Payroll Advance Apps


Life has always been hard for most of us. Money has never been easy to earn. In fact, most people work more than 2 jobs or around  18 hours a day just to bring home a decent income. The hardest part about earning income is checking account while waiting for the money to be credited to your account.

Need Money Fast?

If you are like most people, income is mostly credited on a semi-monthly or monthly basis. That would mean that there will be days of no money until payday loan or borrow money options come.

Good thing technology is coming into play and there are a number of ways to get by until payday such as advance app. Payday Advance App is great and can offer help for emergency funds. Unlike credit cards and bank loans, payroll advance apps are fast and easy to access.

Best Cash Advance Apps to Use in 2022

We have made it easier for you by looking into the best cash payday advance app that you can use in 2022. There is no need for you to look for cash advance app further because all you need to know about cash advance apps to borrow money are listed here for your convenience.



First on the list is the advance app, Dave. This payday loan  app was founded back in 2017 and has proven useful to users in avoiding bank overdrafts. The best thing about this cash advance app is not just about being able to borrow money to cover expenses.

Aside from this, Dave also has a feature called “Side Hustle”. This feature provides a way for users to earn money through side gigs or part-time job offers. This is the best app to avoid fees in cash advances.

  • Loan amount: Advance app users with a Dave spending account can borrow from $5 to $200 while users without it can borrow up to $100.
  • APR: Annual percentage rate for a payday loan is lower compared to personal loans or credit cards which only comes out to around 260%
  • Minimum Credit Score: There is no minimum credit score required in order to use the Dave app.
  • Credit check: Only a bank account is needed to be able to borrow money.
  • BBB Rating: Dave app has a BBB rating of B
  • Fees: Instead of interest rates. Dave only requests donations in tips.


  • No interest fee advance and only a monthly membership fee of $1
  • No credit checking to put up an account
  • There are budgeting app features and even part-time job hunting features
  • Credit building is possible if repayments are paid on time
  • Tips are optional but a portion of it goes to Feeding America, a nonprofit organization
  • Funding within 8 hours with payment of express fee


  • Ongoing monthly membership fee of $1 regardless of advance app usage
  • If payment is late, Dave may automatically deduct advances
  • Maximum loanable amount is limited to $250
  • Requires a bank account which does not apply to most income earners.


moneylion loans

Moneylion is a financial payday loan technology company that has been a key cash advance app player in the industry for more than 5 years. It is one of the leading cash advance apps in the market to borrow money.

When it was founded in 2013, the company targeted most American consumers that do not have more than $2000 in savings.  The company earns from monthly advance app subscriptions and other services for premium members. This app is best for credit building.

Users may qualify for MoneyLion’s feature called Insta Cash advance if they have a verified checking account. This account should at least be active for the last two months prior to application and have a direct deposit positive balance with recurring deposits of at least $250. This feature can be requested through the app and funds will automatically be deposited to the enrolled account on the date specified.

  • Loan amount: $25 up to $250
  • APR: 156%
  • Minimum Credit Score: None required
  • Credit check: None required
  • BBB Rating: C+
  • Fees: $1 monthly fee or $19.99 (MoneyLion Core)


  • Many products offered with varying fees for services offered
  • Credit-Builder Loans for users with good standing
  • Crypto Trading for Bitcoin and Ethereum
  • Credit Monitoring feature for members of Credit Builder Plus ($19.99 monthly fees)
  • Also offers banking accounts for $0 minimum direct deposit
  • Members have access to over 55,000 ATMs without fees
  • Earn rewards with Loyalty Program


  • Monthly rates regardless of usage
  • Credit-Builder loans are high upon late or non-payment
  • Out-of-Network ATM Fee of around $2.50
  • Must have an active bank account with positive balance
  • Funds will take up to 5 days to be credited for free service


Varo was founded back in 2015 as a mobile application that offers completely mobile savings and checking accounts. Varo Advance is a program for customers who have a Varo Bank Account that is at least 30 days old.

This account should at least have around $1,000 in deposits to qualify for instant cash up to $100 only. There are no interest charges to borrow money as long as the cash advance is paid within 30 days.

Customers are also limited to just one outstanding Cash Advance at a time.

  • Loan amount: $20 up to $100 only
  • APR: depends on loaned amount
  • Minimum Credit Score: Average of 600-750 credit score
  • Credit check: At least $1000
  • BBB Rating: A+
  • Fees: Fees depend on cash advance amount


  • No monthly fees
  • No overdraft fees
  • Users have access to over 55,000 ATMs without fees
  • High rate for savings
  • All mobile experience and perfect for tech-savvy clients


  • Cash deposits have fees because of third-party charges
  • Varo has a mobile checking account but does not provide paper checks



Chime is not just a mobile company because it also offers savings as well as checking accounts. Chime is the advance app best known for its overdraft protection and payday credit builder loans.

SpotMe is Chime’s feature for overdraft protection and allows users to go negative even up to the approved cash amount.

Chime is only open for US citizens to borrow money, at least 18 years of age with a valid US address. This app is best for financial product protection from overdrafts.

  • Loan amount: $20 up to $200 depending on the activity in the account
  • APR: 104.3%
  • Minimum Credit Score: None required
  • Credit check: None required
  • BBB Rating: Not accredited
  • Fees: No fees but have optional tips


  • Access to over 60,000 ATMs without fees
  • SpotMe overdraft protection
  • Daily notifications for balances are sent instantly
  • Deposits can be received 2 days before payday
  • No monthly fees required
  • Users can build and jumpstart credit standing because it does not require credit checking


  • $2.50 for out of network ATMs
  • Chime is all digital and does not have a physical bank to visit
  • There is no support available 24/7


The best thing about CashNetUSA advance app is that they do not require a strong credit score to take out a payday loan. However, despite its name, this is only available in 29 states and fees vary depending on location.

The type of loan or cash advance you may get approved for will also depend on the state you are located in. Though rates are high, CashNetUSA will see past your low credit score and help rebuild it.

  • Loan amount: $100 up to $600
  • APR: up to over 1000% in other locations like Rhode Island, Nevada, Michigan, etc.
  • Minimum Credit Score: None required
  • Credit check: None required
  • BBB Rating: None
  • Fees: Depends on location


  • Users may qualify even without credit standing
  • Easy application without credit check
  • Has 24/7 customer service


  • Relatively high-interest rates
  • Fees vary on location
  • Not readily available in all states



Sofi offers unique perks like Money Vaults, a savings tool that can help users put up savings goals. It is a fintech company that has banking options, investment accounts and offers loans.

It should be noted, however, that there are no physical locations because transactions are done purely on mobile.

Member perks include access to exclusive events, discounts, career coaching, and free financial coaching. Sofi does not offer a stand-alone checking or stand-alone savings account. Sofi offers a combined savings and checking account.

  • Loan amount: cash advance up to $50
  • APR: up to 25.24%
  • Minimum Credit Score: None require
  • Credit check: At least $1000 in direct deposits required
  • BBB Rating: A+
  • Fees: No monthly service fee or hidden fees


  • Overdraft coverage up to $50
  • High-interest loans rate
  • No opening deposit minimum
  • No monthly fees to be paid
  • Paycheck arrives early and can be received as fast as 2 days before payday
  • No fees for out of network ATM withdrawals
  • Free access to over 50,000 ATMs
  • Create multiple Money Vaults (up to 20)
  • Combined savings and checking account


  • Available online only
  • Limited customer support from 5 am to 7 pm Monday to Thursday or 5 am to 5 pm Friday to Sunday
  • Limited overdraft coverage


Earnin is unlike other financial services apps. They claim that Earnin is not a loan app but lends out funds that are needed to be repaid through direct deposits. Legally, according to its terms, Earnin can not demand repayment because of this. This is the best app for employees who work full time.

It has Cash Out that allows its users to get wages in advance even though they have not yet been paid by their employers. Earnin also connects to the user’s debit account and offers Health Aid that could help users with medical bill payment options.

The app has extra features like the Balance Shield Alert which notifies users when their account balance goes below a certain amount. The great thing about the Balance Shield Alert is the fact that Earnin actually sends an amount to your direct deposit account in order to avoid overdraft fees when the balance goes below the amount previously specified.

  • Loan amount: $100 to $500
  • APR: 9.95% up to 35.99%
  • Minimum Credit Score: No minimum credit score required
  • Credit check: No credit check or credit report necessary – only a bank account or direct deposit account
  • BBB Rating: A-
  • Fees: There are no mandatory fees needed to use the app or checking account


  • No small-dollar loans fee or interest rates
  • App sends alerts when the balance is low
  • Early access to paycheck
  • Great for employees with electronic timesheet and specific work location
  • Optional tip donation, capped at only $14
  • Balance Shield Alert to notify against overdraft fees
  • Health Aid feature offers assistance on medical bills.


  • Withdrawal limits are low
  • App can only be accessed by users with direct deposit
  • Timesheet required as proof of employment
  • Without a timesheet, a geographic location of the workplace is needed
  • Balance Shield Alert can only protect your account once for free
  • Recurring Balance Shield requires a certain fee of around $1.50


Empower believes that everyone should be included when it comes to good credit. Users can easily transfer money through bank accounts even without a credit score. Credit history and credit health dictate what a person can afford in credit like a car, insurance, rent for an apartment, and even a job.

Empower can health jumpstart a user’s credit standing. Empower has various products like Cash Advance and Thrive that help users start with a $200 credit line.

Empower Cash advance does not require a credit check but requires a bank account history. A cash Advance of around $250 can be received without fees.

Empower debit cards can be used anywhere and works with Samsung Pay, Google Play, and Apple Pay for convenience. The app also has an Autosave feature that allows users to set up a weekly goal for savings in order to build funds for emergencies.

  • Loan amount: up to $250
  • APR: 35.99%
  • Minimum Credit Score: None required
  • Credit check: None required
  • BBB Rating: D rating
  • Fees: $8 per month after the 14-day trial period


  • Earn cashback up to around 10% on spendings
  • No fees for more than 37,000 ATMs
  • Empower card for cash advances


  • Expensive monthly fee after trial period
  • No cash and deposits for mobile checks
  • Platform is mobile only (for now)


Klover is a fintech app available in both the App Store and Google Play that offers cash advances option without charging fees for basic services. However, additional features can be charged up to $2.49.

It is perfect for users with regular paychecks in need of a small advance to get through until payday comes. A checking account with at least a $250 minimum deposit and regular bi-weekly or weekly activity is required.

Funds may be available within 3 business days if registration is free but if the user opts to pay around $1.99 to $14.99, depending on the registration option chosen, funds may be available within the same day.

  • Loan amount: up to $100
  • APR: capped at 28%
  • Minimum Credit Score: None required
  • Credit check: None required
  • BBB Rating: Not accredited
  • Fees: No fees for cash advance crediting within 2-3 days but charges $2.49 for same day turnaround time


  • Users can increase the amount to be advanced from paycheck
  • Advances can be “Boosted” by taking surveys, scanning receipts, inviting friends to use the app and answering various questions depending on location
  • Available in all states
  • Financial dashboard that shows spending categories and trends on cash spending


  • Loan amount is only up to $100
  • Monthly fee of $2.49 for same day cash advance
  • Basic cash advance with no fees may take up to 3 days turnaround time


Affirm is a fintech company founded back in 2012. It is more of a buy now pay later site that provides users with a credit of at least 4 months to purchase in accredited online shops.

They do not loan out cash per se and earn commissions from accredited online lenders or online shops. In fact, Affirm is the exclusive partner of Amazon for buy now pay later options until January of 2023.

Technically, Affirm is not just a financial app but more of a payment option. You may be in an online store application like Amazon and given Affirm as a payment option upon checkout. Once Affirm is chosen as a payment option, users will then be redirected to the app to confirm the purchase.

  • Loan amount: The purchase price of products to be bought up to $17,500
  • APR: 0% to 30% depending on terms
  • Minimum Credit Score: None
  • Credit check: None
  • BBB Rating: None
  • Fees: No upfront fees but may have interest depending on terms


  • Early payment is not charged fees
  • Purchases can be paid in monthly installments and not in lump sum
  • No fees to be paid upfront
  • Some merchants offer 0% interest rates
  • Pre-qualification offered


  • None payment or late payment can affect credit score
  • On-time payments are not reported to three major credit bureaus
  • Interest rates up to 30%
  • Limited accredited retailers


Possible Finance is a lending platform. Unlike payday loan apps, Possible can be used by people with no credit standing or low credit score. Repayment is not necessary on the next payday and personal loan payment can be done within 2 months.

  • Loan amount: up to $500
  • APR: 150% to 200%
  • Minimum Credit Score: None required
  • Credit check: None required
  • BBB Rating:
  • Fees: Varies depending on state location


  • On-time payments are reported and affect credit score
  • Helps build credit score
  • Easy application in as fast as 60 seconds
  • Funds can be deposited ready for withdrawal in minutes
  • No credit checking and can be applied for even with bad credit
  • Payment can be laid out in two months


  • Only available in 21 states
  • Limited loanable amount only up to $500
  • Must be linked to bank account
  • Higher APR compared to other payday loans and credit cards

What are Cash Advance Apps?

Cash Advance apps can help users jumpstart their current cash flow in a cost-effective way. There are no interest rates for most cash advance apps and may only require a minimal monthly subscription for under $10.

How Cash Advance Apps Work?

Basically, cash advance apps allow income earners to have funds deposited directly to their bank account even before payday then payment will be automatically deducted from the same bank account on the date specified in the agreement.

Just by the name, cash is deposited in a user’s bank account in advance. Most cash advances or payroll advance apps or payday advance apps require proof of employment like a timesheet. This is very convenient for employees with electronic timesheets.

This is to ensure that money is really scheduled to be received on a specific date. The amount credited in advance will then be automatically deducted when net pay is received.

Depending on the app used, cash advances offered are small amounts and will only range from around $5 to $300, depending on the amount of salary expected to be received on payday.

Cash advance apps may also require a membership fee, optional tips, or monthly subscriptions starting at $1. These monthly subscriptions are due monthly regardless of how seldom or often the app is used but membership fees are usually only required upon enrolment to the app. Tips are optional and apps swear that every user gets the same quality of service regardless of tips.

How to Get Cash in Advance?

Various payday loans apps have different dashboards or layouts but generally offer similar features. Here are some ways to get Cash in Advance through online apps.

  1. Download the Cash Advance App of your choice
  2. Register and open your own account
  3. Login to your account
  4. Setup Cash advance terms
  5. Receive Cash in a designated bank account
  6. The pay period for cash advances is usually scheduled when payday comes

It is that easy! Just make sure to follow the directions depending on the cash advance app of your choice. Some apps do not require a bank account but may provide users with a credit line that can be used for purchases. Make sure to pay on time within the scheduled pay period or on the date specified to avoid paying for fees and charge interest fees.

Alternatives to Cash Advance Apps

There are plenty of alternatives to cash advance apps. Generally, cash advance apps provide lower rates and faster turnaround times. Also, payday cash advance apps need to be paid by payday or fees will be incurred. So here are other financing options you can take a look into:

  • Installment Loans

Installment loans need to be paid in scheduled and regular installments. If payment is not done on time, fees may be charged. So, if a user is not able to pay within the scheduled per pay period 2 months in a row, interest rates will be charged for both unpaid months.

Examples of installment loans may include real estate loans, car or auto loans, and even student loans. The advantage of installment loans is that it includes flexible short-term loans at lower rates but terms may be longer as well. Also, if a client fails to pay multiple times, collateral may be ceased by the lending institution by default.

  • Personal Loans

Personal loans are loans applied for to pay for personal finance or unexpected expenses and may be secured with collateral or unsecured depending on the lending institution and amount of loan. A personal loan may cover upcoming bills, medical bills, debt payments or consolidation, home renovation, and the likes. They are different from installment loans because they are used to fund specific personal expenses.

  • Peer-to-Peer lending

Peer-to-Peer lending or P2P lets individuals loan from other individuals. This cuts out the middleman which is the financial institution. It is also known as crowd lending or social lending. There are P2P websites like Prosper, Lending Club, and Upstart that connect individuals directly to people who are willing to invest and lend their money.

The problem with these alternatives is time. It may take a while to be approved for installment loans, personal loans, and P2P lending

Cash Advance Apps vs Payday Loans

Please refer to the table below for a side-by-side comparison between cash advance apps and payday loans

FeatureCash AdvancesPayday Loan
Interest RatesTypical around 24% APR without additional feesAround 400% and up
Minimum Loan Amount$100$100
Maximum Loan AmountOnly up to $2500Only up to $2500
FeesMay range from $1-$20 or 5% of transactionFinance charges up to $30 for every $100 borrowed
Eligibility RequirementsCredit Card or App RegistrationBank account and ID
TermMinimum 7 days to a maximum of 30 daysMinimum 7 days to a maximum of 30 days
Report to BureausNoNo
Credit CheckNoNo

How to Find the Cash Advance App

There are plenty of options to choose from when looking for a cash advance app. So, it is important to know what to look out for and study the rates provided. Here are some things to check out:

  • Fees

There are apps that do not require registration fees but require a recurring monthly fee regardless of activity on the app. Make sure to weigh all the fees involved and choose the most cost-effective one. Sometimes, it would be better to pay for a one-time registration fee than a recurring monthly fee regardless of usage.

  • Repayment terms

Most cash advance apps require payment within 7 days or by scheduled payday. But there are also options to extend in exchange for a fee. So make sure to consider the term and pay period on time to avoid additional charges. Before confirming the payment schedule, make sure that payroll is indeed scheduled on that date.

  • Cash Limits

Not all apps offer cash advances or the same amount of loanable cash. There are apps that are limited to $100 but some can offer more. Once repaid, this said loanable amount may also increase. So, make sure to loan an amount that will be fully covered by your payroll.

  • Customer Reviews

It is always a wise decision to read customer reviews to get a good hold of customer satisfaction. If other users are not satisfied with the app’s performance, you are more than likely to experience the same kind of service.

Take Note That

Cash Advances

You can easily download these apps and forget about other costs involved in loaning from a bank but it is not without related payment dues. Most cash advances apps charge users for subscriptions.

Bank Account

Most financing apps require an active bank account. This is where funds will be placed ready for withdrawal at any ATM. However, there are also apps that do not require a bank account because funds are automatically credited into the app that can then be used to purchase. Examples of purely mobile transaction apps include Affirm and Possible.


  • Can you borrow from a cash App?

Yes. Cash apps make it possible for anyone to borrow money immediately and get up to $250 in cash that is readily available. Users may withdraw cash in more than 50,000 ATMs without fees.

  • What apps will let me borrow money instantly?

There are plenty of apps that let users borrow money instantly. We have reviewed the best ones including Earnin, Dave, Varo, Moneylion, Chime, CashNetUSA, Sofi, Empower, Klover, Affirm, and Possible

  • What apps will give you a cash advance?

Out of the list above, the best options for a cash advance may be further limited to Earnin, Dave, Chime, and Moneylion.

  • What apps let you borrow money instantly without direct deposit?

You can borrow money instantly even without direct deposit using Chime, Dave, Earnin, Empower, and Moneylion.

  • How can I get advance cash?

Anyone can withdraw money from a secured credit card account using any ATM as a credit card cash advance. If without a credit card from any credit card issuers, fintech apps like Earnin, Dave, Varo, Moneylion, Chime, CashNetUSA, Sofi, Empower, Klover, Affirm, and Possible can help you out.