;source=3457917\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Brigit\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eEarnIn: Best for immediate paycheck access\u003c/h2\u003e\n\n\n\n\u003cp\u003eEarnIn is a cash advance app available on both Apple and Android devices. It offers cash advances of up to $750 per pay period and operates on a tip-based platform. Users have the option to add tips on each transaction to support EarnIn’s services.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-banner\"\u003eFEATURED PARTNER\u003c/div\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"earnin\" class=\"card-title\"\u003eEarnIn\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003e$750\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003eMinutes\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_EarnIn-logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917\" target=\"_blank\" rel=\"nofollow noopener\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat EarnIn\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nEarnIn’s basic services have no fees, although the service’s automatic debits could result in overdraft fees if your pay dates aren’t correct in the system. EarnIn offers several added features, including Lightning Speed transfers, which enable payouts in minutes. The fee for Lightning Speed transfers ranges from $3.99 to $4.99 per transaction, although the first is free.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nEarnIn debits your account automatically for the cash advance once you’ve been paid by your employer. You can also pay EarnIn back manually via manual debit or money order.\r\n\r\nIt’s important to understand that EarnIn withdraws funds on your direct deposit date, which does not always coincide with your payday. Many institutions deposit your funds early, but depending on when your employer uploads payroll data, you could be paid later than you normally would. This inconsistency could cause EarnIn funds to withdraw before your paycheck hits your account.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/b6a43e2b-c77a-4846-9339-741248cb0309/46f71c35-ea61-41ff-bfeb-3c24a5642904?tag.sub_id=3457917\" target=\"_blank\" rel=\"nofollow noopener\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat EarnIn\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like EarnIn as best for immediate paycheck access\u003c/h4\u003e\n\n\n\n\u003cp\u003eEarnIn has a feature where you can tip yourself between $1–$50 total per day, accumulating up to $2,000 across five tip jars. While it isn\u0026#8217;t interest-bearing, this can be used as a way to save money for specific expenses, such as a vacation or a rainy day.\u003c/p\u003e\n\n\n\n\u003cp\u003eEarnIn offers several added features, including Lightning Speed transfers, which enable payouts in minutes. There is also free credit score monitoring and a warning system called “Balance Shield” that alerts you when your funds are low.\u003c/p\u003e\n\n\n\n\u003cp\u003eWhen you take a cash advance from EarnIn, you can request up to $100 per day, or $750 per pay period. However, a member\u0026#8217;s first advance is $85 on average. Over time, the advance you\u0026#8217;re able to take can increase if you maintain a positive balance in your bank account and manage your spending. You won’t pay any interest, have any credit checks, or pay any fees to use it, either.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/earnin-review/\"\u003eEarnIn review\u003c/a\u003e\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eNo mandatory fees for standard transfers\u003c/li\u003e\n\u003cli\u003e24/7 customer support with a goal to respond in less than a minute to inquiries\u003c/li\u003e\n\u003cli\u003eYou can reschedule your repayment to your next pay period once every 60 days\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThe average amount users get at sign-up is only $85, as you increase this with a good EarnIn history\u003c/li\u003e\n\u003cli\u003eMight not work for those in untraditional work environments\u003c/li\u003e\n\u003cli\u003eMaximum allowed per day is $100\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eCurrent: Best for a paycheck advance\u003c/h2\u003e\n\n\n\n\u003cp\u003eWith 4 million members, Current\u0026#8217;s team of 200 employees helps customers save money, get their paychecks early, invest their income, and build credit with everyday purchases. It’s headquartered in New York City.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"current\" class=\"card-title\"\u003eCurrent\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003e$500\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003eInstant\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-Current-Logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/tdedee674939?s1=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Current\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nYou may choose to tip when you request a paycheck advance, although this is entirely optional. There is a fee for requesting instant access, although the rate varies by the amount of the advance.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nUnless you manually repay your advance early, the repayment is deducted from your next paycheck automatically.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/tdedee674939?s1=3457917\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Current\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like Current as best for a paycheck advance\u003c/h4\u003e\n\n\n\n\u003cp\u003eA paycheck advance through Current only requires a minimum payroll deposit of $500 while most apps require at least $800. Your advance can be deposited instantly for a fee. Otherwise, standard timing takes up to three business days.\u003c/p\u003e\n\n\n\n\u003cp\u003eThere is no credit check to access a cash advance with Current. However, to qualify, you must have an eligible direct deposit into the account you have with Current or set up an external bank account with a direct deposit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile Current charges no fees, other than if you want an instant deposit, it does give the option to leave a tip. You won’t be penalized in any way for not leaving a tip, although some may feel obligated to tip, so use your discretion. \u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/current-neobank-review/\"\u003eCurrent review\u003c/a\u003e\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eYou’re not required to have a Current bank account\u003c/li\u003e\n\u003cli\u003eYour limit can increase over time\u003c/li\u003e\n\u003cli\u003eNo credit checks\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eInstant deposits can take up to an hour\u003c/li\u003e\n\u003cli\u003eSome users complain of poor customer service\u003c/li\u003e\n\u003cli\u003eNot available in Connecticut, Maryland, or Nevada\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther offerings from Current\u003c/summary\u003e\n\u003cp\u003eCurrent is a fintech company and not a bank. However, it offers bank-like services, including:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eA bank account that helps you build your credit\u003c/li\u003e\n\n\n\n\u003cli\u003eCrypto trading\u003c/li\u003e\n\n\n\n\u003cli\u003eA savings account that pays up to 4.00% as an annual bonus\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eVaro: Best for flexible repayment\u003c/h2\u003e\n\n\n\n\u003cp\u003eWith more than 3 million customers, Varo is an online-only bank offering products like high-yield savings accounts, lines of credit, credit-building cards, standard bank accounts, and cash advances.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"varo\" class=\"card-title\"\u003eVaro\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003e$500\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003eImmediate\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Varo-Bank-logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=varo-cash\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nVaro charges no interest, nor do they ask for any tips. Instead, you pay a flat fee of 8% of the amount borrowed. For example, if you borrow the maximum of $500, you owe $40. Meanwhile, if you borrow $300, you only pay $24.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nYou have up to 30 days to repay your cash advance.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=varo-cash\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like Varo as best for flexible repayment\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhen getting a cash advance, most apps require you to repay your advance on your next payday. However, Varo lets you choose anywhere from 15 to 30 days from the date you receive your advance. Plus, you can split this amount into as many payments as needed, provided you pay it back within 30 days.\u003c/p\u003e\n\n\n\n\u003cp\u003eLike most cash advance apps, you won\u0026#8217;t be able to borrow the maximum amount during your first advance. Instead, you must work your way up to it. If you have larger direct deposits, other than the minimum of $800 to get an advance, you may qualify for higher advances right out of the gate. You\u0026#8217;ll also need to be a Varo customer, with a Varo Online Bank Account or Savings Account.\u003c/p\u003e\n\n\n\n\u003cp\u003eWhen users rely on short-term borrowing, they can sometimes get stuck in a cycle of debt that\u0026#8217;s not easy to get out of. But with Varo, its system evaluates your ability to take an advance daily. So, if you\u0026#8217;re having a difficult time paying back a Varo Advance or have a negative account balance, you won\u0026#8217;t be able to take out another one until you\u0026#8217;ve brought these into good standing. \u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e read our \u003ca href=\"https://fortune.com/recommends/banking/varo-bank-review/\"\u003eVaro review\u003c/a\u003e\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eRepay your advance anywhere from 15 to 30 days after funding\u003c/li\u003e\n\u003cli\u003eOnly requires $800 in combined direct deposits per month to qualify\u003c/li\u003e\n\u003cli\u003eCan split repayment into many payments as long as it’s paid in full within 30 days\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMust be a Varo banking customer\u003c/li\u003e\n\u003cli\u003eYour first advance is only up to $250\u003c/li\u003e\n\u003cli\u003eYou may only be able to borrow $20\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther offerings from Varo\u003c/summary\u003e\n\u003cp\u003eVaro helps its customers manage several areas of their finances, including banking, budgeting, and credit:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eOnline banking\u003c/li\u003e\n\n\n\n\u003cli\u003eHigh-yield savings account\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit builder card\u003c/li\u003e\n\n\n\n\u003cli\u003ePersonal line of credit\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eChime: Best for low-fee instant cash\u003c/h2\u003e\n\n\n\n\u003cp\u003eChime is a financial technology (fintech) company offering MyPay™, which allows customers to get an advance on their paychecks. In addition to MyPay™, it offers several other online banking products.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"chime\" class=\"card-title\"\u003eChime\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003eUp to $500^\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003eFree within 24 hours, Instantly for a $2 fee.*\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/chime-logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/b9770b4b-b792-465c-93b0-f03bea18967c/b24e3855-20b4-485b-8d90-2972af2a1454?tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Chime\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nWhen you receive your paycheck advance in 24 hours, there is no fee from Chime. However, if you opt for its instant deposit, you pay a $2 fee per advance. You won\u0026#8217;t pay any interest, and there are no credit checks.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nYour MyPay repayment is deducted automatically from your next direct deposit. From the app, you can view your repayment schedule and credit limit at any time.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/b9770b4b-b792-465c-93b0-f03bea18967c/b24e3855-20b4-485b-8d90-2972af2a1454?tag.subid=3457917\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Chime\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like Chime for best low-fee instant deposits\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhen you receive an advance on your paycheck from Chime, you won’t pay any fees to have your funds deposited within 24 hours. However, if you need quick access to your funds, you can request an instant deposit. Normally, apps charge a percentage of the advance as a fee, often around 1.75% to 2%.\u003c/p\u003e\n\n\n\n\u003cp\u003eWith Chime, you’re paying a flat fee of $2, no matter the amount of the advance. So, if you’re taking a larger advance, you’re still only paying $2. On other apps, you might pay a $5–$10 fee on an advance of a few hundred dollars.\u003c/p\u003e\n\n\n\n\u003cp\u003eUnlike other cash advance apps, you’re also not asked to provide a tip. Instead, Chime makes its money through interchange fees on its other products.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/chime-review/\"\u003eChime review\u003c/a\u003e\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eReceive your paycheck advance instantly for a $2 fee\u003c/li\u003e\n\u003cli\u003eRequires no credit check\u003c/li\u003e\n\u003cli\u003eNo optional tipping like other apps\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMost cash advances start at $50 to $100\u003c/li\u003e\n\u003cli\u003eNot available in every state\u003c/li\u003e\n\u003cli\u003eQualifications may be stricter than other apps since they\u0026#8217;re based on your credit score\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther offerings from Chime\u003c/summary\u003e\n\u003cp\u003eBesides its cash advance product, Chime offers a host of other options for its customers. These include:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eChime account: \u003c/strong\u003eThis is its online bank account. Chime doesn\u0026#8217;t use ChexSystems nor does it check your credit, making it ideal for those with less-than-stellar banking histories.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eHigh-yield savings: \u003c/strong\u003eReceive up to 2.00% APY on your money.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eChime Visa debit card\u003c/strong\u003e: With a debit card, you can access funds from more than 50,000 fee-free ATMs.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eSpotMe: \u003c/strong\u003eProvides up to $200 in fee-free overdraft protection.\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cp style=\"font-size:12px\"\u003e\u003cem\u003eChime is a financial technology company, not a bank. MyPay\u003csup\u003eTM\u003c/sup\u003e\u0026nbsp;line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (\u003ca href=\"https://www.chime.com/licenses/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eNMLS ID 2316451\u003c/a\u003e).\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cp style=\"font-size:12px\"\u003e\u003cem\u003e^To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 \u0026#8211; $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See\u0026nbsp;\u003ca href=\"https://www.chime.com/policies/bancorp/mypay/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eBancorp MyPay Agreement\u003c/a\u003e\u0026nbsp;or\u0026nbsp;\u003ca href=\"https://www.chime.com/policies/stride/mypay/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eStride MyPay Agreement\u003c/a\u003e\u0026nbsp;for details.\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cp style=\"font-size:12px\"\u003e\u003cem\u003e*Free transfers within 24 hours or $2 fee applies to get funds instantly.\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eSoLo Funds: Best for peer-to-peer (P2P) cash advances\u003c/h2\u003e\n\n\n\n\u003cp\u003eSoLo Funds is the first Black-owned fintech company, founded by Travis Holoway and Rodney Williams. It offers P2P lending via an app with more than 1 million users, 82% of whom come from underserved ZIP codes. This equates to 600,000 loans made with a transaction volume of more than $300 million.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"solo-funds\" class=\"card-title\"\u003eSoLo Funds\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003e$575\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003eMinutes\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_The-SoLo-Funds-logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=solo_funds\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nMembers can tip and make a donation when repaying, although both are optional. It\u0026#8217;s important to understand that lenders can see if they will receive a tip from a consumer, and in December 2022, only 0.5% of loans received funding when consumers elected not to tip.\r\n\r\nA late fee of 10% occurs on the 35th day after advance origination. There are also fees assessed to the lending member and the borrower if a loan is sent to collection, which occurs on the 90th day.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nLoans must be repaid within 34 days, although you can elect to have a shorter repayment period.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=solo_funds\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like Solo Funds as best for peer-to-peer loans\u003c/h4\u003e\n\n\n\n\u003cp\u003eSoLo Funds offers flexible loan terms and allows you to state what the funds will be used for, which could potentially entice the lender to choose your advance to fund. These cash advances are community-based rather than provided directly by the platform. When you request an advance, lenders can see your SoLo Funds score, letting them know how risky it is to lend to you, and they can also see if you\u0026#8217;re providing them with a tip. Meanwhile, this also means lenders are far less likely to lend to you if you do not tip. The maximum tip you can give is 15%.\u003c/p\u003e\n\n\n\n\u003cp\u003eSolo Funds advertises that your money will arrive in your account usually in less than 20 minutes. However, it\u0026#8217;s important to understand that recent changes in its fee structure makes it less advantageous for lenders to lend money. This means your advance request may never be funded. \u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eFlexible repayment terms\u003c/li\u003e\n\u003cli\u003eCommunity-based support\u003c/li\u003e\n\u003cli\u003eNot giving a tip will have no impact on future loan requests\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eYour loan request may never get funded before it expires\u003c/li\u003e\n\u003cli\u003eThere are currently several known bugs leading to frustrating customer service experiences\u003c/li\u003e\n\u003cli\u003eRecent changes have made it less attractive for lenders to lend, making funding harder to obtain\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther offerings from SoLo Funds\u003c/summary\u003e\n\u003cp\u003eWhile SoLo Funds isn’t a bank like many on this list, it is a fintech company with bank-like products. This includes SoLo Wallet, which is banking with debit cards, no overdraft fees and, eventually, it plans to add life insurance and interest to these accounts too.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eVola: Best for rewarding financial literacy\u003c/h2\u003e\n\n\n\n\u003cp\u003eVola is a subscription service with more than 300,000 clients. Since its inception, it has helped its customers save more than $15 million in bank fees.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"vola\" class=\"card-title\"\u003eVola\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003e$500\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003e5 business hours\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003ePremium plans start at $1.99\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Vola-logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=vola\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nThere is no fee to receive an advance—these are available under Vola’s free subscription tier. Premium subscription plans start at $1.99 per month and include coupons and discounts.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nYour repayment will be deducted automatically from your linked debit card or bank account on your payday or whichever date you previously selected when you took the advance.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=vola\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\" id=\"vola\"\u003eWhy we like Vola as best for rewarding financial literacy\u003c/h4\u003e\n\n\n\n\u003cp\u003eRelying on cash advances can impact your financial situation negatively over time. That’s why we like Vola—it rewards you actively for increasing your financial literacy and limits the number of advances you can take.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBy linking your bank accounts, you can see your balances and spending at a glance, and it will send you alerts when your balance is low. This way, you can request an advance to help cover you so you won\u0026#8217;t have to pay any nonsufficient funds (NSF) or overdraft fees by your banking institution.\u003c/p\u003e\n\n\n\n\u003cp\u003eTo keep users from getting into a cycle of debt by becoming reliant on its service, Vola has a low minimum advance amount of $500 and limits the frequency of cash advances to two advances in a 30-day period. Unlike most cash advance apps, you can report eligible payments to credit bureaus to help build your credit score.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eIncrease the amount you can advance by reading financial literacy articles\u003c/li\u003e\n\u003cli\u003eNo fees\u003c/li\u003e\n\u003cli\u003eReferral reward for referring your friends to Vola\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThere are limits to how often you can take a Vola cash advance each year\u003c/li\u003e\n\u003cli\u003eBecause it uses Plaid, not all customers will qualify\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch2 class=\"wp-block-heading\"\u003ePayactiv: Best for multiple transfer options\u003c/h2\u003e\n\n\n\n\u003cp\u003eHeadquartered in Milpitas, California, Payactiv got its start in 2012. It works with more than 1,500 businesses and has helped over 2 million users access more than $5 billion in wages.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"payactiv\" class=\"card-title\"\u003ePayactiv\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003e$1,500\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003eImmediate\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Payactiv-logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=payactiv\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nThe only fee you\u0026#8217;ll pay for accessing your paycheck early is if you want instant deposits. These fees range from $2.49 to $3.49, although this is waived if you have a direct deposit of more than $200 per pay period.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nYour Payactiv repayment will show as a deduction on your next paycheck.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=payactiv\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like Payactiv as best for multiple transfer options\u003c/h4\u003e\n\n\n\n\u003cp\u003eSometimes, making ends meet before your next paycheck is due to arrive is made difficult by emergencies. With Payactiv, you can access the money you’ve already earned before your next paycheck. This requires employer participation but is a great feature to have if it’s available to you.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThis is called Earned Wage Access (EWA), and we like that so many big employers take part, such as Amazon, Uber, AMC, Walmart, and Visa. It gives employees more control over money they\u0026#8217;ve already earned.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eReceiving an EWA disbursement has no fees if you receive it via ACH. However, there are fees to have the money deposited to a non-Payactiv card or to claim your money at a Walmart Cash Pickup. Repayment will show as a deduction on your next paycheck.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMultiple transfer options\u003c/li\u003e\n\u003cli\u003eHelps avoid overdraft and late fees\u003c/li\u003e\n\u003cli\u003eCan use earnings for ride-sharing services, discounts on gas, and shopping online, in addition to bills\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDependant on employer participation\u003c/li\u003e\n\u003cli\u003eLimited to employer\u0026#8217;s settings for accessible balance\u003c/li\u003e\n\u003cli\u003eMaximum available is $750 unless you use the Payactiv Visa Card for your direct deposit\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther offerings from Payactiv\u003c/summary\u003e\n\u003cp\u003eAs a fintech company, Payactiv offers its customers a variety of smart financial resources and products, including:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003ePayactiv Visa card\u003c/li\u003e\n\n\n\n\u003cli\u003eBill pay\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003eGoal-based savings\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003eFinancial coaching\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003ePay a friend\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eDailyPay: Best for earned wage access\u003c/h2\u003e\n\n\n\n\u003cp\u003eFounded in 2015, DailyPay gives employees access to money already earned. It raised $5 million in Series A funding, $9 million in Series B funding, and $500 million in Series D funding.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"dailypay\" class=\"card-title\"\u003eDailyPay\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003eVaries\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003eInstant\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/DailyPay.Wordmark.RGB_.Orange.jpg\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=dailypay\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nFees are set by your employer\u0026#8217;s contract. However, there is no fee to receive a next-business-day transfer.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nYour DailyPay repayment will show as a deduction on your next paycheck.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.moneylion.com/network/fortune/cash-advance/explore?bridge_partner=dailypay\u0026amp;tag.subid=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like DailyPay as best for getting the money you\u0026#8217;ve already earned\u003c/h4\u003e\n\n\n\n\u003cp\u003eDailyPay is another type of EWA, where you’re receiving money you’ve already earned, rather than waiting until payday to access your money. This is helpful if you need immediate access to funds for unexpected expenses or want to avoid relying on credit or loans between paychecks. For those who are paid less frequently, such as monthly, this can be a great relief.\u003c/p\u003e\n\n\n\n\u003cp\u003eWith DailyPay, you can transfer up to $1,000 per day in as many as five total transfers. The amount you can transfer varies by what’s accumulated in your \u0026#8220;Available now\u0026#8221; section of the app and depends on the hours you\u0026#8217;ve clocked for your shift. However, you can withdraw 100% of what’s available in that section, so if you have $500 available, you can withdraw $500.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAccording to DailyPay, 81% of employees who use its service stopped using payday loans altogether, and 15% reduced their use. The use of payday loans can bury employees in a cycle of debt that’s incredibly difficult to dig out of, so the ability to access earned wages through DailyPay can help break that cycle by providing a safer and more manageable alternative for covering short-term financial needs.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/dailypay-review/\"\u003eDailyPay review\u003c/a\u003e\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eCan transfer up to $1,000 per day\u003c/li\u003e\n\u003cli\u003eSupports tips, rewards, and hourly pay\u003c/li\u003e\n\u003cli\u003eYou can set your own withdrawal limits to encourage better financial management\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDependable on employer participation\u003c/li\u003e\n\u003cli\u003eOnly available to employers with more than 500 employees\u003c/li\u003e\n\u003cli\u003eNot all banks or credit unions are supported, such as small credit unions, American Express cards, and Discover cards\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther offerings from DailyPay\u003c/summary\u003e\n\u003cp\u003eDailyPay is a fintech company offering the following products for employees:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eDailyPay Visa Prepaid card\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit Health, where you can track and monitor your credit score\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eAlbert: Best for overdraft protection\u003c/h2\u003e\n\n\n\n\u003cp\u003eCollege roommates Yinon Ravid and Andrzej Baraniak founded Albert in 2019 and aim to help customers have financial stability. Its members have saved and invested over $1 billion.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"albert\" class=\"card-title\"\u003eAlbert\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003e$250\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003eInstant\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003e$9.99 to $14.99 per month\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Albert-logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://r.financebuzz.com/aff_c?offer_id=17119\u0026amp;aff_id=1940\u0026amp;source=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Albert\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nYour Albert subscription costs $9.99 per month, although you\u0026#8217;ll need its Genius subscription at $14.99 per month to access automatic overdraft protection.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nYou have a six-day grace period to repay your overdraft protection.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://r.financebuzz.com/aff_c?offer_id=17119\u0026amp;aff_id=1940\u0026amp;source=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Albert\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like Albert as best for overdraft protection\u003c/h4\u003e\n\n\n\n\u003cp\u003eAlbert Instant will cover overdrafts that occur due to withdrawals at an ATM, debit card purchases, and electronic transfers, such as an ACH. You have six days to cover your overdraft; otherwise, it may suspend overdraft privileges.\u003c/p\u003e\n\n\n\n\u003cp\u003eIn addition to its overdraft protection, users can earn up to 20% cash back on everyday spending like groceries and gas. You\u0026#8217;ll receive your paycheck up to two days early, have access to more than 55,000 ATMs fee-free, and monitor your identity 24/7 for suspicious activity.\u003c/p\u003e\n\n\n\n\u003cp\u003eIt offers a 30-day free trial before you\u0026#8217;re charged for its app, so you can test drive it to see if Albert will work for you. Although Albert isn\u0026#8217;t a bank, users still receive Federal Deposit Insurance Corp. (FDIC) insurance through Sutton Bank. \u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eRequires no credit check\u003c/li\u003e\n\u003cli\u003eNo fees other than your subscription, unless paying for Fast Transfer\u003c/li\u003e\n\u003cli\u003e30-day free trial\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThe average approved advance is just $95\u003c/li\u003e\n\u003cli\u003eMust have a Genius subscription for an instant overdraft advance\u003c/li\u003e\n\u003cli\u003eIt’s less an advance and more like standard overdraft protection\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther offerings from Albert\u003c/summary\u003e\n\u003cp\u003eWhile Albert isn’t a bank like most cash advance apps, it’s backed by a bank and provides several financial tools to help its customers spend, save, and invest wisely. These additional tools include the following:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eAccess to finance experts through Genius, who can even analyze your spending and income to see if you can afford to save or invest more every week\u003c/li\u003e\n\n\n\n\u003cli\u003eBanking with a Cash account\u003c/li\u003e\n\n\n\n\u003cli\u003eAutomate your savings based on your income, bills, and spending\u003c/li\u003e\n\n\n\n\u003cli\u003eInvest as little as $1\u003c/li\u003e\n\n\n\n\u003cli\u003eBudgeting tools that track your bills and spending\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit monitoring\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eBrigit: Best for automatic advances\u003c/h2\u003e\n\n\n\n\u003cp\u003eBrigit has 4 million users with an average App Store rating of 4.8 stars from 328,000 reviews. It\u0026#8217;s also available on the Google Play store and has 4.7 stars from 220,000 reviews.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"brigit\" class=\"card-title\"\u003eBrigit\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMaximum advance limit:\u003c/td\u003e\r\n\u003ctd\u003e$250\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTime to fund:\u003c/td\u003e\r\n\u003ctd\u003e2-3 business days; 20 minutes with a small fee\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSubscription fees:\u003c/td\u003e\r\n\u003ctd\u003e$8.99–$14.99\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/11/brigit-logo.png\" alt=\"\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://r.financebuzz.com/aff_c?offer_id=16437\u0026amp;aff_id=1940\u0026amp;source=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Brigit\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nFees \u0026amp; APR\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nInstant Cash is free, but it offers a subscription membership with additional features for $8.99 or $14.99, depending on the features you want.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e\r\nRepayment terms\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\nYour repayment date is set by your pay date, although you can use an extension to select a preferred date instead. You can also pay it early by selecting \u0026#8220;make a payment.\u0026#8221; All repayments occur using the bank account established during setup.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://r.financebuzz.com/aff_c?offer_id=16437\u0026amp;aff_id=1940\u0026amp;source=3457917\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Brigit\u003c/p\u003e\r\n\u0026nbsp;\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like it\u003c/h4\u003e\n\n\n\n\u003cp\u003eBrigit offers two ways to get a cash advance: Standard delivery gets you cash within 2-3 business days, while you can get your money in 20 minutes with Express Delivery for a small fee. Note that a monthly subscription is required to be eligible for Instant Cash—$8.99 for a Plus account and $14.99 for Premium. Premium accounts get free express delivery as well as access to a credit builder tool.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eOne of the biggest perks of using Brigit is its Automatic Advances feature, which will monitor your account, and if it sees you’re about to overdraft, it’ll issue an advance. You can still request an advance even if you have this feature turned on as an added safeguard for your account. Keep in mind that you can still only have one advance at a time, including the Automatic Advance.\u003c/p\u003e\n\n\n\n\u003cp\u003eTo qualify for Brigit Instant Cash you must have at least three recurring deposits from the same employer or deposit source.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eNo late fees\u003c/li\u003e\n\u003cli\u003eCan bank up to three repayment extensions\u003c/li\u003e\n\u003cli\u003eAutomatic Advances will advance you Instant Cash if you\u0026#8217;re at risk of an overdraft\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eIts advance limit is relatively low compared to the competition\u003c/li\u003e\n\u003cli\u003eATM deposits, paper checks, cash transfers, or irregular pay periods don’t qualify\u003c/li\u003e\n\u003cli\u003eYou cannot increase your advance amount\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther offerings from Brigit\u003c/summary\u003e\n\u003cp\u003eBrigit also offers tools like credit monitoring, identity theft protection, and a finance helper:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eCredit builder tool\u003c/li\u003e\n\n\n\n\u003cli\u003eCredit monitoring and reporting\u003c/li\u003e\n\n\n\n\u003cli\u003eIdentity theft protection of up to $1 million\u003c/li\u003e\n\n\n\n\u003cli\u003eExclusive offers to earn and save\u003c/li\u003e\n\n\n\n\u003cli\u003eFinance Helper with spending breakdowns and bill forecasts\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cdiv class=\"myFinance-widget\" data-ad-id=\"5c6ba399-d32f-4e30-9722-8373c50873c3\" data-campaign=\"fortune-savings-multi\" data-sub-id=\"sav-multi-bank\"\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"definition\"\u003e\u003cstrong\u003eWhat is a cash advance app?\u003c/strong\u003e\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eCash advance apps are tools that can bridge the financial gap between paychecks. You connect your bank account, upload employment and earnings info, and then you can transfer a portion of your upcoming earnings right into your bank account or on a designated debit card. Then, repay that advance during your next payday.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u0026#8220;Know what your paycheck amount will be before taking an advance, because the repayment amount is meant to come out of your next paycheck. Keep track of the difference, so you have a realistic idea of how much you’ll have on hand once you’re paid. Ideally, you can repay an advance with a single paycheck so you don’t carry debt from paycheck to paycheck.\u0026#8221; \u003cem\u003e\u0026#8211; Dana Miranda, CEPF® and personal finance journalist\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003cp\u003eThey can also be helpful for consumers facing potential penalties when their checking account funds are low.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e“You can pay bills on time, and you can avoid \u003ca href=\"https://fortune.com/recommends/article/common-bank-fees-and-how-to-avoid-them/\"\u003eoverdraft fees\u003c/a\u003e,” says Ram Palaniappan, CEO of EarnIn, one of the cash advance apps outlined above. “That’s money that stays in your pockets.”\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"advance-vs-loan\"\u003eCash advance app vs. payday lender\u003c/h3\u003e\n\n\n\n\u003cp\u003eTypically, a cash advance is more flexible and convenient—ideal for short-term needs. A payday loan is often much less flexible and has higher risk than a cash advance. Here are some other key differences.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003e\u003c/th\u003e\u003cth\u003e\u003cstrong\u003eCash advance app\u003c/strong\u003e\u003c/th\u003e\u003cth\u003e\u003cstrong\u003ePayday lender\u003c/strong\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eFees and interest\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eOften has no interest; may have small service fees or optional tips\u003c/td\u003e\u003ctd\u003eTypically charges high interest rates and fees\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eRepayment terms\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eTied to the timing of your next paycheck or another agreed date; often flexible\u003c/td\u003e\u003ctd\u003eMust be repaid by the next payday; can be inflexible and lead to a cycle of debt if extended\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eLoan amounts\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eUsually small amounts, ranging from $100 to a few hundred dollars, though your first advance is often much smaller\u003c/td\u003e\u003ctd\u003eCan range from $100 to $1,000 or more\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAccess and convenience\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eUsually accessed through a mobile app; quick and easy process\u003c/td\u003e\u003ctd\u003eCan be accessed online or in-store; may have a more complex application process\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eCredit check\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eDoesn’t typically involve a credit check\u003c/td\u003e\u003ctd\u003eMay not require a credit check but can sometimes involve one\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eFinancial management tools\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003eOften include budgeting tools, financial insights, and savings features\u003c/td\u003e\u003ctd\u003eRarely offer financial management tools; the focus is on the loan itself\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\u003cp\u003e\u003cstyle\u003e.table-container table, .table-container td, .table-container th {border: 1px solid #111111;}.table-container table {max-width: 600px;margin: auto;width: 100%;margin-bottom: 24px;font-family: 'Graphik Condensed', Arial Narrow, Helvetica neue Condensed, sans-serif;border-collapse: collapse;}.table-container table th {padding: 16px;background-color: #00CD98;font-size: 24px;font-weight: 600;line-height: 28.8px;}.table-container table tbody tr {background-color: #FFFFFF;}.table-container table tbody tr:first-child td {font-size: 16px;font-weight: 600;line-height: 19.2px;padding: 8px 16px;}.table-container table tbody tr td {padding: 16px;}.table-container table tbody tr td a {color: #007B9D;text-decoration: none;}.table-container table tbody tr td a:hover {color: #666666;}.table-container tr:first-of-type {background-color: #33CC99 !important;}\u003c/style\u003e\n\u003c/p\u003e\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"pros-and-cons\"\u003e\u003cstrong\u003ePros and cons of cash advance apps\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eCash advance apps are a popular means for getting quick access to funds before payday. Here are some things to consider before taking one.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eQuick access to funds, often within minutes\u003c/li\u003e\n\u003cli\u003eUsually has no interest and few, if any, fees\u003c/li\u003e\n\u003cli\u003eOften provides other tools and services, such as budget help\u003c/li\u003e\n\u003cli\u003eYou can usually move a repayment date if it’s a once-in-a-while thing\u003c/li\u003e\n\u003cli\u003eNo credit checks\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eCompared to other options, the amount you can have advanced is low\u003c/li\u003e\n\u003cli\u003eCan get trapped in a cycle of debt if you make a habit of receiving advances\u003c/li\u003e\n\u003cli\u003eRelying on cash advances focuses on short-term relief without addressing long-term financial planning and saving\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"safety\"\u003e\u003cstrong\u003eAre cash advance apps safe?\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eUsually, a cash advance app offers advanced encryption and security measures so that your data is protected. Additionally, some face regulations from financial authorities, depending on whether they\u0026#8217;re banks or fintech companies.\u003c/p\u003e\n\n\n\n\u003cp\u003eAnother essential aspect to consider is whether taking a cash advance will further any financial hardship you face. While cash advances are less risky than other methods, such as a payday loan, they aren\u0026#8217;t suited for more significant financial issues that require long-term solutions.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u0026#8220;Cash advance apps are far less predatory than payday lenders or even credit card companies, because they tend to set relatively low borrowing limits and don’t charge interest. They also might have safeguards built in that keep you from borrowing again until you’ve paid off an advance. But regularly relying on them between paychecks could still create a domino effect where you consistently owe money as soon as you’re paid and can never get ahead.\u0026#8221; \u0026#8211; \u003cem\u003eDana Miranda, CEPF® and personal finance journalist\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"right-for-me\"\u003e\u003cstrong\u003eIs a cash advance app right for me?\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eDetermining whether a cash advance is right for you requires some self-reflection on your financial habits. If you take out a cash advance from multiple apps each pay period, this can signal some serious financial habits that can hinder you in the long run. The last thing you want is to end up with no wiggle room in your budget because you’ve had to repay all these advances, and you still have two weeks until payday hits again.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eConsider these questions before you take a payday advance:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eHow quickly do you need funds, or can it wait until your next paycheck?\u003c/li\u003e\n\n\n\n\u003cli\u003eCan you afford to repay the advance without it creating a domino effect with the rest of your budget?\u003c/li\u003e\n\n\n\n\u003cli\u003eHave you considered an alternative option, such as cutting back expenses or selling something on Facebook Marketplace or another site?\u003c/li\u003e\n\n\n\n\u003cli\u003eDo you understand the fees you might be charged?\u003c/li\u003e\n\n\n\n\u003cli\u003eHow often do you face cash shortfalls?\u003c/li\u003e\n\n\n\n\u003cli\u003eCan you avoid dependency?\u003c/li\u003e\n\n\n\n\u003cli\u003eWhat is your financial health like?\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003eDo you have a plan to cover essential expenses after repaying the advance?\u003c/li\u003e\n\n\n\n\u003cli\u003eAre you relying on advances regularly or is this a one-time need?\u003c/li\u003e\n\n\n\n\u003cli\u003eWould a small emergency fund provide a better solution for unexpected expenses?\u003c/li\u003e\n\n\n\n\u003cli\u003eHave you calculated the total cost of the advance, including any fees or tips, compared to other options?\u003c/li\u003e\n\n\n\n\u003cli\u003eIs your current income stable enough to ensure you can repay the advance on time?\u003c/li\u003e\n\n\n\n\u003cli\u003eCould accessing credit counseling services help improve your financial habits and reduce the need for advances?\u003c/li\u003e\n\n\n\n\u003cli\u003eIs your current job enough to cover your expenses, or should you consider increasing your income?\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"alternatives\"\u003e\u003cstrong\u003eAlternatives to cash advance apps\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eCash advance apps aren’t the only choice if you need cash before payday. Here’s a look at some of your other options.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eBuy now, pay later (BNPL) apps\u003c/h3\u003e\n\n\n\n\u003cp\u003eA \u003ca href=\"https://fortune.com/recommends/loans/best-buy-now-pay-later-apps/\"\u003eBNPL app\u003c/a\u003e is an attractive option if you have a large purchase to pay for but you don’t want it all to be taken out at once. However, if you get stuck in the cycle of using these to shop, rather than paying for the things you need, you can find yourself in an even worse position than where you started.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003ePersonal loans or credit cards\u003c/h3\u003e\n\n\n\n\u003cp\u003eA \u003ca href=\"https://fortune.com/recommends/loans/best-personal-loans/\"\u003epersonal loan\u003c/a\u003e can usually help fund larger purchases, though you’ll be charged interest on this. Additionally, a credit card can help you out in a pinch with a \u003ca href=\"https://fortune.com/recommends/credit-cards/can-you-get-cash-back-with-a-credit-card/\"\u003ecash advance\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cp\u003e“Someone would use a credit card if they could pay back that debt within a few months,” Noble says. “This is due to the large interest rates usually associated with them.”\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eDebt relief companies\u003c/h3\u003e\n\n\n\n\u003cp\u003eA \u003ca href=\"https://fortune.com/recommends/loans/best-debt-relief-companies/\"\u003edebt relief company\u003c/a\u003e can negotiate debt on your behalf and come up with a plan to help you pay much less than before. They do this by paying a lump sum to your creditors based on money you accumulate in a separate savings account while they do the negotiating. During this time, you’re not paying those creditors, so your credit score will tank in the short term. If you take this route, it’s important to address your financial habits so you don’t find yourself in a similar position years down the road.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eCredit repair companies\u003c/h3\u003e\n\n\n\n\u003cp\u003eWhile a \u003ca href=\"https://fortune.com/recommends/loans/best-credit-repair-companies/\"\u003ecredit repair company\u003c/a\u003e doesn’t lend money, it does help fix your credit by reporting inaccuracies on your credit report. In turn, this can help you qualify for less expensive funding options.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe long-term alternative to cash advance apps: Set up a sustainable budget\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eConsistently using cash advance apps can get you stuck in an ever-widening gap between how much you’re spending and how much cash you actually have available. \u003ca href=\"https://fortune.com/recommends/banking/how-to-create-a-budget/\"\u003eCreating a budget\u003c/a\u003e that you can stick to long-term is a much better solution than relying on cash advance apps before every paycheck. While you may need to tighten your belt for a while, you’ll thank yourself in the long run.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eTry using a platform that syncs with your bank accounts so you can see your entire financial picture at a glance—the \u003ca href=\"https://fortune.com/recommends/banking/best-budgeting-apps/\"\u003ebest budgeting apps\u003c/a\u003e can help you manage your subscriptions and negotiate for lower bills, saving you even more.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u0026#8220;Most budgeting platforms require a monthly fee, which can be a hard pill to swallow when you’re already in a cycle of requiring a cash advance on a regular basis. If you’re not ready for that level of commitment, start small: Keep a spreadsheet of inflows and outflows and start visualizing where your money goes each month. Sometimes just seeing things laid out in front of you can help raise some red flags so you can course-correct quickly, and establishing the habit of tracking expenses early will help you get the most out of your budgeting software once you’re ready to sign up.\u0026#8221; \u0026#8211; \u003cem\u003eCassie Bottorff, Banking and Business Editor at Fortune Recommends\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"methodology\"\u003eMethodology\u003c/h2\u003e\n\n\n\n\u003cp\u003eWe looked at more than 20 cash advance apps and determined the best cash advance apps available today based on these factors:\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best cash advance apps: Our methodology\" aria-label=\"pies-title\" id=\"datawrapper-chart-3imez\" src=\"https://datawrapper.dwcdn.net/3imez/1/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"466\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003e\u003cstrong\u003eLoan amount per pay period (25%): \u003c/strong\u003e\u0026nbsp;\u003c/strong\u003eThe most important factor to consider is how much money you can access through the app.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eSpeed to access funds without paying a fee (20%):\u003c/strong\u003e The point of a cash advance app is to get money quickly. If it's not instant or same-day, we rated the app less highly.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003cstrong\u003eMaximum loan amount per day (15%):\u003c/strong\u003e\u003c/strong\u003e Several apps have daily limits that differ from the limit you can access during a pay cycle—if you need money fast, a daily limit could impact how helpful the app will actually be.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eFast-funding fee (15%):\u003c/strong\u003e Some apps require a fee if you want instant access to the cash. \u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eApp rating (15%):\u003c/strong\u003e User experience is critical when trying to move quickly and get the funds you need. Apps that were rated highly scored higher in our rubric.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMonthly subscription fee (10%):\u003c/strong\u003e If the app charges a subscription fee to use the service, we rated it less highly.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe takeaway\u003c/strong\u003e\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eCash advance apps let you access a portion of your paycheck early and may be a good option on occasion. As Lokenauth explains, however, “These should not be used as a long-term financial solution.”\u003c/p\u003e\n\n\n\n\u003cp\u003eUsing cash advances often may indicate a deeper financial issue, so if you find yourself needing help regularly, consider working with a credit counselor or budgeting professional for help. Building up an emergency fund can also help you better handle a financial emergency should one arise.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"faqs\"\u003eFrequently asked questions\u003c/h2\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat is the best pay advance app?\u003c/summary\u003e\n\u003cp\u003eOur top-rated pay advance app is Varo, which allows users to repay advances 15–30 days later on a flexible schedule, splitting up the payments as needed. Initial advances can be up to $250 and with time, customers can increase that to $500. The app requires $800 in monthly direct deposits to a linked checking account to qualify.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat is the easiest cash advance app to use?\u003c/summary\u003e\n\u003cp\u003eCurrent is a simple app to use if you want a cash advance. It only requires a minimum payroll deposit of $500, whereas many competitors require much more. Additionally, you’re not required to have a Current bank account to get the money. Dave is also an easy-to-use app that takes minutes to set up and doesn’t charge interest or late fees.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat app will let you borrow money instantly?\u003c/summary\u003e\n\u003cp\u003eEarnIn, Dave, and Empower all have options to receive instant access to a cash advance. However, there typically is a small fee associated with this, often 1% to 5% of the transaction. Usually, you can save that fee if you’re willing to wait up to an hour for a normal deposit.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat app gives the largest cash advance?\u003c/summary\u003e\n\u003cp\u003eFrom our list, Payactiv offers up to $1,500. However, you’ll need your employer to participate in the app in order to qualify for an advance. It works to receive money you’ve “already earned” right after you’ve worked, instead of waiting for your paycheck.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow do I borrow $100 instantly?\u003c/summary\u003e\n\u003cp\u003eEarnIn, Dave, and Empower all have options to receive instant access to a $100 cash advance. The amount you’re able to advance depends on many factors, such as spending habits, employment history, and income stability.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat app gives you money instantly without a job?\u003c/summary\u003e\n\u003cp\u003eEmpower offers flexible repayment, so you can pay back your cash advance when the funds are available to you. Plus, there are no late fees or interest.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat app can I borrow $200 from?\u003c/summary\u003e\n\u003cp\u003eAll the apps on our list offer $200 or more, but note that this amount may not be available right away or it may take more than one loan to reach the desired amount. Most cash advance apps offer less than $200 for first-time borrowers.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\r\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\r\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eRead more\u003c/h3\u003e\r\n\r\n\r\n\r\n\u003cli\u003eOur ranking of the \u003ca href=\"https://fortune.com/recommends/banking/the-best-cd-rates/\"\u003ebest CD rates\u003c/a\u003e can help you find term deposits to meet your goals.\u003c/li\u003e\r\n\u003cli\u003eThe \u003ca href=\"https://fortune.com/recommends/banking/best-jumbo-cds/\"\u003ebest jumbo CD rates\u003c/a\u003e can help you maximize your earnings on big deposits.\u003c/li\u003e\r\n\u003cli\u003eMaximize your returns with one of the \u003ca href=\"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/\"\u003ebest high-yield savings accounts\u003c/a\u003e.\u003c/li\u003e\r\n\u003cli\u003eEarn a better return on your balance with one of the \u003ca href=\"https://fortune.com/recommends/banking/best-savings-accounts/\"\u003ebest savings accounts\u003c/a\u003e.\u003c/li\u003e\r\n\u003cli\u003eWhip your finances into shape with one of the \u003ca href=\"https://fortune.com/recommends/banking/best-budgeting-apps/\"\u003ebest budgeting apps\u003c/a\u003e.\u003c/li\u003e\r\n\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e","databaseId":3457917,"dateGmt":"2023-01-16T16:06:00","dek":"","description":"Understand the inner workings of cash advance apps, and see which one may fit your needs.","faq":[{"answer":"Our top-rated pay advance app is Varo, which allows users to repay advances 15–30 days later on a flexible schedule, splitting up the payments as needed. Initial advances can be up to $250 and with time, customers can increase that to $500. The app requires $800 in monthly direct deposits to a linked checking account to qualify.","question":"What is the best pay advance app?","__typename":"FaqField"},{"answer":"Current is a simple app to use if you want a cash advance. It only requires a minimum payroll deposit of $500, whereas many competitors require much more. Additionally, you’re not required to have a Current bank account to get the money. Dave is also an easy-to-use app that takes minutes to set up and doesn’t charge interest or late fees.","question":"What is the easiest cash advance app to use?","__typename":"FaqField"},{"answer":"EarnIn, Dave, and Empower all have options to receive instant access to a cash advance. However, there typically is a small fee associated with this, often 1% to 5% of the transaction. Usually, you can save that fee if you’re willing to wait up to an hour for a normal deposit.","question":"What app will let you borrow money instantly?","__typename":"FaqField"},{"answer":"From our list, Payactiv offers up to $1,500. However, you’ll need your employer to participate in the app in order to qualify for an advance. It works to receive money you’ve “already earned” right after you’ve worked, instead of waiting for your paycheck.","question":"What app gives the largest cash advance?","__typename":"FaqField"},{"answer":"EarnIn, Dave, and Empower all have options to receive instant access to a $100 cash advance. The amount you’re able to advance depends on many factors, such as spending habits, employment history, and income stability.","question":"How do I borrow $100 instantly?","__typename":"FaqField"},{"answer":"Empower offers flexible repayment, so you can pay back your cash advance when the funds are available to you. Plus, there are no late fees or interest.","question":"What app gives you money instantly without a job?","__typename":"FaqField"},{"answer":"All the apps on our list offer $200 or more, but note that this amount may not be available right away or it may take more than one loan to reach the desired amount. Most cash advance apps offer less than $200 for first-time borrowers.","question":"What app can I borrow $200 from?","__typename":"FaqField"}],"featuredMediaType":"image","floatingNavContent":"\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#apps\"\u003eOur top 10 cash advance apps\u003c/a\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#earnin\"\u003eEarnIn\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#current\"\u003eCurrent\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#varo\"\u003eVaro\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#chime\"\u003eChime\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#solo-funds\"\u003eSoLo Funds\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#vola\"\u003eVola\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#payactiv\"\u003ePayactiv\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#dailypay\"\u003eDailyPay\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#albert\"\u003eAlbert\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#brigit\"\u003eBrigit\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#definition\"\u003eWhat is a cash advance app?\u003c/a\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#advance-vs-loan\"\u003eCash advance vs. payday loan\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#pros-and-cons\"\u003ePros \u0026amp; cons\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#safety\"\u003eAre cash advance apps safe?\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#right-for-me\"\u003eIs a cash advance right for me?\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#alternatives\"\u003eAlternative options\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#methodology\"\u003eOur methodology\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#faqs\"\u003eFAQs\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","floatingNavTitle":"On this page","footnotes":null,"id":"cG9zdDozNDU3OTE3","image":"https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg?resize=1200,600","imageCaption":"Cash advance apps can come in handy for consumers dealing with unexpected costs.\n","imageCredit":"Getty Images","keywords":"","link":"https://fortune.com/recommends/banking/cash-advance-apps/","metaTitle":"10 best cash advance apps for November 2024","modifiedGmt":"2024-11-26T21:02:37","pageType":"evergreen","platformCD":"recommends","postId":3457917,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"Follow Fortune Recommends on \u003ca href=\"https://www.linkedin.com/showcase/fortunerecommends/\" target=\"_blank\" rel=\"noopener\"\u003eLinkedIn,\u003c/a\u003e \u003ca href=\"https://twitter.com/fortunerecs\" target=\"_blank\" rel=\"noopener\"\u003eX\u003c/a\u003e, and \u003ca href=\"https://www.tiktok.com/@fortunerecs\"\u003eTikTok\u003c/a\u003e.","bylineCommentary":null,"mediaItem":{"altText":"Woman texting on her smart phone and smiling","caption":"Young woman texting on her smartphone and smiling. Female reading text messaging on her mobile phone.","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg"},"__typename":"Settings"},"premiumCategory":{"name":"F-Search","premiumCategoryId":447850669,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-search-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"Roundup","primaryTagId":447854067,"link":"https://fortune.com/tag/roundup/","uri":"/tag/roundup/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Banking","primarySectionId":447854038,"link":"https://fortune.com/recommends/banking/","uri":"/recommends/banking/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"","relatedVideoType":"no_video","reviewedBy":{"funFactHeader":"","funFactValue":"","image":"https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=150","name":"Abigail Rueger","role":"Deputy Editor, Banking","shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eAbigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. \u003c/span\u003e\u003c/p\u003e\n","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/abigail-rueger-9a8941129/","twitterUrl":"","__typename":"ReviewerSocialUrlsFields"},"uri":"/author/abigail-rueger/"},"sectionNames":["Banking"],"sections":[{"name":"Banking","sectionId":447854038,"slug":"banking","__typename":"BrandedArticleClassificationSectionFieldsFields"}],"series":[],"showModifiedTimestamp":1,"socialDescription":"A cash advance app can help you out of a tight spot, whether you have an unexpected expense or bills you're unprepared to pay for. Here's what you need to know.","socialTitle":"Need cash fast? A cash advance app could help. Here are our top 10","stickyCta":null,"tagNames":["Featured","no copyright","Rankings and Roundups","Roundup"],"tags":[{"name":"Featured","tagId":447860752,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"no copyright","tagId":447849520,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Rankings and Roundups","tagId":447865369,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Roundup","tagId":447854067,"__typename":"BrandedArticleClassificationTagFieldsFields"}],"templateType":"landing_page","thumbnailUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg","title":"10 best cash advance apps for November 2024","topicNames":[],"topics":[],"url":"https://fortune.com/recommends/banking/cash-advance-apps/","videoId":null,"widgetCss":null},"dataLayer":{"pageTypeCG":"article","platformCD":"recommends","articleNameCD":"10 best cash advance apps for November 2024","authorNameCD":["Katherine Haan"],"categoryCG":"banking","cmsCategoryCD":"evergreen","CMSSubCategoryCD":["Featured","no copyright","Rankings and Roundups","Roundup"],"contentCMSID":3457917,"HasVideoCD":false,"premiumCategoryCD":"F-Search","publishDateCD":"January 16, 2023","subCategoryCG":["Banking"],"articleCategoryCD":"banking"},"headData":{"authors":"","canonicalUrl":null,"databaseId":"3457917","dateGmt":"2023-01-16T16:06:00","description":"Understand the inner workings of cash advance apps, and see which one may fit your needs.","faqSchema":"{\"@context\":\"https://schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Our top-rated pay advance app is Varo, which allows users to repay advances 15–30 days later on a flexible schedule, splitting up the payments as needed. 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