It is not easy to manage unexpected expenses that should be met until the next payday. Not everyone has the savings to deal with such financial problems, and they may find a potential solution. Finding the Best Cash Advance in Massachusetts can provide quick financial relief in such situations. Cash advance apps resolve this problem by offering quick ways to access funds.
Numerous cash advance apps offer immediate funds in Massachusetts. This blog will discuss Massachusetts’s top 10 cash advance apps and their interest rates, subscription fees, cash advance limits, features, pros, and cons.
Top 10 Cash Advance Apps in Massachusetts
Here are the details of the top ten cash advance apps that can provide immediate funds in Massachusetts:
Beem
An Everdraft™ facility is provided by Beem’s Plus and Pro plan, which allows users to take 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.
Cons
A monthly subscription may not be ideal for infrequent users.
Vola Finance
Vola Finance allows you to select your bank to get the cash advance quickly without any interest rates.
Interest Rate
Vola Finance charges no interest rate for its cash advance feature.
Subscription Fees
Vola App charges between $9.99 and $28.99 per month for different plans, but there are no hidden fees besides the subscription fees.
How Much Can You Get
It provides immediate funding of up to $300 without any credit checks.
Features
- No interest fees.
- Flexible subscription plans.
- Educational resources for financial literacy.
Pros
- No interest.
- Multiple subscription options.
- No credit checks and a transparent subscription system.
Cons
- Higher subscription fees compared to some competitors.
- Lower. How much can you get.
SoLo Funds
SoLo Funds is a peer-to-peer lending platform that allows borrowers to request borrowing amounts directly from other borrowers. Once approved, the borrower receives the advance directly in their bank account.
Interest Rate
SoLo Funds charges no interest to borrowers. It may charge a fast funding fee of 1.75%.
Subscription Fees
SoLo Funds charges an optional tip of up to 15% of the advance and an optional donation of up to 9%. It also charges an Instant Withdrawal fee of 1.75%.
How Much Can You Get
It provides advances up to $575.
Features
- Peer-to-peer lending platform.
- Flexible terms set by lenders.
- Community-driven support.
Pros
- No subscription fees.
- Potentially lower costs due to the peer-to-peer nature.
- Community support element.
Cons
- Variable interest rates.
- Dependent on finding a lender.
SoFi Money
SoFi Money offers an online bank account for up to $50 without fees. It also offers credit card advances.
Interest Rate
SoFi Fee is either $10 or 5% per transaction, whichever is greater.
Subscription Fees
SoFi does not charge any account fees or service charges.
How Much Can You Get
Members may be able to take a cash advance up to 30% of their limit, not to exceed $5,000.
Features
- No hidden fees or charges.
- Overdraft coverage.
- High-yield savings account integration.
Pros
- No cost for advances.
- Integrated savings features.
- Overdraft protection.
Cons
- Limited to SoFi Money account holders.
Also Read: SoFi Alternative – 16 Best Apps like SoFi
Dave
Dave works with a slightly different approach, offering advances as a “float” on your next paycheck.
Interest Rate
Dave does not charge interest but provides an option to give a tip.
Subscription Fees
Dave charges a $1 monthly membership fee to give access to Dave’s advanced feature.
How Much Can You Get
Dave’s advances may vary and depend on your income and spending habits. It ranges from $50 to $100.
Features
- Easy advances.
- Budgeting tools.
- Side hustle recommendations.
Pros
- No interest fees.
- Optional tip system and Budgeting tools.
- Side hustle resources.
Cons
- Monthly membership fee.
- Relatively low maximum advance amount.
Varo money
Varo Advance can provide immediate funding of up to $500 affordably.
Interest Rate
Varo Advance charges zero interest rates to the borrowers.
Subscription Fees
A fee can be charged between $1.60 $40.
How Much Can You Get
The borrowers can get advances from $20 to $500.
Features
- Zero interest and affordable fees, making it accessible to many.
- Gives up to 30 days to repay.
Pros
- No cost for advances.
- Early paycheck access.
- 30-day repayment time.
Cons
- You must have a Varo bank account.
- Users cannot change the repayment dates.
- Subscription fees are high compared to some other apps.
Brigit
Brigit provides cash for emergencies quickly without any credit checks.
Interest Rate
Brigit does not charge interest on the cash advance feature.
Subscription Fees
Brigit charges a monthly subscription fee ranging from $9.99 to $14.99.
How Much Can You Get
Brigit provides instant funds in the bank account for up to $250.
Features
- No interest fees.
- Credit monitoring.
- Budgeting tools.
Pros
- Comprehensive financial tools.
- No interest on advances and no late fees.
- No credit checks.
- Includes credit monitoring.
Cons
- Lower advance limit compared to some competitors.
Also Read: Apps Like Brigit – Top 15 Best Cash Advance Apps of 2025
One@work
The ONE@WORK app is available to members currently employed at a company that offers the app as a benefit. It is a free employee benefit tool.
Interest Rate
One@Work charges no interest on advances since it is an employer-sponsored benefit.
Subscription Fees
Free for employees and provided directly by the employer.
How Much Can You Get
Employees can typically access a portion of their earned wages before payday, with limits set by the employer.
Features
- It is an employee benefit tool, providing numerous benefits to employees.
- It provides employees with payday advances.
- It provides automatic savings tools to increase employee savings.
Pros
- Employers bear the cost, and it’s entirely free for employees.
- It provides useful budgeting tools.
- It provides an earnings tracker to employees.
Cons
- Limited availability based on employer participation.
Aspiration
Interest Swiftness
Aspiration does not charge traditional cash advance interest but may include transaction-related fees.
Subscription Fees
Aspiration offers “Pay What Is Fair” plans starting at $0, with premium options around $7.99/month.
How Much Can You Get
Aspiration’s Spend & Save accounts may allow debit card users access to small advances or early paychecks, though exact limits depend on account activity.
Features
- Sustainable banking options.
- Cash back on debit card purchases.
Pros
- Supports eco-friendly initiatives.
- Cash back rewards.
Current
Current’s Paycheck Advance service offers a convenient and cost-effective way to access earned wages without interest or subscription fees.
Interest Rate
Current charges 0% interest on its Paycheck Advance service.
Subscription Fees
Current charges no subscription fees for using Current’s Paycheck Advance service. An optional Instant Access Fee may be applied for quick payment.
How Much You Can Get
You can access between $50 and $500 through Current’s Paycheck Advance service.
Features
- Funds are free within 1 to 3 days or instantly for a fee.
- It has flexible repayment terms and requires no subscription fees.
Pros
- No interest charges.
- No subscription fees.
- Fast funding option with Instant Access (for a small fee).
Cons
- Limited to $500 maximum advance.
- Must meet certain conditions for FDIC insurance to apply.
- Not available without a direct deposit history.
Conclusion on Best Cash Advance in Massachusetts
Individual financial needs decide the right cash advance option. Out of numerous options available in Massachusetts, those mentioned above are the top ten options providing immediate funds. These apps offer various features, such as no-interest advances, budgeting tools, and financial education resources, which can significantly assist in managing unexpected expenses.
For instance, Beem is a strong contender with its low subscription fees and higher cash advance limit, providing a versatile solution for those needing quick access to funds. Understanding each app’s unique offerings and benefits is essential to finding the best fit for one’s financial needs.
