Cash Advance

The Best Cash Advance Apps in 2023

Here’s how to avoid getting trapped in the payday loan cycle ❌

Three phones with money amounts on them

What is a cash advance?

A cash advance allows you to borrow small amounts of money quickly and easily.

And it’s pretty simple.

You usually receive the funds within three working days but if you’re looking for an instant cash advance, you can pay a fee to receive it on the same day.

(PSA: If you’re in a tight spot right now, Cleo can potentially spot you up to $250. Eligibility requirements apply.)

In need of a quick spot this month? Here’s list of some of the best cash advance apps in 2023 🚀

1) Chime

Chime offers a fee-free overdraft service called SpotMe.

According to ValuePenguin, the average overdraft fee is $35. You won’t be charged any of that with Chime. They’re nice.

Goodbye bank fees. It was horrible knowing you 🙃

You’ll usually start off with a $20 limit but this might increase over time.

To be eligible, you’ll need to have at least $200 worth of qualifying direct debits into your Chime account each month. And you’ll also need to have an active Chime debit card.

💵 Maximum amount: $200
🏦 Fees: Option to tip and no late fees
✅ Repayment: Your next payday
🔎 Credit check: No
📈 Interest: No

2) Klover

If eligible, you could get a cash advance of up to $200 to help you with bills until your next payday.

With Klover, you’ll also have access to other handy financial tools such as budgeting features to help you reach your money goals.

Some of which include:

  • Create spend and save goals
  • Opt-in to track your credit score
  • Earn extra points when you save money

And unlike other financial institutions (you know who you are), if you find yourself struggling to make the payment back on time, you won't be charged any interest or late fees.

But always try to make the payments back on time as late payments can lead to poor financial habits, and that would totally suck.

💵 Maximum amount: $200
🏦 Fees: $3.99
✅ Repayment: Your next payday
🔎 Credit check: No
📈 Interest: No

3) Dave

Dave offers ExtraCash advance of up to $500 with no interest, credit checks, or late fees. You’ll find in the small print on Dave’s site, the average approved advance is $120.

And signing up just takes a couple of minutes.


You’ll also have access to Dave’s Automatic budgeting feature which will help you see how much you can spend whilst setting aside money for your bills.

And if you’re looking to make some extra cash, Dave could help you find a side hustle.

You can participate in surveys in the app and for each one you complete, you’ll get cash instantly into your Dave Spending Account.

💵 Maximum amount: $500
🏦 Fees: $1 monthly membership and no late fees
✅ Repayment: Your next payday
🔎 Credit check: No
📈 Interest: No

Looking for some more side hustle inspiration? Here’s How to Make Money on Fiverr.

4)Cleo 💙 The Gig Worker Cash Advance App 💙

We’ve put Cleo last, because we’re humble.

And totally unbiased.

Other cash advance apps may require a specific income, but not Cleo 💖

She believes everyone should be able to apply for a cash advance, whether you’re a gig worker, in part-time or full-time employment.

Cleo’s cash advance** is interest free and there’s no credit checks. And unlike payday loans and overdraft fees, she won’t affect your credit score.

💵 Maximum amount: $250
🏦 Fees: $5.99 monthly subscription and no late fees
✅ Repayment: It’s up to you when you want to repay
🔎 Credit check: No
📈 Interest: Hell no

So, why Cleo?

🚀 No credit checks or interest
🚀 No direct deposit
🚀 Get help creating and sticking to a budget
🚀 Personalized tips on how you can save more
🚀 Get roasted for wasting money

Interested? Check out How to Get a Cleo Cash Advance for more information.

What do our users think?

💙 ”Very entertaining with the humor, love the experience of interacting with Cleo. Love the cash advances too, so easy to borrow with just a few clicks. Easy to use app, no issues and easy to navigate.” Shawn H. Trustpilot review*

Cleo is the cash advance app that can help you escape the cash advance cycle. How? By creating a budget that works for you (not the other way round), so you can save each month. And did we mention the budget feature is free?

Enjoy this post? Give it a share or send it along to a friend. You never know, it could make a big difference.

Big love. Cleo 💙

*Real review. Individual results may vary.

**The Cleo Plus subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, and access to cash advances if eligible.

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