Cash advance apps for Android

Cash advance apps are a handy solution if you’re running low on cash between paychecks. Most offer quick funding with no interest or late fees, and some don’t even require a monthly subscription. There are typically fees if you need the money right away, but they’re often minimal. If you can wait a few days, transfers are free.

However, cash advance apps vary greatly, so it’s important to compare fees, advance limits, requirements to qualify and any additional features. Read on for more details on popular apps that work with Android.

Cash advance apps for Android

These apps work with your Android phone. Compare membership fees, charges for instant transfers and advance limits to find one that works for you.

Cash advance app	Advance amount	Cost	Turnaround time
Albert	$25 to $250	$14.99 per month	Instant	Go to site Read review
Beem	$5 to $1000	$2.47 to $12.97 per month, plus transfer fees	Within 3 days or instant for a fee
B9	$30 to $500	$9.99 or $19.99 per month	Instant	Read review
Branch	Up to 50% of paycheck, up to $1,000	No cost for 3-day option, $2.99 to $4.99 for instant deposit	Within 3 business days, instant with delivery fee	Read review
Brigit	$50 to $250	$8.99 per month to use the app, free requested through email	2 to 3 business days or instant with a Premium subscription or for a fee.	Go to site Read review
Cash App borrow	$20 to $200	5% fee	Same day	Read review
Chime SpotMe	Up to $200	No cost, must be a Chime member	Instant	Go to site Read review
Cleo	Up to $250	As low as $5.99 to use the app, free requested through email	3 to 4 days or instant for a fee.	Go to site Read review
Credit Genie	Up to $100	$4.99 a month	Within three days or instant for a fee
Current	$50 to $500	Free	Within 3 business days, instant with delivery fee	Read review
DailyPay	Up to 100% of earned wages, $1,000 daily limit	No fee, available for qualified consumers	Next business day or instant with a DailyPay card or for a fee	Read review
Dave	Up to $500	Undisclosed	Up to 3 business days or instant for a fee	Go to site Read review
EarnIn	Up to $750 per pay period, but only $150 per day	No monthly subscription	1 to 3 business days or instant for a fee	Go to site Read review
Empower	$10 to $300	$8 a month	Next day or instant to Empower Card or for a fee	Go to site
FloatMe	$10 to $100	$3.99 per month	1 to 3 business days or within 8 hours for a fee	Read review
Go2Bank	Up to $200	$5 per month, but can be waived with qualifying deposits, 26.99% interest rate on advances	Instant from ATM or participating bank, but fees apply
Grid	Up to $200	$10 per month	Within 8 hours for $2.99 or 1 to 3 days for free delivery	Read review
Klover	Up to $200	$3.99	Within 3 days or within hours for a fee	Read review
MoneyLion	Up to $500 or $1,000 with RoarMoney account	No fees	Up to 5 days or instant for a fee of $0.49 to $8.99	Read review
ONE@Work	Up to 50% of earned wages	Available to members employed at a company that offers the app as a benefit.	Same day if employer has configured this benefit. If not, fee applies to pick up at Walmart or deposit to account.	Read review
Payactiv	$200 minimum per pay period or 50% of earned wages, whichever is greater	Available to members employed at a company that offers the app as a benefit.	Transfer in real time for a small fee. Other disbursement options and fees depend on employer.	Read review
Possible finance	Up to $500	Free	Receive in minutes	Read review
SoLo Funds	$20 to $575	Preferred tip amount	As soon as same day or instant for a fee	Read review
Super.com	$20 to $200	$15 per month	Within 3 business days or instant with a small fee or Super Pay account
Varo	Up to $500	Up to $40 for transfers	Instant but charges a fee	Read review
Vola	Up to $300	Starting at $1.99	As soon as same day or instant with Vola card	Read review
Wisely	Determined by eligibility	No fee, available for qualified members	Instant to Wisely card	Go to site

Frequently asked questions

Do I need direct deposit to qualify for a cash advance?

Most cash advance apps require users to receive paychecks by direct deposit as a way to verify income. But at least a few apps — such as Dave, Cleo and Vola — don’t require direct deposit to qualify for advances, making them a great option for those who are self-employed or work in the gig economy. You’ll still need a job, but removing the direct deposit requirement gives more workers access to advances.

Do I always have to pay for instant transfers?

In most cases, cash advance providers charge at least a few dollars to transfer funds immediately to your account or card. Or, if they don’t — which is pretty rare — you’ll pay a monthly subscription fee, which effectively amounts to the same thing.

Are any cash advances truly free?

Despite the hype surrounding interest-free and fee-free cash advances, there aren’t many free cash advance apps. Most include some sort of charge, either for a monthly membership or instant transfers. The only one we’ve found is Chime SpotMe, which doesn’t charge for monthly membership or transfer fees. However, it’s an overdraft feature rather than a true cash advance app.

Are cash advance apps with monthly subscription fees worth it?

That depends. If you need frequent advances, a monthly membership might make sense because instant transfer fees are usually less expensive — or occasionally free. However, if you only rarely need a little extra cash, a monthly fee may not be worth it — unless the app offers other valuable features, such as savings, budgeting, investing or credit-building tools.