Are you in need of immediate financial assistance but worried about your credit score? In the United States, there are several cash advance apps designed to help you access funds instantly without the need for a credit check.

These apps provide a quick and convenient solution for managing unexpected expenses. Below, we have highlighted a few apps that cater specifically to those looking for no-credit-check options.

Few Best Free Cash Advance Apps No Credit Check

If you are struggling with cash flow and don’t have anything in your hand by the time your salary is credited, these seven instant cash advance apps with no credit check can come to your rescue:

App	Features and Benefits	Cost
Beem	Borrow $10-$1000 instantly, no credit check, no interest rates, no due dates. Instant transfers & smart budgeting tools that help you save, spend, plan and protect your money.	Plans start at $2.47/month
MoneyLion	Borrow up to $250, No credit check, MoneyLion Core is free, The Credit Builder Plus Membership is $19.99/month	If you are above the age of 18 and have a steady income, you can use it.. You can’t use this app if you spend more than what you earn.
Brigit	Borrow up to $250, No credit check, Offers identify theft protection, Free and paid subscription plans, Instant cash with a subscriber plan for $9.99/month	Sufficient activity must take place in your bank account and your bank balance must not be $0 for you to use this account. You need to receive at least three deposits from the same source.
Dave	Get an advance of up to $500, No credit check, No waiting period, Monthly subscription fee of just $1, $13.99 plan for instant cash	This no credit check instant cash advance app can be used only when you receive recurring deposits in your bank accounts. Not just that, your monthly deposits must tally up to a minimum of $1,000 to qualify for this app.
EarnIn	Withdraw small amounts from $100 to $750, No mandatory fee, No need for a clean credit score, Tracks work hours, Subscription between $0.99 to $3.99 for immediate access to funds	If you are a freelancer or a self-employed person, then this isn’t the right option for you as it tracks your work hours diligently before accepting your request. If you are an employed person, then you will have to submit your timesheet and submit their work email ID.
Empower	Loan amount between $10-$250, No credit check, 14-day trial period, Offers budgeting tools, Reimburses overdraft fees	This is not a free app. You will have to subscribe for $8. You also have to pay an instant delivery fee ranging between $2 to $8. This instant delivery fee depends on how much money you have requested from the app.
Payactiv	Funds up to 50% of your paycheck, No credit check, Improves employer’s financial help, Discounts on certain purchases	If you have opted for a direct deposit of your paycheck into your Payactiv card, then the app is free for you. If you don’t have direct deposit, then you will have to pay a subscription fee of $1.99.

1. Beem – Cash Advance & Banking App

Beem is a modern financial app designed to simplify everyday money management while providing smart, accessible cash advance features. Built for users who want flexible access to funds without the hassles of high-interest loans or hidden fees, Beem integrates intuitive banking tools with transparent cash advances, helping users bridge short-term cash gaps responsibly.

One of the key benefits of Beem is its fee-free cash advance option, allowing eligible users to get a portion of their upcoming pay early, without typical payday loan traps. This feature helps users tackle unexpected bills, manage tight cash flow, and avoid overdraft fees.

Beem also offers a secure digital wallet where you can track spending, set budgets, and view real-time transaction history. The app enhances financial control with automated savings tools, encouraging users to build healthy saving habits effortlessly.

Users frequently praise Beem for its fast approvals, transparent terms, and user-friendly interface. Many reviews highlight the app’s ability to deliver funds quickly when needed most, as well as its clean design that makes banking less intimidating. Positive feedback often mentions responsive customer support and clear guidance through financial decisions.

Overall, Beem stands out as a practical, modern solution for anyone seeking flexible cash access and smarter everyday banking, all in one reliable app.

Features & Benefits:

• The money you can lend starts from $20-$1000. All in an instant. You don’t have to wait for approval. You just have to request the money from the app and then withdraw it into your bank account or debit card. You can also withdraw the money into a gift card of your choice.
• If you maintain an active subscription, you can keep unlocking higher amounts. 
• Visa, MasterCard, Prepaid Cards, and Gift Card owners can instantly receive cash. 
• You also get 20% cash back on your credit and debit card purchases on groceries, restaurants, and other retailers.
• All of the plans include a $1M insurance related to Identity Theft Protection, Credit Monitoring, Dark Web Monitoring, and more.

Advance Amount	$5 – $1,000
Fees	$0 – $4 (depending on withdrawal method)
Repayment	No due date, automatically deducted from future deposits
Time to Fund	Varies
Direct Deposit Required	No (uses verification of existing bank deposits)

Cost: Plans start at $2.47/month. 

Who can use it: The Beem app is available only in the US. The candidate must be above 18 years of age and must be employed. You don’t need to have a steady job to qualify. Self-employed personnel, contract, and gig workers can easily apply too. 

Pros	Cons
No direct deposit required	Repayment comes from future deposits
Potentially lower fees	Uncertain funding speed
No interest charged	Subscription fees for advanced features
Early access to your money	Limited advance amount

Play store ratings:

3.9star

14.9K reviews

1M+Downloads

Apple store ratings:

On the Apple App Store, Beem has an average rating of about 4.1 out of 5 stars from around 24,000 ratings, indicating generally positive feedback from many users on that platform. Positive reviewers often appreciate features like instant access to funds, credit-building tools, and its suite of financial management features.

2. MoneyLion

If you are financially stressed, then MoneyLion is another safe instant cash advance app with no credit check whatsoever. You can get up to $250 here. It’s a convenient way to get funds instantly. However, the interest rates are quite high compared to other instant cash advance apps. 

Features & benefits:

• MoneyLion’s Instacash lets you borrow a portion of your income. 
• You can also tip the company for their service. This tip is optional.
• It takes 5 days for you to receive the money you requested.

Pros	Cons
Build credit score (with certain features)	Requires direct deposit
Multiple cash advance options	Monthly subscription fees
Free budgeting tools	Potential inactivity fees
Referral bonuses	Lower advance limits for free users

Cost: MoneyLion Core is free. The Credit Builder Plus Membership is $19.99/month.

Who can use it: If you are above the age of 18 and have a steady income, you can use it.. You can’t use this app if you spend more than what you earn. 

Advance Amount	Up to $250
Fees	Optional membership ($1/month) or instant advance fee
Repayment	Automatically deducted from next paycheck
Time to Fund	instant
Direct Deposit Required	Yes

Play store ratings:

4.5star

1.14L reviews

50L+Downloads

Apple store ratings:

 4.7 • 121.8K Ratings

3. Brigit 

Brigit is an app with instant online cash advances with no credit checks. It offers small paycheck advances similar to MoneyLion money borrow app. It gives up to $250 along with other credit-building features.

The main drawback of this cash app is that you have to wait at least 60 days for your account to get verified. Furthermore, you will have to wait for more than 2 days to receive the money if you are not a subscriber. 

Features & benefits:

• The money you borrowed will automatically get deducted when you receive your paycheck.
• Offers identify theft protection.

Pros	Cons
Flexible advance amounts	Requires direct deposit
Free budgeting and financial planning tools	Subscription fee
limited amount	Lower advance limits for free users
No hidden fees	May not be available in all areas

Cost: You have both a free and paid subscription plan. You receive instant cash only when you opt for a subscriber plan for $9.99/month.

Who can use it: Sufficient activity must take place in your bank account and your bank balance must not be $0 for you to use this account. You need to receive at least three deposits from the same source.

Advance Amount	Up to $250
Fees	Optional tips (subscription available)
Repayment	Due by next payday (flexible options)
Time to Fund	instant
Direct Deposit Required	Yes

Play store ratings:

4.7star

181K reviews

5M+Downloads

Apple store ratings:

4.8 • 285.6K Ratings

4. Dave 

No credit check is needed when you download the Dave instant cash app. You can get an advance of up to $500. No waiting period and no over-the-top and lengthy sign-up process happens. You don’t have to wait for your account to get verified either. 

Features & benefits:

• If you fail to repay them on time or don’t have sufficient balance in your account for longer periods of time, you will be slapped with an over-drafting fee of at least $35.
• Your bank account must be at least 60 days old to qualify.

Pros	Cons
No overdraft fees	Requires direct deposit
Free cash advances	Monthly subscription fee
Side hustle opportunities board	Lower advance limits for free users
Budgeting tools	Not in all location

Cost: The Dave instant cash advance online with no credit check has a monthly subscription fee of just $1. If you want to receive cash within an hour, then you will have to upgrade to their $13.99 plan. 

Who can use it: This no credit check instant cash advance app can be used only when you receive recurring deposits in your bank accounts. Not just that, your monthly deposits must tally up to a minimum of $1,000 to qualify for this app. 

Advance Amount	Up to $500
Fees	Optional tip ($1-$100)
Repayment	Due by next payday (extensions available)
Time to Fund	instant
Direct Deposit Required	Yes

Play store ratings:

5.0star

516K reviews

10M+Downloads

Apple store ratings:

4.8 • 678.5K Ratings

5. EarnIn

EarnIn instant cash app with no credit check that requires access to your bank account. You can withdraw small amounts from $100 to $750. There is no mandatory fee and no need to have a clean credit score either. 

Features & benefits:

• EarnIn tracks the time you spend at work. It will track your work hours and then if the app thinks you can now apply for money, it will let you access up to $100. 
• This work hour verification could take up to 15 minutes. 
• You can choose to tip somewhere between $1 to $14. This tip is optional. 

Pros	Cons
Earn wages as you work	Requires direct deposit of qualifying income
Tip-based fee system	Lower advance limits
No hidden fees	Location specific
Real-time balance tracking

Cost: If you want immediate access to funds, then you will need to subscribe. This subscription can be anywhere between $0.99 to $3.99. If you haven’t subscribed, then it will take at least 3 days for you to receive the funds you requested. 

Who can use it: If you are a freelancer or a self-employed person, then this isn’t the right option for you as it tracks your work hours diligently before accepting your request. If you are an employed person, then you will have to submit your timesheet and submit their work email ID. 

Advance Amount	Up to $750
Fees	Optional tip
Repayment	Automatically deducted from next paycheck
Time to Fund	instant
Direct Deposit Required	Yes

Play store ratings:

4.6star

234K reviews

5M+Downloads

Apple store ratings:

 4.7 • 276K Ratings

6. Empower

The Empower instant cash advance online with no credit check isn’t free. It only has a 14-day trial period. The loan amount you can take can be anywhere between $10-$250. No credit check is done. 

Features & benefits:

• It offers budgeting tools.
• If any cash advance repayment causes an overdraft fee, then empower will reimburse that money. 

Pros	Cons
Higher cash advance limits	Requires direct deposit
Two-day early paycheck access	Monthly subscription fee
Auto-save and budgeting tools	Potential fast-funding fees for instant advance
Cash-back rewards	Location specific

Cost: This is not a free app. You will have to subscribe for $8. You also have to pay an instant delivery fee ranging between $2 to $8. This instant delivery fee depends on how much money you have requested from the app.

Who can use it: You need to be above the age of 18 and have a bank account that is at least 30 days old.

Advance Amount	Up to $250
Fees	Subscription fee ($8/month) or free advance with instant transfer fee
Repayment	Automatically deducted from next paycheck
Time to Fund	Up to 1 business day (free) or instant with fee
Direct Deposit Required	Yes

Play store ratings:

4.7star

155K reviews

1M+Downloads

Apple store ratings:

4.8 • 168.7K Ratings

7. Payactiv

Payactiv is a no credit check instant cash advance app that not only lets you borrow money but also helps you pay bills through the app. You can get discounts on certain purchases as well. It funds up to 50% of your paycheck.

Features & benefits:

• It improves an employer’s financial help by providing cash whenever necessary.
• You can redeem the earned discounts directly on the app. 

Cost: If you have opted for a direct deposit of your paycheck into your Payactiv card, then the app is free for you. If you don’t have direct deposit, then you will have to pay a subscription fee of $1.99. 

Pros	Cons
Access earned wages before payday	Often requires working for a participating employer
No interest charged	May have fees associated with transfers
Budgeting tools and financial education	Advance limits may be tied to pay cycle
Potential for paycheck advances even without direct deposit	Limited availability for non-employer users

Who can use it: This app is best suited for proper employees whose employers are also using this app.

Advance Amount	Up to $500 (with Early Access)
Fees	Free account with express funding fee
Repayment	Automatically deducted from next paycheck
Time to Fund	Up to 2 business days (free) or instant with fee
Direct Deposit Required	Yes

Play store ratings:

4.3star

26.4K reviews

500K+Downloads

Apple store ratings:

 4.8 • 46.7K Ratings

Conclusion

With the help of these fast-funding andcash advance with no credit check instant approval apps, you don’t have to stress over your finances anymore.

You can borrow money and repay them as your paycheck arrives. Rest assured these loan apps are reputable money-loaning apps and are safe to use. 

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