When you’re strapped for cash, waiting until payday can feel impossible. Maybe your car broke down, a bill popped up out of nowhere, or you just need a little breathing room to make it through the week. Whatever the reason, cash advance apps can give you quick access to money you’ve already earned… without the sky-high interest rates or endless paperwork that come with traditional payday loans.
The best part? Many of these apps can send funds straight to your account the same day, with no credit check required. You can borrow just enough to cover your needs, pay it back on your next paycheck, and avoid falling into a cycle of debt.
Below, we’ve rounded up the top cash advance apps that can spot you $200 or more when you need it most. Our #1 pick, EarnIn, stands out for same-day access, zero mandatory fees, and a tip-what-you-can model that actually feels fair.
- Best same-day payday app: EarnIn
- Best overall with no credit check: Current
- Best for instant discounts: Albert
- Best payday membership: MoneyLion
- Best for saving on overdraft fees: Brigit
1. EarnIn: Best Same-Day Payday App
If you need money today, EarnIn is the easiest way to get it without the fees, interest, or credit checks that come with payday loans. EarnIn lets you access the money you’ve already earned, up to $750 per pay period, and deposit it into your account the same day.
All you have to do is connect your bank account, verify your work hours or direct deposit, and cash out instantly. Repayment is automatic on your next payday, and instead of mandatory fees, you simply tip what you think is fair.
It’s a fast, flexible, and stress-free way to bridge the gap between paychecks, which is why it’s our #1 choice for quick cash.
- No fees if you choose standard delivery
- Works with most jobs if you have a steady paycheck
- No credit check and won’t hurt your score
- Borrow up to $750 as you build history in the app
Where to get it?
EarnIn app for iOS
EarnIn app for Android
2. Current: Best Overall with No Credit Check
Current is one of the best online banking apps we've reviewed and allows you to get a paycheck advance of up to $500 with no credit check.
What's best is that you won't pay any fees at all, that means no monthly or annual fees. Plus, you don't ever need to maintain a balance on your account.
If you set up a Current 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!
It's basically a free banking app that is free to open and easy to use.
To get up to $750, create a free account, navigate to the services tab, and select “Paycheck Advance” to check eligibility and request an advance if qualified.
- No interest on cash advances
- Advances of up to $750 (based on eligibility)
- 100% free and no credit check
- Full mobile banking
Where to get it?
2. Albert: Best for Instant Discounts
Albert can spot you up to $1,000 when you need it—no credit check, no interest, and no hidden fees. If you have a paycheck and have repaid previous advances, you can request up to three cash advances per pay period.
But Albert isn’t just a cash advance app; it’s an all-in-one financial tool. It offers a checking account, an automated savings account that helps users save an average of $400 in six months, and AI-driven budgeting to keep your finances on track.
You can also invest on your own or use their robo-advisor, and if you need expert advice, you can chat with a certified financial advisor for $14.99 a month. There’s no catch—Albert is legit.
- Borrow up to $1,000 with no interest
- 30 day trial, then $14.99/month
- Automatically sets money aside for savings
- Access budgeting tools and investing features in one place
Where to get it?
3. MoneyLion: Best Payday Membership
MoneyLion is more than just a payday loan app—it’s a financial tool that gives you access to 0% APR cash advances, low-interest personal loans, and smart money tracking. It’s designed to help you stay on top of your finances, avoid predatory loan rates, and improve your financial situation. With over 2 million users, it’s clear that people find value in what it offers.
Here’s how it works: Download the MoneyLion app and sign up for free. You’ll get a black debit card in about a week, and once you fund your MoneyLion checking account, you can use it without worrying about hidden fees, overdraft charges, or minimum balances. Setting up direct deposit of just $250 or more unlocks instant 0% APR cash advances. If you want even more perks, upgrading to MoneyLion Plus gives you access to a 5.99% APR credit-builder loan, $1 daily cashback, and exclusive rewards.
MoneyLion is a solid choice for people looking to get their finances under control without getting trapped in high-interest debt.
- Instantly access up to $500 with no interest
- Includes a RoarMoney checking account
- Build credit with low-risk credit builder loans
- Earn cashback on everyday purchases
Where to get it?
4. Brigit: Best for Saving on Overdraft Fees
Brigit gives you up to $250 instantly with no interest, no credit check, and no hassle. If your checking account balance is low, Brigit automatically steps in to cover expenses and help you avoid overdraft fees, potentially saving you hundreds.
There’s no complicated process—just connect your bank account, and you’re good to go. Brigit works with over 15,000 banks, including Bank of America, Wells Fargo, Chase, and Navy Federal. If you tend to keep a low balance and worry about overdrafts, this app can be a lifesaver.
- Get up to $250 automatically when your balance runs low
- Predictive alerts help you avoid overdrafts
- Includes credit monitoring and budgeting tools
- No interest or hidden fees
Where to get it?
$200 Cash Advance Loan Apps Can Help
When it comes to using cash advance apps, there is no question that it can be beneficial if you need money in a hurry.
Most of these apps have no fees or interest. This is a radical change from the way the American financial system typically functions. If you only need a couple hundred bucks to cover some of your bills then cash advance apps can help.
These apps sound way too good to be true but you will soon find they are all true to their mission statement since day 1 of using them.
