CashOnNow Not a Lender | For Informational Use
UPDATED MAY 2026

Best Cash Advance Apps 2026

Get money before payday with no credit check and no interest. We compared 6 top cash advance apps by limits, fees, and speed.

#1 Dave ExtraCashBest Overall
Up to $500
Monthly Fee
$1/mo
Max Advance
$500
Speed
Instant (free w/ Dave card)

Dave works with any bank account, no direct deposit required. $1/month membership. Best for users who need up to $500 without switching banks.

Get Dave →
#2 Chime SpotMeZero Fees
Up to $200
Monthly Fee
Free
Max Advance
$200
Requirement
$200/mo direct deposit

Chime SpotMe is completely free — no subscription, no interest, no delivery fee. Requires a Chime account with $200+/month in direct deposits.

Get Chime →
#3 EarninNo Subscription
Up to $750
Monthly Fee
Free (tips optional)
Max Advance
$750/pay period
Requirement
Regular paycheck + direct deposit

Earnin lets you access up to $750 of earned wages before payday. No mandatory fees — just optional tips. Requires consistent employment and direct deposit.

Get Earnin →
#4 MoneyLion Instacash
Up to $500
Monthly Fee
Free–$19.99/mo
Max Advance
$500
Speed
Instant with RoarMoney

MoneyLion offers up to $500 with no interest. Free tier gives $25–$250. Full $500 requires RoarMoney account. Best for users who want banking + cash advance in one app.

Get MoneyLion →
#5 BrigitBest Budgeting Tools
Up to $250
Monthly Fee
$9.99/mo
Max Advance
$250
Extra Features
Credit builder, budgeting

Brigit offers cash advances up to $250 plus credit building tools. Higher monthly fee but includes overdraft protection and financial insights.

Cash Advance Apps — Quick Comparison

AppMax AdvanceMonthly FeeCredit CheckBest For
Dave$500$1/moNoneAny bank user
Chime SpotMe$200FreeNoneChime users
Earnin$750FreeNoneW-2 employees
MoneyLion$500Free–$19.99NoneBanking + advance
Brigit$250$9.99/moNoneCredit building

Frequently Asked Questions

Dave is the best overall cash advance app — up to $500, works with any bank, just $1/month. Chime SpotMe is best if you want zero fees and already use Chime.
Earnin gives up to $750 per pay period. Dave and MoneyLion both offer up to $500.
Yes — apps like Dave, Earnin, MoneyLion, Brigit, and Cleo are legitimate, regulated, and safe. They charge no interest and perform no hard credit checks.
No — cash advance apps do not run hard credit checks and do not report to credit bureaus. Your credit score is unaffected.
Chime SpotMe and Earnin are completely free — no subscription fee. Dave charges $1/month. Brigit charges $9.99/month.