8 Best Cash Advance Apps That Cover You Until Payday

Cash Advance Apps: Have you ever been in a situation where you need money urgently and don’t have any friends around to lend you some cash? I know, it’s not a pleasant situation. But don’t worry! I have a suggestion for you, do you know there are Apps that allow you to borrow money? I know!! You are excited. Keep reading this article to learn more about these apps.

There are apps that allow you to borrow money urgently and the process is quite easy, it requires a few minutes. Also, the fee is better when compared to traditional payday loans. Below are the top 8 apps for cash advances:

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   Dave: Best for Highest Cash Advance

Dave offers the highest cash advance, up to $500 as a result of its Extra Cash feature. Dave’s new members get a Dave Spending Account that enables them to get money immediately for a little fee. The processing time is 1-3 days but you can pay an express fee to get it done instantly.

For the replacement, the default setting is when your next paycheck arrives. However, you can change it. Dave charges a subscription fee of $1 per month. You have the option for instant cash but you will pay an express fee of 99 cents to $6.99 for Dave Spending Account and an external transfer fee of $2.99 to $11.99.

In addition, you get to build your credit when you make payment of the advance on time. Interestingly, there are no late fees, no interest is required on the advance and there are no credit score checks.

In summary, Dave offers the following:

• Up to $500 cash advance
• There’s no interest
• Help build a credit score
• Credit checks are not required
• Early payday
• Connects to digital banks
• Connects to digital banks
• There’s no late fee

For you to qualify for a higher cash advance, Dave advises you have the following:

• Monthly deposit of $1,000+
• Moderate spending patterns
• Connects to digital banks
• Bank account history
• A minimum of three recurring deposits

2. Empower: Best for Quick Cash Advances

Empower offers cash advances up to $250, you get instant cash advances when your account is linked to where you receive payroll deposits. Empower card receives up to 10% cash back on purchases and the card allows free transactions at 37,000 ATMs across the country.

Empower new product is Empower Thrive, it offers cash advances starting with $200 and it can increase to $,1,000 when you pay back cash advances on time. Also, it helps you build your credit score and inform credit bureaus of your payments. Empower charges a subscription fee of $8 but there are no late fees or interest.

In summary, Empower offers the following:

• Up to $250 cash advance
• There’s no late fee
• There’s no interest
• Early payday
• Up to 10% cashback
• The processing times are instant
• Replacement is at your next paycheck

To be eligible for Empower cash advance, check the app for the requirements. Here’s how to do it:

• Open the Accounts tab on the app
• Below the Cash Advance, click on “Check eligibility
• Check your paycheck account
• Click on “Continue”
• You will see a screen that views other ways to be eligible
• Click on “Details”

3. Earnin: Best for Earning-based Borrowing

Earnin is a payday advance app, it is best for a worker that earns hourly. The app monitors the hours you have worked and gives you access to your money according to your earnings. You can get paid today and have access to $100 per day and up to $500 per paycheck.

The processing time is 1-2 business days but you can opt for Earnin’s Lighting Speed to get the money instantly. Repayment is at your next payday. In addition, if you need an overdraft protection feature, you have to set a repeated tip.

How Earnin works:

• Link your Bank and inform them where you work
• Earnin will verify the hours you worked
• Once that is done, you can cash out instantly
• On your payday, you will receive a debit alert for the cash advance

The Earnin app is available on your iOS and Android devices.

4. 4. PayActiv: Best for Short-term Loans

The PayActiv app allows you to borrow money and also pay your bills. Also, it gives discounts on specific department store purchases and prescription medicine. You can recover your discounts directly in the app from stores that are connected to PayActiv. For instance, you can earn 10 cents per gallon with Murphy USA.

PayActiv app allows you to view what you earned and gives you access to it when you need it. Besides borrowing money and paying your bills with the PayActiv app, you can also use the app to book Uber rides.

PayActiv is free when you deposit directly your paycheck into your PayActiv card. But, when you don’t deposit there’s a $1 fee every day for each day you make use of cash access, pay bills,s and card load. If you decide to cash pick up at a Walmart store or you make an instant deposit to another card, you will pay a processing fee of $1.99. The transfer to a PayActiv card is instant but to another debit card is 48 hours.

5. Brigit: Best for Same-day Loans

Brigit offers a cash advance of up to $250 the very day you apply for it, as long as you submitted your application before 10 a.m. EST. Brigit has two plans: Free and Plus Plan. The Free plan allows you to get cash advances, alerts, analytics, and budgeting features.

The Plus plan has all the features of the free plan and also contains a credit builder, instant transfer, auto advance, and more. It cost $9.99 per month. Also, plus plan offers an insurance policy of $1M.

In summary, Brigit offers the following:

• Up to $250 cash advance
• There are no credit checks

• No interest rates
• Credit builder
• Registration takes less than 5 minutes
• Backed by Kevin Durant and Ashton Kutcher

In addition, the app set a repayment date but you can reschedule it when you have paid for two advances back on time.

6. MoneyLion: Best for Multiple Options

MoneyLion offers cash advances, financial tracking, and investment accounts. It gives up to $250 cash advance and offers a Credit Builder loan of up to $1000 without a credit check. You can get access to a higher loan amount if you have a RoarMoney account or when you belong to a Credit Builder Plus member.

When you have a RoarMoney account, the processing time is 24-48 hours. But if you want to deposit money to an external account, the processing time will be 3-5 days. You also have the option to get your money in minutes by paying a Turbo Fee.

In summary, MoneyLion offers the following:

• Up to $1,000 cash advance
• Early payday
• Cashback rewards
• Credit Building Program
• No credit history check
• No interest
• There are no late fees

If you want to access higher cash advances, below is what to do:

• Be a Credit Builder Plus Member
• Deposit directly to a RoarMoney account
• Complete the task in the MoneyLion app to be eligible for bonuses

To request advances in MoneyLion is quite simple. Follow the steps below to get it done:

• Open the app and click on “Accounts
• Check if you are eligible and the amount you can get
• If you are okay with the amount, go ahead to click on “Request”

For you to be eligible for a cash advance on MoneyLion, your banking account meets the following.

• Your account must be active
• Must be without a negative balance
• The account has been open for a minimum of 2 months
• You have regular deposits of income

7. Vola: Best for Same-day Cash Advances Up to $300

Vola offers same-day cash advances up to $300 without a credit check. It encourages more than 6,000 credit unions and banks. It has a subscription fee of $2.99 to $28.99. The repayment could be either automatically or manually on the due date.

8. Albert: Best for No Late Fees

Albert is a banking, savings, and investing app. It offers an instant cash advance of up to $250, auto repayment on your next payday, and there is no late fee.

You can get your money instantly with Albert instant. Also, you can get it in a few days for free.

To get Albert instant, you have to meet the following:

• You have had a direct deposit from the same employer in the last two months
• You did not spend it the following day
• Your linked bank account is more than two months
• There’s no negative balance

To request Albert’s instant cash advance is simple, check out the guide below.

• Go to the app home screen
• Then click on ‘Instant’

When you repay on the next payday, the company will regularly review your account so as to calculate your qualifications and possibly increase or decrease the limit

FREQUENTLY ASKED QUESTIONS

• What apps give you instant cash advances?

Cash advance apps like Earnin, Dave, and Brigit let you borrow a little cash from your next paycheck before you receive it. It helps if you need cash urgently.

• How can I borrow $200 from cash App?

How To Borrow Money From Cash App Borrow

1. Open the Cash App.
2. Click on your Cash App balance
3. Locate the “Banking” header.
4. Search for the word “Borrow.”
5. Once you see “Borrow,” you can take out a Cash App
6. Select “Borrow.”
7. Then, click on “Unlock.”
8. The App will tell you how much you can borrow.

• Can you get a cash advance online?

Most lenders will allow you to complete your application online, in just a few minutes. You need to present your personal details such as your name, email address, and Social Security number. The application process for Advance America’s online cash advances can take less than 5 minutes.