5 Best Cash Advance Apps of 2024 With No Credit Checks

The innovative apps that we compare in this guide offer a unique solution for getting money in advance — without the hassle of hard credit checks or the burden of interest payments.

We will take you through the five best cash advance apps that do not require credit checks to qualify. We also explore the secured credit builder cards that are often included with the app. These services report your positive credit history to major bureaus, paving the way for your financial growth while avoiding the pitfalls of traditional debt.

What You Need To Know About Cash Advance Apps

In contrast to conventional borrowing methods like credit cards or personal loans, cash advance apps don't charge interest rates for borrowing. Some enable you to build reserve balances, serving as collateral for secure loans, while others may levy subscription fees, instant transfer charges, or ask for optional tips.

By monitoring your income and spending habits, these apps can determine the highest cash advance for which you qualify. The following companies listed don't impose interest rates, overdraft fees, minimum balances, or credit checks!

1 — Dave ExtraCash™

Dave members don't need a credit check to use the ExtraCash™ service to get a $500 cash advance transferred immediately to your account, also free of interest charges or late fees. You can spend the money on anything you need, from gas to groceries to rent.

• Advance amount: Up to $500 per pay period
• Processing time: 2-3 banking days. Instant feature expedites the process for $0.99-$3.99
• Repayment date: Your next payday
• Membership fee: $1 per month

You should have at least three regular deposits to be eligible. You can enhance your eligibility when you link your bank and have a 60-day account history of positive balances. A consistent income history and responsible spending habits will also improve your profile. You can increase your advances by having a total monthly deposit of $1,000 or more.

Features of Dave

Like other apps on this list, Dave offers a function to get paid up to two days earlier than your traditional bank if you set up a qualifying direct deposit. You can track your spending habits on the app. Like Chime® and Brigit, you'll access a large portfolio of businesses that offer gig work for you to earn a side hustle, making it another great reason to have as your personal finance side kick.

More info: read our Dave comparison guide or visit the Dave website
FDIC-insured parter: Evolve Bank & Trust, Member FDIC

2 — Current Overdrive

Without running credit checks on you, Current offers the Overdrive™ feature, granting access to up to $200 without incurring overdraft fees.

• Advance amount: Between $25 to $200
• Processing time: Immediate
• Repayment date: Within 60 days.
• Membership fee: None

To be eligible, you must receive $500 or more in qualifying deposits into your current account within the past 30 days:

Features of Current

Beyond its overdraft feature, Current boasts saving pods with competitive APY rates, a credit builder card, and the opportunity to receive your salary up to two days earlier. Current offers a points program for spending at participating merchants, and it doesn't impose any monthly fees. Additionally, Current presents a robust network of 40,000 fee-free ATMs and the convenience of depositing paper checks.

More info: read our in-depth Current review or visit the Current website
FDIC-insured parter: Choice Financial Group, Member FDIC

3 — Brigit Instant Cash

Brigit's Instant Cash feature offers a $250 cash advance without the need for credit checks for qualifying Plus members. Plus members can access Brigit's cash advances, fee-free overdrafts, and credit builder. Brigit's free plan comes with financial planning tools to monitor spending and a marketplace for opportunities to earn extra income.

• Advance amount: Up to $250
• Processing time: 2-3 banking days. Instant feature expedites the process for $0.99-$3.99
• Repayment date: Flexible due date that aligns with income schedule
• Membership fee: $9.99 per month for Plus

Brigit works by integrating with your primary bank accounts. As long as it can confirm that your account has been active for at least 60 days, has a balance above $0, and has 3 recurring deposits from the same source, you may be approved for a cash advance.

Features of Brigit

One other great aspect about Brigit is that it is open to US residents, not just US citizens. If you are an immigrant with US residency, Brigit may the most accessible option on this list. Like Chime® andDave, you'll get access to a catalog of side gigs that you can choose from to get some extra income.

More info: read our Brigit comparison guide or visit the Brigit website
FDIC-insured parter: Coastal Community Bank, Member FDIC

4 — EarnIn Cash Out

EarnIn has their "Cash Out" feature, which allows you to access up to $750 per month of your pay early (eligibility based on your hourly wage), with a daily limit of $100. EarnIn doesn't need to run a credit check. Instead, to access this feature, you must verify your income and employment.

• Advance amount: Up to $750 per pay period
• Processing time: 1-2 banking days. "Lightning Speed" feature expedites the process for $0.99-$3.99
• Repayment date: Your next payday
• Membership fee: None

Instead of transferring funds to your main bank, you can also use their EarnIn Card, a Visa contactless card. This card enables immediate access to your earnings, allowing you to spend up to $1,500 per day. You can also take a no-fee cash advance of up to $300 per day from an ATM using the card.

Features of EarnIn

EarnIn also offers a credit monitoring feature at no cost. This service also doesn't involve hard or soft credit pulls. Unlike some others, EarnIn does not offer features like savings, rewards, roundups, or cash back.

More info: read our EarnIn comparison guide or visit the EarnIn website
FDIC-insured parter: Evolve Bank & Trust, Member FDIC

5 — Klover Balance Advance

You don't need a credit check to qualify for Klover's advances up to $200. Instead, you'll need three consistent direct deposits from your employer.

• Advance amount: Up to $200
• Processing time: 3 business days. Express fee up to around $12.
• Repayment date: Set within the app
• Membership fee: $3.99 per month for Plus

Features of Klover

In addition to cash advances, Klover has a points rewards program and useful budgeting software. However, we were turned off by their lack of transparency when it came to the Express fee to expedite the cash advance transfer. We were unable to find a clear fee schedule anywhere on their website or terms and conditions. They also make money by gaining insights from your data, which we know can be a concern for many customers these days.

More info: read our money borrowing comparison guide or visit the Klover website
FDIC-insured parter: Blue Ridge Bank, N.A., Member FDIC

Recap on Cash Advance Apps With No Credit Check

Cash advance apps without credit checks have emerged as practical solutions for managing emergency expenses when funds are tight before payday. These apps are designed to provide a financial buffer, helping you avoid the penalties associated with overdraft fees.

However, just remember that these advances are not a form of interest-free debt. You are still required to repay the borrowed amount, and failure to do so can lead to consequences such as account closure or other forms of retribution from the service provider. While these apps can serve as helpful tools in times of need, they shouldn't considered a substitute for responsible financial management.

The ideal approach, in our view, is to cultivate good credit habits. You can even use a credit builder card or debit card that build credit. These tools not only help in fostering financial discipline but also offer the potential to improve your credit score over time, paving the way for a more secure financial future.