CASH ADVANCE MATH / CASH ADVANCE APP COST STUDY
The True Cost of 12 Cash Advance Apps in 2026
Small fees, full memberships and faster delivery. A transparent comparison of published costs, with the data behind every result.
Source snapshot: . Albert transfer-fee clarification: .
THE SAME AMOUNT. DIFFERENT COSTS.
What the numbers show
The headline comparison is $100 over 14 days, with $0 tips and one advance per month. It uses the calculator's “other bank” setting, no qualifying Varo deposits and the primary app routes. Account requirements remain visible below.
-
Standard delivery: $0.00 to $10.00.
For $100 over 14 days, Current, EarnIn, Klover, MoneyLion Instacash tie lowest and Dave ExtraCash highest among 9 priced primary routes. Membership is included. MoneyLion requires Spend; Current requires its own account.
-
Instant delivery: $5.99 to $14.49.
For $100 over 14 days, EarnIn ranks lowest and FloatMe highest among 6 priced primary routes. Membership is included. These instant routes use external delivery, without own-account discounts.
-
Instant equivalent APR: 156.2% to 377.8%.
At $100 over 14 days, each priced primary instant route is below the CFPB typical payday illustration of $15.00 in fees, or 391.1% equivalent APR. This does not establish the cost of excluded apps. CFPB source .
-
54 of 96 scenarios have a modeled price.
Across 12 apps and 8 amount/delivery combinations, 28 rows have unpublished or conflicting fees; 14 are unavailable under the scenario's account or amount assumptions. None is treated as free.
These are modeled costs from published fee schedules, not a survey of what borrowers actually paid. Cheapest and most expensive refer only to the priced routes in this scenario.
THE INSTANT DELIVERY EXAMPLE
The cost of getting $100 sooner
A 14-day comparison, including membership for one advance this month. The length of each bar shows total cost, not the amount borrowed.
HOW TO READ THE STUDY
Methodology and limits
The scenarios
We model $50, $100, $200 and $250, each over 14 days, with standard and instant delivery. The other inputs stay fixed: bank “other”, $0 tips, one advance per month and no qualifying Varo deposits. These are assumptions, not claims about approval, permitted borrowing frequency or actual repayment dates.
What total cost means
Total cost includes required advance fees, the selected delivery fee and the full required paid in-app membership allocated to one advance that month. It excludes the amount received. Optional memberships, paid upgrades, trial discounts, legacy prices, points discounts and conditional membership waivers are excluded. Dave uses the published maximum membership; Klover uses published maximum delivery fees.
Equivalent APR is our comparison measure
Equivalent APR = total cost ÷ amount received × 365 ÷ days × 100. It is not the provider's advertised or legal APR. We use the calculator's cost rounded to cents, then display equivalent APR rounded to one decimal place. The CSV uses the same precision.
Route and eligibility limits
Standard MoneyLion pricing requires MoneyLion Spend; Current requires a Current Account. Instant examples use external delivery and exclude the separate Dave Checking, Tilt debit-card and MoneyLion Spend discounts. Chime is unavailable with the “other bank” setting. Varo remains unpriced because the fees conflict without qualifying deposits; the qualified route also has a repayment window that excludes this study's 14 days.
EarnIn amounts over its daily cap are not combined across days. MoneyLion's engine output does combine the required Turbo disbursements and their fees for larger amounts. FloatMe's lower first-time limits remain an eligibility caveat. Personal approval, bank compatibility, state exceptions, account setup, weekends, holidays and arrival timing are not modeled.
Missing data stays missing
“Not published” means an exact required fee is unpublished or, for Varo, the supplied fees conflict under these assumptions. “Not available” means this scenario does not meet an account or amount condition. Neither means $0. Every excluded row retains the calculator's explanation.
Snapshot and scope
Provider sources were checked on Sep 29, 2026; Albert's transfer-fee schedule was checked on Sep 30, 2026. Its mandatory draw fee remains unpublished and it stays unranked. Individual dates are listed with the sources. Some official pages were accessible only through search extracts, and the snapshot records unresolved gaps. Fees can change. This study covers the apps in our guide, not the whole market, and is not personalized financial advice.
The CFPB payday example is a national fee illustration, not a state-specific quote. Credit union PALs use a different term and are outside this app table; read the PAL guide for that option. Our editorial method explains affiliate funding.
EVERY APP. EVERY SCENARIO.
The full comparison table
Open any scenario to inspect all apps. All results and explanations are available without JavaScript. Amounts are in US dollars; equivalent APR is annualized. The CSV contains the same rows.
$50.00 · Standard delivery14 days
| App | Total cost | Equivalent APR | Route and limits |
|---|---|---|---|
| EarnIn, $50, 14 days, Standard | $0.00 | 0.0% | No delivery fee if you can wait 1-2 business days. General fee table, up to $150 per day. Fees, tips and limits differ in some states. Approval and your limit are not assured. |
| Dave ExtraCash, $50, 14 days, Standard | $10.00 | 521.4% | 5% advance fee ($5 minimum), plus the allocated membership. Free ACH delivery takes 2-3 business days. Uses up to $5 monthly membership. Instant delivery to Dave Checking has no delivery fee, but the advance fee still applies. |
| Brigit, $50, 14 days, Standard | $8.99 | 468.8% | Plus membership, with free delivery in 1-3 business days. Uses the $8.99 Plus in-app route. A no-subscription application route is available by email; timing is not verified. |
| MoneyLion Instacash, $50, 14 days, Standard | $0.00 | 0.0% | No delivery fee to a MoneyLion Spend account, usually 1-2 business days. Requires MoneyLion Spend. The July 2026 terms restrict free external delivery to people unable to open Spend; that exception is not assumed. |
| Chime MyPay, $50, 14 days, Standard | Not available | Not available | Requires Chime Checking, an activated physical card and qualifying direct deposits. Select Chime if that is your account. |
| Klover, $50, 14 days, Standard | $0.00 | 0.0% | No delivery fee for standard ACH, usually within 3 business days. Klover+ is optional. General fee table. Indiana, Wisconsin, Connecticut and Maryland have different terms. Points can lower delivery fees; no points discount is assumed. |
| Cleo, $50, 14 days, Standard | $5.99 | 312.3% | Plus membership, with free standard delivery in 3-4 days. Uses the $5.99 Plus in-app route. Non-subscribers may contact customer service. Published maximums conflict; this comparison stops at $250. |
| FloatMe, $50, 14 days, Standard | $6.99 | 364.5% | Membership, with free ACH delivery in 1-3 business days. Uses the $6.99 membership route. A no-cost route is available by email; timing is not verified. The maximum is $200. Indiana fees differ. |
| Albert Instant, $50, 14 days, Standard | Not published | Not published | Mandatory draw fee shown in app. The published external fast-transfer fee does not establish the full advance cost; draw fees remain unpublished. |
| Tilt, $50, 14 days, Standard | $8.00 | 417.1% | Membership, with free ACH delivery in about 1 business day. Uses $8 per month after the trial. A waiver can be requested by email. Delivery to the Tilt debit card is free, generally within 1 minute. Wisconsin and Maryland fees differ. |
| Varo Advance, $50, 14 days, Standard | Not published | Not published | Requires a Varo account. Without $800 in qualifying deposits, the supplied percentage and dollar fee table conflict. Check the app; this price is not ranked. |
| Current, $50, 14 days, Standard | $0.00 | 0.0% | No delivery fee into a Current Account, typically within 3 business days. Requires a Current Account and an eligible payroll deposit of $200 or more. This is not a transfer to your selected outside bank. State restrictions apply. |
$50.00 · Instant delivery14 days
| App | Total cost | Equivalent APR | Route and limits |
|---|---|---|---|
| EarnIn, $50, 14 days, Instant | $3.99 | 208.1% | Lightning delivery fee; no monthly membership. General fee table, up to $150 per day. Fees, tips and limits differ in some states. Approval and your limit are not assured. |
| Dave ExtraCash, $50, 14 days, Instant | $10.75 | 560.5% | 5% advance fee ($5 minimum), plus the allocated membership and 1.5% external debit delivery fee. Uses up to $5 monthly membership. Instant delivery to Dave Checking has no delivery fee, but the advance fee still applies. |
| Brigit, $50, 14 days, Instant | Not published | Not published | Fee shown in app. The exact instant fee for this amount is unpublished. Select standard delivery to compare the known standard cost. |
| MoneyLion Instacash, $50, 14 days, Instant | $5.99 | 312.3% | External-account Turbo fees for 1 disbursement, each no more than $100. Uses the external-account table. Delivery to MoneyLion Spend has a different fee. Eligibility and bank support still need checking. |
| Chime MyPay, $50, 14 days, Instant | Not available | Not available | Requires Chime Checking, an activated physical card and qualifying direct deposits. Select Chime if that is your account. |
| Klover, $50, 14 days, Instant | $5.99 | 312.3% | Uses the published maximum instant fee. Klover+ is optional and is not included. General fee table. Indiana, Wisconsin, Connecticut and Maryland have different terms. Points can lower delivery fees; no points discount is assumed. |
| Cleo, $50, 14 days, Instant | Not published | Not published | Fee shown in app. The exact instant fee for this amount is unpublished. Select standard delivery to compare the known standard cost. |
| FloatMe, $50, 14 days, Instant | $11.99 | 625.2% | Membership plus the published instant fee for this amount. Uses the $6.99 membership route. A no-cost route is available by email; timing is not verified. The maximum is $200. Indiana fees differ. |
| Albert Instant, $50, 14 days, Instant | Not published | Not published | Mandatory draw fee shown in app. The published external fast-transfer fee does not establish the full advance cost; draw fees remain unpublished. |
| Tilt, $50, 14 days, Instant | $11.00 | 573.6% | Membership plus the external-account instant delivery fee. Uses $8 per month after the trial. A waiver can be requested by email. Delivery to the Tilt debit card is free, generally within 1 minute. Wisconsin and Maryland fees differ. |
| Varo Advance, $50, 14 days, Instant | Not published | Not published | Requires a Varo account. Without $800 in qualifying deposits, the supplied percentage and dollar fee table conflict. Check the app; this price is not ranked. |
| Current, $50, 14 days, Instant | Not published | Not published | Fee shown in app. The exact instant fee for this amount is unpublished. Select standard delivery to compare the known standard cost. |
$100.00 · Standard delivery14 days
| App | Total cost | Equivalent APR | Route and limits |
|---|---|---|---|
| EarnIn, $100, 14 days, Standard | $0.00 | 0.0% | No delivery fee if you can wait 1-2 business days. General fee table, up to $150 per day. Fees, tips and limits differ in some states. Approval and your limit are not assured. |
| Dave ExtraCash, $100, 14 days, Standard | $10.00 | 260.7% | 5% advance fee ($5 minimum), plus the allocated membership. Free ACH delivery takes 2-3 business days. Uses up to $5 monthly membership. Instant delivery to Dave Checking has no delivery fee, but the advance fee still applies. |
| Brigit, $100, 14 days, Standard | $8.99 | 234.4% | Plus membership, with free delivery in 1-3 business days. Uses the $8.99 Plus in-app route. A no-subscription application route is available by email; timing is not verified. |
| MoneyLion Instacash, $100, 14 days, Standard | $0.00 | 0.0% | No delivery fee to a MoneyLion Spend account, usually 1-2 business days. Requires MoneyLion Spend. The July 2026 terms restrict free external delivery to people unable to open Spend; that exception is not assumed. |
| Chime MyPay, $100, 14 days, Standard | Not available | Not available | Requires Chime Checking, an activated physical card and qualifying direct deposits. Select Chime if that is your account. |
| Klover, $100, 14 days, Standard | $0.00 | 0.0% | No delivery fee for standard ACH, usually within 3 business days. Klover+ is optional. General fee table. Indiana, Wisconsin, Connecticut and Maryland have different terms. Points can lower delivery fees; no points discount is assumed. |
| Cleo, $100, 14 days, Standard | $5.99 | 156.2% | Plus membership, with free standard delivery in 3-4 days. Uses the $5.99 Plus in-app route. Non-subscribers may contact customer service. Published maximums conflict; this comparison stops at $250. |
| FloatMe, $100, 14 days, Standard | $6.99 | 182.2% | Membership, with free ACH delivery in 1-3 business days. Uses the $6.99 membership route. A no-cost route is available by email; timing is not verified. The maximum is $200. Indiana fees differ. |
| Albert Instant, $100, 14 days, Standard | Not published | Not published | Mandatory draw fee shown in app. The published external fast-transfer fee does not establish the full advance cost; draw fees remain unpublished. |
| Tilt, $100, 14 days, Standard | $8.00 | 208.6% | Membership, with free ACH delivery in about 1 business day. Uses $8 per month after the trial. A waiver can be requested by email. Delivery to the Tilt debit card is free, generally within 1 minute. Wisconsin and Maryland fees differ. |
| Varo Advance, $100, 14 days, Standard | Not published | Not published | Requires a Varo account. Without $800 in qualifying deposits, the supplied percentage and dollar fee table conflict. Check the app; this price is not ranked. |
| Current, $100, 14 days, Standard | $0.00 | 0.0% | No delivery fee into a Current Account, typically within 3 business days. Requires a Current Account and an eligible payroll deposit of $200 or more. This is not a transfer to your selected outside bank. State restrictions apply. |
$100.00 · Instant delivery14 days
| App | Total cost | Equivalent APR | Route and limits |
|---|---|---|---|
| EarnIn, $100, 14 days, Instant | $5.99 | 156.2% | Lightning delivery fee; no monthly membership. General fee table, up to $150 per day. Fees, tips and limits differ in some states. Approval and your limit are not assured. |
| Dave ExtraCash, $100, 14 days, Instant | $11.50 | 299.8% | 5% advance fee ($5 minimum), plus the allocated membership and 1.5% external debit delivery fee. Uses up to $5 monthly membership. Instant delivery to Dave Checking has no delivery fee, but the advance fee still applies. |
| Brigit, $100, 14 days, Instant | Not published | Not published | Fee shown in app. The exact instant fee for this amount is unpublished. Select standard delivery to compare the known standard cost. |
| MoneyLion Instacash, $100, 14 days, Instant | $8.99 | 234.4% | External-account Turbo fees for 1 disbursement, each no more than $100. Uses the external-account table. Delivery to MoneyLion Spend has a different fee. Eligibility and bank support still need checking. |
| Chime MyPay, $100, 14 days, Instant | Not available | Not available | Requires Chime Checking, an activated physical card and qualifying direct deposits. Select Chime if that is your account. |
| Klover, $100, 14 days, Instant | $9.49 | 247.4% | Uses the published maximum instant fee. Klover+ is optional and is not included. General fee table. Indiana, Wisconsin, Connecticut and Maryland have different terms. Points can lower delivery fees; no points discount is assumed. |
| Cleo, $100, 14 days, Instant | Not published | Not published | Fee shown in app. The exact instant fee for this amount is unpublished. Select standard delivery to compare the known standard cost. |
| FloatMe, $100, 14 days, Instant | $14.49 | 377.8% | Membership plus the published instant fee for this amount. Uses the $6.99 membership route. A no-cost route is available by email; timing is not verified. The maximum is $200. Indiana fees differ. |
| Albert Instant, $100, 14 days, Instant | Not published | Not published | Mandatory draw fee shown in app. The published external fast-transfer fee does not establish the full advance cost; draw fees remain unpublished. |
| Tilt, $100, 14 days, Instant | $13.00 | 338.9% | Membership plus the external-account instant delivery fee. Uses $8 per month after the trial. A waiver can be requested by email. Delivery to the Tilt debit card is free, generally within 1 minute. Wisconsin and Maryland fees differ. |
| Varo Advance, $100, 14 days, Instant | Not published | Not published | Requires a Varo account. Without $800 in qualifying deposits, the supplied percentage and dollar fee table conflict. Check the app; this price is not ranked. |
| Current, $100, 14 days, Instant | Not published | Not published | Fee shown in app. The exact instant fee for this amount is unpublished. Select standard delivery to compare the known standard cost. |
$200.00 · Standard delivery14 days
| App | Total cost | Equivalent APR | Route and limits |
|---|---|---|---|
| EarnIn, $200, 14 days, Standard | Not available | Not available | Up to $150 per day in the general program. This amount needs transfers on different days, so it is not ranked as one advance. New York has a lower daily cap. |
| Dave ExtraCash, $200, 14 days, Standard | $15.00 | 195.5% | 5% advance fee ($5 minimum), plus the allocated membership. Free ACH delivery takes 2-3 business days. Uses up to $5 monthly membership. Instant delivery to Dave Checking has no delivery fee, but the advance fee still applies. |
| Brigit, $200, 14 days, Standard | $8.99 | 117.2% | Plus membership, with free delivery in 1-3 business days. Uses the $8.99 Plus in-app route. A no-subscription application route is available by email; timing is not verified. |
| MoneyLion Instacash, $200, 14 days, Standard | $0.00 | 0.0% | No delivery fee to a MoneyLion Spend account, usually 1-2 business days. Requires MoneyLion Spend. The July 2026 terms restrict free external delivery to people unable to open Spend; that exception is not assumed. |
| Chime MyPay, $200, 14 days, Standard | Not available | Not available | Requires Chime Checking, an activated physical card and qualifying direct deposits. Select Chime if that is your account. |
| Klover, $200, 14 days, Standard | $0.00 | 0.0% | No delivery fee for standard ACH, usually within 3 business days. Klover+ is optional. General fee table. Indiana, Wisconsin, Connecticut and Maryland have different terms. Points can lower delivery fees; no points discount is assumed. |
| Cleo, $200, 14 days, Standard | $5.99 | 78.1% | Plus membership, with free standard delivery in 3-4 days. Uses the $5.99 Plus in-app route. Non-subscribers may contact customer service. Published maximums conflict; this comparison stops at $250. |
| FloatMe, $200, 14 days, Standard | $6.99 | 91.1% | Membership, with free ACH delivery in 1-3 business days. Uses the $6.99 membership route. A no-cost route is available by email; timing is not verified. The maximum is $200. Indiana fees differ. |
| Albert Instant, $200, 14 days, Standard | Not published | Not published | Mandatory draw fee shown in app. The published external fast-transfer fee does not establish the full advance cost; draw fees remain unpublished. |
| Tilt, $200, 14 days, Standard | $8.00 | 104.3% | Membership, with free ACH delivery in about 1 business day. Uses $8 per month after the trial. A waiver can be requested by email. Delivery to the Tilt debit card is free, generally within 1 minute. Wisconsin and Maryland fees differ. |
| Varo Advance, $200, 14 days, Standard | Not published | Not published | Requires a Varo account. Without $800 in qualifying deposits, the supplied percentage and dollar fee table conflict. Check the app; this price is not ranked. |
| Current, $200, 14 days, Standard | $0.00 | 0.0% | No delivery fee into a Current Account, typically within 3 business days. Requires a Current Account and an eligible payroll deposit of $200 or more. This is not a transfer to your selected outside bank. State restrictions apply. |
$200.00 · Instant delivery14 days
| App | Total cost | Equivalent APR | Route and limits |
|---|---|---|---|
| EarnIn, $200, 14 days, Instant | Not available | Not available | Up to $150 per day in the general program. This amount needs transfers on different days, so it is not ranked as one advance. New York has a lower daily cap. |
| Dave ExtraCash, $200, 14 days, Instant | $18.00 | 234.6% | 5% advance fee ($5 minimum), plus the allocated membership and 1.5% external debit delivery fee. Uses up to $5 monthly membership. Instant delivery to Dave Checking has no delivery fee, but the advance fee still applies. |
| Brigit, $200, 14 days, Instant | Not published | Not published | Fee shown in app. The exact instant fee for this amount is unpublished. Select standard delivery to compare the known standard cost. |
| MoneyLion Instacash, $200, 14 days, Instant | $17.98 | 234.4% | External-account Turbo fees for 2 disbursements, each no more than $100. Uses the external-account table. Delivery to MoneyLion Spend has a different fee. Eligibility and bank support still need checking. |
| Chime MyPay, $200, 14 days, Instant | Not available | Not available | Requires Chime Checking, an activated physical card and qualifying direct deposits. Select Chime if that is your account. |
| Klover, $200, 14 days, Instant | $15.25 | 198.8% | Uses the published maximum instant fee. Klover+ is optional and is not included. General fee table. Indiana, Wisconsin, Connecticut and Maryland have different terms. Points can lower delivery fees; no points discount is assumed. |
| Cleo, $200, 14 days, Instant | Not published | Not published | Fee shown in app. The exact instant fee for this amount is unpublished. Select standard delivery to compare the known standard cost. |
| FloatMe, $200, 14 days, Instant | $16.99 | 221.5% | Membership plus the published instant fee for this amount. Uses the $6.99 membership route. A no-cost route is available by email; timing is not verified. The maximum is $200. Indiana fees differ. |
| Albert Instant, $200, 14 days, Instant | Not published | Not published | Mandatory draw fee shown in app. The published external fast-transfer fee does not establish the full advance cost; draw fees remain unpublished. |
| Tilt, $200, 14 days, Instant | $15.00 | 195.5% | Membership plus the external-account instant delivery fee. Uses $8 per month after the trial. A waiver can be requested by email. Delivery to the Tilt debit card is free, generally within 1 minute. Wisconsin and Maryland fees differ. |
| Varo Advance, $200, 14 days, Instant | Not published | Not published | Requires a Varo account. Without $800 in qualifying deposits, the supplied percentage and dollar fee table conflict. Check the app; this price is not ranked. |
| Current, $200, 14 days, Instant | Not published | Not published | Fee shown in app. The exact instant fee for this amount is unpublished. Select standard delivery to compare the known standard cost. |
$250.00 · Standard delivery14 days
| App | Total cost | Equivalent APR | Route and limits |
|---|---|---|---|
| EarnIn, $250, 14 days, Standard | Not available | Not available | Up to $150 per day in the general program. This amount needs transfers on different days, so it is not ranked as one advance. New York has a lower daily cap. |
| Dave ExtraCash, $250, 14 days, Standard | $17.50 | 182.5% | 5% advance fee ($5 minimum), plus the allocated membership. Free ACH delivery takes 2-3 business days. Uses up to $5 monthly membership. Instant delivery to Dave Checking has no delivery fee, but the advance fee still applies. |
| Brigit, $250, 14 days, Standard | $8.99 | 93.8% | Plus membership, with free delivery in 1-3 business days. Uses the $8.99 Plus in-app route. A no-subscription application route is available by email; timing is not verified. |
| MoneyLion Instacash, $250, 14 days, Standard | $0.00 | 0.0% | No delivery fee to a MoneyLion Spend account, usually 1-2 business days. Requires MoneyLion Spend. The July 2026 terms restrict free external delivery to people unable to open Spend; that exception is not assumed. |
| Chime MyPay, $250, 14 days, Standard | Not available | Not available | Requires Chime Checking, an activated physical card and qualifying direct deposits. Select Chime if that is your account. |
| Klover, $250, 14 days, Standard | $0.00 | 0.0% | No delivery fee for standard ACH, usually within 3 business days. Klover+ is optional. General fee table. Indiana, Wisconsin, Connecticut and Maryland have different terms. Points can lower delivery fees; no points discount is assumed. |
| Cleo, $250, 14 days, Standard | $5.99 | 62.5% | Plus membership, with free standard delivery in 3-4 days. Uses the $5.99 Plus in-app route. Non-subscribers may contact customer service. Published maximums conflict; this comparison stops at $250. |
| FloatMe, $250, 14 days, Standard | Not available | Not available | Above the published $200.00 advance maximum used here. Check the app for your personal limit. |
| Albert Instant, $250, 14 days, Standard | Not published | Not published | Mandatory draw fee shown in app. The published external fast-transfer fee does not establish the full advance cost; draw fees remain unpublished. |
| Tilt, $250, 14 days, Standard | $8.00 | 83.4% | Membership, with free ACH delivery in about 1 business day. Uses $8 per month after the trial. A waiver can be requested by email. Delivery to the Tilt debit card is free, generally within 1 minute. Wisconsin and Maryland fees differ. |
| Varo Advance, $250, 14 days, Standard | Not published | Not published | Requires a Varo account. Without $800 in qualifying deposits, the supplied percentage and dollar fee table conflict. Check the app; this price is not ranked. |
| Current, $250, 14 days, Standard | $0.00 | 0.0% | No delivery fee into a Current Account, typically within 3 business days. Requires a Current Account and an eligible payroll deposit of $200 or more. This is not a transfer to your selected outside bank. State restrictions apply. |
$250.00 · Instant delivery14 days
| App | Total cost | Equivalent APR | Route and limits |
|---|---|---|---|
| EarnIn, $250, 14 days, Instant | Not available | Not available | Up to $150 per day in the general program. This amount needs transfers on different days, so it is not ranked as one advance. New York has a lower daily cap. |
| Dave ExtraCash, $250, 14 days, Instant | $21.25 | 221.6% | 5% advance fee ($5 minimum), plus the allocated membership and 1.5% external debit delivery fee. Uses up to $5 monthly membership. Instant delivery to Dave Checking has no delivery fee, but the advance fee still applies. |
| Brigit, $250, 14 days, Instant | Not published | Not published | Fee shown in app. The exact instant fee for this amount is unpublished. Select standard delivery to compare the known standard cost. |
| MoneyLion Instacash, $250, 14 days, Instant | $23.97 | 250.0% | External-account Turbo fees for 3 disbursements, each no more than $100. Uses the external-account table. Delivery to MoneyLion Spend has a different fee. Eligibility and bank support still need checking. |
| Chime MyPay, $250, 14 days, Instant | Not available | Not available | Requires Chime Checking, an activated physical card and qualifying direct deposits. Select Chime if that is your account. |
| Klover, $250, 14 days, Instant | $17.99 | 187.6% | Uses the published maximum instant fee. Klover+ is optional and is not included. General fee table. Indiana, Wisconsin, Connecticut and Maryland have different terms. Points can lower delivery fees; no points discount is assumed. |
| Cleo, $250, 14 days, Instant | Not published | Not published | Fee shown in app. The exact instant fee for this amount is unpublished. Select standard delivery to compare the known standard cost. |
| FloatMe, $250, 14 days, Instant | Not available | Not available | Above the published $200.00 advance maximum used here. Check the app for your personal limit. |
| Albert Instant, $250, 14 days, Instant | Not published | Not published | Mandatory draw fee shown in app. The published external fast-transfer fee does not establish the full advance cost; draw fees remain unpublished. |
| Tilt, $250, 14 days, Instant | $16.00 | 166.9% | Membership plus the external-account instant delivery fee. Uses $8 per month after the trial. A waiver can be requested by email. Delivery to the Tilt debit card is free, generally within 1 minute. Wisconsin and Maryland fees differ. |
| Varo Advance, $250, 14 days, Instant | Not published | Not published | Requires a Varo account. Without $800 in qualifying deposits, the supplied percentage and dollar fee table conflict. Check the app; this price is not ranked. |
| Current, $250, 14 days, Instant | Not published | Not published | Fee shown in app. The exact instant fee for this amount is unpublished. Select standard delivery to compare the known standard cost. |
FOR REPORTERS, RESEARCHERS AND READERS
Use this data
Quote the findings, reuse the chart or analyze the downloadable table. Keep the scenario and missing-price limitations with any comparison, and credit the source.
Source: Cash Advance Math, The True Cost of 12 Cash Advance Apps in 2026, cashadvancemath.com/research/cash-advance-app-costs-2026/
The license applies to this study's original analysis and dataset. Linked provider materials retain their own terms. Questions or corrections: hello@cashadvancemath.com.
FOLLOW THE SOURCE
Sources and checked dates
These are the provider documents behind the approved snapshot. Supporting links cover fees, repayment, eligibility and state exceptions. A link is not a guarantee that today's offer matches the snapshot.
EarnIn (Cash Out)
Provider source · Supporting source 1 · Supporting source 2 · Supporting source 3 · Supporting source 4 · Supporting source 5 · Supporting source 6 · Supporting source 7 · Supporting source 8
Checked Sep 29, 2026Dave (ExtraCash)
Provider source · Supporting source 1 · Supporting source 2 · Supporting source 3 · Supporting source 4 · Supporting source 5 · Supporting source 6 · Supporting source 7
Checked Sep 29, 2026Brigit (Instant Cash)
Provider source · Supporting source 1 · Supporting source 2 · Supporting source 3 · Supporting source 4 · Supporting source 5 · Supporting source 6 · Supporting source 7
Checked Sep 29, 2026MoneyLion Instacash
Checked Sep 29, 2026Chime MyPay
Checked Sep 29, 2026Klover
Provider source · Supporting source 1 · Supporting source 2 · Supporting source 3 · Supporting source 4 · Supporting source 5 · Supporting source 6 · Supporting source 7
Checked Sep 29, 2026Cleo
Provider source · Supporting source 1 · Supporting source 2 · Supporting source 3 · Supporting source 4 · Supporting source 5 · Supporting source 6 · Supporting source 7 · Supporting source 8 · Supporting source 9 · Supporting source 10 · Supporting source 11
Checked Sep 29, 2026FloatMe
Provider source · Supporting source 1 · Supporting source 2 · Supporting source 3 · Supporting source 4 · Supporting source 5 · Supporting source 6
Checked Sep 29, 2026Albert (Instant)
Provider source · Supporting source 1 · Supporting source 2 · Supporting source 3 · Supporting source 4
Checked Sep 30, 2026Tilt (formerly Empower)
Checked Sep 29, 2026Varo Advance
Checked Sep 29, 2026Current (Paycheck Advance)
Checked Sep 29, 2026
CFPB typical payday cost example . Checked Sep 29, 2026.
Put your own numbers in
Use the cash advance calculator to change the assumptions, or read the full app profiles before comparing. For longer repayment terms, explore credit union Payday Alternative Loans.