25 Best Cash Advance Apps Like Dave in 2025

Best Cash Advance apps like Dave have recently become popular in the USA. The quick and easy access to short-term loans and quick cash flow feature of these best cash advance apps come in really handy to manage unforeseen financial requirements such as medical bills. Let’s uncover the top 25 best advance cash apps like Dave in our blog today!

What are the Cash Advance apps?

Cash advance apps are famous financial tools developed to provide users with quick access to cash advances such as small amounts of loans in advance of their upcoming paycheck. In simpler terms, Cash advance apps are mobile payment services that allow you to lend small amounts of loans in advance, typically as an advance on your paycheck. These apps are quick financial management tools with cash advance program unlike traditional banks with slow banking services for loan approvals to pay upcoming bills.

How does Best Advance Cash App works?

Users are required to do the following:

1. Linking Bank Accounts: Usually, users are required to link their bank accounts to the chosen app. This allows the best advance cash apps to analyze their income and spending patterns.
2. Determining Eligibility: Now, based on the user’s earnings history, employment status, and transaction history (pulled by these best advance cash apps using the user’s financial records), the app calculates the best eligible cash advance amount. Not to mention, this amount is also typically capped at a few hundred dollars to avoid misuse.
3. Receiving Funds: Once approved, users using the best apps can request cash before payday. The funds are usually transferred to their bank account almost instantly or within a few hours.
4. Repayment: Now, the app automatically deducts the borrowed amount from the user’s bank account as specified on their next payday, eliminating the need for manual payments.

Key Features of Best Cash Advance Apps

1. Many best cash advance apps often charge minimal fees, usually a subscription fee rather than interest rates like traditional loans.
2. Top best advance cash apps do not perform a hard credit inquiry, making them highly useful for individuals with low or no credit history.
3. These apps also have additional features like financial planning, budgeting advice, and savings tools to help users with better money management.
4. Quick turnaround makes these best advance cash apps a convenient option during financial emergencies.

1. Brigit

Launched on: 2019
App Ratings: 4.7/5 (Google Play Store), 4.8/5 (App Store)
Features:

• Instant cash advance service up to $250.
• Budget tracking and financial insights.
• Overdraft prediction to help avoid fees.
• Wide range of savings and credit score-building tools.

Pros:

• Easy-to-use interface.
• Similar to the best advance cash apps, it does not require any hard credit check.
• Offers financial health insights for financial assistance.

Cons:

• Limited cash withdrawals.
• Requires a subscription for premium features.

Available On: Android, iOS
Paid Subscription: $9.99/month for premium features

2. Klover

Launched on: 2020
App Ratings: 4.4/5 (Google Play Store), 4.5/5 (App Store)
Features:

• One of the top features of Klover (among best advance cash apps) is instant cash advances with no interest.
• Rewards for engaging with surveys and brand offers.
• Wide range of inbuilt financial tools for budgeting and spending analysis.
• Helpful in improving budgeting skills.

Pros:

• No credit check or any additional fees for cash advances.
• Interest-free cash advances.
• Earn extra cashback rewards through app activities.
• Simple and fast application process within business days.

Cons:

• Limited cash withdrawals.
• Earnings through surveys may take time.

Available On: Android, iOS
Paid Subscription: None

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3. MoneyLion

Launched on: 2013
App Ratings: 4.6/5 (Google Play Store), 4.7/5 (App Store)
Features:

• Up to $1,000 cash advances with 0% APR, make it one of the top contenders for our best cash advance apps list.
• Comprehensive financial tools, including budgeting and investment options.
• Credit monitoring to build credit scores with credit builder loans, personal loans, credit cards, etc.

Pros:

• A broad range of financial services.
• Automatic advances.
• Check bank account balance.
• No interest fees on cash advances, within business days.
• Includes investment and credit-building tools.

Cons:

• Some features require a membership fee for cash deposits.
• Investments carry a learning curve.

Available On: Android, iOS
Paid Subscription: $19.99 monthly membership fee

4. Empower

Launched on: 2017
App Ratings: 4.5/5 (Google Play Store), 4.6/5 (App Store)
Features:

• Quick cash advances up to $250 with no interest.
• Budgeting tools and automated savings options.
• Expense tracking and customizable notifications.
• Requires bank details and credit checks with external banks.
• Automatic budgeting features.

Pros:

• Interest-free extra cash advances.
• Useful budgeting and savings tools.
• Fast approval process.

Cons:

• A subscription fee is required after the free trial.
• Limited to smaller cash advances.

Available On: Android, iOS
Paid Subscription: $8/month monthly membership fee

5. Chime SpotMe

Launched on: 2013
App Ratings: 4.6/5 (Google Play Store), 4.8/5 (App Store)
Features:

• Fee-free overdrafts up to $200.
• Mobile banking with a linked debit card. or secured credit card.
• Early direct deposit feature for paychecks to savings accounts.
• Requires credit checks with external banks.
• Proof of steady income.

Pros:

• No overdraft fees.
• Offers early paycheck access for tight spots.
• User-friendly interface.

Cons:

• Limited overdraft limits initially.
• Requires a Chime account to use SpotMe.

Available On: Android, iOS
Paid Subscription: None

6. Venmo

Launched on: 2009
App Ratings: 4.2/5 (Google Play Store), 4.9/5 (App Store)
Features:

• Made while keeping in mind the spending trends of people.
• This is one of the widely known payday loan apps that allows peer-to-peer payments with social sharing options.
• Integrated with a wide range of major apps for seamless payments.
• Offers a Venmo debit card.

Pros:

• Easy to send and receive money.
• Social feed for transactions.
• Fast and secure payments.
• Proof for steady income.

Cons:

• 1% fee for instant transfers.
• Limited features for international users.

Available On: Android, iOS
Paid Subscription: Optional fees for premium features

7. FloatMe

Launched on: 2020
App Ratings: 4.4/5 (Google Play Store), 4.6/5 (App Store)
Features:

• Small cash advances up to $50.
• Expense tracking and overdraft protection.
• Push notifications for account updates.

Pros:

• Simple and quick to use.
• Helps avoid overdraft fees.
• No credit checks with external banks required.

Cons:

• Low cash advance limit.
• Monthly subscription fee.

Available On: Android, iOS
Paid Subscription: $1.99/month

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8. Cleo

Launched on: 2016
App Ratings: 4.1/5 (Google Play Store), 4.5/5 (App Store)
Features:

• In-built personal finance app with AI-powered financial assistant for budgeting and saving.
• Instant cash advances and overdraft protection.
• Fun and engaging insights with GIFs and memes.
• Need consistent income.

Pros:

• Entertaining and interactive interface.
• Offers tips for better financial management.
• Free basic version.
• Checks with external banks.

Cons:

• Cash advance limited to $100.
• Advanced features require a subscription.

Available On: Android, iOS
Paid Subscription: $5.99/month for Cleo Plus

9. Acorns

Launched on: 2012
App Ratings: 4.3/5 (Google Play Store), 4.7/5 (App Store)
Features:

• Automated savings by rounding up transactions for positive balance.
• Investment options tailored to risk preferences.
• Retirement accounts and family plans.
• Also requires credit checks for eligibility requirements with external banks.

Pros:

• Encourages passive saving and investing.
• Simple and beginner-friendly investment tools.
• Low starting investment requirement.

Cons:

• Monthly fees can reduce small returns.
• Limited control over investments.

Available On: Android, iOS
Paid Subscription: $3-$12/month

10. PayActiv

Launched on: 2012
App Ratings: 4.4/5 (Google Play Store), 4.7/5 (App Store)
Features:

• Access to cash before payday for a positive balance.
• Financial planning tools and bill payment options.
• Integrates with employer payroll systems.

Pros:

• No loans or credit checks required.
• Useful for avoiding late payment fees.
• Includes financial literacy resources.

Cons:

• Employer participation required.
• Limited availability based on work hours.

Available On: Android, iOS
Paid Subscription: Fee-based per transaction

11. Albert Cash

Launched on: 2015
App Ratings: 4.6/5 (Google Play Store), 4.8/5 (App Store)
Features:

• Smart budgeting and savings tools.
• Convenient cash advances up to $250.
• Financial advice from human experts.

Pros:

• Combines AI insights with human expertise.
• Cash advance fees is interest-free .
• Automatic savings options.

Cons:

• Some features require a subscription.
• Limited for advanced financial planning.

Available On: Android, iOS
Paid Subscription: $8/month minimum contribution

12. Digit

Launched on: 2015
App Ratings: 4.3/5 (Google Play Store), 4.5/5 (App Store)
Features:

• Automatically saves small amounts based on spending habits.
• Offers investment and retirement options.
• Built-in tools for budgeting and bills.

Pros:

• Automates savings with minimal user effort.
• Includes investment opportunities.
• Free trial available.

Cons:

• Monthly fee required.
• Savings automation may not suit everyone.

Available On: Android, iOS
Paid Subscription: $5/month

13. Earnin

Launched on: 2013
App Ratings: 4.5/5 (Google Play Store), 4.7/5 (App Store)
Features:

• Access earned wages without waiting for payday.
• Built-in overdraft protection and balance alerts.
• Optional tips to support the service.

Pros:

• No mandatory fees.
• Helps avoid payday loans.
• Easy to set up with bank account linking.

Cons:

• Limited to $500/pay period.
• Requires consistent work hours for eligibility.

Available On: Android, iOS
Paid Subscription: None (optional tips)

14. DailyPay

Launched on: 2015
App Ratings: 4.4/5 (Google Play Store), 4.6/5 (App Store)
Features:

• Access wages earned before payday.
• Real-time balance updates for employees.
• Employer-integrated solution for fast access.

Pros:

• Transparent and easy-to-use interface.
• Avoids reliance on payday loans.
• Instant access to funds and direct deposits when needed.

Cons:

• Requires employer participation.
• Transaction fees for each advance.

Available On: Android, iOS
Paid Subscription: Fee-based per transaction

15. Possible

Launched on: 2018
App Ratings: 4.5/5 (Google Play Store), 4.6/5 (App Store)
Features:

• One of the known best instant cash advance apps, allowing short-term personal loans with low interest.
• Credit score monitoring.
• Credit reporting to help build credit scores for bad credit fixes.
• Flexible repayment plans.

Pros:

• Transparent loan terms with active bank.
• Helps improve credit with timely payments.
• Flexible and user-friendly.

Cons:

• Interest rates may be high for some.
• Limited loan amounts.

Available On: Android, iOS
Paid Subscription: None (interest-based loans)

16. Branch

Launched on: 2015
App Ratings: 4.3/5 (Google Play Store), 4.5/5 (App Store)
Features:

• Pay advances for hourly and salaried workers with active bank.
• Tools for managing tips and payroll.
• Employer integration for faster approvals.

Pros:

• Quick access to earned wages.
• Includes workforce management features.
• No interest or hidden fees.
• Customer support is available for business days.

Cons:

• Employer integration required for the source of income verifications.
• Limited functionality without employer participation.

Available On: Android, iOS
Paid Subscription: None

17. SoLo Funds

Launched on: 2018
App Ratings: 4.4/5 (Google Play Store), 4.6/5 (App Store)
Features:

• Peer-to-peer lending platform.
• Set loan terms directly with other users.
• Community-driven with optional tips.

Pros:

• Flexible loan amounts and repayment terms.
• No mandatory fees or interest.
• Supports community-driven financial solutions.

Cons:

• Risk of loan defaults.
• Source of income requriement.
• Limited to small loan amounts.

Available On: Android, iOS
Paid Subscription: None

18. Varo

Launched on: 2017
App Ratings: 4.6/5 (Google Play Store), 4.7/5 (App Store)
Features:

• Mobile banking with no monthly fees.
• Fee-free overdrafts up to $50, makes it one of the best advance cash apps.
• High-yield savings account options.

Pros:

• No account fees or overdraft charges.
• Early direct deposit for paychecks.
• Easy to use, quick funds, and secure.

Cons:

• Source of income needed.
• Limited cash advance options.
• Overdraft limit depends on account activity.

Available On: Android, iOS
Paid Subscription: None

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19. Qapital

Launched on: 2015
App Ratings: 4.4/5 (Google Play Store), 4.6/5 (App Store)
Features:

• Savings goals based on spending trends.
• Invest in spare change with tailored portfolios to earn some extra money.
• Built-in financial planning tools.

Pros:

• Helps users save and invest easily.
• Gamified savings rules for engagement.
• Customizable financial goals.

Cons:

• Monthly fee required.
• Limited cash advance features.

Available On: Android, iOS
Paid Subscription: $3-$12/month

20. Grid

Launched on: 2019
App Ratings: 4.3/5 (Google Play Store), 4.5/5 (App Store)
Features:

• Grid, is one of the best advance cash apps, and offers inbuilt credit-building tools and easy external bank loans.
• Small cash advances with no interest.
• Educational resources for financial literacy.

Pros:

• Helps improve credit scores.
• Simple and easy-to-use interface.
• Free basic features.

Cons:

• Limited cash advance options.
• Subscription required for premium features.

Available On: Android, iOS
Paid Subscription: $8.99/month

21. Truebill

Launched on: 2015
App Ratings: 4.5/5 (Google Play Store), 4.7/5 (App Store)
Features:

• Tracks and cancels unwanted subscriptions.
• Automated savings and bill negotiation tools.
• Detailed spending insights.

Pros:

• Saves money by eliminating unnecessary subscriptions.
• Easy-to-understand budgeting tools.
• Free basic plan available.

Cons:

• Bill negotiation services take a cut of savings.
• Advanced features require a subscription.

Available On: Android, iOS
Paid Subscription: $3-$12/month

22. Zirtue

Launched on: 2018
App Ratings: 4.5/5 (Google Play Store), 4.6/5 (App Store)
Features:

• Peer-to-peer lending payday lenders with repayment tracking.
• Option to lend and borrow from friends and family.
• Automated reminders and direct bank payments.
• Digital banking platform with quick access to money in 2-3 buisness days period of time

Pros:

• Simplifies borrowing between trusted contacts.
• No credit check is required under eligibility requirements.
• Transparent and easy-to-use repayment system.

Cons:

• Relies on trust between users.
• Limited to personal loans among acquaintances.

Available On: Android, iOS
Paid Subscription: None

23. Vola Finance

Launched on: 2018
App Ratings: 4.2/5 (Google Play Store), 4.5/5 (App Store)
Features:

• Instant cash advances up to $300, making it one of the best advance cash apps. 
• Personalized financial tips and tools.
• Automated insights into spending habits.

Pros:

• Fast approval process.
• Supports financial literacy.
• Easy-to-use app design.

Cons:

• Subscription fee required.
• Limited cash advance options.

Available On: Android, iOS
Paid Subscription: $4.99-$9.99/month

24. Current

Launched on: 2015
App Ratings: 4.6/5 (Google Play Store), 4.8/5 (App Store)
Features:

• Fee-free banking with overdraft protection.
• Simple enter your bank account details and get early access to paychecks.
• High-yield savings pods for better returns.

Pros:

• No account or overdraft fees, similar to best advance cash apps.
• Modern and intuitive interface.
• Supports financial growth with savings tools.

Cons:

• Limited cash advance features.
• Some advanced tools require a subscription.

Available On: Android, iOS
Paid Subscription: None

25. Cash App

Launched on: 2013
App Ratings: 4.4/5 (Google Play Store), 4.8/5 (App Store)
Features:

• Among top peer-to-peer payments and direct deposit money apps.
• Bitcoin trading and stock investment options.
• Cash Card for instant spending and savings.

Pros:

• Versatile financial platform acting as a budgeting assistance.
• Offers investment and cryptocurrency trading.
• Easy to set up and quick access to money.

Cons:

• Transaction fees for certain services.
• Limited financial planning tools.

Available On: Android, iOS
Paid Subscription: None (optional fees for premium features)

Conclusion

Hope you loved our top 25 best advance cash apps or payday loan apps recommendations in 2025. These best advance cash apps offer lower-cost alternatives and convenience to the users when in need of a quick small loan.

FAQs

1. What Is A Cash Advance App?

A cash advance app is simply a mobile application that enables users to quickly access short-term loans in advance with regard to their paychecks.

2. What app lets me borrow money instantly?

All these 25 best advance cash alternative apps are safe to use and employ advanced security measures to protect personal and financial information.

3. What Are The Eligibility Criteria To Use These Best Cash Advance Apps?

Eligibility criteria for these best advance cash apps vary depending on the terms and conditions of the lending companies. The most common factors often involve employment status, regular income, banking details, and age verification.

4. What Happens If I Don’t Repay The Cash Advance?

Usually, the payment is directly deducted as soon as you receive your payment in your associated bank account. Failure to repay the cash advance may also result in additional fees, collection efforts, and potential damage to your credit score.

5. How do I get $500 on Dave app?

You could get up to $500 when you download Dave, link a bank account, open your Dave accounts, and transfer it to your Dave Checking account.

6. What app is better than Dave?

You can try these Money Lion, Klover, and Brigit. These apps like Dave offer cash advance feature for quick wages before payday.