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27 Cash Advance Apps That Use Plaid

Explore apps powered by Plaid, the payment platform used by most cash advance apps.

Cash advance apps offer quick access to funds in advance of your paycheck and typically with no credit check. Instead, they rely on your bank account activity. Most cash advance apps integrate with Plaid, a financial technology platform, to securely access users’ bank account information, streamlining the verification process and expediting fund disbursement. We’ll walk you through which apps use Plaid and how they differ in advance amounts, cost and turnaround time.

Cash advance apps that use Plaid

Many cash advance apps use Plaid because of its reliable security and seamless integration process. Here’s a list of some cash advance apps that use Plaid.

Cash advance appAdvance amountCostTurnaround time
Albert$25 to $250$14.99 per monthInstant
Beem$5 to $1000$2.47 to $12.97 per monthWithin 3 days or instant for a fee
B9$30 to $500$9.99 or $19.99Instant
BranchUp to 50% of paycheck, up to $1,000No cost for 3-day option, $2.99 to $4.99 for instant depositWithin 3 business days, instant with delivery fee
Brigit$50 to $250$8.99 per month to use the app, free requested through email2 to 3 business days or instant with a Premium subscription or for a fee.
Cash App borrow$20 to $2005% feeSame day
ChimeUp to $200No cost, must be a Chime memberInstant
CleoUp to $250As low as $5.99 to use the app, free requested through email3 to 4 days or instant for a fee.
Credit GenieUp to $100$4.99 per monthWithin 3 days or same day or instant for a fee
Current$50 to $500FreeWithin 3 business days, instant with delivery fee
DailyPayUp to 100% of earned wages, $1,000 daily limitNo fee, available for qualified consumersNext business day or instant with a DailyPay card or for a fee
DaveUp to $500Undisclosed monthly membership feUp to 3 business days or instant for a fee
EarnInUp to $750 per pay period, but only $150 per dayNo fee when you link your bank account1 to 3 business days or instant for a fee
Empower$10 to $300$8 per monthSame day or instant delivery available ($1 to $8 for instant transfer to external bank account)
FloatMe$10 to $100$3.99 per month1 to 3 business days or within 8 hours for a fee
Go2BankUp to $200$5 per month, no fees after eligible direct deposit, 26.99% interest chargesInstant from ATM or participating bank for $10 or 5%, whichever is greater
GridUp to $200$10 a monthWithin 8 hours for $2.99 or 1 to 3 days for free delivery
KloverUp to $200$3.99 a monthWithin 3 days or within hours for a fee
MoneyLionUp to $500 or $1,000 with RoarMoney accountFree for basic membership, $1 to $1 to $5 for RoarMoneyUp to 5 days or instant for a fee of $0.49 to $8.99
ONE@WorkUp to 50% of earned wagesAvailable to members employed at a company that offers the app as a benefitSame day if employer has configured this benefit. If not, small fee applies
Payactiv$200 minimum per pay period or 50% of earned wages, whichever is greaterAvailable to members employed at a company that offers the app as a benefitWithin 1 to 3 days or immediately to Payactiv card or for a fee
Possible financeUp to $500, except in California, where max loan amount $250No membership fee, but about $15 to $20 per $100 borrowedAs soon as same day
SoLo Funds$20 to $575No fees, but asks for (optional) tips and donationsAs soon as same day, but instant transfers cost 1.75%
Super.com$20 to $200No fee, available for qualified consumersWithin 3 business days, instant with a small fee or Super Pay account
VaroUp to $500Free, available for qualified membersInstant turnaround, but fees up to $40
VolaUp to $300Starting at $1.99 for advances from app or free requests via emailAs soon as same day or instant with Vola card
WiselyDepends on wage and hours workedNo fee, available for qualified membersInstant to Wisely card

What is Plaid and how does it work?

When you use a cash advance app, chances are it’s using Plaid to link up with your bank and verify your account details. Plaid streamlines the eligibility process, making it easier and faster for apps to access your bank info without you having to jump through hoops or worry about your data getting into the wrong hands.

When you connect your bank account to a cash advance app, Plaid uses encryption and secure cloud technologies to keep your data safe while fetching the necessary information, like your account balance and transaction history. Once it has all the details, Plaid sends them back to the cash advance app, allowing it to verify your identity and determine how much cash you can borrow.

Are there cash advance apps that don’t use Plaid?

While a majority of cash advance apps use Plaid, there are some that don’t use Plaid. Apps like Cash App or MoneyLion offer the option to use Plaid, though it is not required.

Is Plaid legit?

Plaid is widely recognized as a legitimate and reputable financial technology company known for its robust security standards. The company employs industry-leading encryption protocols and stringent security measures to safeguard user data. Plaid is certified in internationally recognized security standards, like ISO 27001 and ISO 27701, and is SSAE18 SOC 2 compliant.

However, Plaid faced legal scrutiny in 2022 over allegations that it violated users’ privacy rights by pulling and selling their data to third parties. While Plaid denied the allegations and vowed to defend its practices, the lawsuit highlights the importance of transparency and accountability in data handling practices.

Which banks won’t connect with Plaid?

Plaid integrates with more than 12,000 financial institutions worldwide, so it’s hard to locate banks that don’t work with Plaid. If you’re wondering whether your bank uses Plaid, you can search Plaid’s directory of partners.

Frequently asked questions

What if your bank doesn’t use Plaid?

If your bank isn’t listed on Plaid, you can manually input your bank account and routing numbers. Plaid verifies your account using micro-deposits, aligning your details with the information held by your financial institution.

Why is my account incompatible with Plaid?

This error usually occurs when an app requires a particular account type for its services. For example, the app you’re using might require that only deposit accounts like checking or savings accounts can be linked via Plaid

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To make sure you get accurate and helpful information, this guide has been edited by Megan B. Shepherd as part of our fact-checking process.
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Gabriel Vito is a freelance personal finance writer for Finder. With over four years of experience, he has crafted helpful guides and articles covering various personal finance topics, including credit cards, investing and banking. Gabriel's work has been featured on Yahoo Finance, NASDAQ, GoBankingRates, and more. He has a Bachelor's Degree in English and is passionate about helping others navigate their financial journey. See full bio

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