14 Cash Advance Apps Like Dave for 2025

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Dave is well-known as one of the best fee-free cash advance apps. A cash advance, simply put, is a short-term loan issued by an institution, usually for a relatively small sum. Dave isn’t alone in providing this service. Other apps, like Tilt, Varo and MoneyLion offer this feature as well. Consumers should weigh their options and choose the one that is best for them.

Top Cash Advance Apps at a Glance

Here are some of the top cash advance app alternatives to Dave and why they stand out:

14 Best Apps Like Dave for Cash Advance

If you have wondered what apps will let you borrow money instantly or give you a small cash advance, then wonder no more. In addition to the Dave app, here are fifteen of the best cash advance apps people can use to get quick cash right now.

1. Tilt (formerly Empower)

• Best for cash-back rewards

In August 2025, Empower Finance announced it had rebranded to Tilt. With the new name, Tilt is focusing on a broader range of cash and credit products. It now offers three unsecured cash back credit cards.

As for its cash advance, Tilt lets users claim up to $400. No credit checks, interest or fees apply. Eligibility takes into account earned income and account activity to decide what amount a customer can borrow. 

There are multiple ways to get your advance. You can accept the advance onto your Tilt debit card instantly or transfer it to your bank account within a business day. There’s also an option for an instant delivery fee that’s dependent on your advance amount, generally no more than 3% of the advance amount.

You’ll need a Tilt subscription to have access to Tilt Advance. There’s a 14-day free trial, and after that, an $8 subscription.

Pros:

• No interest or fees
• Two-day-early paycheck
• Up to $400 cash advance

Cons:

• Paid subscription service

Download: Android (Free), iOS (Free)

2. Varo

• Best for banking features

Varo is an online bank. It offers similar cash advance services, but with more stringent eligibility requirements. The service, known as Varo Advance, requires an active Varo bank account. In the current or previous month, at least $800 in direct deposits must have been made. You can’t have an overdrawn balance. There must be an available balance of $0 or more.

Varo members can get a cash advance of $20 or less at no expense, but above that, fees will apply. Fees vary from $1.60 to $40, depending on the amount borrowed. Varo’s cash advance limit is $500.

Once direct deposit is set up with Varo, users can also take advantage of its two-day-early paycheck. This benefit also includes early payment for tax refunds. 

Pros:

• Banking features
• Paycheck up to two days early

Cons:

• High fees for amounts over $20

Download: Android (Free), iOS (Free)

3. EarnIn

• Best for managing a bank account

EarnIn is unique on this list, as it lets customers access the money they’ve earned from their work before payday arrives. For example, say a user is paid monthly and they have already worked for half the month. Before payday, they can claim their wages. However, some restrictions do apply. 

EarnIn asks for your income and expenses to work out how much of an advance you can get. Customers might only qualify for an average $85 daily max when signing up. A maximum of $750 can be claimed early per pay period, and only $150 can be redeemed per day.

Most cash-outs take one to two business days. However, depending on a user’s main bank, they may qualify for a “Lightning Speed” payment. In this case, cash-outs can be processed within 30 minutes, but members need to be aware that fees can apply in this scenario.

Should a user decide not to use this service, a two-day-early paycheck option is also available. EarnIn doesn’t directly charge any user fees itself, but customers can choose to tip for services.

Pros:

• No fees
• Two-day-early paycheck
• Up to $750 cash advance

Cons:

• Bank fees can apply to “Lightning Speed” payments
• Only available to U.S. citizens

Download: Android (Free), iOS (Free)

4. MoneyLion

• Best for building credit

MoneyLion operates a service called Instacash. If you open a RoarMoney account and set up qualifying recurring direct deposits, your cash advance limit can be up to $1,000. If you would rather link to an external checking account, you can access up to $500.

The account you link to Instacash determines your max cash advance limit. To qualify for a cash advance, your account must be registered in your name and at least 60 days old. It also needs to have received at least three regular income deposits.

No fees apply to MoneyLion’s Instacash service, and it does not affect customer credit scores. However, if the money is required quickly, a “Turbo Fee” will apply. Regular delivery takes 12 to 48 hours with a RoarMoney account or three to five business days with a regular bank account. For instant cash advances, fees can be as much as $6.99 for RoarMoney accounts or $8.99 for external cards and accounts.

MoneyLion members can also get paid two days early by signing up for a RoarMoney account and linking a direct deposit.

Pros:

• No fees for standard delivery
• Two-day-early paycheck
• Up to $1,000 cash advance

Cons:

• “Turbo Fees” apply for instant cash advances
• No effect on credit scores

Download: Android (Free), iOS (Free)

5. Brigit

•  Best for budgeting tool selection

The Brigit app gives users the ability to claim up to $250 in cash advances. It doesn’t include interest, fees or “tips” like many of the other apps.

However, to benefit from cash advances, a paid subscription is required. The Plus plan costs $8.99 per month, and includes cash advances, credit monitoring, identity theft protection and budgeting tools. The Premium plan costs $14.99 per month and has the same features as the Plus plan, plus access to a Credit Builder and free Express Delivery on cash advances.

Pros

• No interest, fees or tips
• Up to $250 cash advance
• Extra benefits included
• Funding time is two to three business days

Cons:

• Express Delivery fees for instant funding
• Paid subscription service

Download: Android (Free), iOS (Free)

6. Albert

• Best for money questions

Albert is an app like Dave that offers banking services through partner banks. Through the app, eligible customers can tap into cash advance options of up to $1,000. You’ll likely start with a smaller cash advance opportunity, which can grow over time.

This app doesn’t require a credit check or charge interest. You won’t be charged a fee if you send your cash advance to Albert Cash. If you send the advance to an external account, though, Albert charges $5.99 to $19.99 based on the amount of the advance. It will be sent instantly.

The amount you borrow must be repaid six days from when you initially advance. However, you might be able to request a payment extension up to seven days.

A big catch is that most features require a monthly subscription fee. Albert plans vary from $14.99 per month to $39.99 per month. You don’t need a subscription to use Instant Advance, though.

Pros:

• Cash advances up to $1,000
• Ask questions about money

Cons:

• Monthly subscription fee
• Have to repay advance soon after getting it
• Savings account offered has a relatively low rate

Download: Android (Free), iOS (Free)

7. Payactiv

• Best for Walmart cash pickup

Payactiv is one of many apps like Dave. It is designed to help you tap into your earned income before payday rolls around. In order to use this app, your employer must subscribe to it. If your employer does sign up with Payactiv, you can access some of the funds you earn as you earn them.

It works by tracking your hours and the amount of your paycheck that is currently accessible. You can transfer the accessible funds to your bank account, card, or make a cash withdrawal.

The most money you can get for a single transfer is $1,500 with direct deposits set up and $750 without it set up.

There isn’t a fee for transfers to external accounts that take one to three business days. Same-day transfers to a Payactive Visa Card that receives regular paycheck direct deposits of $200 or more also do not involve fees. You will have to pay $3.49 for instant transfers to external bank accounts, and $2.49 for instant transfers to a Payactiv Visa Card that does not receive qualifying direct deposits.

Pros:

• Access up to 50% of your net pay early
• More control over your cash flow

Cons:

• Your employer must sign up to access full features
• Fees vary depending on disbursement

Download: Android (Free), iOS (Free)

8. One @ Work

• Best for early earned income access at some employers

Even rebranded to become One @ Work. It’s another app that offers access to your earned income early. As an eligible employee, you can tap into 50% of your earned income via Instapay. When payday comes, you’ll seamlessly repay the advance.

The platform comes with other perks, like 3.75% APY on eligible savings, earning 3% cash back at Walmart, and overdraft protection of $200. These features are offered when you qualify for OnePay Cash+, which requires direct deposits of $500 or more per month, or a total account balance of $5,000 or more per month.

Pros:

• Access up to 50% of your paycheck early
• Helpful budgeting tools

Cons:

• Only available if your employer signs up

Download: Android (Free), iOS (Free)

9. Klover

• Best for extra rewards

Klover offers a way to access a cash advance of up to $200. You won’t encounter any interest or late fees, because the repayment will be taken out of your account on your next payday. Through the app, you can also enter sweepstakes, take surveys for points, and track your savings goals.

Standard transfers are free and take up to three business days. You can also get funds sent the same day to your bank account, but fees vary $1.99 to $19.99 per transaction, based on the amount of the advance.

Pros:

• Cash advances of up to $200
• Fast sign-up process

Cons:

• Must have three direct deposits consistently over the last two months

Download: Android (Free), iOS (Free)

10. Possible

• Best for installment loan options

Possible is an app that gives you a chance to take out a loan of up to $500 instantly. In California, the maximum loan amount is $250. 

Fees for a Possible loan vary by state and the amount borrowed. For example, in Utah, the fee is $20 per $100, but in Rhode Island, it’s $10 per $100 borrowed.

You’ll repay the loan in installments over the course of eight weeks, which vary based on your loan size. Although there aren’t any late fees, it might take the funds up to five days to reach your account. Keep in mind that an installment loan can impact your credit score. 

Possible also offers cash advances, but the amounts are lower. Members can qualify for up to $300, while non-members can only access up to $150. Membership costs $15 per month.

Possible Membership and Single Payment Advance are currently in beta testing. You must live in Colorado, Massachusetts, Minnesota, New Jersey, North Dakota, South Dakota, West Virginia and Wisconsin to be eligible for Possible Membership. Meanwhile, Single Payment Advance is only available if you live in Georgia, New Jersey, New Mexico, North Dakota, South Dakota and Wisconsin.

Pros:

• Pay back the funds in installments
• No interest or late fees attached

Cons:

• The limit is lower in California, at $250
• Funds might take five days to reach your account
• Possible Membership and Single Payment Advance are only available in some states

Download: Android (Free), iOS (Free)

11. Branch

• Best for easy-to-use digital wallet

Branch is a digital wallet designed to help you get access to your earned pay earlier. The pay you can access includes things like tips, wages, mileage reimbursement, and more.

You can get a cash advance that’s worth up to 50% of your paycheck, which will be repaid on your payment date. However, your employer must sign up for Branch to get access to this suite of benefits. If your employer signs up, they can choose a lower cash advance amount if they want to.

Pros:

• Cash advance of up to 50% of your paycheck
• Seamless repayment on payday

Cons:

• Employer must sign up

Download: Android (Free), iOS (Free)

12. DailyPay

• Best for earned income access

DailyPay offers an opportunity to access 100% of your earned income early. As you earn money, you can access your wages before payday. If you want to tap into the funds, you can send them to your bank account or card. An instant request will come with a fee. But if you can wait for a next-day transfer, it’s free.

DailyPay is only an option if your employer offers it.

Pros:

• Access up to 100% of your earned funds early
• Keep tabs on what you’ve earned so far

Cons:

• Only available if your employer signs up

Download: Android (Free), iOS (Free)

13. Cleo

• Best for AI-supported feedback in real-time

Cleo offers an AI assistant to help you manage your personal finances. One of the handy tools available is a cash advance of up to $250, which comes with no interest or credit check attached. Cleo also offers savings tools to help you put your savings on autopilot. 

Advances can be sent to your bank account in three to four business days. You can use Express Payout to get funds within 24 hours, but it costs $3.99 to $9.99, depending on the amount. 

Most of the features, including the cash advance options, require a Cleo Plus or Cleo Builder subscription. Cleo Plus costs $5.99 per month. 

Pros:

• Credit-building features
• AI-supported financial advice

Cons:

• Monthly fee

Download: Android (Free), iOS (Free)

14. Cash App

Cash App is a mobile payment platform that allows you to instantly send and receive money for free. You can use a debit card or prepaid debit card to get discounts with participating retailers or even invest in Bitcoin. 

Cash App offers up to $200 in free overdraft coverage on your Cash App balance while using the Cash App card. You must receive direct deposits of at least $300 to get access to coverage.

Pros:

• User-friendly platform that makes sending and receiving money simple
• Access to money-saving tools to help with investing or filing your taxes

Cons:

• To get $200, you must have a recurring direct deposit of at least $300
• Cash App trading can be less ideal for crypto

How To Choose the Right Cash Advance App

The right cash advance app for you may ultimately come down to the finer details. Pay attention to the following features to narrow down your choices:

• Cash advance maximums: Some cash advance apps offer access to higher maximum amounts, which can help you figure out your options.
• Employer benefits: Early wage access is a benefit some companies offer employees, so they can access their earned wages before payday. Check to see what benefits your employer offers to see if this is an option for you.
• Funding preferences: Your best option may ultimately depend on how soon you need the advance. While several offer same-day transfers, the way they offer this feature varies greatly. You might receive the advance through an eligible account that the app offers, without having to pay a fee. With others, you might have to pay a fee. Consider what your preferences are, and also pay extra attention to any caveats needed for free transfers, like direct deposit qualifications.

Are Cash Advance Apps a Good Idea?

Apps offering cash advances without incurred interest can certainly be useful. However, in most circumstances, consumers should strive to only use apps like Dave for cash advances in emergencies. Using cash advance services regularly can tend to lead to bad spending habits and result in the accrual of hefty interest rates when not managed appropriately, not to mention the potential fees.

David Granahan, Sarah Sharkey and Caitlyn Moorhead contributed to the reporting for this article.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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