15 apps
Cash advance apps, side by side
These products look alike but work in four different ways, and that changes what you pay. Each figure is the cost of a $100 advance, instant transfer, repaid in 7 days, from the company’s own fee terms, checked 2026-10-18.
Cash advance apps
You sign up yourself; the app estimates your pay from your bank account and takes the advance back on payday.
- Albert (Albert Instant (Instant Advance)) $25-$1,000. —fee not published
- Brigit (Instant Cash) $25-$500 (Maine residents $25-$250). —fee not published
- Cleo $20-$250 ($20-$100 for first-time users). —fee not published
- Dave (ExtraCash) $25-$500. · "Up to $5" a month. Dave's help center says the membership "provides access to" ExtraCash, and new members agree to the membership fee during sign-up. It renews monthly until cancelled in Settings > Membership; deleting the app does not cancel it. 600%$11.50 on $100
- EarnIn (Cash Out) Up to $1,000 per pay period; Daily Max up to $200 (New York $100, Maryland $150). 312%$5.99 on $100
- FloatMe (Float) Up to $200 per Float. 391%$7.50 on $100
- Klover (Balance Advance) Up to $750; advances range from $25 to $750. 495%$9.49 on $100
- MoneyLion (Instacash) Up to $500 with direct deposits to an outside bank, up to $700 with a Credit Builder Loan, up to $1,000 with recurring direct deposits to MoneyLion Spend. 469%$9 on $100
- Tilt (formerly Empower) (Tilt Cash Advance) $10-$500. 261%$5 on $100
Employer pay-advance services
Offered through your employer, which shares your hours and pay with the provider; the advance comes out of your paycheck.
- DailyPay (DailyPay On-Demand Pay) A portion of earned pay ('available earnings'), never 100% of earnings; DailyPay limits transfers to $1,000 per 24-hour period. —fee not published
- Payactiv (Payactiv Earned Wage Access) "A portion of wages you already earned"; no maximum dollar amount is published. 182%$3.49 on $100
Bank account features
A feature of a bank or payment account; you need that account (and usually direct deposit into it).
- Cash App Borrow (Borrow) Borrow up to $500; minimum $20; the maximum depends on your personal limit. —fee not published
- Chime SpotMe and MyPay (SpotMe (fee-free overdraft coverage) and MyPay (pay advance line of credit)) SpotMe: limit starts at $20 and may go up to $200. MyPay: page advertises up to $750; footnote says eligible members may be offered a $20-$1,000 credit limit per pay period. 156%$3 on $100
- Varo Advance (Varo Advance) Initial limits $20-$250; up to $700 over time with qualifying direct deposit. 487%$20 on $100
Installment loans
A loan with an interest rate, repaid in several payments. Different from a pay advance.
Sorted A–Z within each group. Tips are left at $0. See the cost ranking for every scenario and a CSV download, and how we calculate.