Sudden expenses can be challenging and can arise at any time. This problem requires an immediate solution, and having access to quick cash is a potential solution. Finding the Best Cash Advance in Arizona can make a big difference for residents facing such situations. Cash advance apps provide this solution to many and offer fast access to funds without the struggle of traditional loans.
Numerous options are available in Arizona that can provide fast access to funds. They all have some common advantages, along with their own features, fees, and benefits. This blog will discuss Arizona’s top ten cash advance apps, their interest rates, pros and cons, etc.
Top 10 Cash Advance Apps in Arizona
Of the many options available in Arizona, these are the top ten cash advance apps that provide immediate Cash. Reviewing their features, pros, and cons is essential to understanding the right fit.
Beem
Beem’s Plus and Pro plan provides an Everdraft™ facility, which allows users to withdraw immediate funds from $5 to $1000 without any interest rate or income restrictions.
Interest Rate
Using this facility by Beem charges no interest rate, and the amount can be returned at the borrower’s convenience.
Subscription Fees
Beem charges subscription fees of $2.47, $5.97, and $12.97 for its Basic, Plus, and Pro plans.
How Much You Can Get
Using the Everdraft™ facility, borrowers can access up to $50, $100, or $1000, depending on the plan they have bought.
Features
- No Interest, no credit checks, and no due dates.
- The service is available through a monthly subscription fee.
- Funds can be accessed almost instantly after approval.
Pros
- No interest charges
- Instant access to Cash
- No income restrictions
- Transparent monthly fee
Cleo
Cleo can lend you up to $250 on the spot without any interest.
Interest Rate
Cleo charges no interest to borrowers borrowing through its cash advance feature.
Subscription Fees
Users need to pay $5.99/month for a Cleo Plus subscription to get instant funds up to $250.
How Much You Can Get
First-time users can obtain up to $100, and repeated borrowers can receive up to $250 for Cleo Plus users.
Features
- An AI Financial Assistant that offers budgeting and financial Advice.
- Advances are provided without interest.
- No credit checks.
Pros
- No interest charges
- Budgeting tools included
- Affordable subscription
Cons
- Lower borrowing limit
- Some users may find the monthly subscription unsuitable.
EarnIn
EarnIn’s cash-out feature allows you to access your pay within minutes.
Interest Rate
It charges no interest rates and no mandatory fees from its users.
Subscription Fees
EarnIn does not charge any subscription fees.
How Much You Can Get
Up to $100 per day or up to $750 per pay period
Features
- No Fees or Interest are charged.
- Real-Time Earnings and access to earned wages before payday.
- Balance Shield helps prevent overdrafts.
Pros
- No mandatory fees
- Higher borrowing limits
- Practical features like Balance Shield
Cons
- Tips can add up over time
- Requires direct deposit setup
Also Read: Best Cash Advance in Connecticut
LoanSolo
LoanSolo can provide loans from $2 to $1000 to employed US citizens.
Interest Rate
The interest rate may vary based on the lender and the borrower’s profile.
Subscription Fees
LoanSolo charges no subscription fees for lending or registration.
How Much You Can Get
It can provide funds from $100 to $1,000
Features
- Connects borrowers with multiple lenders.
- Flexible borrowing options.
- Quick Approval
Pros
- Competitive rates through lender comparison
- Quick access to funds
Cons
- Interest rates can be high
- Terms vary by lender
Chime – Mobile Banking
Chime’s MyPay feature allows borrowers to access quick funds without paying any subscription fees.
Interest Rate
Chime’s MyPay feature does not charge interest rates and requires no credit check.
Subscription Fees
Chime’s MyPay feature charges $0 per month but may charge an instant advance cost of $2 per advance.
How Much You Can Get
Users can get up to $500 through Chime’s MyPay feature.
Features
- No monthly fees or overdraft fees.
- Allows members to get up to $500 with no fees.
- Tools to help save money effortlessly.
Pros
- No fees
- Convenient banking features
- Overdraft protection through SpotMe
Cons
- Limited to Chime account holders
- Lower borrowing limit compared to others
Klover – Instant Cash Advance
The Klover app can provide cash advances directly to your bank account without credit verification.
Interest Rate
Klover charges zero interest fees or late fees from borrowers.
Subscription Fees
Klover charges no subscription fees from the borrowers.
How Much You Can Get
Klover provides up to $225 instantly.
Features
- No subscription is required.
- Truly free advances with no hidden costs like interest or fees.
- Financial Insights offers insights into spending and saving.
Pros
- No fees or interest
- Data-driven financial insights
- Easy to use
Cons
- Lower borrowing limit
- Give finds in a bank account only
Also Read: Apps like Klover – 15 Best Alternatives for Klover
MoneyLion
MoneyLion’s Instacash feature provides immediate funds of up to $500 to cater to immediate needs.
Interest Rate
No interest rate is charged while using the Instacash feature.
Subscription Fees
No subscription fees are charged for using the Instacash feature.
How Much You Can Get
Users can get up to $500 easily.
Features
- MoneyLion can help improve credit scores.
- Instant cash advances with no interest.
- No subscription fees for Instacash.
Pros
- No interest in advances
- Comprehensive financial tools
Cons
- Some features require a Credit Builder Plus membership
- Provided funds are comparatively lower than those of its competitors.
Albert
Albert focuses on financial management and helps people make uniform decisions.
Interest Rate
Albert’s instant overdraft coverage does not charge any interest rate to the borrowers.
Subscription Fees
Borrowers can buy an optional Genius subscription at $14.99/month, but it is not compulsory.
How Much You Can Get
Albert’s instant coverage can provide up to $250 without credit checks.
Features
- Automated savings feature.
- Instant Cash and advances up to $250 with no fees.
- Financial Advice and access to financial experts.
Pros
- No interest or fees on advances
- Financial advisory services
- No credit checks
Cons
- Subscription required for some features
- Lower borrowing limit
Varo Bank
Varo Cash Advance provides cash advances up to $500 easily to fulfill borrowers’ quick cash needs.
Interest Rate
Varo Cash Advance charges no interest rates and is very affordable.
Subscription Fees
It charges no subscription fees but can charge flat and straightforward fees based on the amount you borrow.
How Much You Can Get
The credit limit is initially $250; if users continue to bank and borrow, it will increase to $500.
Features
- No monthly fees or overdraft fees.
- Provides cash advances up to $500.
- No interest rates and affordable flat fees.
Pros
- Flat and simple fees
- Easily accessible
- No interest rates.
Cons
- Lower borrowing limit
- The amount has to be returned within 30 days after borrowing.
OppLoans
OppLoans can provide same-day funding with no hidden fees to cater to immediate needs.
Interest Rate
Opp Loans can charge between 160% to 179% APR(Annual Percentage Rate).
Subscription Fees
OppLoans charges no subscription fees from its borrowers.
How Much You Can Get
Borrowers can apply through the OppLoans website for an amount ranging from $500 to $4,000.
Features
- Large Loan Amounts that offer higher borrowing limits than most cash advance apps.
- Funds are available as soon as the next business day.
Pros
- Higher borrowing limits
- Fast access to funds
- Helps build credit
Cons
- Very high interest rates
- It is not a genuine cash advance. It is more of a traditional loan.
Conclusion About the Best Cash Advance in Arizona
Choosing the right cash advance app in Arizona to meet the specific needs and situation is essential. Borrowers seeking interest-free cash advances with a minimal subscription can opt for Beem, EarnIn, and Chime, as they offer competitive benefits. If someone wants a slightly higher amount, close to $1000 and above, Beem and Opploans are the best options.
Each platform discussed has unique features, pros, and cons, making it more important to understand each to get the perfect match. Understanding the services and options in the market can help make a calculated decision.
