Cash Advance Math
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CASH ADVANCE MATH / CASH ADVANCE APPS

Best cash advance apps. Start with the actual cost.

A higher limit isn't always a better deal. Compare memberships, delivery fees and account requirements, then do the math for your payday.

Browse all 12 apps ↓Compare your costs ↓

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A CLOSER LOOK

All 12 cash advance apps.

Profiles, fees and the details to check before you apply.

Apps like Dave and EarnIn

Compare memberships, standard delivery and faster transfers. Your first advance may be smaller than the advertised maximum.

01

EarnIn

$1,000 per pay periodMaximum advance

Membership
$0
Instant delivery
$3.99 to $8.99 per transfer
Standard option
$0 delivery, usually 1-2 business days.
Eligibility & details

Daily limit: up to $150. New members may start lower. State fee exceptions apply.

Your bank: Chime and Cash App: Check the app.

Credit check: No, according to the provider.

Repayment: Automatic debit from linked bank account on payday for the amount transferred plus any tips/fees. Debit can be rescheduled by contacting support at least one business day before.

Provider source

Last checked Sep 29, 2026 Visit EarnIn
02

Dave

$500Maximum advance

Advance fee
5% of every advance, $5 minimum
Membership
Up to $5/month
Instant delivery
1.5% extra to an external debit card
Standard option
$0 ACH delivery, 2-3 business days. Advance and membership fees still apply.
Eligibility & details

Every advance costs 5%, with a $5 minimum, before membership or optional delivery. Few qualify for $500.

Your bank: Chime and Cash App: Check the app. Free instant delivery requires Dave Checking.

Credit check: No, according to the provider.

Repayment: Automatic settlement from connected bank account on a date set around the next payday or nearest Friday; partial settlements if funds are short. ExtraCash is repayable on demand. No late fees or interest.

Provider source

Last checked Sep 29, 2026 Visit Dave
03

Brigit

$500Maximum advance

Membership
Plus: $8.99/month in the app
Instant delivery
Fee shown in app
Standard option
$0 standard delivery, 1-3 business days. Plus membership is counted in the calculator.
Eligibility & details

A no-subscription advance can be requested by email. Maine maximum: $250. Premium costs $15.99 and includes Express.

Your bank: Chime and Cash App: Check the app.

Credit check: No, according to the provider.

Repayment: Automatic withdrawal on the due date chosen when requesting the advance; due date can be moved with in-app extension credits (at least 2 business days before). No late fees.

Provider source

Last checked Sep 29, 2026 Visit Brigit
04

MoneyLion

$500Maximum advance

Membership
$0 for Instacash
Instant delivery
Up to $8.99 per $100 disbursement to an external account
Standard option
$0 delivery to MoneyLion Spend, 1-2 business days.
Eligibility & details

Free external standard delivery is limited by the terms to users unable to open Spend. Multiple Turbo disbursements mean multiple fees.

Your bank: Chime and Cash App: Check the app. The free route shown uses a Spend account.

Credit check: No, according to the provider.

Repayment: Automatic debit on the scheduled repayment date aligned to the pay cycle (advance + optional tips + Turbo fees); partial debits and retries if short. Terms: no legal obligation to repay, no debt collection, but no new advances until repaid.

Provider source

Last checked Sep 29, 2026 Visit MoneyLion
05

Chime MyPay

$500 advertisedMaximum advance

Membership
$0
Instant delivery
3%, with a $2 minimum and $5 maximum
Standard option
$0 delivery within 24 hours.
Eligibility & details

Most members start at $40-$100. Requires qualifying direct deposits and an activated physical card. Available states vary.

Your bank: Requires Chime Checking. This is not an advance to Cash App or an external bank.

Credit check: No, according to the provider.

Repayment: Automatically deducted from the next qualifying direct deposit into Chime Checking; if no qualifying deposit covers it by the Estimated Pay Date the account is in default. Chime does not report MyPay to credit bureaus.

Provider source

Last checked Sep 29, 2026 Visit Chime MyPay
06

Klover

$750Maximum advance

Membership
$0 for Basic; Klover+ is optional
Instant delivery
Amount-based fees; state exceptions apply
Standard option
$0 standard ACH, usually within 3 business days.
Eligibility & details

Instant fees are published as maximums. Optional Klover+ is $4.99 in most states, $7.99 in Indiana and $9.99 in Wisconsin.

Your bank: Chime and Cash App: Check the app.

Credit check: No, according to the provider.

Repayment: Charged to bank account or debit card on/after the date income is detected or the date you selected (next payday). Terms: Klover has no legal claim if it cannot collect, but may suspend access.

Provider source

Last checked Sep 29, 2026 Visit Klover
07

Cleo

Check the appMaximum advance

Membership
Plus: $5.99/month in the app
Instant delivery
Fee shown in app
Standard option
$0 standard delivery, 3-4 days. In-app membership is extra.
Eligibility & details

Official FAQs disagree: $250 or $290 maximum. We do not rank requests above $250. A no-subscription request goes through customer service.

Your bank: Chime and Cash App: Check the app.

Credit check: No, according to Cleo's own blog.

Repayment: User picks repayment date 3-14 days out; auto-debit from connected card/account; one extension of up to 7 days may be available; partial auto-collection if opted in; 24h cool-off before next advance; one advance at a time

Provider source

Last checked Sep 29, 2026 Visit Cleo
08

FloatMe

$200Maximum advance

Membership
$6.99/month in the app
Instant delivery
$5 to $10 for published amounts from $50 to $200
Standard option
$0 ACH delivery, usually 1-3 business days. Membership is counted.
Eligibility & details

First-time amounts: $10-$50. A no-cost request route is available by email. Not offered in Connecticut, Nevada or DC.

Your bank: Chime and Cash App: Check the app.

Credit check: No, according to the provider.

Repayment: Single ACH debit on chosen/confirmed Repayment Date (next payday); no extensions (changes need 48h notice); no late fees, interest, collections or credit reporting; one Float per pay period (every other period if paid weekly)

Provider source

Last checked Sep 29, 2026 Visit FloatMe
09

Albert

$1,000Maximum advance

Advance fee
Draw fee shown in app
Membership
Not required for Instant
Instant delivery
Fee shown in app
Standard option
$0 transfer to Albert Cash. The advance itself has a separate draw fee.
Eligibility & details

Draw fees are unpublished, so neither delivery route has a calculable total. Few qualify for $1,000. External standard speed is not verified.

Your bank: Chime and Cash App: Check the app. The free transfer is to Albert Cash.

Credit check: Check the app. Not verified.

Repayment: Repaid by autopay or manual payment, incl. automatically from Smart Money deposits; if not repaid by agreed date, late fees may apply on the line of credit and draws suspended (help center)

Provider source

Last checked Sep 29, 2026 Visit Albert
10

Tilt

$500Maximum advance

Membership
$8/month after the trial
Instant delivery
Published tiers; 3% at $300 or more
Standard option
$0 ACH, generally 1 business day. Also free to Tilt debit card, generally within 1 minute.
Eligibility & details

Formerly Empower. Membership is counted in full; first-time trial discounts are not. A subscription waiver can be requested by email.

Your bank: Chime and Cash App: Check the app.

Credit check: No, according to the provider.

Repayment: Auto-withdrawal from linked checking on the forecasted next paycheck date (user can change); non-recourse: no collections, no credit reporting, no late fees; no new advance until repaid

Provider source

Last checked Sep 29, 2026 Visit Tilt
11

Varo

Up to $700 with qualifying depositsMaximum advance

Advance fee
8% with $800 in qualifying deposits; otherwise check the app
Membership
$0
Instant delivery
No separate speed fee
Standard option
Same-day deposit to Varo on approval. A mandatory advance fee applies.
Eligibility & details

With $800 in qualifying deposits: an 8% advance fee. Without those deposits: Check the app. The source percentage and fee table conflict.

Your bank: Requires a Varo Bank Account. It is not paid directly to Chime or Cash App.

Credit check: Check the app. Not verified.

Repayment: Due 30 days after advance; user selects auto-repay date 15-30 days out (cannot be changed); single auto-debit from Varo Bank Account, then from incoming deposits and backup debit card/external account if short; one advance at a time, max 1 per day and 5 per rolling 31 days; negative credit reporting possible on default

Provider source

Last checked Sep 29, 2026 Visit Varo
12

Current

$750Maximum advance

Membership
$0
Instant delivery
Fee shown in app
Standard option
$0 delivery, typically within 3 business days to Current.
Eligibility & details

Requires a Current Account and an eligible payroll deposit of $200 or more. Not offered in Connecticut, Maryland, Nevada, Wisconsin or DC.

Your bank: Requires a Current Account. It is not paid directly to Chime or Cash App.

Credit check: No, according to the provider.

Repayment: Auto-deducted from Current Account on or about next Eligible Payroll Deposit (and later deposits if short) within 40 days (34 days in California); not a loan, no obligation to repay, but no new advances until repaid; requires Current Account with Eligible Payroll Deposit of $200+

Provider source

Last checked Sep 29, 2026 Visit Current

We may earn a commission from some provider links. It never changes the order, which is always set by cost. How we make money

01 THE TRUE COST CALCULATOR

Small fees add up.
See the full picture.

What matters is what leaves your pocket. Compare the fees and the total you pay back.

Your amount. Your payday. Sorted by cost.

Edit my numbers ↑

Equivalent APR puts short-term costs on a yearly scale for comparison. It is not the app's advertised or legal APR. Eligibility and final fees depend on the provider.

Adjust tips, membership and bank assumptions
Your choice, never a required fee.
Splits a required monthly subscription.
How we calculate the real cost

Total cost includes required fees, delivery fees for your choice, required membership divided by your advances per month, and any optional tip you add.

Equivalent APR = total cost ÷ amount borrowed × 365 ÷ days until repayment × 100

The day count runs from funding to repayment. We allocate a required monthly membership across the number of advances you enter. Optional memberships stay out. Tips apply only to apps that let you choose a tip.

“You pay back” is your amount plus all modeled costs, including a membership billed separately. It may differ from the provider's single repayment debit. Standard delivery is not necessarily a free advance.

We use the published fee schedule when available. An unpublished fee means that option cannot be ranked at that speed. Amount limits and delivery times can affect which options appear. Bank compatibility is not verified unless stated.

The payday row is a national cost example, not a local rate quote. Choosing a state changes the state guide only. PALs have a minimum one-month term and appear separately with their own repayment period and maximum-cost assumptions.