Top 22 Best Apps That Let You Borrow Money 2022

Apps that let you borrow money through payday and other cash advances have become easy to access and can give you emergency and fast helpline when you need urgent cash loan to pay bills, house rent, car repairs or meet an emergency spending before the next paycheck.

Modern lending have become digital, 100% online and very simplified and digitalized making borrowing money truly instant in 2022 with the evolving of emergency and cash advance apps that let you borrow money and have value in your account same business day or at most the next, once you meet all requirements which aren’t difficult.

Evolution Of Apps That Let You Borrow Money

With the evolution of the digital technology, the business of money and banking have made life easier and so is the consequent business of getting access to funds. Many apps that let you borrow money have evolved helping thousands of Americans everyday who live paycheck to paycheck meet their current finnacial obligation after the pandemic that followed Covid 19 globally and rendered many jobless and many underemployed.

There are now many cash advance apps that let you borrow money instantly either from your next paycheck at very little cost or from your business turnover. You can now easily apply for $50, $100 or $150 from these payday advance apps and get it within a few hours.

Whatever is it that is urgent for you to fix, be it bills, need gas cash, rent coming up soon, personal financial obligation, urgent purchases or any other commitment that cannot wait, these cash advance apps that let you borrow money can be quick rescue deterring your panic while waiting until payday.

Features Of Apps That Let You Borrow Money In 2022

Apps that let you borrow money in 2022 are designed to change the present financial system that attempt to leave millions of people behind across America by allowing salary earners, workers, borrowers and customers get funding before payday. These payday cash advance apps are specially designed to let you draw certain amounts of your earned wages and salaries before they fall due.

Most of the apps that let you borrow money allow you access to small amount from your next paycheck before you receive it. This quick fix may be helpful if you need cash in an emergency, but be sure you don’t have cheaper options before you borrow from an app.

How Apps That Let You Borrow Money Work?

Apps that let you borrow money fast and quick approve your loan the very moment you apply once you qualify, very fast and easily. Most of them if not all, won’t even need to check your credit score, are very good therefore for bad credit loans, and in many cases come with little or no interest. They just request a voluntary tip for the service.

However you may have to go through a few process to set up an account with the cash advance apps, such as setting up automatic repayments from your bank account, but after your account is active, you can access funds at considerable costs.

Unlike other loan options such as credit cards or personal loans, the cost of borrowing from apps that let you borrow money isn’t always expressed as an interest rate. Instead, many of the lending apps may charge subscription or expedited funding fees, and many simply suggest you tip them for their loan services.

List Of Top 22 Best Apps That Let You Borrow Money In 2022

Below is our comprehensive list of top 22 best apps that let you borrow money in 2022.

  1. Earnin
  2. Empower
  3. 10 Minute Loans
  4. The Payday Advance app
  5. Dave
  6. Even
  7. Upstart
  8. SoFi Money
  9. Upgrade
  10. Axos Bank
  11. Varo
  12. DailyPay
  13. Brigit
  14. Chime
  15. Branch
  16. MoneyLion
  17. Cleo
  18. Kora
  19. Albert
  20. Possible Finance
  21. PayActiv
  22. FlexWage

1. Earnin

Earnin is our 1st pick on our list of top 22 best apps that let you borrow money in 2022. It facilitates earning all across America by salary earners 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. “We run on tips. We’ll never charge you a fee or interest. If you like the service, simply tip what you think is fair,” is their claim.

The app lets you draw small amounts up to $500 of your earned wages before payday. Instead of charging interest, Earnin asks users to provide an optional tip for the service. Earnin, according to the organization, isn’t a payday loan, a cash loan, or an application to acquire cash. They claim it give you access to your salary when you need it – with no interest, and no credit check.

CLICK HERE to request loan from Earnin.

2. Empower

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 2nd pick on our list of best apps that let you borrow money.

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.

CLICK HERE To Apply from Empower.

3. 10 Minute Loans

10 Minute Loans is a digital lending platform that gives fast and unsecured payday loans instantly and our 3rd pick on the list of the best apps that let you borrow money for quick and emergency expenses.

With 10 Minute Loans instant cash advance app, you can get money and small loans in advance before payday arrives! The app claims with its loan service, you have no more frustrating visits to the bank or delays, as it claims you can get payday loans quickly and securely from your phone.

10 Minute Loans allows you to get $100, $250 or more (max is $5,000). Once applied, you will get a quick lending decision and your loan agreement. We made sure to include great rates so you can pay less when compared to the other money lending apps. Plus, our payday loans online app requires little credit documentation, which makes things a lot easier.

CLICK HERE To apply from 10 Minute Loans.

4. The Payday Advance app

The Payday advance app is one of the top apps that let you borrow money fast when you need urgent cash, with claims to give fast access to loan to cater for unexpected expenses or emergency needs within 24 hours.

If you can’t bolster your finances right away, you may simply open one of their best cash advance apps and get funded in a minute. This is a convenient and fast process that also protects your personal and banking data.

There are three easy steps to obtain your fast money from the Payday Advance App:

  • Submit Online Request. We just need some information about you as a potential borrower so that we can issue the funds. Full name, active bank account, and your phone number are more than enough.
  • Receive Quick Offer. Consumers will instantly get matched with direct lenders through the best payday loan app. This process is fast and takes a few seconds. Only the best payday loan apps like PayDaySay cooperate with trusted creditors that work instantly.
  • Receive the Cash. Unsecured personal loans can be quickly obtained via direct deposit into your checking account. Our ppp loan app is suitable for borrowers with any credit.

CLICK HERE To download and apply from The Payday Advance App  .

5. Dave

Dave is a banking app and the 5th pick on our list of apps that let you borrow money instantly. With them, you get paid up to two days early, build your credit history, and get up to $200 cash advances without paying a fee. 10 million members and counting.


  • Get a small advance on your next paycheck and then pay Dave back when it arrives. No interest. No credit check.
  • Dave partners with LevelCredit to let you report rent payments to major credit bureaus, giving you a credit-building opportunity. A $100 per year service that’s free for Dave Banking members.
  • Every account is protected by banking-level security and FDIC-insured up to $250,000
  • Need help with your account? Dave has fully-trained professionals standing by to help you out.
  • With Dave Banking, there are no overdraft fees, no minimum balance fees and no ATM-fees from 32,000 MoneyPass ATMs.
  • Always know how much you can spend while still covering all your bills with Dave’s automatic budgeting feature.
  • Put a little more money in your pocket by finding a side job that fits your schedule with Dave’s Side Hustle feature.

CLICK HERE to apply from Dave app.

6. Even

Even is our 6th pick on the list of apps that let you borrow money. Whether you need to fill your gas tank, pay a bill, treat yourself to a good time, or buy groceries, Even is there to help you deal with life’s surprises by giving you access to cash within minutes. The service puts its own unique spin on cash loans by advancing money from your unpaid wages.

To be eligible to borrow money from Even, you need to work for a qualifying employer. Even will then furnish you with an advance of up to 50% from your paycheck depending on your salary history.

Even does not collect interest rates or taxes when you take a cash advance from the service. However, like its counterpart, Even requires a monthly subscription fee to enable you to cash out from the platform.

To Apply for Even Loan, click here.

7. Upstart

Upstart, a US digital lending platform is our 7th pick on the list of best apps that let you borrow money, providing access to instant cash advance, facilitating fast and quick online loans from $1,000 to $50,000 from several lending partners. Upstart says it’s different from others who only look at your credit score and credit history — their evaluation process also looks at your education, major, and job history.

Upstart-powered lenders offer quick loans from $1,000 to $50,000 with fixed interest rates and repayment terms of 3 or 5 years. Loans through Upstart may be used for many purposes like debt consolidation, moving, weddings, and medical bills.

You can apply for a Upstart Loan by CLICKING HERE

8. SoFi Money

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The 8th pick on our list of apps that let you borrow money for fast and emergency loan is SoFi Money. The platform gives you early access to your salary before the direct deposit is scheduled to arrive in your account.

SoFiMoney does not charge overdraft fees or minimum balance fees. It even offers free coverage for accidental overdrafts of up to $50 so you don’t get hit with a penalty. It has zero monthly charges. If you have a SoFi Money card, you get to enjoy access to over 55,000 ATMs across the country without having to pay transaction fees.

CLICK HERE To apply for SoFi Money Loan.

9. Upgrade

Upgrade is our 9th pick on our list of cash apps that let you borrow money very fast until payday. It offers fast loan from $1,000 to $50,000 with three- or five-year terms. If you’re approved, you could get your funds within a day of clearing the necessary verification.


  • Upgrade accepts poor and fair credit
  • Quick loan funding
  • Free credit monitoring and educational resources


  • Origination fees from 2.9% to 8%
  • Not available in West Virginia
  • Doesn’t disclose minimum income requirements

Upgrade online lender provides fast approval of fixed-rate quick loans of up to $50,000 to borrowers who have a credit score of at least 580.

CLICK HERE to apply for an Upgrade Loan

10. Axos Bank

Axos Bank is the 10th pick on our list of cash apps that let you borrow money. It is a financial service platform that offers its customers quicker access to their paychecks. When you open a high-yield savings and checking account with Axos Bank, you automatically qualify for the Direct Deposit Express feature.

This gives you access to an advance on the money you’ve already earned days before the actual check lands in your account. To activate this feature, you simply have to set up a direct deposit for your account and Axos will take it from there.

Axos Bank does not charge you a monthly service fee. It doesn’t demand overdraft fees or require you to have a minimum balance to keep your account operative either.

Additionally, the bank offers Cashback Checking, allowing you to earn up to 1% cashback on your transactions. Axos will even reimburse you for ATM fees you incur from other banks in the U.S.

 CLICK HERE To apply for loan from Axos Bank, 

11. Varo

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Varo is a powerful digital banking service and our 11th pick on our list of apps that let you borrow money from your payday quickly and for emergencies. The platform provides access to cash advances before your paycheck arrives so you don’t have to put up with the usual delays that accompany traditional banks.

Once you set up a direct deposit on your Varo account, you’ll be entitled to withdraw any amount you want from your earned wages ahead of time.

The pay advances you receive from Varo are interest-free. You won’t even have to pay transfer fees, foreign transaction fees, or keep a minimum balance. Likewise, your Varo account comes with a debit card with a zero liability guarantee.

CLICK HERE to apply from Varo app.

12. DailyPay

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If you’re looking for payday apps that let you borrow money to help you solve urgent financial needs when you’re low on cash without attracting hefty overdraft fees on your account, DailyPay is one of the best options to consider.

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.

Whenever you clock in for a shift, your earnings for the day will be added to your DailyPay account. You can transfer the earned amount to your bank account any time you want and DailyPay will deduct the advances from your salary when payday comes around.

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.

CLICK HERE to apply from DailyPay.

13. Brigit

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Brigit is one of the top awesome apps that let you borrow money in 2022. 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.

CLICK HERE to Apply for Brigit loan.

14. Chime

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Chime is our 14th pick on our list of top 22 best apps that let you borrow money in 2022. The maximum amount you can request is $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.

Chime has been in the fintech business for almost a decade now serving as an online bank account where you can make direct deposits, transfer money, send checks, pay bills online and get a cash advance on your salary when you’re low on funds.

Chime is completely free to use. It neither charges maintenance fees, nor transaction fees. No minimum balance fees or hidden charged are charged.

To Apply for Chime loan, click here.

15. Branch

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Branch is one of the best apps that let you borrow money available in the market today. The service is 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.

This fintech platform is particularly useful for employers who have lots of underbanked or unbanked employees. It provides them with a free digital account and debit card for transactions.

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.

CLICK HERE to apply from Branch app,

16. MoneyLion

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In our list of reputable apps that let you borrow money in 2022, for payday loans in respect of emergency expenses is MoneyLion, our 14th pick in this series.

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. 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.

MoneyLion doesn’t perform any kind of credit checks before, during, or after you request a cash advance, so you don’t have to worry about ruining your credit or getting disqualified for not having stellar credit.

CLICK HERETo apply from MoneyLion app.

17. Cleo

Cleo is one of the top payday apps that let you borrow money, and it functions by linking to your existing bank account. One of its key features is a salary advance benefit to help you avoid overdraft fees from conventional loans.

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.

Salary Advance isn’t included with the free version of the Cleo app. It’s available only as part of the Cleo Plus and Cleo Builder accounts, which come with monthly fees. However, these accounts also provide other perks.

CLICK HERE to apply for Cleo Loan.

18. Kora

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Kora, our 18th pick for the best apps that let you borrow money, is a relatively new money tracking and micro-lending app that allows students to draw on a line of credit (it was formerly known as Boro). Once your account is created, a $2,000 line of credit is available as needed. When you pay off the borrowed amount, you don’t need to apply again to initiate another draw (i.e., borrow). Just access the amount that is needed and pay it back over time.

Kora has a cash advance limit of up to $2,000. Since college students often don’t have a credit history (86% of Kora customers don’t have one), Kora uses other methods to evaluate creditworthiness. Also, having a Social Security number (SSN) or cosigner is not required.

Kora doesn’t charge any fee, only the interest on any loan you take.

CLICK HERE to apply for Kora Loan for college students.

19. Albert

Albert is our 19th pick for the best apps that let you borrow money to meet emergency expenses of up to $250 against your next paycheck. When you make a request, they’ll send the money directly into your bank account. You repay the advance upon deposit of your next paycheck.

Albert gives cash advances of up to $250 with no interest and no late fees. The negative balance will be deducted from the next paycheck once the user is paid. Users are not required to sign up for Albert’s paid subscription tier to access cash advances.

One limiting factor to consider, though, is the $4.99 fee for instant access to cash. Otherwise, the cash transaction will take 2 to 3 days to reach a customer’s account.

Additional benefits include two-day-early paychecks and no impact on credit scores for cash advances.

To apply for Albert Loan, Click Here.

20. Possible Finance

Possible Finance is our 20th pick on our list of the finest apps that let you borrow from your next paycheck for quick cash when you face an emergency.

Possible Finance provides short-term installment loans. The maximum amount you can borrow is $500, which, so far, is the biggest loan amount we’ve seen here today! Typically, it will cost you around $30 for every $200 you borrow (with 8-weeks repayment).

The platform operates a term lasting two months. To repay your installment loan you’ll deposit 4 payments across 8 weeks until you’ve paid everything.

To Register And Apply for Possible Finance Loan, Click Here.

21. PayActiv

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One of the most attractive features of PayActiv is the fact that you can use the cash advance service during federal holidays and weekends in the US. It is our 21st pick on our list of 22 premier apps that let you borrow money immediately.

PayActiv is designed to help employers provide their employees with early access to their paychecks. However, you are still eligible to use the service even though your employers don’t have an account with PayActiv.

In this instance, you’ll have to apply for a PayActiv card to be able to receive a pay advance from your wages up to two days ahead of the due date.

Once you register on PayActiv, you’ll be able to view the number of hours you’ve worked and your current earnings from the app. Like Dave, PayActive doesn’t charge interests on cash advances, the amount withdrawn is simply deducted from your next paycheck.

To Apply for PayActiv Loan, click here.

22. FlexWage

FlexWage is one of the best apps that let you borrow money, by helping employees access their earned wages before payday to settle their financial responsibilities. With its OnDemand Pay feature, you can request a cash advance from your salary.

FlexWage allows your employer to determine your advance limit and how often you can request an advance.

In addition, FlexWage is useful for checking transfer history, reviewing account balances, and carrying out transfers among banks. It also provides reloadable charge cards for users that function like a paper check.

However, unlike some other traditional cash advance apps, this platform gives you immediate access to your wages on payday. You can use the card at any Allpoint ATM, retailer that accepts Visa, or even send the cash to a bank account at no charge.

To Register And Apply for Flexwage Loan, Click Here.

Do You Need Quick Or Emergency Cash From Apps that let you borrow money?

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If you are in United States of America (USA), you can also apply for an emergency cash advance loan even if you have a poor or bad credit rating. If you need the top and best Apps For No Credit Check Loans Guaranteed Approval Direct Lender, CLICK HERE.

These Top 10 Best Instant Loans No Credit Checks Guaranteed Online Approval are highly recommended if you are in the USA.

If you are in Canada, these 10 cash advance loan apps could meet your emergency and quick cash loan request.

In need of an instant loan or an emergency cash loan in Nigeria? You can apply through any of the top loan apps in Nigeria and get funded under a few hours, a few more hours without collateral or document needed of our list of reputable loan apps in Nigeria.

For instant, payday, emergency or advance cash loan if you are in Australia, CLICK HERE.

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About the Author: Femi Adeoya

Mr Femi Adeoya is a Chartered Forensic Accountant and a Certified Fraud Examiner. He has over 20 years professional work experience in accounting, finance and business management processes. As an Accounting Software Expert, he has implemented and supervised accounting solution set up of over 50 small and medium businesses in Nigeria. As a passionate blogger, Mr Adeoya is an ardent writer and communicationist. He is the CEO of QUICK LOAN ARENA (, the number 1 loan apps review website in Nigeria. He is very passionate about the quick and instant loan industry in Nigeria and has written over 200 reviews on different loan apps and digital banks in Nigeria, USA, Canada and UK.

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