According to Albert’s Genius customer service, the company “does not support integration with other cash advance apps.” Cash advance apps often require users to link with a bank account so the cash advance app can automatically withdraw the funds you borrowed once your paycheck hits.
Although Albert allows integration with accounts like Chime or MoneyLion to track your spending, it doesn’t allow integration with cash advance features because it offers Albert Instant – an instant cash feature that allows you to access up to $250 in overdraft coverage.
If you already have a Genius subscription with Albert, you may not need another cash advance app to access extra funds thanks to Albert Instant.
You can still get a cash advance app
You can still access cash advance apps even if you have a Genius subscription or bank with Albert. You just won’t be able to link it to your Albert account. If you already have another bank account, or you’re opening a new bank account just be sure that the cash advance app you choose can link to that bank account. Most cash advance apps integrate with all the major banks.
When choosing the app, you’ll want to consider factors like the cost of the service, your desired advance amount, or your unique situation. We’ll take a deep dive into your options and the related costs, advance amounts and turnaround time in the next section.
Other reliable cash advance apps
To make your search easier, we’ve compiled a list of noteworthy cash advance apps, including the advance amount you can expect to borrow, costs, and turnaround times for each app.
Cash advance app | Advance amount | Standard turnaround time | Subscription fee | Instant transfer fee | Optional tips | |
---|---|---|---|---|---|---|
Albert | $25 to $250 | Instant | $14.99 | Free | No | |
B9 | $30 to $500 | Instant | $9.99 or $19.99 | Free | No | |
Beem | $5 to $1,000 | Undisclosed time for free, instant for a fee | $2.47 to $12.97 | $1 to $4 | No | |
Branch | Up to 50% of paycheck, up to $1,000 | Within 3 business days, instant with delivery fee | Free | $2.99 to $4.99 | No | |
Brigit | $50 to $250 | 2 to 3 business days or instant with a Premium subscription or for a fee. | $8.99 to $14.99 monthly membership fee | $3.99 | No | |
Cash App Borrow | $20 to $200 | Same day | Free | None, but 5% fee for advance | No | |
Chime MyPay | Up to $500 | Within 2 days or instant for a fee | Free | $2 | Yes | |
Chime SpotMe | Up to $200 | Instant | Free | Free | Yes | |
Cleo | Up to $250 | 3 to 4 days or instant for a fee. | $5.99 | $3.99 | No | |
Credit Genie | Up to $100 | 1 to 3 business days or i day or instant for a fee | $4.99 | Undisclosed | Yes | |
Current | $50 to $500 | Within 3 business days, instant with delivery fee | Free | Undisclosed | Yes | |
DailyPay | Up to 100% of earned wages, $1,000 daily limit | Next business day or instant with a DailyPay card or for a fee | Free | Undisclosed | No | |
Dave | Up to $500 | Up to 3 business days or instant for a fee | Undisclosed | Up to $25 | Yes | |
EarnIn | Up to $750 per pay period, but only $150 per day | 1 to 3 business days or instant for a fee | Free | Undisclosed | Yes | |
Empower Cash Advance | $10 to $300 | Next day or instant to Empower Card or for a fee | $8 | $1 to $8 | Yes | |
Empower Thrive (line of credit) | $200 to $1,000 | Instant for a fee | $8 | Up to 3% | Undisclosed | |
FloatMe | $10 to $100 | 1 to 3 business days or within 8 hours for a fee | $3.99 | $3 to $7 | No | |
Go2Bank | Up to $200 | Instant from bank or participating financial institution for fees | $5 but may be waived | $10 or 5%, plus possible fees from ATM or bank and 26.99% interest | No | |
Grid | Up to $200 | Within 8 hours for $2.99 or 1 to 3 days for free delivery | $10 | $2.99 | No | |
Klover | Up to $200 | Within 3 days or within hours for a fee | $3.99 | Up to $20.78 | Yes | |
MoneyLion | Up to $500 or $1,000 with RoarMoney account | Up to 5 days or instant for a fee of $0.49 to $8.99 | Free (or $1 to $5 for RoarMoney account) | Up to $8.99 | Yes | |
ONE@Work | Up to 50% of earned wages | Same day if employer has configured this benefit. If not, small fee applies | No membership fee. | Undisclosed | No | |
Payactiv | $200 minimum per pay period or 50% of earned wages, whichever is greater | Within 1 to 3 or days or instant onto Payactiv card or for a fee | Free | Undisclosed | No | |
Possible Finance | Up to $500 | As fast as 1 business day | Free | N/A but charges $15 to $20 per $100 borrowed | No | |
SoLo Funds | $20 to $575 | As soon as same day or instant for a fee | Free | 1.75% of loan amount | Yes | |
Super.com | $20 to $200 | Express transfers for a fee | $15 | Undisclosed | Yes | |
Varo | Up to $500 | Instant but charges a fee | Free | Up to $40 | No | |
Vola | Up to $300 | As soon as same day or instant with Vola card | $1.99 | |||
Wisely | Undisclosed, based on earned wages | Instant to Wisely card | Free | Unclear | No |
Alternatives to cash advance apps for Albert customers
If you want to stay with your Albert account or don’t want to download yet another app, here are some alternative forms of quick funding.
- Credit card cash advances. Interest rates on credit card cash advances are higher than for regular purchases, but it’s a hassle-free way to get a fast influx of cash in an emergency.
- Personal loans. If you need a larger loan amount than cash advance apps offer, an online personal loan might be a good option. However, you’ll need a good credit score to qualify for the best rates.
- Payday alternative loans (PALs). Many federal credit unions offer small PALs to members at competitive interest rates and reasonable loan terms. You’ll typically need to be a member for at least 30 days to qualify.
- Secured loans. If you have something of value as collateral a secured loan may have interest rates compared to unsecured loans.
- Advance from employer. Check if your employer offers cash advances as a benefit to its employees. Or, some bosses may advance small loans and then deduct that amount of your next paycheck.
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