The best borrow money apps like Earnin, Dave, and Brigit are apps that allow you to borrow a modest amount from your next salary before you receive it. If you need cash quickly, this quick fix may be useful, but explore for cheaper choices before borrowing via an app.
The cost of borrowing through an app is not expressed as an interest rate, unlike traditional borrowing choices such as credit cards or personal loans. Instead, subscription or expedited funding costs may be charged by the applications, and several recommend that you tip them.
Lenders and credit card companies express the cost of using their product as an annual percentage rate that includes interest and any other costs. Loan apps and other small-dollar lenders argue that APR isn’t an accurate representation of the cost of their products, but we’ve included an example with the apps.
According to a 2020 Federal Reserve analysis, many Americans are financially unprepared for unexpected expenses: 35% would struggle to handle a $400 out-of-pocket bill. If you’re thinking about getting a payday loan, it might be a good idea to look into lending applications and compare the costs.
Compare our selections for the 20 top money lending apps to find one that might be appropriate for you.
Best Borrow Money Apps In The US 2025
The best borrow money apps in the United States in 2024 are MoneyLion, Empower, Varo, Pockbox Cleo, Payactiv, Flex wage, Even, SoFi, Albert, Earnin, Dave and Brigit applications.
1. Money Lion
You can join up for MoneyLion simply known as RoarMoney, which allows you to receive a $1,000 cash advance, or you can sign up for the Instacash option, which will grant you a cash advance of up to $250.
Your direct deposits will be made into a RoarMoney account if you choose the latter option. Additionally, you’ll receive everything a financial institution would typically offer, including a debit card and access to ATM networks.
Additionally, you might not be eligible for a $1,000 cash advance. It might be lower. It depends on various elements, including how much cash is regularly deposited directly into your RoarMoney account. Its our 1st pick and a leading borrow money app in the US. Having a RoarMoney account costs $1 per month, and you must pay $3.99 for rapid cash delivery.
2. Empower
You can receive a cash advance from Empower up to $250, which you’ll immediately reimburse when you get paid. There are “no interest, no late fees, and no risk to your credit,” as the website advertises. Its our second pick and reliable borrow money app in the US.
However, there is a $8 monthly subscription cost, so you should consider whether the program is worthwhile before signing up. You are paying a monthly cost for Empower’s features, which include savings, budgeting, and expense-tracking tools, despite the website’s claim that “The $8 price is for the banking and budgeting tools and does not have an association with advancing.”
3. Varo
Varo is a reputable borrow money app and online bank account with a few features for payday advances in the US. Varo, like Chime, can deliver your paycheck to you as soon as it clears the bank, which is typically 48 hours faster than traditional banks. Varo will also give you a free $20 advance if you need your money sooner.
However, you will start to pay if you require more than that. The maximum amount of your paycheck that can be advanced is $100, and the maximum fee you’ll have to pay is $5. You must repay the advance within 15 to 30 days.
4. PockBox
PockBox provide quick cash of up to $2,500. You fill out the paperwork, and within a short period of time, a lender prepared to deposit money into your account by the following business day. Its our fourth pick for borrow money apps in the US.
Once more, APRs depend on your credit situation and the lender, but you’ll likely spend less through PockBox than you would with an online or offline payday lender.
5. Cashapp
Anyone who is at least 18 years old can open a CashApp account. You can get your paychecks up to two days early when you sign up. If your monthly salary is at least $300, you are also eligible for free ATM withdrawals.
You may pay for services, send money to friends and family, and more using CashApp. Additionally, you can invest as little as $1 in Bitcoin and stocks. CashApp doesn’t charge a fee for its direct deposit service or for sending money to others. ATM withdrawals and cash card upgrades are subject to surcharges.
6. Cleo
Cleo isn’t a bank. It’s a money app that links to your existing bank account. One of its key features is a salary advance benefit to help you avoid overdraft fees.
If you qualify, you can get an advance of $20 to $70 immediately. Once you pay it back, your cash advance limit can increase up to a maximum of $100. This feature requires no credit check and no proof of regular income. And you pay no interest on the money you borrow.
7. PayActiv
PayActiv users can access earned money prior to payday and receive assistance with financial advice. The app’s platform was created to be more than just a substitute for payday loans, enabling users to pay their bills and receive savings on prescription medications. Its our second pick for best money apps in the US.
You may even access your money quickly and conveniently with a debit card that is linked to your PayActiv account and has fraud protection. Users can use the service for free if they set up direct deposit to the card, or they can choose to pay a $1 daily fee.
8. Flex Wage
FlexWage works to enable workers to access their earned earnings whenever they need to, much like the other payday loan substitutes listed. These applications for payday loans are becoming more and more popular because they help employees who are stressed out about money. Additionally, payroll advances free firms from the administrative headaches that come with them. Its one of our recommended best money apps in the US.
In addition, FlexWage provides reloadable payroll debit cards for workers who typically receive paper checks. Workers who lack banking services and are unable to accept direct deposits may find this useful.
9. Branch
In the majority of the nations it works in, Branch provides personal loans and a cash advance up to $500 of your income or up to $150 per day. It provides free ATM access at more than 40,000 locations across the US, no-fee checking, and a debit card. Its one of our recommended best money apps in the US.
Through the Branch app, you may also send and receive money as well as transfer money and pay bills. Instant advances to your debit card cost $2.99 to $4.99, however normal advances to your bank account are free and take up to three business days.
10. Brigit
If you’re okay with the $9.99 monthly membership charge, this payday advance app will transfer you up to $250 that you’ve already earned in less than a minute. You must provide evidence of your monthly income as well as the duration of your bank account (it has to be at least 60 days old, which is common among these apps). Its our final pick for the best money apps in the US.
You can receive a cash advance of up to $250 once Brigit is confident that everything is legitimate and that you will truly be receiving a paycheck. When you receive payment, Brigit’s account will be automatically credited with the amount you owe her.
To apply, Click here.
11. Even
Even, yet another best instant money apps aids in on-demand payment by collaborating with thousands of employers who have joined forces with the business. The $8 monthly membership fee for the app is the only cost; there is no interest involved.
However, some employers cover all or a portion of that expense. The Even app not only notifies you of forthcoming payments and how much you need for them, but it also assists you in budgeting from salary to paycheck.
12. Albert
You can receive up to $250 from Albert from your upcoming paycheck. No fees, interest, or credit check are involved. Simply return the $250 when you receive your subsequent paycheck. Its our thirteenth pick for best money apps in the US.
You will end up paying a modest fee if you subscribe to Albert Genius, a program where you can ask Albert’s financial experts questions regarding money, if you need that money right away (in 10 minutes or less).
13. SeedFi
If you have poor credit or no credit history, SeedFi’s Credit Builder Prime is a good first step to take to start improving your score. There’s no credit check to get Credit Builder Prime – whatever score you have now won’t impact your ability to get this product. You can establish and improve your credit since payments are reported to the three major credit bureaus – on-time payments can help boost your credit score – and you can also end up with savings in the bank that you didn’t have before. And its our fourteenth pick for the best money apps in the US.
When you sign up for Credit Builder Prime, SeedFi opens a $1,000 line of credit in your name. You decide how much you want to draw, anywhere from $10 – $40, from the line of credit each pay period.. SeedFi deposits this amount into a locked savings account in your name. Each draw is a small, interest-free loan, and , when you get your paycheck, you simply pay SeedFi back – no fees, no interest.
14. Current
Current is a money borrowing app that gives you ability to instantly access up $200 with no interest or fees. There’s no credit check either.
With Current you get nearly all of the features you use a bank for, straight from your phone. Sign up for Current and you’ll get a Current debit card, which you can use at the millions of merchants that accept Mastercard, or withdraw cash from nearly 40,000 ATMs with no-fee.
You can also cash checks right in the app, and even earn rich cash-back rewards when your debit card, such as 4% at tons of local and national restaurants, and 2% back at brand-name gas stations. Its our fifteenth pick for the best money apps in the US.
The most popular feature is Current Overdrive, which gives you instant access to up to $200 in no-fee overdrafts in debit card purchases.
15. Vola
When you’re looking to borrow money with a loan app, Vola stands out because it offers same-day cash advances of up to $300 with no credit check. It also supports over 6,000 credit unions and banks.
- Amount: Up to $300
- Processing Time: Within five hours
- Repayment: Manually or automatically on the due date
- Fees: Subscription fee of $2.99 to $28.99
16. Go2bank
If your Go2bank account receives direct deposits, you can receive your complete paycheck early for no additional cost. how soon? You may receive government benefits up to four days early; up to two days. You’ll pay $5 each month if your Go2bank account doesn’t receive direct deposits.
17. Earnin
You can receive up to $500 from your paycheck and up to $100 per day with this best money apps. In Earnin’s opinion, freelancers may find it difficult to demonstrate that they receive a paycheck because you are required to disclose your checking account details.
The money, however, will be given to you without charge or interest. Just a gratuity is requested, with a suggested amount of 4%.
18. Dave
Although there is a means to earn $200, Dave only allows advances of up to $100. (it involves getting a Dave debit card and a Dave spending account). No interest will be added to your balance, however a gratuity of up to 20% will be requested.
To use the app, you must also pay a $1 monthly subscription charge. It’s important to note that there will be a cost of between $1.99 and $5.99 if you require the money immediately, such as within eight hours. However, there is no charge if you can wait a couple of days. Its our nineteenth pick for the best money apps in the US.
Dave will assist you with money management. In the event that your account balance is insufficient or you are unable to pay a bill that Dave is aware will be due.
To apply, Click here
How Do I Borrow Money From Cash App?
- Open your Cash App mobile app.
- Tap the Banking icon in the lower-left corner.
- Scroll until you find the word Borrow.
- Tap Unlock to view how much you can borrow.
- Follow the on-screen instructions to borrow up to that amount.
What Apps Let You Borrow Money Instantly?
- Earnin: Best for hourly workers.
- Dave: Best for overdraft protection.
- Brigit: Best features.
- Current: Best for spending.
- Chime: Best for those looking to avoid bank fees.
- MoneyLion: Best for those who receive direct deposit.
