Need cash fast? These apps can help.
Whether you're facing an unexpected bill, a mid-week cash crunch, or just want early access to your paycheck, cash advance apps like Albert make borrowing money quick and hassle-free. Unlike traditional payday loans with sky-high interest rates, these apps offer instant cash advances with little to no fees—often depositing money into your account within minutes.
In this guide, I’ll walk you through the best cash advance apps, how they work, and what you need to qualify. If you're looking for an easy way to bridge the gap between paychecks without getting trapped in debt, you’re in the right place. Let’s dive in.
Cash Advance Apps Like Albert for Instant Money
These cash advance apps that loan you money are all highly reviewed and legitimate. In a hurry? Here are the top loan apps for instant money.
- Best banking app: Current
- Best payday membership: MoneyLion
- Best for gig workers: Cleo
- Best for saving on overdraft fees: Brigit
1. Current: Best Banking App
Current offers a payday advance of up to $750 when you set up direct deposit, giving you access to your paycheck early without interest or hidden fees. The amount you qualify for depends on your deposit history and account activity, with advances automatically deducted from your next paycheck.
Unlike traditional payday loans, Current doesn’t require a credit check and offers instant transfers for premium members. To access the advance, simply enable the feature in the app, meet the eligibility requirements, and request funds as needed. It’s a simple, hassle-free way to get extra cash when you need it most.
- Get a paycheck advance of up to $750 without a credit check
- Unlimited access, advance as much as you qualify for, as often as you need
- No minimum balance or hidden fees, 100% free
- Claim a $50 bonus with code WELCOME50 and a $200+ deposit in 45 days!
Where to get it?
2. MoneyLion: Best Payday Membership
MoneyLion gives you 0% APR cash advances and low-interest personal loans while also helping you track spending, save money, and build credit. With over 2 million users, it’s designed for people who want financial flexibility without getting trapped in high-interest debt. Signing up is simple—download the app, open a free MoneyLion Core account, and get a debit card in about a week.
Once you fund your account and set up direct deposit of at least $250, you unlock instant cash advances with no fees or interest. For even more perks, upgrading to MoneyLion Plus gives you access to a 5.99% APR credit-builder loan, daily cashback, and exclusive rewards. If you’re tired of hidden fees and payday loan traps, MoneyLion might be worth checking out.
- The maximum advance is $500
- No interest. No monthly fee. No credit check
- Link your checking account to qualify for 0% APR cash advances
- No monthly fee for Instacash
Where to get it?
3. Cleo: Best for Gig Workers
Cleo is an AI-powered money assistant that helps you budget, save, and track spending without the hassle. Available on iOS and Android, the app makes managing money simple—just ask Cleo things like “What’s my balance?” or “Can I afford this?” and she’ll break it down instantly with personalized insights and spending updates.
Cleo can also automatically save your spare change and set a budget to keep you on track. If you upgrade to Cleo Plus ($5.99/month) or Cleo Builder ($15.99/month), you can get a cash advance of up to $100 with no credit check and no interest—perfect for avoiding overdrafts. Unlike traditional lenders, Cleo doesn’t require W2s or proof of employment, making it a solid option for gig workers needing a quick cash boost.
- Borrow up to $250 instantly with no credit check or interest
- Personalized tips on how you can save more
- Get help creating and sticking to a budget
- Costs $5.99 per month for Cleo Plus
Where to get it?
*First timers can usually qualify for $20 to $70 to start with. Once you pay it back you'll unlock higher amounts up to $100.
4. Brigit: Best for Saving on Overdraft Fees
Brigit gives you up to $250 instantly with no interest, no credit check, and no hassle. If your checking account balance is low, Brigit automatically spots you cash to cover upcoming expenses, helping you avoid overdraft fees that can add up fast.
Signing up is simple—just connect your bank account, and Brigit works with 15,000+ banks, including Chase, Wells Fargo, and Navy Federal. If you qualify, you get your cash advance immediately with no waiting period. It’s a solid option if you live paycheck to paycheck or just want a safety net for low balances.
- Tap to get an advance within seconds
- Get up to $250
- No credit check is required and no interest
- Pay it back without hidden fees or “tips"
Where to get it?
Final Thoughts
Cash advance apps like Current, Albert, Cleo, Brigit, and others can be lifesavers when you need quick cash without the high fees of payday loans. Whether you’re trying to avoid overdraft fees, get a small advance before payday, or just need a financial cushion, these apps make it easy to access money without credit checks or interest charges. Each app has different features, limits, and membership costs, so it’s important to choose the one that best fits your needs.
While cash advance apps provide short-term relief, they aren’t a long-term solution for financial stability. If you find yourself relying on them often, it might be time to look at budgeting strategies, side hustles, or better financial planning to break the cycle. But if you just need a little help making ends meet, these apps can be a quick and easy safety net when used responsibly.
