Fees checked against each app’s own terms Not financial advice
Best Cash Advance Appswhat each one really costs
Ranked by true cost

Cash advance apps, ranked by what $100 really costs

In brief

For a $100 advance delivered instantly and repaid in 14 days, the cheapest app on its own published terms is Albert at $0.00; the most expensive is B9 at $24.98, the same as 651% APR. The middle of the pack is about $12.99 (339%). Waiting a few days for the free transfer brings 5 of the 14 apps to $0.

Fees and terms checked · Not financial advice

The ranking

Each app’s cost is what its published terms charge for $100, delivered instantly, repaid in 14 days, with no tip: the membership it asks for, any fee on every advance, and the cheapest instant delivery it offers. Where an app gives a range or an “up to” price, the top of the range is used. Full rules on the methodology page.

  1. 1

    Albert Instant Advance

    Instant to the Albert account · no membership
    Membership: noneInstant to Albert Cash: $0.00 If you wait: $0.00
    $0.00
    0% APR
  2. 2

    Chime MyPay

    Instant to the Chime account · no membership
    Membership: noneInstant Advance fee: $3.00 If you wait: $0.00
    $3.00
    78% APR
  3. 3

    EarnIn Cash Out

    Instant to your own bank or card · no membership
    Membership: noneLightning Speed fee: $5.99 If you wait: $0.00
    $5.99
    156% APR
  4. 4

    MoneyLion Instacash

    Instant to the MoneyLion account · no membership
    Membership: noneTurbo to MoneyLion Spend: $7.50 If you wait: $0.00
    $7.50
    196% APR
  5. 5

    Tilt Cash Advance (formerly Empower)

    Instant to the Tilt account · needs Tilt subscription at $8.00/mo
    Tilt subscription: $8.00Instant to a Tilt debit card: $0.00 If you wait: $8.00
    $8.00
    209% APR
  6. 6

    Klover Balance Advance

    Instant to your own bank or card · no membership
    Membership: noneExpress fee: up to $9.49 If you wait: $0.00
    $9.49
    247% APR
  7. 7

    Dave ExtraCash

    Instant to the Dave account · needs Dave membership at $5.00/mo
    Dave membership: $5.00Overdraft fee: $5.00Instant to Dave Checking: $0.00 If you wait: $10.00
    $10.00
    261% APR
  8. 8

    Grid Cash Advance

    Instant to your own bank or card · needs Grid+ at $10.00/mo
    Grid+: $10.00Expedited payment fee: $2.99 If you wait: $10.00
    $12.99
    339% APR
  9. 9

    FloatMe Float

    Instant to your own bank or card · needs FloatMe membership at $6.99/mo
    FloatMe membership: $6.99Instant Float fee: $7.50 If you wait: $6.99
    $14.49
    378% APR
  10. 10

    Brigit Instant Cash

    Instant to your own bank or card · needs Brigit Plus at $8.99/mo
    Brigit Plus: $8.99Express fee: $0.99–$5.99 If you wait: $8.99
    $14.98
    391% APR
  11. 11

    Possible Advance

    Instant to your account · needs Possible Membership at $15.00/mo
    Possible Membership: $15.00Instant delivery: $0.00 If you wait: $15.00
    $15.00
    391% APR
  12. 12

    Varo Advance

    Instant to the Varo account · no membership
    Membership: noneAdvance fee: $20.00Instant to your Varo account: $0.00 If you wait: no free option
    $20.00
    521% APR
  13. 13

    Cleo Cash Advance

    Instant to your account · needs Cleo Plus at $5.99/mo
    Cleo Plus: $5.99Express fee: $4.49–$14.99 If you wait: $5.99
    $20.98
    547% APR
  14. 14

    B9 Advance

    Instant to the B9 account · needs B9 Basic at $9.99/mo
    B9 Basic: $9.99Express to your B9 account: $6.99–$14.99 If you wait: $9.99
    $24.98
    651% APR

Not ranked

  • Beem Everdraft

    Beem publishes only a “starting at” instant price, not the fee for $100.
    not published

  • Credit Genie Cash Boost

    Its instant delivery fee is shown only at checkout.
    not published

  • Current Paycheck Advance

    Its Instant Access fee is shown only in the app.
    not published

  • Gerald Cash Advance

    To unlock cash you first spend part of the advance in Gerald’s own store (its example: $50 of a $100 advance), so the cost depends on store prices.
    not published

  • Vola Cash Advance

    Vola doesn’t publish which plan, at what price, unlocks a $100 advance (plans run $2.99–$24.99 a month).
    not published

If you can wait a few days, most of this cost disappears

The biggest single cost in most of these apps is the fee for instant delivery. 5 of the 14 ranked apps send the money for free if you wait for a standard bank transfer, usually one to five business days: Albert, Chime, EarnIn, MoneyLion, Klover. 6 need no membership at all. The ones that still cost money on the slow route are the ones with a monthly membership.

AppInstantWait for free transferFree transfer takes
Albert $0.00 $0.00 instant to Albert Cash; 2–3 business days to move it out free
Chime $3.00 $0.00 within 24 hours
EarnIn $5.99 $0.00 1–2 business days
MoneyLion $7.50 $0.00 1–5 business days, to MoneyLion Spend only
Tilt $8.00 $8.00 usually 1 business day
Klover $9.49 $0.00 2–5 business days
Dave $10.00 $10.00 2–3 business days
Grid $12.99 $10.00 1–3 days
FloatMe $14.49 $6.99 1–3 business days
Brigit $14.98 $8.99 1–3 business days
Possible $15.00 $15.00 up to 3 business days
Varo $20.00 no free option —
Cleo $20.98 $5.99 up to 3 business days
B9 $24.98 $9.99 up to 5 business days

Costs include a required membership for one month. Which apps are free, and on what conditions.

Through your employer, and things that look like advances but aren’t

Earned wage access through work

6 apps your employer has to offer: DailyPay, Payactiv, Branch, Rain, Clair, OnePay @Work. The cheapest instant transfer of $100 on published terms is Branch at $0.00.

Chime SpotMe

Overdraft coverage on card purchases and ATM withdrawals, not cash sent to you.

Current Fee-Free Overdraft (Overdrive)

Overdraft coverage on card purchases, not cash sent to you.

Possible Possible Loan

An installment loan repaid in 4 payments over about 8 weeks, with its own APR disclosure.

Cash App Borrow

A loan whose flat fee is shown only in the app.

SoLo Funds SoLo Borrow

A peer-to-peer loan: other members choose whether to fund it, and the cost is an optional tip to the lender plus an optional donation.

Recent actions by regulators

From official sources only (the FTC, the CFPB, state attorneys general and regulators), newest first. A lawsuit states allegations; it is not a finding. Each app’s page has its full record.

  • Brigit: Maryland’s Attorney General announced a $600,000 settlement with Brigit over alleged unlicensed lending and misleading “Instant Cash” claims. Source
  • EarnIn: Colorado’s Attorney General sued EarnIn, alleging Cash Out is unlicensed high-cost lending; the AG puts the average APR at nearly 388%. Source
  • Brigit: Minnesota’s Attorney General sued Brigit, alleging its Instant Cash advances are unlicensed payday loans with APRs that regularly exceed 300%. Source
  • Brigit: Brigit paid $1.9 million to settle a Massachusetts Division of Banks finding of unregistered loan servicing, without admitting the allegations. Source
  • Dave: Baltimore sued Dave under its consumer protection ordinance, alleging ExtraCash fees and “tips” are unfair and deceptive. Source
  • MoneyLion: Baltimore sued MoneyLion, alleging Instacash advances are payday loans marketed as zero-interest wage access. Source
  • MoneyLion: New York’s Attorney General sued MoneyLion, alleging Instacash advances are usurious payday loans advertised deceptively. Source
  • DailyPay: New York’s Attorney General sued DailyPay, alleging its employer-linked advances are usurious payday loans. Source

Before you take an advance

  • A small fee is a big APR. Two weeks is a short time. $5 on $100 for 14 days is 130% APR.
  • Memberships keep charging. Most bill monthly until you cancel, even in months you don’t borrow.
  • Repayment comes out automatically. If the money isn’t there on the date, your own bank may charge an overdraft fee.
  • Several advances in a row mean the gap moves forward each payday rather than closing.

Credit unions offer payday-alternative loans capped at 28% APR, and 211 can connect you with local help for rent, food and bills.

Not financial advice. This page explains published costs. It can’t know your situation.

Fees checked November 8, 2026 against each app’s website, help centre, terms and app-store listing. Apps change fees often; check the price in the app before you accept.

Questions

What is the cheapest cash advance app?

On published terms checked November 8, 2026, for $100 delivered instantly and repaid in 14 days: Albert Instant Advance at $0.00. If you can wait one to five days for a standard transfer, 5 of the 14 ranked apps cost nothing at all, as long as you leave no tip.

What is a cash advance app?

An app that sends you a small amount, usually $20 to $500, before payday and takes it back automatically from your next deposit. Most don’t charge interest. They make money from monthly memberships, fees for instant delivery, optional tips, or a flat fee per advance.

Why show an APR if the app says it charges no interest?

Because a fee on a two-week advance costs as much as very high interest. A $5.99 fee on $100 for 14 days equals 156% APR. Converting every fee into the same yardstick is the only way to compare an app with a membership against one with an instant fee or a percentage.

Do cash advance apps check your credit?

18 of the 19 cash advance apps here say on their own pages that they don’t run a credit check; Varo says it reviews consumer reports or doesn’t say. The no-credit-check page quotes each app’s exact wording.

Are tips required?

No. Every app here that asks for a tip says it is optional and doesn’t affect your eligibility. 14 don’t take tips at all (Brigit, Cleo, Klover, Chime, Albert, Varo, Current, Possible, Tilt, Vola, FloatMe, Gerald, Beem, Credit Genie). A tip costs you exactly like a fee, so the calculator lets you add one.

Sources for this page

How costs are calculated, what is left out and how to send a correction: methodology.

Cite this page

Best Cash Advance Apps. "Best Cash Advance Apps, Ranked by True Cost." Updated November 8, 2026. https://bestcashadvanceapps.com/