In this article, I would be reviewing the top 9 best borrow money apps with no credit check which you can easily download from Google Play Store or Apps Store and access urgent and immediate cash to meet financial emergencies. These type of cash advances are worthwhile if you need a short-term loan. For example, you can typically borrow upwards of $100 to $300, and you usually repay the loan when you get your next paycheck.
Moreover, apps like Dave, Brigit, Earnin, and MoneyLion care more about your cash flow than your credit score, so even if you have poor or bad credit, it won’t derail your chances of qualifying because the apps are no credit check platforms.
Best Borrow Money Apps No Credit Check 2025
The best borrow money apps that can grant you a cash advance until your next paycheck without any credit check are Possible Finance App, Earnin App, Dave App, Brigit App, Chime App, MoneyLion App, and Empower loan apps. Whatever financial challenges you might find yourself, with these reliable loan applications, you can easily access between $50 to $300 or even more instantly with your poor or bad credit.
1. Possible Finance App
Possible Finance is one of the best borrow money apps no credit check that provide access to fast and affordable money. Unlike traditional cash advance or payday advance, you can repay your loan in installments to build credit and improve your financial health.
To process loan request with Possible Finance, simply get the app to access your account anytime, anywhere. Securely sign into your account to check your loan status and manage your payments. Approval decisions are instant, and you can see the amount of money you borrowed for your loan and the money due on each scheduled payment.
2. Dave App
Dave is a banking platform and one of the best borrow money apps no credit check, which helps you get paid up to two days early, build your credit history, and get up to $200 cash advances without paying a fee. With Dave Banking, there are no overdraft fees, no minimum balance fees and no ATM-fees from 32,000 MoneyPass ATMs.
3. Brigit App
Brigit is one of the top awesome borrow money apps no credit check that let you have access to instant cash to cover unexpected expenses immediately. It works by letting you gain access to lending money and paying it back when your next paycheck is deposited. Brigit charges a membership fee, but the price points and benefits differ greatly. With Brigit Plus, you get a cash advance within 20 minutes whilst the standard accounts get it within 1 to 2 business days. To be able to request up to $250, you need to uograde to the $9.99 per month plus plan.
Brigit allows you to extend the due date on your first loan once without incurring a penalty or late fee. The more you use the service, you’ll be able to earn more extension credits that will let you postpone loan repayment up to three times in a row.
4. Chime App
Chime loan app is one of the best borrow money applications in the USA that gives instant cash loan and does not require any credit check. The app allows you a maximum amount of $200 but you have to start building your account to qualify. If you’re in urgent need of a little cash, Chime can lend you up to $100 before your paycheck arrives. With Chime’s Spot Me feature, you can overdraw up to $200 on your account depending on your repayment history.
5. Branch App
Branch is one of the best borrow money apps no credit check that approves you with quick loan and designed to help employees get faster access to their wages, keep track of payments and balances, get spending reports regularly, and receive alerts about upcoming bills.
Branch lets you withdraw up to $500 in advance per pay cycle of $150 per day based on how many hours of work you do and wages you earn. However, the catch is that your employer also has to set up an account on Branch. Fortunately the service doesn’t demand any membership fees and is totally free to use. To get access to Branch loan.
6. MoneyLion App
In our list of cash advance borrow money apps that requires no credit check, MoneyLion, is very reliable and trusted choice. The service grants you instant loans of up to $250 per pay cycle depending on how much income you regularly earn and deposit into your checking account. The process for getting a cash advance on MoneyLion is very fast. You can even receive the disbursement instantly or within a few hours if you have a RoarMoney account.
MoneyLion doesn’t require any fees or interest on cash advances it grants, neither does it perform any kind of credit checks before, during, or after you request a loan. Instead, the company asks that you leave an optional tip whenever you get a cash advance so that MoneyLion can remain interest-free and available to as many users as possible.
7. Empower App
The process with Empower is simple. You can withdraw from $25 to $250 and you pay automatically when you receive your next paycheck. It’s our 9th pick on our list of best borrow money apps no credit check for 2023. Want a quick cash advance from apps that let you borrow money but don’t want to deal with interest rates or late fees? Consider using Empower to receive up to $250 whenever you need a cash injection to take care of your bills and expenses.
When you apply for a loan on the platform the money will be disbursed to your Empower checking account free of charge or to an external bank account for a flat fee of $3. You can even get access to your paycheck two days earlier thanks to Empower’s Early Paycheck Deposit feature.
8. Earnin App
Earnin is another very reliable and reputable borrow money app no credit check that gives instant cash loans to help you sail thriough until your next paycheck. It facilitates earning all across America by helping salary earners get quick cash access before payday. The app lets you draw small amounts of your earned wages before payday while you offer a ‘tip’ as consideration for the service.
One unique thing about the earnin platform is that you don’t have to pay interest on your loan. They actually claim it’s not a loan, but access to your paycheck before payday. The scheme runs on what they call “tips”, meaning you ‘tip them’ what you think you can afford as consideration for the credit service, even if it’s 0% interest.
9. DailyPay App
If you’re looking for the best borrow money apps no credit check for an instant cash advance, then DailyPay is one of your best option. The platform helps you solve urgent financial needs when you’re low on cash without attracting hefty overdraft fees on your account,
With DailyPay, you can get an advance on your earnings before your next payday and save over $1,205 in overdraft fees, loan interest, and late fees. The app charges a modest transfer fee of $1.99—on each withdrawal to deposit your cash advance by the next business day. Alternatively, you can pay $2.99 for an instant transfer.
Conclusion
While cash advance apps are similar to payday loans, the former often have 0% APRs. In contrast, payday loans have an average APR of 400%. Therefore, we recommend that you stay away from payday loans and only consider cash advance apps for small-dollar financing.
