Apps That Let You Borrow Money Instantly Until Payday

If you are looking for an alternative to obtain some extra funds, the apps that let you borrow money till payday can be a decent helping hand. In many cases, you don't want to utilize your savings to support your immediate cash needs.

Borrow Money App: Cash Online Without Hassle

Thousands of people tend to live from paycheck to paycheck. It means they just have enough income to support their daily needs and other necessities while even a small financial emergency can easily unsettle them.

It may be rather time-consuming to travel from one lender to another and gather all the necessary information. Financial emergencies can't wait that long so you should act quickly. What is the best solution?

Money borrowing app is a great alternative to bank and credit union loans. Such payday loan providers allow consumers to get funded directly from home or office without any hassle.

You just need your smartphone or laptop to obtain the amount of cash you urgently need. Money apps offer a range of financial services including cash advances and payday loans without a credit check. It's so easy and fast to apply for a loan using a money borrowing app that you can get funds on the same day.

Apps That Loan You Money Instantly

The Internet is booming with a huge choice of alternative personal loan services and online cash advance apps. Is it possible to select the best one? Yes, we have conducted our unbiased analysis and are ready to present the list of the top-rated money apps to help you choose the best platform to borrow money today.

Below you can find all the details about each borrow money app, their pros and cons, the amount range, the fees, and interest payments, as well as the APR to help you make the right decision.


This borrowing app is suitable for iPhone and iPad users. It allows consumers to get matched with a large database of direct creditors directly through this streamlined app and obtain the extra cash they require.

The application process is digital and hassle-free while borrowers only need to insert their basic personal details and financial information. The repayment period varies between 65 days and 2 years depending on your loan agreement and the sum you borrow..

Amount Rate:

This loan app allows you to take out from $100 to $2,500 loan for any purpose and obtain this sum within the same business day.


The APR varies from 5.99% to 35.99% and it comprises the initial interest rate and any extra charges that might be requested by the creditor. Every creditor may have different terms and fees so you should check this information with each lender but the app is absolutely free for you.


  • Speed. This is a compelling app to borrow money instantly and it allows each consumer to obtain the necessary instant financial assistance through direct deposits. All you need is to submit your web request form on this app and reach multiple creditors.
  • Security. This loan app guarantees that the personal and savings account data of each client are securely stored and never disclosed to third parties. Each consumer is highly valued.
  • No credit check. If you are worried about having poor credit, a payday loan app is a great solution for you. Here you won't get any credit inquiries, so every borrower may get approved.


  • Not a direct creditor. This cash advance app isn't a direct lender so it can't make any lending decisions or issue the funds to the borrowers. Everything depends on your application information and the lenders will choose whether to lend you the money and on what terms.


This is another useful and reputable borrow money cash app to consider. You can obtain quick additional cash on your savings accounts for various needs and aims. App users need to have an active user’s bank account to connect to this app and obtain fast funds. It also has budgeting built-in tools and extra features to help you manage your personal finances.

Unfortunately, with this cash advance app you may only borrow $100 at a time, so it's a “borrow 100 dollars” platform. If you decide to open a Dave Banking Account, you will be able to increase your ability to withdraw the funds so that you can borrow up to $200.

Each month $1 will be charged from your card allowing you to use this app and its services. If you don't have enough funds on your card you will be notified about it via SMS message or through the Mobile App.


There is a $1 a month subscription fee for every consumer who wants to utilize the Dave app. It's necessary to connect your credit or debit card via Payment Method in order to start using it.

borrow cash app


  • No credit check. While most cash advance apps that loan you money instantly and financial providers only claim to offer such services, this cash borrowing app really doesn't perform any credit pulls. Since this payday loan app doesn’t report to major credit bureaus, it doesn’t hamper your score. Hence, it's suitable for every borrower in need.
  • Any credit score. If you have some issues with your credit rating, applying to this borrow app may help you avoid issues and get money instantly, even with a poor rating.
  • No interest rates. Unlike most apps, Dave doesn’t charge any fee for its services. But if you want to support this app, you may pay a tip.


  • You can't improve your credit. Although there are no credit inquiries and nobody asks about your credit rating, you won't have a chance to use this platform for taking credit builder loans and improving your score.
  • Borrowers will need to wait a few days to get funded. It may be rather frustrating, especially when you have a temporary emergency and can't wait to cover your needs.
  • Extra fee. Those who want to obtain the funds within the same business day must pay $4.99.
  • A small amount of cash. Keep in mind that cash advance apps allow you to withdraw no more than $100 for your needs. If you require a larger sum, you may need to opt for alternative lending solutions.


This is a useful cash app, to borrow money and get cash advances on your checking account within one day. Make sure you can repay the debt from the next paycheck. It means that you gain an opportunity to obtain the funds you have already earned but haven't been given by your recruiter yet. It is a quick financial assistance without any charges or fees. 

This cash advance app is a quick and easy way to borrow money. Once you fill in the amount you need, you will be issued the funds on your checking account. You can obtain cash advances and return the cash automatically on your next payday.

There are no membership fees or other charges. The amount you withdraw will be taken from your bank account on the next payday.

Amount Rate:

Borrowers can obtain only a cash advance of $50 or $100. You will be able to withdraw up to $500 a day after several months.

app to borrow money


  • No interest rates. It's a great option for app users who want to pay nothing more than the amount of cash they've borrowed. This app doesn't have any hidden charges. A borrower has to pay only $0-14 for one loan.
  • Money advance. One of the greatest benefits offered by cash advance apps is the ability to take out the cash advances you've earned so far but haven't been given by your recruiter yet. This is suitable only for full-time employees.
  • Automatic withdrawal. The funds will be issued and taken directly from your bank account on the next paycheck, provided that you have a steady source of income.


  • Not suitable for the unemployed. If you don't have stable employment or a full-time position, you won't be able to qualify for cash advances.
  • A small amount of cash. A money app is not a bank. Digital lending platforms approve only small loan amounts, which may not be enough to cover unexpected expenses.


Moneylion checking account users can get funds within the next business day after sending a loan request form and utilize the money for their urgent needs. There are two types of membership – core and plus.

If you want to avoid fees you may choose the core membership as it's free of charge. The plus membership will cost you $28 per month.

Amount Rate:

Consumers may request up to $250 for various purposes through this cash advance app without overdraft fees (but only if they paid for membership).

cash app borrow feature


Borrowing money with core membership doesn't won’t cost you anything. If you select the plus membership, you will qualify for special personal loans with a 5.99% APR that are suitable for improving the credit rating.


  • No credit check. Unlike many money borrowing apps and financial providers, Moneylion doesn't perform any credit checks. It makes it a beneficial cash app for people with poor credits.
  • Accept any credit score. If you have some issues with your credit rating, applying to this cash app borrow solution may help you avoid financial problems and get loan application approved within a few hours.
  • No interest rates. If you have a core membership, you can obtain a small amount of cash advance with no extra charges, including an overdraft fee.


  • Plus membership costs $28 a month. An advanced user’s bank account will cost you additional $28 dollars on a monthly basis. 
  • You can't boost your rating. If you have a core membership you may only obtain small cash advances without the ability to boost your credit history if you need to.
  • Cannot be used as a credit builder loan.


This is another helpful app that offers short-term loan solutions for your urgent needs. You will get money directly into your checking account. This app is suitable for many consumers. It allows you to extend the pay period up to three times, provided that you have temporary issues with loan repayment.

Clients may request up to $250 for various purposes through a cash advance app. The application process is quick and unbiased as there are no hidden charges and overdraft fees.

Borrowers also receive balance and bill alerts to get reminded about the upcoming bills so that they can act quickly and avoid late fees.

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You need to pay $9.99 each month for the membership if you want to utilize this app.


  • Special features. One of the biggest benefits of this lend and borrow app is the ability to receive notifications each time you are going to experience an overdraft. This way the app helps to keep track of your spending.
  • Customer support. Only this app has email customer support. On the other hand, the managers usually answer within two business days which might be too long.
  • Due date extension. This is another advantage of this money borrow app. Clients have an opportunity to extend the due date two or three times if necessary.


  • Slow money deposit. Borrowers will have to wait for about three business days to obtain the required funds. It may be too slow for urgent monetary disruptions and other emergencies.
  • Monthly fee even if you don't require a loan this month.


Chime is a financial technology company located in San Francisco that was established in 2013 with the goal of assisting users in avoiding fees and setting up automated savings. There are absolutely no costs associated with the service, not even overdraft or international transaction fees. Chime has more than 1 million open accounts and is one of the fastest-growing banks in the USA.

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Clients get a spending account, a savings account, a debit card, and a mobile app as part of the service, all of which are intended to provide customers more control over their finances.

The accounts are owned by The Bancorp Bank, and Chime operates as a non-bank banking service. For non-bank businesses, Bancorp offers private-label banking and technology solutions.


  • No recurring charges. Chime offers straightforward banking choices with no minimum balance fees and no monthly maintenance or service costs. Chime does not charge any fees for overseas transactions.
  • More than 60,000 surcharge-free ATMs. The nearest surcharge-free ATM in your area may be located via the map on your Chime app.
  • Payments via direct deposit might arrive up to two days early. Your salary-pay-period may be up to two days earlier if you set up an Early Direct Deposit with Chime. It's good to be paid early, even if the precise date varies per employment and may not be all that different from other direct deposit agreements.
  • No overdraft costs. Many conventional banks impose overdraft fees of up to $36. Customers who receive $200 or more in total monthly direct deposits are eligible for Chime's surcharge-free overdraft protection with SpotMe.


  • There are no multiple currencies in the client's account. You may only save and utilize US funds on this account.
  • Difficult to deposit cash. Only Chime's cash deposit partners at retail locations allow for cash deposits. A price might be charged for this service.

No actual branches exist. There are no physical branches on Chime. While this undoubtedly contributes to reduced prices, it presents a problem for clients who value face-to-face communication.


Small personal loans are offered by Possible Finance, a smartphone app-based personal lender, to borrowers with bad or no credit histories. Possible Finance takes into account more than just your credit score when evaluating your application.

The individuals who need to cover a little, unforeseen expenditure are most suited for Possible Finance's modest loans, which the company provides. An app called Possible Finance provides short-term payment personal loans of up to $500. Rates vary by state, but you could expect to pay $15 to $20 for every $100 borrowed. This results in an APR of around 91% or 122%.

You'll make four payments over the course of eight weeks to pay off your personal loan, which has a two-month duration. Once it is, Possible Finance will notify all three credit agencies of your repayments, which will help you establish credit if you make your payments on schedule.


  • Notifies important credit bureaus of payments. A string of steady, on-time payments on a Possible personal loan will raise your score for borrowers trying to establish credit. Be aware that your credit score may suffer if you are late on your payments. Alternatives like payday loans prevent you from raising your credit score.
  • It may help you develop credit. To help you develop your credit, Possible Finance reports repayments to all three credit agencies. If you make a late payment or default on your loan, this might also have a negative effect on your credit score.
  • Loan money to anybody. Even if you have a low credit score, it is irrelevant. Even if your credit score is low, you can still qualify for the loan, and if you make your payments on time, you may raise it. This is achievable because main American credit bureaus get repayment information from Possible Finance.


  • High Rates. Some potential loan APRs might go as high as 240%. Even a modest loan might be challenging to repay due to high interest-rates and limited payback periods. Most consumer advocates agree that reasonable loan rates shouldn't exceed 36%, which is lower than Possible's lowest APR.
  • Customer service choices are limited. Possible can only be reached by email. Nearly all other lenders also provide phone, post, or in-person help to email assistance.


Let's now examine Cleo, the AI budgeting and saving software that manages your money by using spending insights, costs, trends, and budgets to show you how much you can afford to spend and save.

Cleo is a fantastic budgeting software for millennials and Gen-Zers trying to take charge of their money, and some individuals may be better suited to alternative savings applications available, in the following paragraphs.

When it comes to providing savings and budgeting information, or even the action itself, like Cleo offers, more and more FinTech applications are going toward using AI. With more than 3 million users, it seems to be heading in the right direction and is developing more quickly than any similar program.

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  • Advance on salary. A $100 paycheck advance is a function that the app offers when it determines that you are going to get overdrawn, and I haven't seen it provided anywhere else so far. Surprisingly, there is no interest charged for this service, which makes it a valuable resource for preventing overdraft costs. The program promises it has no impact on your credit score and gives you 28 days to pay this back.
  • Utilization simplicity. A few minutes for the registration procedure.
  • Versatile and advanced. Using Cleo, you may discover right away if you have the resources to make a certain transaction. Ask Cleo whether you can afford it instead of sitting down and looking through your budget; its AI-powered suggestions may be helpful.


  • Consumer Assistance. On the Cleo website, there is a chatbot that you may use. This was really rather difficult to locate, and once it was, we were trapped in a series of planned questions that did not directly address the issue I had raised. There is no need for you to wait around while the chatbot responds, which may take up to 10 minutes. Instead, the responses are emailed to your email.
  • Too modern. Some people are hesitant to give Cleo their financial information.


Many personal finance applications focus on certain objectives such as conserving money, earning a high-interest rate, paying bills, and perhaps earning spending incentives. It might be difficult to find a platform that offers both banking and investment accounts.

This app is not one of them. Albert is a complex financial software that assists you in saving money, consolidating all of your accounts for a 360-degree picture of your financial life, lowering your costs, providing financial assistance, developing a tailored financial plan, and even guiding you in investing your money. It's like having three or four different financial applications on the same platform.

Albert does not have physical branches, but it does provide over 55,000 free ATMs around the United States. The Albert app can help you find the closest free ATM. The app has 4.7 ratings in the Apple App Store and 4.1 stars in the Google Play Store.


  • Advance on earnings. Albert may give you a cash advance of up to $250 if your wages are automatically deposited into an Albert account. Within three days of making the request, the money is put into your checking account. You return the loan at 0% interest when your next paycheck is deposited.
  • There is no obligation to pay a monthly fee. Albert's primary features are completely free to use. You may always add a tip to Albert Instant transfers if you think it's appropriate, but there's no need to pay a monthly fee for Albert Cash or savings.
  • Affordable one-on-one support. If you want to take particular steps toward a future financial goal, Albert's Genius function may help guide you with expert financial counsel. This one-on-one help is accessible for as little as $6 per month, allowing most customers to incorporate Genius platform support into their monthly family budgets.


  • There will be no long-term loans or credit lines. Albert does not currently provide long-term loans or credit lines. There are no auto loans, credit cards, student loans, or mortgages available here. Of course, this might change in the future.

Loan Apps vs Payday Loans 

Both payday lenders and paycheck advance applications deduct repayment from your bank account. If your account balance is insufficient when they remove money, you may be charged an overdraft fee.

An app may attempt to keep you from overdrawing your account. Before removing repayment, the app checks users' bank accounts. If repayment will reduce the amount to zero or negative, the app may refuse to take payments.

However, applications often include language in their user agreements stating that even if they make every effort not to overdraw your account, they are not liable if they do.

If you have a choice between an app and a payday loan, the app is usually the better option since it is less expensive, may not incur an overdraft charge, and will not send you to collections if you do not return it. But all said above depends on the offer you have chosen and your goals.

How Much Can I Borrow in Cash Advance App? 

The maximum amount in most cash advance loan applications is $500 and in some cases $1,000. Your credit limit might vary between $50 and $1,000.

It is calculated by using the lesser of the three-month qualifying direct deposit average or the total qualified direct deposits over the previous 35 days. Your credit limit computation may be influenced by the length of time your loan has been open.

If your direct deposit activity changes, your limit may vary. In most cases, you can be 100% sure that you will get smaller amount for which you do not need to check your credit score. You can even get a loan with bad credit score.

Borrow Cash Advance Apps Feature: Choose the Best One

There is a wide choice of money borrowing apps today. It may be tough to select the best option. However, if you review the mentioned features, compare all the benefits and drawbacks of each app, you will be ready to make a smart financial decision. 

Depending on your immediate cash needs, your credit rating, as well as your steady income source, you may choose between these top 9 cash advance apps. There is no one-size-fits-all app as everything depends on your monetary stability and urgent needs.

Borrow Responsibly

If you are also unprepared for financial disruptions and every new additional monetary need makes you feel frustrated and stressed out, choosing the best money borrowing app may support your urgent needs without delay.

There are many benefits of choosing an app to borrow money instantly instead of going to the local bank or pawnshop to get 1500 dollar loan. There is a wide variety of lending institutions in every city today. But you never know all the differences and nuances of each creditor.

Every potential borrower needs to understand that he or she takes full responsibility for the loan or cash advance they obtain. This cash shouldn't be taken for granted as this sum is only borrowed for the short period.

Also, long-term goals can't be covered with such small amounts of cash advances. Think about alternative ways of funding your long-term aims and needs or try to improve your earning potential.




Can you borrow money from a mobile app?

Cash advance apps are designed for borrowers who want to instantly get money on their bank account. Many apps offer appealing perks to account users and offer a borrow feature even if you have poor credit. Such apps charge interest percentages, late payment penalties, etc. A borrower must pay off the debt until the next paycheck.

What's the best app to borrow money?

All cash advance apps set different loan conditions and requirements. Some cash advance apps offer their services for free. Other apps offer lower interest rates or options with no overdraft fees. The essential thing you should do is find a reliable and reputable lender. We have mentioned the best loan apps above.

How can I borrow money and get it instantly?

Cash advance apps offer money within one day. However, most lenders allow you to get no more than $1 500 in qualifying direct deposits. To make loan apps safe for your financial matters, check your outstanding balance before the next paycheck. It will help you avoid fees for missed payments.

Which cash advance apps work with Chime?

Chime is a financial technology company that provides free mobile banking services. Among loan apps that work with it, you can find MoneyLion, Dave, Albert, and Cleo. All these cash advance apps allow up to $200 with no overdraft fees.

Can you borrow money from PayPal?

PayPal is a credit line available for debit card purchases in millions of stores. It allows small-amount loans with one affordable, fixed fee. The minimum credit line is $250. The APR varies with the market and now accounts for 26.24%.

Can I get a small online loan with the loan app?

Yes, online payday lenders provide small-amount loans. It is exactly what they are designed for. If you want to borrow more than $1,500, it is better to look for installment lenders or apply to a traditional financial institution.

How to borrow money from paychecks if you use loans app?

Many cash advance apps offer such services. You can apply for the money you have earned but haven’t received yet. The lender will withdraw the borrowed amount from your debit card after the next paycheck.

If I don’t have a bank account can I get a loan deposited on my app?

Cash advances are available for authorized app users who provide personal information, including debit card data. Some options allow loans without a bank account, but most providers of financial services set this point as a strict requirement.

How to borrow money from the app?

To get money from any money app, you need to download an application and sign up to create a profile. Learn loan terms and conditions because some apps charge additional fees. After it, fill in the loan short request form and specify your name, email, bank account data, employment information, etc. You will get your money within 1-2 days.

2 thoughts on “Apps That Let You Borrow Money Instantly Until Payday”

  1. I need to borrow $2500. Which app is more suitable? Do they accept poor credit?

    1. Among the apps that lend you cash, the first option (PayDaySay) is the one that offers the largest range of cash. You may receive up to $2500 for any purposes while other loan apps issue only a few hundred dollars. Poor rating is not a problem for alternative lenders and online apps that loan you money. So you can apply and get approved without delay.

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