$25 Loan Instant App: 9 Apps to Consider in 2023

Need to know the best instant loan apps? We reviewed the best cash advance apps like Chime, Empower, Earnin, Dave, Albert and MoneyLion.

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When it comes to using a $25 loan instant app, there is no question that it can be beneficial if you need money in a hurry. You’ve probably seen payday loan stores or online ads for instant cash advances at some point in your life.

Whether you need money to cover an expense to avoid overdraft fees or just need access to money in a rush, these $25 loan instant app no credit check apps can help you get paid today. In this article, we will cover the most popular cash advance apps for iOS and Android in 2023.

What Are $25 Instant Loan Apps?

$25 instant loan apps are cash advance apps that offer small, short-term loans that can be approved and disbursed quickly, typically within a few hours or even minutes. These instant money apps allow users to borrow small amounts of money, usually up to $1,000, to cover unexpected expenses or bridge the gap until their next paycheck.

The application process for $25 instant loan apps is typically completed online through the app, and users can often receive an approval decision within minutes. Once approved, funds are usually deposited directly into the user’s bank account or onto a prepaid debit card provided by the app.

However, it’s important to note that $25 instant loan apps often come with higher interest rates and fees than traditional loans, and they should only be used in emergencies or when you can afford to repay the loan within the agreed-upon timeframe. Before applying for a loan through an instant loan app, it’s important to carefully read the terms and conditions and compare rates and fees between different apps.

Top $25 Loan Instant Apps

These cash advance apps that loan you money are all highly reviewed and legitimate. In a hurry? Here are the top loan apps for instant money.

#1
  • Rating:
  • Fees: $8/mo
  • Pros:
    • App Store: 4.9 – ‎136k reviews
    • Get $250 with no credit check
#2
  • Rating:
  • Fees: $8/mo
  • Pros:
    • App Store: 4.8 – ‎86k reviews
    • Receive up to $250 today
#1
Rating:
Fees: $8/mo
Pros:
  • App Store: 4.9 – ‎136k reviews
  • Get $250 with no credit check
#2
Rating:
Fees: $8/mo
Pros:
  • App Store: 4.8 – ‎86k reviews
  • Receive up to $250 today
  1. Best overall: Albert
  2. Best for cash advances: Empower
  3. Best option for no fees: Dave
  4. Best for small amounts: Chime
  5. Best for gig workers: Cleo
  6. Best payday membership: MoneyLion
  7. Best for workers with hourly wages: Earnin
  8. Best for saving on overdraft fees: Brigit
  9. Best for paycheck advances: PayActiv

1. Albert: Best Overall

You can request up to $250 through up to three cash advances per pay period with Albert.

Cash advances with Albert come with a small fee if you want your money instantly.

Otherwise, you’ll pay nothing to get your advance within two to three days after requesting it.

To keep using Albert after the 30-day free trial, you’ll have to pay a monthly subscription of $8.  

Get up to $250
Albert
  • Get a no-fee and interest-free cash advance of up to $250
  • Pay a small fee to get your money instantly or get cash within 2–3 days for free
  • Costs $8 per month after a 30 day free-trial
Open Account Albert Review

Where to get it?

2. Empower: Best for Cash Advances

The Empower Card is the only card you’ll ever need. Score Cash Advance up to $250 with no interest. Get paid up to 2 days faster.

Empower is an application built for today’s generation. They’ll be there for you every step of the way, whatever comes your way. You may get a cash advance of up to $250 when you need it most by downloading the app, and save for your future.

empowerr app

They’re always there for you, and they’ll get a cash advance up to $250 straight into your bank account. Free instant delivery is available for eligible Empower Checking Account customers with an activated debit card.

To determine if you’re qualified to receive a Cash Advance, Empower calculates your bank account history and activity, recurring direct deposits, and average monthly direct deposits.

There are no applications, interest or late fees, or credit checks or risks involved. You simply reimburse them as soon as you receive your next payday. There’s nothing hidden about it. It’s that easy.

Get up to $250
Empower
4.5
  • Get a no-fee and interest-free cash advance of up to $250
  • Use AutoSave to automatically set money aside every week
  • Costs $8 per month after a 14-day free trial 
Open Account

Where to get it?

3. Dave Loan App: Best Option for No Fees

dave cash advance app
Get $500. Bank. Budget. Dave helps over 3 million people thrive, and not just survive between paychecks.

Dave is a banking app that offers ExtraCash™ advances of up to $500 with no interest or late fees for as low as $1 per month.

It’s a reasonable choice for people who want to avoid overdraft fees. Dave offers automated budgeting tools to help you manage your finances better. 

And for freelancers, this app also offers advice on finding side hustles so you can earn some extra money. 

Over 7 million people use Dave on a daily basis to help them achieve their financial goals and you can do the same.

Get up to $500
Dave
4.5
  • Meet the banking app on a mission to build products that level the financial playing field
  • Get paid up to 2 days early, earn cash back with Dave Rewards, and get up to $500 with ExtraCash™ without paying interest or late fees
  • Join millions of members building a better financial future
Open Account Dave Review

Where to get it?

4. Chime: Best for Small Amounts

chime
Chime is the banking app that has your back. Keep your money safe with security features, overdraft up to $200 fee-free, and get paid up to 2 days early with direct deposit, with no hidden fees.

Chime is one of the best checking accounts we’ve reviewed and allows you to overdraw up to $200 on debit card purchases without charging a fee with SpotMe®.

If you set up a Chime account with direct deposit through them — you can get early access to your paycheck, up to 2 days earlier than some of your co-workers*.

Plus, they don’t charge any overdraft fees, no foreign transaction fees, no minimum balance fees, no monthly fees and there are plenty of cash advance apps that work with Chime.

Top that off with 60,000+ fee-free ATMs at stores you love, like Walgreens, CVS, and 7-Eleven1.

This is the best app to get up to $200 spotted to you at any time. It’s that simple.

Where to get it?

5. Cleo App: Best for Gig Workers

cleo

Cleo is your AI pal that looks after your money. Budget, save and track your spending. It’s available in the Apple App Store and Google Play Store.

After downloading the app and signing up for a free account — ask Cleo anything from ‘what’s my balance’ to ‘can I afford a coffee’, and she’ll do the calculations instantly. Drill down with personalized updates, graphs, and data-driven insights.

Let Cleo do the work, as she puts your spare change aside automatically, sets you a budget, and helps you stick to it.

If you upgrade to Cleo Plus, you can qualify for getting spotted up to $100* to stop you from going into overdraft. This money is given to you interest-free and without a credit check, so they are literally spotting you $100.

You can still get a cash advance as a gig worker as they don’t check W2s or require proof of employment.

Keep in mind that cash advance is available to Cleo Plus and Cleo Builder users — which comes with a monthly subscription of $5.99/month.

Get up to $100
Cleo
  • Borrow up to $100 instantly with no credit check or interest
  • Personalized tips on how you can save more
  • Get help creating and sticking to a budget
  • Costs $5.99 per month for Cleo Plus
Open Account Cleo Review

Where to get it?

*First timers can usually qualify for $20 to $70 to start with. Once you pay it back you’ll unlock higher amounts up to $100.

6. MoneyLion Loan App: Best Payday Membership

moneylion payday loan app
MoneyLion’s personal loans and easy-to-use tools help you borrow for less while saving more, improve your financial health, and monitor your credit all in one place.

This payday loan app packs a big punch with a plethora of features that can help you. MoneyLion provides you with access to 0% APR cash advances, low-interest personal loans, helps track spending and savings.

The app also provides financial advice to help you improve and control your financial life. It is no surprise that the MoneyLion community has over 2,000,000 members.

How MoneyLion works:
  1. Download the MoneyLion app and enroll in free MoneyLion Core. Receive your new black debit card in approximately 7 days.
  2. Fund your MoneyLion Checking account with an instant transfer, and then use it everywhere you go with no fear of hidden fees, overdraft fees, or minimum balance fees!
  3. Add direct deposit of just $250 or more to your MoneyLion checking account to unlock instant 0% APR cash advances.
  4. Upgrade your membership to MoneyLion Plus to get any time access to a 5.99% APR credit-builder loan, $1 daily cashback, exclusive perks, and more.

Since this app has so many bells and whistles you can learn more in a comprehensive MoneyLion review that goes through each feature. MoneyLion is a wonderful choice for people who want to improve their financial situation, but cannot due to high-interest loan rates and many others. It helps them take control of their financial lives and improve their savings and can be downloaded for iOS or Android.

Get up to $250
MoneyLion
4.5
  • The maximum advance is $250
  • No interest. No monthly fee. No credit check
  • Link your checking account to qualify for 0% APR cash advances
Open Account MoneyLion Review

Where to get it?

7. Earnin App: Best for Workers with Hourly Wages

payday loan apps earnin
The Earnin app allows people to reject the current system in order to get to a better place financially.

You probably know there are $50 loan instant apps but the Earnin app allows you to get paid today and access $100 per day, up to $500 per paycheck. The app is free and you only have to pay what you think is fair and millions already use this app to get paid today.

How Earnin works:
  • Connect your bank and tell them where you work.
  • Earnin will confirm your hours worked, and you can cash out those hours instantly.
  • On payday, they will debit your account for the money you cashed out.

You can also set up Lightning Speed by connecting your debit card to your Earnin account and eliminating the wait time between your cash out and the money arriving in your bank account. The best part is that it is all 100% free.

Get up to $500
EarnIn
4.5
  • Access to your hard-earned cash right when you need it
  • No hidden fees, no penalties, no waiting
  • Get up to $500 of your paycheck per pay period
Open Account EarnIn Review

Where to get it?

8. Brigit Loan App: Best for Saving on Overdraft Fees

brigit payday loan app
Never run short on cash again with Brigit. Get budgeting tools, alerts, and up to $250 when you need it. No credit check. No interest.

With the Bridgit app, you can get up to $250 with no interest or credit check quickly. It’s easy and fast relief when you need it and helps you avoid low balances.

If you have a low balance in your checking account, Brigit will see that your balance isn’t enough for upcoming expenses and send you up to $250 to cover your expenses. You can save hundreds by avoiding overdraft fees with this app.

How Brigit works:
  1. No red tape. No hoops. Connect your bank account and that’s it!
  2. Brigit works with thousands of banks like Bank of America, Wells Fargo, TD Bank, Chase, Navy Federal Credit Union and 15,000+ more.
  3. Get paid up to $250 instantly.

This is best for those users who keep low balances in banking accounts and are prone to overdraft. You can learn more here.

Get up to $250
Brigit
4.0
  • Tap to get an advance within seconds
  • Get up to $250
  • No credit check is required and no interest
  • Pay it back without hidden fees or “tips"
Open Account Brigit Review

Where to get it?

9. PayActiv Loan App: Best for Paycheck Advancements

payactive payday app
Load earned wages to the PayActiv prepaid Visa card – real-time access, no extra cost. Nights, weekends, and holidays.

This payday loan app allows you to get $500 instantly between paychecks. It also offers everything you need to break the payday loan cycles cycle.

How PayActiv works:
  1. You choose when to use it, or when not to. You’re in the driver’s seat.
  2. It’s simple, download the app, use the services, and any money you access is paid back out of your next paycheck.
  3. No interest charged because it isn’t a loan, it’s your money available when you need it.

If you are interested you can download it for Android or iOS.

Where to get it?

How To Choose The Best $25 Loan Instant App

Choosing the best 25 loan instant app requires careful consideration of several factors. Firstly, borrowers should look for apps with a good reputation and positive customer reviews. This can be done by checking app store ratings and reviews or visiting online review sites.

Secondly, borrowers should compare interest rates and fees between different apps to find the most affordable option. It’s important to read the fine print and understand the repayment terms, as some apps may charge additional fees or have strict repayment schedules.

Thirdly, borrowers should consider the app’s eligibility requirements and application process. Some apps may have strict credit score or income requirements, while others may offer a more flexible application process.

Finally, borrowers should choose an app with strong security and privacy policies to protect their personal and financial information. This includes using apps that are licensed and regulated by state authorities or industry organizations.

By carefully considering these factors, borrowers can choose the best 25 loan instant app that meets their individual needs and budget, while also ensuring that they are working with a reputable and secure lender.

Alternatives to Apps for Instant Money

Sell Stuff Online

One option is to sell items online in order to make $25 fast. Many online platforms, such as eBay, Facebook Marketplace, or Craigslist, offer the ability to sell unwanted items and make quick cash. This option is especially useful for those who have items they no longer need or use.

Start a Side Hustle

Another option is to start a side hustle. Consider taking on a part-time job or freelance work, such as dog walking, tutoring, or writing. This can help you earn extra income and avoid taking out loans altogether.

Zero-Percent Purchase Credit Card

A zero-percent purchase credit card can be another option for those looking for quick cash. These credit cards offer a limited time with zero percent interest on purchases. This can provide some relief when making a large purchase or covering unexpected expenses.

Utilize Your Emergency Fund

Utilizing an emergency fund can also help to avoid taking out loans. If you have an emergency fund, consider using it to cover unexpected expenses instead of taking out a loan. This can help you avoid high-interest charges and keep your finances in check.

Credit Union Apps

Credit union apps can also provide quick access to loans with lower interest rates than traditional payday loans. Some credit unions offer mobile apps that allow users to apply for and receive loans quickly and easily.

Small Payday Loans

Finally, small payday loans may be an option for those in need of quick cash. However, be aware that these loans typically come with high-interest rates and fees, so be sure to read the fine print carefully before taking out a loan. Consider other alternatives before taking out a payday loan.

FAQs

Can you get your paycheck direct deposited?

Some instant loan apps allow direct deposit of paychecks, while others do not. If the app offers this feature, users need to link their bank account and provide employer information. However, not all employers offer direct deposit, and specific app requirements and restrictions should be checked.

Do payday advance apps have a maximum payout?

Yes, payday advance apps have a maximum payout amount that varies by app and user based on factors like creditworthiness and income. The amount may range from a few hundred dollars to over $1,000. However, borrowers should only take out what they can afford to repay within the loan’s repayment term to avoid getting trapped in debt. Before applying for a loan, users should carefully read the terms and conditions and understand the maximum payout amount and associated fees.

Are there same-day loans for bad credit available via apps?

Yes, some instant loan apps offer same-day loans for bad credit. However, the availability and terms of such loans may differ by app and user. These apps may consider factors like income and employment history instead of just credit scores. Bad credit loans often have higher interest rates and fees, so borrowers should read loan terms and make sure they can repay before accepting. It’s recommended to compare rates and terms of different apps before applying.

$25 Loan Instant Apps Can Help

$25 instant loan apps can be useful in certain situations where you need a small amount of cash quickly. They can be used to cover unexpected expenses, such as a car repair or medical bill, before your next paycheck.

Additionally, $100 loan instant apps can be more convenient and faster than traditional lending methods, such as applying for a loan at a bank or credit union. With instant loan apps, the application process can often be completed online in a matter of minutes, and funds can be deposited into your account within hours or even minutes in some cases.

However, it’s important to note that instant loan apps typically come with higher interest rates and fees than traditional loans. As such, they should only be used in emergencies or when you can afford to repay the loan within the agreed-upon timeframe to avoid falling into debt.

If you are considering using a $25 instant loan app, be sure to read the terms and conditions carefully, compare rates and fees between different apps, and only borrow what you can afford to repay.

  1. Best for welcome bonus: Albert
  2. Best for cash advances: Empower
  3. Best option for no fees: Dave
  4. Best for small amounts: Chime
  5. Best for gig workers: Cleo
  6. Best payday membership: MoneyLion
  7. Best for workers with hourly wages: Earnin
  8. Best for saving on overdraft fees: Brigit
  9. Best for paycheck advances: PayActiv
Disclosures

*Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Condition
^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
1 Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

Get up to $250 today
Albert
5.0
  • Get spotted up to $250 without fees
  • Join 10+ million people using the finance super app
  • Banking with instant discounts on gas, food delivery, groceries and more
  • Start investing, saving, and budgeting for free
JOIN ALBERT NOW

About the author

Brian Meiggs
Brian Meiggs is a personal finance expert, and the founder of My Millennial Guide, a personal finance site helping you unlock the wealth of freedom. He helps millennials follow the smart money in order to increase their earning potential and start building wealth for the future. He regularly writes about side hustles, investing, and general personal finance topics aimed to help anyone earn more, pay off debt, and reach financial freedom. He has been quoted as a top personal finance blogger in major publications including Business Insider, Yahoo! Finance, NASDAQ, Discover, Fox News, MSN Money and more.

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