In this article, we would be reviewing the best instant cash advance apps with no credit check or with bad credit which you can easily download and access cash in case of emergencies or whatever financial need or obligation you might need the lending apps for. When living paycheck to paycheck, an unexpected expense can significantly disrupt plans. Cash advance apps are a short-term solution to cover those unexpected expenses.
One common way to cover expenses until the next paycheck is to borrow money that you repay with a future paycheck. Payday loans and cash advance apps both allow you to borrow money ahead of the next payday. With a payday loan, lenders charge high annual percentage rates (APRs) to borrow money. These high fees can lead to more long-term financial trouble, since they can build up into greater debt.
Cash advance apps for bad credit or with no credit check such as Dave, SoLoFund, Brigit, Earnin, Empower, Albert and MoneyLion, etc care more about your cash flow and ability to repay from your next paycheck, other than your credit score, so if you have bad credit or extremely low credit score, it won’t affect your ability to qualify for a cash advance until your mext pay day.
Top 10 Best Instant Cash Advance Apps With No Credit Check That Loan You Money Instantly
Some of the most reliable and highly reputable instant cash advance apps with no credit check that can loan you money instantly in 2023 include: Dave, SoLo Funds, Brigit, Earnin, MoneyLion, Possible Finance, Empower, Albert and Chime among other guaranteed approval loan apps. With these applications, you can easily access between $50 to $200 instantly with even a bad credit score and pay back duing your next paycheck.
1. Dave — Best for Overdraft Protection
Dave is one of the best instant cash advance apps with no credit check, but will still loan you money instantly, Dave should be on your radar. For example, the cash app lets you borrow up to $250 with no interest or credit check. However, you need to have some money left after paying your monthly bills. In addition, the membership fee is $1 per month. However, Dave is a safe and legit way to receive cash for free within three business days, and you also have the option to pay a fee for same-day funding. On top of that, the Dave app should be available in all states, and you can link an external bank account.
If overdraft fees are cutting into your budget, Dave can help. Dave’s app looks for potential overdrafts, like an upcoming bill, and alerts users before their accounts are overdrawn. The app also provides a Yours to Spend summary, a personalized budget that factors in income and past expenses to estimate how much users can spend freely. Before payday, Dave is a trusted cash advance app that can give you extra cash but unlike other instant cash advance apps with no credit check on our list, it requires a $1 membership fee. Get the Dave cash advance app here.
| Loan Amount: | Up to $250 |
| APR: | 0% |
| Terms: | Repay manually or with your next paycheck |
| Fees: |
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| Credit Check: | No |
| How to Qualify: |
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| Link External Bank Account: | Yes |
2. SoLo Funds — Best for Peer to Peer Loan funding
SoLo Funds allow you to borrow $50 to $500 instantly without any credit check and with a repayment terms of 15 days or less. The app is excellent if you’re looking for platforms that pay you real money without worrying about high APRs. For your reference, SoLo Funds is a peer-to-peer (P2P) lender that connects borrowers with investors. Moreover, the app should be available in all states, and applicants with low or no credit scores are welcome to apply. However, late payment fees will cost you 15% of the loan amount plus $5. In addition, you can’t roll over your loan if you default, and the repercussion is often losing access to the apps’ services.
SoLo Funds allows you to borrow money instant from your friends and pay them with “tips” rather than a scary interest rate. However, you need to be careful since these tips can be sky-high (you don’t want to pay as much as you would for a payday loan). The maximum amount is $1,000 and it’s incredibly simple to do. You’ll have to describe why you need the money but that is easily done! You can get the SoLo Funds app here and apply easily for your instant loan.
| Loan Amount: | Up to $500 |
| APR: | Typically 3% to 10% |
| Terms: | Up to 15 days |
| Fees: | Late payment fee is 15% of the loan amount + $5 |
| Credit Check: | No |
| How to Qualify: | Depends on the P2P lenders’ criteria |
| Link External Bank Account: | Yes |
3. Brigit — Best for Same-day Loans
Brigit is one of the best instant cash advance apps with no credit check that will always loan you money instantly even with your bad credit score, for it doesn’t check nor care. However, you need to become a member to apply, and the membership fee is $9.99 per month. But like Dave, you can repay the advance manually or have the money automatically deducted from your next paycheck. In addition, the Brigit app should be available in all states. And while its proprietary “Brigit Score” determines whether you qualify, a reasonable score of 40 or more should be enough to gain approval.
Brigit lets you borrow $250 the same day you apply for it — provided your application is submitted before 10 a.m. EST. However, you need to use the company’s monthly paid plan to access this feature. Get the digital lending app here on the App Store and here on the Google Play Store.
| Loan Amount: | Up to $250 |
| APR: | 0% |
| Terms: | Repay manually or with your next paycheck |
| Fees: | $9.99 monthly membership fee |
| Credit Check: | No |
| How to Qualify: |
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| Link External Bank Account: | Yes |
4. Earnin — Best for Earning-based Borrowing
Earnin is a very reputable and trusted instant cash advance app that doesn’t require any form of credit check nor minimum credit score. With the Earnin app, customers can easily access up to $500 of their paycheck, allowing you to borrow against your next paycheck quickly without any fees or interest payments attached.
When users sign up for the app, Earnin connects their bank accounts to verify their payment schedules. The app calculates users’ hours by tracking how long they’re at work using their phone’s GPS or by allowing them to submit a timesheet. It then determines hourly pay rate based on how much money the user receives in direct deposit.
Earnin provides safe and legit access to $100 per day or $500 per pay period. Moreover, there is no interest or credit check, and you can repay the advance manually via money order or have the funds deducted from your next paycheck. Furthermore, since there is no monthly membership fee, Earnin is one of the best apps that loan you money instantly.
| Loan Amount: | Up to $100 per day and $500 per pay period |
| APR: | 0% |
| Terms: | Repay manually via money order or with your next paycheck |
| Fees: | Up to $3.99 per $100 for same-day cash advances (first is free) |
| Credit Check: | No |
| How to Qualify: | Have a checking account with frequent direct deposits |
| Link External Bank Account: | Yes |
5. MoneyLion — Best for Multiple Options
MoneyLion app offers mobile bank and investment accounts, financial tracking, a credit-builder loan and cash advances up to $250 with no interest or credit check,. The Instacash advance is available to anyone with a qualifying checking account. However, you’ll have to pay a fee if you need your funds quickly. MoneyLion says it charges no interest or fees with the cash advance, but you’re asked to provide an optional tip if you get an advance.
With MoneyLion, you don’t have to repay the funds until payday. However, since the app restricts new accounts to $25 or slightly higher when you sign up, consider it a $50 loan instant app until you build a reliable relationship. The maximum amount a user can access on MoneyLion is $250 but to access a higher amount you would have to pay a $1 per month membership fee. If you need to get an instant cash advance with no credit check from MoneyLion, get started here.
| Loan Amount: | Up to $250 |
| APR: | 0% |
| Terms: | Repay with your next paycheck |
| Fees: | $1.99 to $7.99 for immediate cash advances |
| Credit Check: | No |
| How to Qualify: |
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| Link External Bank Account: | Yes |
6. Possible Finance — Best for Late Payments
While loan amounts vary by state and won’t exceed $250 in California, Possible Finance, a top instant cash advance app with no credit check, typically provides up to $500 with no credit check. However, APRs range from 150% to 200%, and you repay the proceeds in eight weeks.
Also, there is a 29-day grace period if you suffer a financial emergency, and payday loans have an average APR of 400% and require you to repay the money with your next paycheck. Thus, while PossibleFinance’s APRs are high, the lender’s products are cheaper than a payday loan. And because of that, PossibleFinance should be considered one of the best apps that loan you money instantly.
To qualify for a cash advance with no credit check from Possible Finance, you need to have a checking account history of at least three months and direct deposits of $750 per month or more. Also, it’s preferable to have a balance surplus each month. You can apply for Possible Finance payday loans here.
| Loan Amount: | Up to $500 |
| APR: | 150% – 200% |
| Terms: | Eight weeks + 29-day grace period |
| Fees: | None |
| Credit Check: | No |
| How to Qualify: |
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| Link External Bank Account: | Yes |
7. Empower — Best for No Interest and No Credit Risk
Empower is the 7th pick on the list of instant cash advance apps with no credit check and with guaranteed approval and immediate cash. 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.
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.”
| Loan Amount: | Up to $250 |
| APR: | 0% |
| Terms: | Repay manually or with your next paycheck |
| Fees: | $8 monthly subscription |
| Credit Check: | No |
| How to Qualify: |
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| Link External Bank Account: | Yes |
8. Albert — Best for No Late Fees
As another of the best cash advance apps that pay you real money without a credit check, Albert advances up to $250 with no interest, your bad negative or credit nonetheless. Moreover, free deposits occur within two to three business days, though there is a “small fee” for instant funding. In addition, if you bank with Albert, there are no administrative fees. However, if you deposit the cash in an external bank account, a $6.99 fee will apply.
Albert loan app can help assist until payday, and the app should be available in all states. Also beneficial, Albert doesn’t have monthly membership fees, so you don’t need a premium membership to access cash advances. To qualify, you have to link a bank account with a positive balance open for two months or more. Moreover, regular direct deposits from the same employer are a must, and Albert also requires an account surplus the day after your paycheck arrives.
| Loan Amount: | Up to $250 |
| APR: | 0% |
| Terms: | Repay manually or with your next paycheck |
| Fees: | $6.99 per cash advance to an external bank account |
| Credit Check: | No |
| How to Qualify: |
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| Link External Bank Account: | Yes |
9. Cleo — Best for Quick Instant Loans
Cleo is one of the top 10 best instant cash advance apps with no credit check for guaranteed loan approval ever to exist. When analyzing apps that borrow money, Cleo is another winner, and the app should be available in all states. Moreover, while you may only obtain $20 to $70 until you build a reliable reputation, you can receive up to $100 with no interest or credit check later.
However, Cleo has a $5.99 monthly membership fee, and instant cash advances also cost $3.99. In addition, Cleo doesn’t list any options to link an external bank account, so you may have to set up more than one Cleo account.
Cleo is one of the best apps that gives loans, and Cleo Plus members can earn back their monthly membership fee by taking advantage of exclusive cash-back shopping offers. For example, you can often earn more than $5.99 by using Cleo’s in-app cash-back coupons. In addition, you can repay the advance yourself or have Cleo automatically deduct the proceeds from your next paycheck.
| Loan Amount: | Up to $100 |
| APR: | 0% |
| Terms: | Repay manually or with your next paycheck |
| Fees: |
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| Credit Check: | No |
| How to Qualify: | Cleo’s algorithm analyzes your spending habits, payroll, and how well you budget |
| Link External Bank Account: | No |
10. Chime — Best for Zero Membership and Banking Fees
Chime is a mobile company that offers checking and savings accounts, as well as credit-builder loans, lets customers overdraw their checking account by a small, predetermined amount without fees via its SpotMe feature. SpotMe is more of an overdraft protection feature than a cash advance, but it still asks if you want to tip for the service.
With Chime, your account can go negative up to your approved amount, and purchases that put you below that extra cushion will be declined. You need at least $200 in qualifying direct deposits to your Chime account every month to qualify for SpotMe. If you already bank with Chime, The SpotMe service in the app allows you to overdraft up to $200 but $20 for new users. To access instant cash advance from Chime, Get started here.
| Loan Amount: | Up to $200 |
| APR: | 0% |
| Terms: | Repay with your next paycheck |
| Fees: | None |
| Credit Check: | No |
| How to Qualify: | Have a checking account with Chime |
| Link External Bank Account: | No |
What cash apps give you cash instantly?
All of the instant cash apps with no credit check below and also listed in this article can give you access to cash instantly ranging from $20 to as high as $500.
Some of the most reliable and highly reputable instant cash advance apps with no credit check that can loan you money instantly in 2023 include: Dave, SoLo Funds, Brigit, Earnin, MoneyLion, Possible Finance, Empower, Albert and Chime among other guaranteed approval loan apps. With these applications, you can easily access between $50 to $200 instantly with even a bad credit score and pay back duing your next paycheck.
What’s the easiest app to get a cash advance?
Dave is one of the easiest cash advance apps with no credit, to get instant cash advance. The app offers up to $500. Before payday, Dave is a trusted cash advance app that can give you extra cash but unlike other cash advance apps with no credit check on our list, it requires a $1 membership fee. Get the app here.
How can I borrow $200 on Cash App?
On Cash App, go to the “Banking” header and select “Borrow.” Although Cash App Borrow isn’t available to everyone yet, it does allow you to borrow up to $200 as long as you meet their requirements.
If the “Borrow” option doesn’t appear, it isn’t available for you yet.
Conclusion
Instant cash advance apps with no credit check front you money until your next paycheck arrives. So you should think of them as short-term funding products that help you overcome emergencies. You need to
have employment or self-employment income or receive recurring government benefits to qualify. That way, the lender knows that you can repay the proceeds. However, many of the companies on our list don’t charge any interest, so if you’re in a tight spot and need instant funding, cash advance apps can offer safe and legit bridge financing.
Every cash advance app has its pros and cons, so it’s important to do your research and pick the one that works best for you. Make sure you read the terms and conditions and don’t borrow more than you’ll be able to repay.
