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Best Cash Advance Apps To Stretch Your Money Until Payday in 2021

Published: (Updated: ) in Finance Advice by .

Every now and then there just isn’t enough in the bank to make it to the next payday. This is when some of the best cash advance apps can help.

When it comes to making ends meet, many people are falling a bit short every month. A big part of that has to do with the fact that minimum wage hasn’t kept up with the rate of inflation – in the slightest bit. And because of that, a huge chunk of Americans are finding it harder and harder to bridge the gap.

Due to this fairly wide financial discrepancy, the market for cash advances has soared. In fact, an average of one out of every 50 Americans uses cash advances at least once a year. That’s huge! Especially so when you consider how many fees are normally tacked onto these payday advances.

Because of this ongoing financial crisis, I wanted to find some of the best cash advance apps with minimal to no fees to help you make it to your next payday a bit easier.

Overview of the best cash advance apps 2021

App Amount you can withdraw When you can withdraw Fees
Earnin $100 Once per pay cycle Free
Empower Get up to $250¹ Once per pay cycle Free
Dave $100 Once until account is paid in full $1 per month
Brigit $250 Once per pay cycle $10 per month
Chime Full paycheck 2 days before normal payday Free
MoneyLion $250 Once per pay cycle Free
Varo Full paycheck 2 days before normal payday Free



Earnin was the first payroll advance app on the market, so it’s safe to say that it has been around awhile. Which means it has had time to grow and tweak its platform to serve people more effectively.

They are similar to Dave in that they will only allow you to take up to $100 cash advance per pay cycle. And, like Dave, they don’t charge you any fees or interest on this advance. Even though there is no fee for the service, they do have an option for you to add a tip to help keep the app running.

They also offer a few other great features on top of the standard cash advance option. Three of these include:

As if these weren’t already three helpful bonuses, there is one more great addition to the Earnin platform. The Earnin app can be used as a shopping app to help you earn cash back. If you do your shopping within the app and pay with your Earnin account, you can get anywhere from 1% – 10% back on your purchases.


Best Cash Advance Apps To Stretch Your Money Until Payday - Empower

Empower is another extremely diverse app with Cash Advance options. Like the other cash advance apps previously mentioned, this platform has a Checking Account built-in. But unlike the other aforementioned apps, their Checking Account is interest bearing. While 0.20% APY* might not be much, it’s still a heck of a lot better than nothing.

On top of having an interest-bearing Checking Account to use, Empower has one of the most robust budgeting apps out there, akin to how Personal Capital works. When you set up the budgeting portion of the app, you have a plethora of options to help customize the budget for maximum effectiveness. These options can include:


MoneyLion has the option to get one of the larger cash advances on the market, of up to $250. Should you need a payday advance, MoneyLion makes it very easy to get one through their app. When you log into their Instacash feature, you can choose how much money you need until your next payday.

But, MoneyLion doesn’t stop there. They have quite a few extra perks that most of the other cash advance app companies don’t have. Some of their most prominent features include:

They also have a cash back rewards program in the works to give you up to 12% back on purchases with your debit card. And, if you choose to go with their paid membership, then you get an additional option to help you invest. This investment fund has no management or trading fees and is fully managed, to help you begin planning for retirement.


Varo is known for their live customer service. They want to ensure that you have all of your questions answered and their expert assistance at your fingertips.

Varo is another mobile banking platform with the capability to get you your paycheck deposited up to two days earlier. Which is similar to a cash advance, without the fees or having to pay anything back.

As an addition to an easy-to-use platform, they offer quite a few other features that make their app enticing. Some of these include:

Even if you don’t choose to use all of the options available to you, Varo has so many choices that it can be difficult to even know where to begin. And that is where their live customer service can really shine.

How I came up with this list

This list of cash advance apps was a bit more difficult to create than I originally thought. The primary reason is that there are so many companies adding this feature recently. A lot of the apps mentioned have been around for a while and have been focusing on other areas of personal finance.

But, with the realization that so many of us are barely making ends meet on a monthly basis, adding a payday advance option to their platform only increases their diversity. So, I wanted to find apps that had a wide variety of other options besides just the ability to take out a cash advance. The hope here is that any of these options will create a more robust app to help you along your financial journey and not charge any excess fees along the way.

What to watch out for with cash advances

Even if a cash advance sounds like it might be a good solution to your temporary financial cash flow issue, there are some things to watch out for.

Expensive fees

Many cash advances come with hefty fees attached to them. The companies mentioned in this article do not, but reading the fine print is extremely important before taking out any kind of loan. Some of these fees can range between $10 to 5% of the loan, depending on the cash advance and the servicer.

High APR’s

High APR’s are another thing to really be careful with. While none of these companies charge an APR to take a payday advance, most others on the market do. And sometimes they can charge an APR of up to 400%. That is just crazy!

Continual use

If the fees and the ridiculously high APR weren’t enough to make you stop in your tracks, there is one other thing to seriously consider. When you take a cash advance, your next paycheck is reduced by that amount. Plus any fees or APR that may be tacked on. When you do this, you are shorting your future self money you might need to make ends meet during the next pay period.


Therefore, once you take one cash advance, it can easily create a downward spiral in which you will have to continue to do so. When this happens, it makes it so much harder to ever get back on the right side of the ship.

Most important features of a cash advance

If you are considering a cash advance to help you bridge the gap until your next paycheck, there are a few very important features to consider before pulling the trigger.

The amount you can withdraw

The amount you are allowed to withdraw will not be the same across the board. The amount you have available as an option for a payday advance may be based on a multitude of differing criteria. The most common numbers are between $100 – $250 per pay period.

When you can take a cash advance

When you will be allowed to take a cash advance can also vary. Some companies will allow you to qualify for one per month, whereas others are okay with one per pay period.

Associated fees

The fees and APR can also vary by company. None of the companies mentioned in this article have any fees or APR’s associated with their cash advances. But, if you choose to go with another company for a cash advance, make sure to read all the fine print regarding potential fees before signing on the dotted line.

Repayment terms

Not all repayment terms are created equally either. Some companies, like Brigit, will let you extend your repayment deadline. But, most companies have a specific time period designated for the cash advance repayment. So you will need to ensure you will have the money in your account by that date in order to repay the loan in full.

Cash advance alternatives

While taking out a cash advance can really help you make it through to the next payday, it still might not be enough. When this happens, it might be time to consider taking out a personal loan.

There are many different options to consider when it comes to taking out a personal loan. However, two of the best options are Credible and LendingTree.


Best Cash Advance Apps To Stretch Your Money Until Payday - Fiona

Fiona is a loan provider marketplace that offers many of your loan options all in one place. Fiona makes the loan finding process as easy as possible. All you need to fill out is a simple form that takes a matter of seconds, and you’ll see a list of some of the most reputable lenders with their offers perfectly tailored to your needs.

You can enter any amount you’re looking for and let Fiona know what your credit score is (they won’t run a hard pull on your score), and they’ll eliminated any lenders you may not qualify for.


Best Cash Advance Apps To Stretch Your Money Until Payday - CredibleCredible is another online marketplace for loan servicers to connect with consumers needing a wide variety of loans. These loans can include personal loans also. It is a quick and easy process to begin looking at the marketplace. And once you find a lender, or two, who have a personal loan with terms you can manage financially, then you will be connected to them through the Credible platform to complete the loan process.


Best Cash Advance Apps To Stretch Your Money Until Payday - LendingTreeLendingTree is one of the largest online marketplaces out there, so they have a ton of product offerings in any category. Currently, they have quite a few different loan offerings ranging from $1,000 – $50,000 and 5.95% – 34.98%. This is a pretty widespread, so chances are they will have a personal loan product that will work for you.

The biggest thing to remember when considering a personal loan on top of a cash advance is that you will only be perpetuating the cycle and can keep yourself in debt longer. So, if there is any other way, such as side hustles, to bridge the gap, then check into those options first.


For a significant percentage of people, making ends meet each month is a continual battle. While there are many options out there to help bridge the gap, a lot of them come with high fees and interest, which only keeps you in the monetary hole longer.

Instead, choose to go the cash advance route with one of the aforementioned companies, since these companies don’t charge fees or interest on any of their cash advances. Not only that, but each and every one of them has some additional perks to help make your life easier.

If you really want to utilize a diverse financial tool to assist with changing your financial future, then any of these apps can help. After all, the more help you have nailing down your budget and earning extra cash, the faster you can get out of the hole.



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Finance Advice 2021