Managing a lack of funds may be challenging, primarily when unforeseen costs crop up. Best cash advance in Idaho is a popular option for those seeking quick financial help. If you need money quickly before your next paycheck arrives, a cash advance app can be a lifesaver.
You can choose from various cash advance applications in Idaho, each with advantages and disadvantages. With information on interest rates, subscription fees, loan limits, and more, this article looks at Idaho’s top ten cash advance applications.
Top 10 Cash Advance Apps in Idaho
Beem
Beem is a financial app designed to help users manage money more efficiently. It offers features like budgeting tools, spending insights, bill reminders, and options for small cash advances to cover short-term needs. With its user-friendly design, Beem aims to make financial planning simple and accessible, especially for those looking to stay on top of everyday expenses.
Interest Rate
Instead of charging interest, Beem uses a subscription approach. This means users pay a fixed monthly fee to access the app’s financial services, including cash advances. This approach better explains the upfront cost of borrowing.
Subscription Fees
Beem offers various financial services, including cash advances, for a monthly subscription price of $3.99.
How Much You Can Get
Users can seek advances up to $200 depending on their income and eligibility.
Features
- Quick and hassle-free: Beem offers a quick and hassle-free way to access funds. In most cases, the money is available to you within minutes. This ease of access can give you a sense of reassurance, knowing that you have a reliable source of funds when needed.
- Budgeting Tools: Offer tools to help manage funds with expert assistance.
- No Credit Check: Your credit score will not be impacted because no credit checks are conducted.
Pros
- One of Beem’s key advantages is its clear and straightforward fee structure. You won’t have to worry about hidden charges or complicated calculations. This transparency can give you a sense of security, knowing exactly what you’re paying for.
- There will be no credit check regarding your credit history.
Cons
- Limited advance options.
- Infrequent users may find the subscription charge unreasonable.
Cleo
Interest Rate
While Cleo does not impose interest fees, express fees are associated with instant transactions.
Subscription Fees
Cleo has two pricing tiers: a free tier and a $5.99/month premium tier called Cleo Plus.
How Much You Can Get
Advances are available for first-time users from $20 to $100 and for recurrent users up to $250.
Features
- AI Support: Cleo provides budgeting and financial guidance driven by AI.
- Credit Builder: Users can develop credit using the Cleo Credit Builder Card.
- Automated Savings Features: Tools for saving money.
Pros
- No interest charges.
- Financial management tools that cover all bases.
- Assists in credit building.
Cons
- High fees for quick cash.
- New users are subject to limited advance amounts.
Also Read: Apps like Cleo – 9 Best Cleo Alternatives in 2025
Payactiv
Interest Rate
Payactiv does not use interest rates but has a tiny fee for each transaction.
Subscription Fees
There isn’t a subscription charge every month. However, a transaction fee of $1–$5 is adjusted for transfer speed. This fee is charged for each cash advance transaction, and the amount varies depending on how quickly you want the funds transferred to your account.
How Much You Can Get
Before their next paycheck, individuals who qualify can access up to half of their earnings.
Features
- Earned Wage Access: Accessing wages that have not been disbursed.
- Banking Guidance: Provides individual guidance in managing one’s money.
- Additional Services: include tools to help you save money and discounts on prescription drugs.
Pros
- Earned wages can lessen the need for loans.
- Reduced transaction costs.
- Extra resources for financial health.
Cons
- You can only withdraw up to your wage limit.
- To make the most of the benefits, employer participation is crucial.
OppLoans
Interest Rate
Interest rates charged by OppLoans can be greater than those of more conventional lenders.
Subscription Fees
Depending on the state, there can be an origination charge. Some lenders charge this fee to cover the cost of processing a loan. However, no subscription fees exist in most cases.
How Much You Can Get
Loan amounts might vary from $500 to $4,000, subject to state regulations and the borrower’s creditworthiness.
Features
- Higher Loan Amounts: You can borrow more money than with most cash advance applications.
- Credit Reporting: You can help strengthen your credit by reporting your loan information to all three main bureaus.
- Personal Service: Helps people out with personal loans.
Pros
- Larger loan amounts.
- Assists in credit building.
- Clear loan conditions.
Cons
- High interest rates.
- Possible to impose an origination fee.
Also Read: Loans Like OppLoans – 10 Best Alternatives for OppLoans
FloatMe
Interest Rate
FloatMe charges no interest; instead, there is a membership fee.
Subscription Fees
Paying $1.99 monthly gets you a membership.
How Much You Can Get
There is no fee for users to get advances up to $50, and expedited options are available for a fee.
Features
- Small Advances: Suitable for covering modest expenses.
- Overdraft Alerts: This may assist in avoiding overdraft fees.
- Easy to Use: No learning curve whatsoever.
Pros and Cons
Pros
- The monthly charge is relatively low.
- Easy access to smaller sums.
- Free of charge interest.
Cons
- Limited advance options.
- Faster service is available at an additional cost.
B9
Interest Rate
B9 does not charge interest on advances.
Subscription Fees
Pays a monthly subscription charge of $9.99 for access to premium features. These premium features may include higher advance limits, faster transaction speeds, or additional financial management tools.
How Much You Can Get
An advance of up to $300 can be made.
Features
- Early Access to Paycheck: Gives you funds before your paycheck arrives.
- No Credit Check: Get approved without worrying about how it will impact your credit score.
- Instant Transfers: The premium plan grants you instant access to your money.
Pros
- No interest charges.
- High advance limitations.
- Premium members get fast transactions.
Cons
- The subscription fee is relatively high.
- Access to premium features is limited.
Avant
Interest Rate
Personal loans from Avant are available with interest rates between 9.99% and 35.99%.
Subscription Fees
There is no monthly cost, but some processing fees can be associated with processing loans.
How Much You Can Get
Depending on your creditworthiness, you can get a loan between $2,000 and $35,000.
Features
- Large Loan Amounts: Apt for enormous outlays.
- Credit Reporting: Notifies the major credit reporting agencies.
- Flexible Repayment: Provides a range of options for paying back the loan.
Pros
- High borrowing limits are one of the advantages.
- Convenient ways to pay back the loan.
- Chances to improve one’s credit.
Cons
- High interest rates.
- Possible cost for administrative services.
Klover
Interest Rate
Cash advances from Klover do not incur any interest or fees.
Subscription Fees
Provides a free service with certain paid upgrades available as an option.
How Much You Can Get
Up to $225 can be borrowed by users at once.
Features
- Zero Interest: Pay no interest or late fees.
- Rewards Program: Earn points by participating in activities like surveys.
- Instant Access: Rapid fund transfers and approvals.
Pros
- No interest or hidden costs.
- Receive funds quickly and easily.
- Functionality for gamification and rewards.
Cons
- Limited advance amount.
- Paid features could be costly.
MoneyLion
Interest Rate
In the case of cash advances, MoneyLion provides 0% APR.
Subscription Fees
The MoneyLion Plus subscription costs $19.99 every month.
How Much You Can Get
Advances range from $25 to $250 based on membership and eligibility.
Features
- Financial Tracking: Provides comprehensive financial tracking capabilities.
- Credit Builder: Assists in raising your credit rating.
- Account Management: Provides access to investment management software.
Pros
- No interest in advances.
- Comprehensive resources for managing finances.
- Assets that help establish credit.
Cons
- Premium membership incurs a high monthly charge.
- Advances can only be made in tiny quantities.
Vola
Interest Rate
While Vola does not charge interest, there are fees linked to advances.
Subscription Fees
Depending on the plan, the monthly subscription charge might be anywhere from $2.99 to $28.99.
How Much You Can Get
There is a $300 advance available.
Features
- Overdraft Prediction: Avoid overdraft penalties with this helpful tool.Â
- Flexible Advances: Get the money you need within 1-2 days.
- Financial Insights: This tool gives valuable insights into your spending and saving patterns.
Pros
- No interest charges.
- Helpful financial knowledge and resources.
- Lending adaptable alternatives.
Cons
- Regular payments could add up quickly.
- Advance amounts are limited.
Conclusion on Best Cash Advance in Idaho
Among all the options mentioned above, Beem is the best choice for Idaho customers looking for a dependable and fast cash advance. Beem provides easy access to cash up to $1000, eliminating the need for credit checks and hidden fees.
Beem’s intuitive platform is ideal for handling urgent financial demands. It offers quick cash advances of up to $200, and its budgeting tools also help consumers be financially stable.
