Best Cash Advance Apps That Don’t Use Plaid in 2025
Written by
Dawn Allcot
Edited by
Emily Gadd
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Plaid powers many well-known financial apps, including Venmo, Betterment, Chime and Dave. It encrypts data and transmits it securely, acting as a conduit between banking and finance apps and businesses or consumers who use the apps.
But some people want to get a cash advance without giving their data to Plaid. These apps can help you out.
Cash Advance Apps That Don’t Use Plaid
If you are looking for cash advance apps that don’t use Plaid, keep reading to find out more about them.
1. B9 Advance
- Advance range: Up to $750
- Direct deposit required: Yes
- Uses Plaid? Not for the advance feature
- Fees: Monthly subscription up to $19.99. Can be waived if you deposit at least $5,000 a month
- Funding speed: Determined by B9
- Best for: People with steady income who are comfortable getting their paychecks through B9.
- Limitations: New members start with a $30-$50 advance and have to work up to the $750 max
To use B9, you must have a checking account that is set up to receive direct deposits from your employer.
B9 has a partnership with Plaid. However, you do not need it for the advance. Instead, you must set up B9 as your payroll deposit with your employer.
Not all users will qualify for the advance.
2. CashMaster
- Advance range: Up to $500
- Direct deposit required: No
- Uses Plaid? No
- Fees: Fees aren’t posted
- Funding speed: Within one day
- Best for: People with bad credit
CashMaster offers title loans and cash advances or payday loans of $50 to $500. You can call them at 1-866-936-CASH or vist a CashMaster location in Tennessee or Alabama.
You’ll need to provide a photo ID, current bank statement, proof of income and your social security number.
3. Beem (Formerly Line)
- Advance range: Up to $1,000
- Direct deposit required: No
- Uses Plaid? No
- Fees: $99.99 a year annual fee to receive the full $1,000 advance
- Funding speed: Withing a few hours
- Best for: People who can make use of all of the features in a Beem subscription
Limitations: Must pay high annual fee for the advance.
No fees and due dates for the advances
4. DailyPay
- Advance range: Up to $1,000 a day, based on your paycheck
- Direct deposit required: Yes
- Uses Plaid? No
- Fees: For instant transfers
- Funding speed: Instant or next day transfer
- Best for: people with steady income
Limitations: DailyPay only advances money you’ve “already earned” from your job up to $1,000 per day.
Once you set up your account you can access your pay in advance, immediately, and have it sent to your bank account, debit card or pre-paid card instantly for a small fee or by the next day.
Dave
- Advance range: Up to $500
- Direct deposit required: No
- Uses Plaid? Optional
- Fees: $5 monthly membership fee, 5% overdraft fee and 1.5% fee for external debit card transfers
- Funding speed: Get approval in five minutes
- Best for: People with steady income who are interested in the all of the membership benefits
Limitations: Dave states that few people are approved for the full $500
Because you have to use Dave’s ExtraCash overdraft deposit account and Dave Checking account, you don’t need to sync your bank with Plaid.
Final Take
B9, Dave and Beem are best for people that are interested in a membership that includes cash advances among several other banking features.
DailyPay and Cashmaster are better choices for people who don’t want to pay a membership fee, but need a short-term loan.
FAQ
- What apps offer cash advances without using Plaid?
- B9
- CashMaster
- Beem (Formerly Line)
- DailyPay
- Dave
- Is Plaid safe to use with cash advance apps?
- Yes.
- Can I get a cash advance without linking a bank account?
- Yes, or you can subscribe to a financial institution that gives advances to people with their checking account.
- What is Argyle and how does it compare to Plaid?
- Plaid encrypts bank account information while Argyle verifies employment and income.
- Does Dave use Plaid?
- Yes, but not for their cash advance product.
- Is Plaid trustworthy?
- Plaid is generally considered safe, but it has faced a class action lawsuit about how it has handled data in the past.
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