The Top 5 Cash Advance Apps to Borrow Money From In 2023

‍Looking for Apps that Give You a Cash Advance? We Got You.

You know the feeling. You’re all set to glide to payday. And then you find yourself with a broken-down car. Or some other unexpected expense.

Obviously, the best way to avoid this is to set up a rock-hard budget, but

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1. That’s not the sexiest option.
2. Unexpected expenses can come out of nowhere.
3. Crazy-high inflation can temporarily derail even the tightest budget right now.

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This is where sneaky overdraft fees and predatory payday loan apps come in, designed to trap you in a downwards money spiral. (Don't even get us started on all the reasons why "overdraft protection" is BS.) It doesn't have to be this way, babe!

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Get up to a $250 spot* with no credit check

If you're having a hard time with bills this month or you're about to overdraft, we'll just mention that Cleo can spot you up to $250:

• Download Cleo
• Sync up your bank account
• Check your eligibility in 2 minutes

No credit checks, interest, or employment verification.

(Eligibility requirements apply).

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What’s the Best Cash Advance App?

If you do need a little help tiding you over until the end of the month, cash advances are a great alternative to those payday loans that are really out there charging 600% interest. That’s because cash advances rely on money you already have coming in your paycheck, and many don’t charge interest on this.

We’ve compiled the best money apps for cash advances, with some hacks on how to get out of the paycheck-to-paycheck cash advance cycle at the end.

These incidentally also sound like a cool group of friends in an old people’s home. Brigit. Dave. Earnin (Ernie?). Albert. Cleo. So to spice things up a bit we’re also gonna add a random character assessment of what they would be like as an elderly relative giving you money. Tag yourself. I’m Albert.

Now let's meet our first instant cash advance app.

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Which Apps Give Instant Cash Advances?

Brigit: Best Cash Advance App for Quick Money

💰 Cash advance limits: Up to $250

⏱️Time to arrive: The money arrives on the same day if you apply before 10am EST. Otherwise, it’ll be the next business day.

💲 Fees: To access the cash advance, you have to sign up for Brigit’s paid plan, which is $9.99 a month.

✋ Repayment: The app sets the repayment date as per your income schedule. If you pay two advances back on time, you can reschedule this.

👵 Random character assessment: At first you think Brigit is kind of strict because she makes you arrive so early. But you come away from a summer of doing chores for her realizing the early bird… kind of does catch the worm. It’s a teachable moment.

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Dave: Best Cash App for a Large Cash Advance

💰 Cash advance limits: Up to $500. (However, hidden in their help center is where you find out you most likely won’t get $250 your first few times.)

⏱️ Time to arrive: Three days, or 8 hours if you opt to pay an express fee.

💲 Fees: Dave’s subscription fee is $1 a month. You can also leave an optional tip.

If you opt for instant cash, you’ll pay an express fee of 99 cents - $6.99 for Dave Spending Account and $2.99 - $11.99 for external transfers.

✋ Repayment By default, it’s the day your next paycheck arrives, but you can change the date.

🔴 Requirements: To qualify for Dave you need to have at least $1000 worth of income a month deposited into your account. Dave will also check your income history and spending patterns.

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Earnin: Best Salary-based Cash Advance App

💰 Cash advance limits: Earnin has a unique money lending system. It tracks the number of hours you have worked and allows you to access money according to your earnings. This starts at $100 initially, and goes up to $750 after time.

⏱️ Time to arrive: With Lightning Speed, you could receive your Cash Out within 30 minutes. Otherwise, it takes around 1-2 business days.

💲 Fees: Earnin uses a voluntary tip model.

✋ Repayment: Next payday.

🔴 Requirements: You must be employed in a physical location or have an electronic time management system.

👴 Random character assessment: Ernie doesn’t fully understand your remote job. He likes everything on paper. He gives you money on your birthday, but he’ll put a stop to it if you ever forget to send him a thank you note.

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Albert: Best All-Rounder Cash Advance App

💰 Cash advance limits: Up to $250

⏱️ Time to arrive: Instantly for a fee, up to 3 days otherwise

💲 Fees: No fees to advance cash instantly if you advance it to Albert Cash; instant advances to an external account will pay a small fee. There are no late fees, either.

👴 Random character assessment: Albert is sweet. He has a nice smile. He’s probably wearing a cardigan and wants to show you his roses in his back yard.

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Cleo: Best App for Self-employed Workers

(You might have noticed that you’re literally on the Cleo blog right now. But we put Cleo last because we’re humble.)

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💰 Cash advance limits*: Up to $250

⏱️Time to arrive: 3-4 working days, or today for $3.99.

💲 Fees: Cleo Plus is $5.99 a month and gives you access to the cash advance.

With this you get access to a buttload of other cool features that are designed to help you eventually stop needing a cash advance.

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Stuff like:

💙 Cash back on your favorite stores

💙 Roundup and autosave, to help you build savings while you spend

💙 A budgeting tool that’s ridiculously easy to use and personalized to your spending

💙 A place to monitor your credit score (so you can see if that missed Klarna payment came back to haunt you 👻)

💙 Roast mode, to hold you accountable for your late night Amazon binges

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🔴 Requirements: No credit checks, no interest, no late fees.

You connect your bank account and our algorithm calculates your eligibility.

📍 Cleo hack: To improve your eligibility (AKA access more money), connect Cleo to your most used checking account. The one you get paid into.

Cleo is freelancer friendly, too. There isn’t a specific income requirement, and we don’t have to verify your employment status.

✋ Repayment: You set your repayment terms

👵 Random character assessment: Cleo is glamorous. And hilarious. She kind of scares you. She has lived a thousand lives. She will give you money and tell you how to use it. The advice is fire.

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Ready to party with Cleo? 🍸

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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 💙

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*Cleo Plus is our subscription service, which offers eligible users cashback on your money, information on your credit score, and access to cash advances (“Cash Advance”). Advance amounts will vary based on eligibility. If you don’t want to subscribe, you can also apply for cash advance by contacting our customer service at team@meetcleo.com. To learn more about eligibility, repayment, and overall terms, please visit: meetcleo.com/terms.