Best Current Apps

4.8😐(196K ratings)

Free

#42in Finance

Manage your finances with a mobile banking app that offers early direct deposit, fee-free overdrafts, and credit building tools. Earn cash back on purchases and interest on savings.

What We Love

🚀 Early paycheck deposits
💳 Unique and stylish debit card design
💰 Competitive savings interest rates
🔒 Secure banking experience
💸 Helpful overdraft protection
📱 Intuitive and user-friendly mobile app

Room to Improve

🕰️ Slow mobile check deposit process
🤖 Inconsistent and impersonal customer service
🔍 Difficulty resolving disputes and fraudulent charges
🔒 Security and account access issues
💳 Limitations on ATM withdrawals and card usage

Varo Bank: Online Banking by Varo Money inc

Early Payday & Cash Advances

Strong Contender

4.9😞(233K ratings)

Free

#50in Finance

This digital bank offers early payday access and cash advances up to $500. It provides high APY on savings, auto-saving tools, and a free secured credit card. Send money easily to anyone with just a phone number or email.

What We Love

💳 Great credit building card
🚀 Fast and efficient banking
🔒 Secure credit and debit cards
💰 Competitive interest rates
💳 Helpful advance and borrowing features

Room to Improve

🕰️ Slow mobile check deposits
🤖 Ineffective customer service
🔒 Difficulty accessing accounts during maintenance
💰 Restrictive transfer and deposit limits
🐛 Technical issues with app and transactions

Beem: Cash Advance & Banking by Line Financial, Pbc

Bank, Budget & Build Credit

Worth Considering

Credit, Cash back, Savings

4.2😐(33K ratings)

Free

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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.

What We Love

🚀 Quick cash advances
💳 Convenient instant cash withdrawals
🔒 Secure app with identity verification
💰 Helpful in emergency situations
📊 Budgeting and financial management tools
🤝 Responsive and helpful customer support

Room to Improve

🐛 Frequent app crashes and bugs
⏰ Long wait times for approval and increased limits
💰 Subscription fees and withdrawal fees
🤔 Unclear eligibility criteria and waitlists
🔍 Difficulty linking bank accounts and deactivating accounts
❌ Unreliable instant cash feature

More Current apps to explore

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Early payday accessFee-free overdraft protectionCredit building tools

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Dave: Credit, Cash & Money App

Get Paid Early, No Hidden Fees

Up to $500 cash advanceNo credit check or interest on advancesGet paid up to 2 days early

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.

FloatMe: Fast Cash Advance App

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freemium

Support When You Need Money

Cash advances up to $50No credit checks or interestCash flow calendar

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.

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Get Cash Fast, No Credit Check

Gerald - Cash Advance

Buy Now, Pay Later with AdvanceInstant FREE Cash Advance TransferStore Rewards

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.

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No Credit Check Payday Advance

B9: Cash Advance

Early paycheck accessCash advances up to $1kAdvance limit grows with direct deposit

Access your paycheck early with cash advances that grow with your direct deposits. This banking app offers simple financial tools, rewards, and opportunities to earn extra money directly from your phone.

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Money App - Cash Advance

by PRG Ventures, Inc.

Access earned wages earlyNo interest or credit checksNo late or hidden fees

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.

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Bank. Borrow. Build Credit.

OnePay – Mobile Banking

Early pay and rewardsHigh-yield savings accountsCash back credit card

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

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Money. Debit Card. Bitcoin.

Cash App

Send & receive money/bitcoin instantlyRound up spare change to saveInvest in stocks, ETFs, and bitcoin

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

(8.7M)

Tilt: Cash Advance & Credit

Cash Advance, Credit Cards

Cash advances up to $400Lines of credit up to $1,000Credit cards with cash back rewards

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.

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Step: All-In-One Money App

Build, Spend, Save, and Borrow

Build credit for freeCashback on purchasesEarn interest on savings

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.

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True Finance: Cash Advance

Get, Earn, and Save Money

Instant cash advances up to $150Smart budgeting and spending trackerEarn rewards by playing games and surveys

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.

(68K)

Brigit: Cash Advance & Credit

Get $25-$500* in Minutes

Instant cash advances up to $500Build credit history with on-time paymentsPersonal loan offers from partners

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.

(560K)

Klover - Instant Cash Advance

Up to $750 Before Payday

Cash advances up to $750No credit checks, late fees, or interestEarn points for surveys and ads

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.

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Possible: Fast Cash & Credit

Borrow money, loans, advances

Borrow up to $500 instantlyNo late or penalty feesPay over time in 4 installments

Access quick cash advances and build your credit history with a loan that offers no late fees and flexible repayment options. Borrow up to $500 instantly, even with bad or no credit, and receive funds directly to your bank account.

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Cash Advance - Payday Brin

No Credit Check, Cash Today

Explore cash advances up to $900Compare loan amounts and ratesReview repayment terms

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.

MoneyLion: Cash Advance App

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free

Cashback rewards & Loan Offers

Mobile banking with early direct depositCash advances up to $1000Cashback rewards on spending

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.

(326K)

Self - Credit Builder & Cards

Build credit for a credit card

Build credit and savings togetherCash advances up to $100Secured Visa credit card with no credit check

Build your credit history and savings simultaneously with tools designed to improve your financial wellness. Access quick cash advances for unexpected expenses without a credit check. Report rent and utility payments to boost your score.

(331K)