Best Borrow Money Apps

209+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated July 2026

Out of 209+ borrow money apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Borrow Money Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Lenme: Investing and BorrowingLenme: Investing and BorrowingFree4.4★ (73K)YesYesJul 2026
2Dave: Credit, Cash & Money AppDave: Credit, Cash & Money AppFree4.8★ (859K)NoNoJul 2026
3True Finance: Cash AdvanceTrue Finance: Cash AdvanceFree4.8★ (43K)YesNoJul 2026
4Money App - Cash AdvanceMoney App - Cash AdvanceFree4.6★ (25K)YesNoJul 2026
5Cleo AI: Cash Advance & BudgetCleo AI: Cash Advance & BudgetFree4.7★ (244K)YesNoJul 2026
6Tilt: Cash Advance & CreditTilt: Cash Advance & CreditFree4.8★ (448K)YesNoJul 2026
7Cash Advance - Payday BrinCash Advance - Payday BrinFree4.7★ (3K)NoNoJul 2026
8Brigit: Cash Advance & CreditBrigit: Cash Advance & CreditFree4.8★ (531K)NoNoJul 2026

Top Picks for Borrow Money Apps

Lenme: Investing and Borrowing#1

Lenme: Investing and Borrowing by Lenme Inc.

Borrow, Lend & Grow!
Editor's Choice
💰 Finance
4.4😞(73K ratings)
FreeAdsIn-App Purchases
#11in Finance
Lenme: Investing and Borrowing screenshot 1
Lenme: Investing and Borrowing screenshot 2
Lenme: Investing and Borrowing screenshot 3
Lenme: Investing and Borrowing screenshot 4
Lenme: Investing and Borrowing screenshot 5
Lenme: Investing and Borrowing screenshot 6

Access instant cash advances and personal loans regardless of credit score. Borrow or lend money with flexible terms and transparent fees. Explore money-saving tools and passive income opportunities.

What We Love

  • 🚀 Smooth app experience
  • 👍 User-friendly interface
  • 💡 Innovative peer-to-peer lending model
  • 🤝 Helpful when in financial need

Room to Improve

  • 🐛 Frequent app crashes
  • 🕰️ Slow customer support response times
  • 💳 Issues with bank account linking
Dave: Credit, Cash & Money App#2

Dave: Credit, Cash & Money App by Dave, Inc

Better Than A Cash Advance
Strong Contender
💰 Finance
4.8😐(859K ratings)
Free
#20in Finance
Dave: Credit, Cash & Money App screenshot 1
Dave: Credit, Cash & Money App screenshot 2
Dave: Credit, Cash & Money App screenshot 3
Dave: Credit, Cash & Money App screenshot 4
Dave: Credit, Cash & Money App screenshot 5
Dave: Credit, Cash & Money App screenshot 6

Access up to $500 in minutes without a credit check or interest. Get paid up to two days early, avoid pesky fees, and save effortlessly with dedicated savings accounts. This app offers financial management tools to help you reach your goals.

What We Love

  • 🚀 Quick and easy to use
  • 💰 Helpful for financial emergencies
  • 👍 Convenient and user-friendly
  • 🌳 Donates to charity with tips

Room to Improve

  • 🤔 Inconsistent advance limits
  • 🕰️ Slow to update payment information
  • 🤑 Tricky to avoid extra fees
True Finance: Cash Advance#3

True Finance: Cash Advance by True Finance LLC

Get, Earn, and Save Money
Worth Considering
💰 Finance
4.8😞(43K ratings)
FreeAds
#69in Finance
True Finance: Cash Advance screenshot 1
True Finance: Cash Advance screenshot 2
True Finance: Cash Advance screenshot 3
True Finance: Cash Advance screenshot 4
True Finance: Cash Advance screenshot 5
True Finance: Cash Advance screenshot 6

Access instant cash advances, manage your budget with smart tools, and track your credit score. Earn extra income by playing games or taking surveys. Explore financial products from trusted partners.

What We Love

  • 💰 Quick cash advances
  • 🤑 Easy to earn extra money
  • 📈 Helpful for credit score tracking
  • 🤝 Good customer service

Room to Improve

  • 💸 Upfront fees required
  • 🚫 Limited eligibility and availability
  • ⏱️ Slow payout times

More Borrow Money Apps apps to explore

4
Money App - Cash Advance
Money App - Cash Advance
Money App - Cash Advance
by PRG Ventures, Inc.
Free

Access your earned wages early to cover immediate expenses like groceries, gas, and bills. This service allows you to get cash before your payday without interest, credit checks, or hidden fees. Repayment is automatic via payroll deduction or linked bank account.

Access earned wages earlyNo interest or credit checksNo late or hidden fees
💰 Finance
(25K)
free with in-app purchases
5
Cleo AI: Cash Advance & Budget
Cleo AI: Cash Advance & Budget
Cleo AI: Cash Advance & Budget
Track, Budget, & Save Cash!
Free

This AI-powered financial assistant helps you manage your money through conversational chat. It offers budgeting tools, savings accounts with high APY, credit building features, and cash advances without interest or credit checks.

AI-powered financial chatBudgeting and spending trackingCash advances up to $250
💰 Finance
(244K)
freemium
6
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Cash Advance, Credit Cards
Free

Access cash and credit through advances, lines of credit, and credit cards. The app evaluates real-time income and spending to determine eligibility, offering options without traditional credit checks. It also provides credit score monitoring and automated savings features.

Cash advances up to $400Lines of credit up to $1,000Credit cards with cash back rewards
💰 Finance
(448K)
subscription
7
Cash Advance - Payday Brin
Cash Advance - Payday Brin
Cash Advance - Payday Brin
No Credit Check, Cash Today
Free

Quickly explore cash advance and personal loan options up to $900 with transparent terms and fast comparison. Understand eligibility, costs, and repayment details before committing.

Explore cash advances up to $900Compare loan amounts and ratesReview repayment terms
💰 Finance
(3K)
free
8
Brigit: Cash Advance & Credit
Brigit: Cash Advance & Credit
Brigit: Cash Advance & Credit
Get $25-$500* in Minutes
Free

Access fast cash advances, build credit history without a card, and manage your finances with smart budgeting tools. Get personalized loan offers, earn extra money, and protect your identity. Offers free financial insights and paid plans for enhanced features.

Instant cash advances up to $500Build credit history with on-time paymentsPersonal loan offers from partners
💰 Finance
(531K)
free with in-app purchases
9
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Up to $750 Before Payday
Free

Access cash advances up to $750 before your next payday without credit checks, late fees, or interest. Earn points for surveys and ads to increase your advance amount. Utilize budgeting tools and track your credit score.

Cash advances up to $750No credit checks, late fees, or interestEarn points for surveys and ads
💰 Finance
(359K)
free with in-app purchases
10
Cash Boost: Cash Advance
Cash Boost: Cash Advance
Cash Boost: Cash Advance
Instant Money, Always Ready
Free

Quickly compare cash advances, personal loans up to $1,500, and credit cards in one place. Understand potential costs and key terms upfront to make informed financial decisions.

Compare cash advancesExplore personal loans up to $1,500Compare credit card options
💰 Finance
(2.3K)
free
11
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
Borrow Money Between Paychecks
Free

Access quick cash advances to cover bills and expenses between paychecks. This app offers money management tools, low balance alerts, and a marketplace for earning opportunities. Securely connect your bank account for seamless transactions.

Cash advances up to $50No credit checks or interestCash flow calendar
💰 Finance
(147K)
subscription
12
MoneyLion: Banking & Cash Back
MoneyLion: Banking & Cash Back
MoneyLion: Banking & Cash Back
Cashback rewards & Loan Offers
Free

Access mobile banking, personal finance tools, and cash advances. Earn cashback rewards and explore loan offers. Build credit with a membership and get paid up to two days early with direct deposit.

Mobile banking with early direct depositCash advances up to $1000Cashback rewards on spending
💰 Finance
(318K)
free with in-app purchases
13
Vola: Cash Advance & Credit
Vola: Cash Advance & Credit
Vola: Cash Advance & Credit
Improve Credit health & Save
Free

Access instant cash advances up to $500 with no interest or credit checks. Build your credit score by reporting rent payments and track your financial health with budgeting tools. Take control of your finances with this all-in-one financial management app.

Instant cash advances up to $500No interest, no credit checkBuild credit by reporting rent
💰 Finance
(34K)
free
14
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Helping you borrow, better.
Free

Access funds quickly with a transparent and simple borrowing process. Check your rate in minutes without impacting your credit score. Apply for fixed-rate loans from $500 to $75,000 for various needs.

Check rate without credit score impactFast approvals and fundingPersonal loans up to $75,000
💰 Finance
(37K)
free
15
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Bank, Budget & Build Credit
Free

This app offers instant cash advances up to $1,000 without interest or credit checks. It also automatically builds your credit with every purchase and provides AI-powered financial tools to optimize your money.

Instant cash advances up to $1,000Automatic credit building on every purchaseAI agents for job finding, deals, price comparison, and budgeting
💰 Finance
(31K)
free with in-app purchases
16
Borrow Money Instantly Now App
Borrow Money Instantly Now App
Borrow Money Instantly Now App
Online Loans Without Rejects
Free
💰 Finance
(0)
17
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
AI Loan Asst > Credit & Loans
Free

Access cash advances up to $750 with no credit check and no interest. Explore loan offers up to $10,000 with no score impact. Rebuild your credit history through on-time payments and rent reporting, and receive AI-driven budgeting and debt-payoff plans.

Cash advance up to $750Loan offers up to $10,000Credit history rebuilding
💰 Finance
(258K)
subscription
18
Gerald - Cash Advance
Gerald - Cash Advance
Gerald - Cash Advance
Get Cash Fast, No Credit Check
Free

Access instant cash advances for everyday essentials and household items without credit checks, interest, or hidden fees. Earn rewards and play games to fund future purchases.

Buy Now, Pay Later with AdvanceInstant FREE Cash Advance TransferStore Rewards
💰 Finance
(28K)
free with in-app purchases
19
Step: All-In-One Money App
Step: All-In-One Money App
Step: All-In-One Money App
Build, Spend, Save, and Borrow
Free

This app helps users build credit, earn cashback on purchases, and save money with high interest rates. It also offers early access to funds and opportunities to earn extra cash through various activities. The platform aims to improve financial independence and offers a secure, globally accepted Visa card.

Build credit for freeCashback on purchasesEarn interest on savings
💰 Finance
(81K)
free with in-app purchases
20
VANSi - Cash Advance
VANSi - Cash Advance
VANSi - Cash Advance
Access Future Income
Free

Access your future income with this app that provides financial wellness insights and instant pay capabilities. It helps you avoid overdrafts by allowing transfers from future earnings and offers on-demand cash advances to bridge financial gaps. Maintain your membership to continuously access and grow these advance amounts.

Financial wellness insightsInstant pay and transfersAvoid overdrafts
💰 Finance
(25K)
free with in-app purchases

FAQ about Borrow Money Apps

What are the best borrow money apps for iPhone?
Lenme: Investing and Borrowing tops our borrow money apps ranking as of July 2026, with a 4.4-star average from 73K App Store ratings, and it's free to download.
Yes — 20 of the top borrow money apps we rank are free to download, including Lenme: Investing and Borrowing and Dave: Credit, Cash & Money App.
Lenme: Investing and Borrowing shows ads and offers in-app purchases, according to its App Store listing as of July 2026.
We track 209+ borrow money apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
Lenme is a financial platform that connects individuals looking to borrow money with lenders, including financial institutions, businesses, and individual investors. It facilitates personal loans, instant cash advances, and offers opportunities for users to earn passive income by lending.
You can access instant cash advances, with options for up to $200, regardless of your credit score. The app aims to make personal loans simple and accessible for various needs, from unexpected bills to everyday expenses.