Top 15 Best Legit Loan Apps For Emergency Payday Cash Advances

Legit loan apps come very handy every once in a while, when you are get stuck financially, or need to pay your house rent, or you need to settle some overdue bills or when or where you need money urgently. If you don’t have a friend around who could lend you some extra cash, you may turn to an institution for help. However, conventional lenders’ processing times can often be weeks long.

This is where legit loan apps come in. Some of these emergency cash immediately apps let you borrow money instantly, making it easier for you to get urgent cash in just a few minutes. Not only is the processing quick, but it also takes less than few minutes to start applying for a loan.

Legit Loan Apps To Carry You Until Payday
Legit Loan Apps To Carry You Until Payday

In addition, the fees are a lot better than traditional payday loans. And our list of legit loan apps as the name implies are credible, reputable and reliable cash advance apps and platforms to help you until payday.

List Of Top 15 Best Legit Loan Apps To Carry You Until Payday

The following is our list of top 15 best legit loan apps that can help you fund your emergency cash needs until payday.

  1. The Payday Advance app
  2. Dave
  3. Loan Today USA
  4. Upstart
  5. SoFi Money
  6. Upgrade
  7. Axos Bank
  8. Varo
  9. DailyPay
  10. Branch
  11. MoneyLion
  12. Brigit
  13. Chime
  14. Empower
  15. Earnin

1. The Payday Advance app

The Payday advance app is the 1st on our list of legit loan apps that 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:

  • 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.

The loan app says their platform guarantees data protection. “We never disclose personal information to third parties and we utilize 256-bit encryption. Everything is transparent and safe. No worries or hassle. No paperwork or queues. Your money is just a few minutes away from you. Get any sum you need till the next salary day,” it further claims.

Be it an urgent $1000 car repair bill or a home improvement that leaves you with no time to postpone, instant cash advance request can bring relief. Take control of personal finances with no hassle or rush!

CLICK HERE To download the app from Google Play and apply.

2. Dave

Dave is one of the best legit loan apps to ever exist. The lending platforms says it is on a mission to create financial opportunity that advances America’s collective potential. 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.

Features of Dave Instant Cash Advance App

  • 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.
HOW TO APPLY FOR DAVE QUICK LOAN

Download DAVE APP ON GOOGLE PLAY STORE BY CLICKING HERE.

Download DAVE APP ON APP STORE BY CLICKING HERE.

3. Loan Today USA

Another notable platform on our list of top 15 best legit loan apps for quick cash loans is Loan Today USA, a digital lending app for American residents that claims to give up to $30,000 with a loan repayment tenure from 120 days and above.

Features of Loan Today USA

– Loan repayment terms 120 days and up!
– Personal loans up to $30,000
– Payday or personal loans

If you are experiencing money problems or you just need a small advance against your payday to tide you over or you need cash for an unexpected expense, then a payday loan such as Loan Day USA can be the solution you are looking for.

Bad Credit Loans
Bad credit loans refer to low credit scores; things like late payments or maxed-out credit cards can bring your scores down, and when you have bad credit, qualifying for loans can be a challenge.

To download the app from Google Play, CLICK HERE.

4. Upstart

Upstart, a US digital lending platform is our 4th pick on the list of top 15 best legit loan apps that provide access to instant funding, 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.

In addition to your credit, Upstart digital lender will consider your education and job history to determine creditworthiness — which means you might qualify even if you have little to no credit 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 from HERE

5. SoFi Money

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The next app on our list of best legit loan apps for 2022 is SoFi Money. SoFi Money gives you early access to your salary before the direct deposit is scheduled to arrive in your account.

Like Dave, this app 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.

However, unlike Dave, SoFi Money 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.

To apply for an instant cash advance from SoFi Money, CLICK HERE.

6. Upgrade

Upgrade is number 6th on our list of legit loan apps and it offers quick 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.

Pros

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

The 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.

To qualify for a quick loan from Upgrade, you fill out a one-page form to get rates, then choose any options you prequalify for. If you prequalify, the rates you’re offered will depend on your credit score, credit usage, and history.

You can apply for a Upgrade Quick Loan from HERE

7. Axos Bank

Axos Bank is our 7th pick on our list of legit loan apps, offering users 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.

To apply for cash advance from Axos Bank, CLICK HERE

8. Varo

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Varo is a powerful digital banking service and our 8th pick on our list of top 15 best legit loan apps for quick cash loan. 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, just like the advances that Dave offers. You won’t even have to pay transfer fees, foreign transaction fees, or keep a minimum balance.

To apply for Varo instant cash advance app, CLICK HERE.

9. DailyPay

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Top 15 Best Legit Loan Apps For 2022

If you’re looking for legit loan apps for instant emergency cash to help you solve urgent financial needs when you’re low on funding without attracting hefty overdraft fees on your account, then DailyPay is one of your 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.

To read more and apply for DailyPay advance, CLICK HERE.

10. Branch

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Legit loan Apps In 2022

Branch is our 10th pick on our list of top 15 best legit loan apps 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.

To apply for Branch instant cash advance app, CLICK HERE

11. MoneyLion

Instant Cash Advance Apps In 2022
Top 15 Best Legit Loan Apps For 2022

In our list of reputable and legit loan apps for payday loans to cater for emergency expenses is MoneyLion.

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 much fast and quick. 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.

To apply for MoneyLion instant cash advance app, CLICK HERE.

12. Brigit

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Brigit is one of the best legit loan apps you can get in 2022. It works by letting you borrow money and paying it back when your next paycheck is deposited.

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. The app allows you to extend the due date on your first loan once without incurring a penalty or late fee. Brigit charges a membership fee though.

To Apply for Brigit loan, click here.

13. Chime

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Top 15 Best Legit Loan Apps of 2022 

Chime is our 13th pick on our list of top 15 best legit loan apps in 2022. The maximum amount you can request with the app 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.

While Dave charges you a monthly subscription fee of $1 to maintain your account and Express fees between $1.99 Chime is completely free to use. It neither charges maintenance fees, nor transaction fees. Minimum balance fees or hidden fees are not charged.

To Apply for Chime loan, click here.

14. Empower

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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 14th pick on our list of legit loan apps that guarantee you instant approvals and quick cash loans.

Want a quick cash advance 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. Empower is definitely one of the top apps like Dave.

To Apply for Empower loan, click here.

15. Earnin

Earnin is our 15th and last pick on our list of legit loan apps that can help you until payday or whenever you have an emergency quick cash need. 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.

Earnin is one of those cash advance apps that let you draw small amounts 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.

On payday, your account will be debited for the money you cashed out + tips

CLICK HERE to apply for Earnin Cash Advance.

Frequesntly Asked Questions (FAQs) About Legit Loan Apps That Help You Until Payday

1. What are the easiest legit loan apps to get a cash advance?

The following is a list of top legit loan apps that will avail you cash advance for emergency cash until payday.

Earnin
PayDayCash USA
10 Minute Loans
The Payday Advance app
Dave
Loan Today USA
Upstart
SoFi Money
Upgrade
Axos Bank
Varo
DailyPay
Branch
MoneyLion
Brigit
Chime
Empower

2. What are cash advance apps that loan you money immediately?

Cash advance apps are platforms that can facilitate short-term loans that can help you out until your next payday.

3. How do legit loan apps work?

QUICK LOAN ARENA complete list of payday cash advance apps are all legit loan apps and work by taking you through a short application process and once you meet the requirement, you can get immediate funding into your checking account.

4. Are Cash Adance apps that loan you money until payday easy to use?

Yes, these cash advance apps can be used via your web browser, with the application process only taking a few minutes to complete.

5. What is the best instant legit cash App?

The following is a list of the best cash advance apps for quick cash loan immediately.

Earnin
PayDayCash USA
10 Minute Loans
The Payday Advance app
Dave
Loan Today USA
Upstart
SoFi Money
Upgrade
Axos Bank

Do You Need Legit Loan Apps For Quick And Emergency Cash?

Cash Advance Apps Have Changed The Dynamics of The Loan Industry Globally
Legit Loan Apps Have Changed The Dynamics of The Lending Industry Globally
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 within few hours.

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 also highly recommended.

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

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 (quickloanarena.com), 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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