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- Best for unlimited access
Current
Paycheck Advance Apps
Mobile banking app that lets eligible users with qualifying direct deposits request fee-free paycheck advances repeatedly, plus early direct deposit and overdraft protection options.
- Best for
- Unlimited access
- Monthly membership fee
- N/A
- Max advance amount
- $750
- Speed of advance
- Instant with a fee or up to three days
- Subscription required
- No
- BBB rating
- Accredited, A- rating
- Advances up to $750 with no credit check or late fees
- Free transfer in up to three days; instant available for a fee
- No subscription required
- Also offers secured credit-building card and wide ATM network
- Best for gig workers
Cleo
Paycheck Advance Apps
AI-powered cash advance app aimed at people with irregular income; free users can still request advances while paid tiers unlock extra budgeting and credit tools.
- Best for
- Gig workers
- Monthly membership fee
- $5.99 to $14.99
- Max advance amount
- $250 (maximum of $100 for first-time users) $500 for Direct Deposit customers
- Speed of advance
- Same-day with a fee or up to four business days
- Subscription required
- No
- BBB rating
- Not accredited, B rating
- Advances up to $250 (or $100 for first-time users); up to $500 with direct deposit
- Same-day funding available for a $3.99 to $14.99 fee
- No credit check and flexible repayment window up to 4 weeks
- Includes AI spending coach and high-yield savings wallet
- Best for early direct deposits
Chime®
Paycheck Advance Apps
Fee-free checking and savings platform that pairs early direct deposit, optional overdraft coverage, and a MyPay advance feature for qualifying members.
- Best for
- Early direct deposits (if you qualify)
- Monthly membership fee
- N/A
- Max advance amount
- $500
- Speed of advance
- Instant with SpotMe®
- Subscription required
- No
- BBB rating
- Accredited, A+ rating
- MyPay advances up to $500
- Free funding within 24 hours or instant for a $2 to $5 fee
- Get paid up to 2 days early with direct deposit
- SpotMe overdraft coverage up to $200 for eligible users
- Best for instant or fast transfers
Tilt (formerly Empower)
Paycheck Advance Apps
Subscription-based advance app focused on quick delivery of small-to-moderate cash advances with no interest or late fees.
- Best for
- Instant or fast transfers
- Monthly membership fee
- $8
- Max advance amount
- $400
- Speed of advance
- Instant with a fee or up to one business day
- Subscription required
- Yes, $8 per month
- BBB rating
- Not accredited, B rating
- Advances from $10 to $400
- Free delivery in one business day; instant for a fee of up to 3%
- $8 monthly subscription after optional 14-day trial
- Reports 75% of users qualify
- Best for cash boosts
MoneyLion
Paycheck Advance Apps
Full-featured finance app whose Instacash advances stand out for higher limits and temporary boosts earned through in-app actions or friend referrals.
- Best for
- Cash boosts
- Monthly membership fee
- N/A
- Max advance amount
- $500 $1,000 for RoarMoney accountholders that meet direct deposit requirements
- Speed of advance
- Instant with a fee or up to five days
- Subscription required
- No
- BBB rating
- Not accredited, A+ rating
- Advances up to $500, or up to $1,000 for qualifying RoarMoney direct-deposit users
- Free delivery in up to five days; faster via 2% Turbo Transfer Fee
- No subscription required for advances
- Cash-boost feature can temporarily raise limits
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