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Best 5 Cash Advance Loan Apps in 2024

Check out the best cash advance apps that provide short-term loans ranging from $100 to $750 with no credit check required.
best cash advance apps 2024

Digital cash advance apps are convenient for emergencies, especially since they can get you cash in your checking account immediately.

It's always important to consider the pros and cons of cash advance apps but our review of the top cash advance apps show they are less expensive than payday loans, personal loans, and even credit card cash advances.

But more importantly, most cash advance apps don't pull credit reports in the traditional sense. They typically base their approval decisions on your income and banking history.

However, some apps may perform a soft credit check, which does not impact your credit score.

Top Cash Advance Apps of 2024

1. Best Overall: Current
2. Best for Low Fees: Albert
3. Best for Large Advances: Earnin
4. Best for Budgeting Tools: Dave
5. Best for Fast Cash: Empower

Current Banking

Current provides cash advances up to $500 if you have a Current Account. If not, you can link an external account where you already receive your direct deposit. There are no credit checks to qualify.

  • Loan Amounts: $200 (overdraft)
  • Time to Repay: Up to 60 days
  • Fees: None

Albert Banking

Albert offers interest-free and fee-free cash advances up to $250. There is no credit check, however, Albert securely links to your checking account then evaluates your account history to determine the cash advance amount.
  • Loan Amounts: $250 
  • Time to Repay: Next payday
  • Fees: None


Earnin allows users up to a $750 cash advance per pay period without any hidden fees or interest. 

  • Loan Amounts: Up to $100 per day and $750 per pay period
  • Time to Repay: Next paycheck
  • Fees: Suggested tip plus express funding fees up to $4.99


The Dave app users are required to open an ExtraCash account to get a cash advance up to $500. 

  • Loan Amounts: $25 to $500
  • Time to Repay Terms: Next paycheck
  • Fees: $1 subscription fee, 15% suggested tip, and $1.99 to $13.99 express funding


Empower allows users to borrow up to $250 with no interest, late fees, or credit checks. The app also offers budgeting tools and bank accounts. 

  • Loan Amounts: $10 to $250
  • Time to Repay: Next paycheck
  • Fees: $8 per month plus express funding fees

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Best online savings rates

The national savings rate is 0.47% APY. This online bank pays way more.

CIT Bank

Platinum Savings
5.05% APY
Minimum $5,000 balance
No maintenance fees
Mobile & Online Banking
Deposits are FDIC insured


5.21% APY
Minimum $1,000 balance
No maintenance fees
Mobile & Online Banking
Deposits are FDIC insured

Quontic Bank

4.50% APY
Minimum $100 balance
No maintenance fees
Mobile & Online Banking
Deposits are FDIC insured
Disclaimer: Our goal is to provide the most relevant and current information. However, the information is for informational purposes only and is not intended to be personal financial advice.

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