Best Cash Advance in North Carolina

Financial difficulties are a part of most people’s lives. Unexpected events can cause financial trouble, forcing you to seek quick solutions. This is where finding the best cash advance in North Carolina can help, as many people turn to these apps to get the necessary funds. These apps often provide a more accessible and affordable alternative to traditional payday loans, which are banned in the state.

This article will help you understand the landscape of cash advance apps in North Carolina, detailing their features, eligibility requirements, and fees. We’ve compiled a list of the top apps to help you make an informed decision and find the right one for your financial needs.

Top 10 Cash Advance Apps in North Carolina

Here are the top 10 cash advance apps available in North Carolina. Let’s take a look at these apps to understand their features better:

Beem

Beem is a financial technology app that offers a marketplace for loans and a cash advance feature called Everdraft™. It provides flexibility and convenience, but its primary function is connecting users with third-party lenders and its cash advance service.

Interest Rate 

Beem does not charge interest on its Everdraft™ cash advance. However, the third-party loans available through its marketplace may have interest rates ranging from 0.50% to 35.99% APR and other fees.

Subscription Fees 

Beem has different subscription models, starting at $0.99 per month and going up to $12.97 per monthly. The fee tier determines the features you can access.

How much can you get? 

With Everdraft™, users can get an advance of up to $1,000. Your verified bank deposits determine the amount.

Features

• No credit checks for the Everdraft™ cash advance.
• Flexible repayment options without rigid due dates.
• Access to a marketplace to compare other loan options.

Pros

• Interest-free cash advance.
• Offers a simple and user-friendly app.
• Provides flexibility without fixed repayment dates.

Earnin

Earnin is a popular Earned Wage Access (EWA) app that gives you early access to the money you’ve already earned. It’s an excellent option for people with a regular paycheck who want to avoid high-cost loans.

Interest rate

Earnin does not charge any interest rates.

Subscription fees

Earnin has no mandatory fees. Instead, it operates on an optional tipping model, where users can leave a tip for the service. Up to $5.99 for instant transfers is charged for its “Lightning Speed” program.

How much can you get?

Users can get an advance of up to $150 per day, with a maximum of $750 per pay period, depending on their earned wages and financial history.

Features

• No interest and no mandatory fees.
• No credit checks are required.
• “Balance Shield Alerts” notify you when your bank balance is low.

Pros

• No hidden or mandatory costs.
• High advance limits compared to some competitors.
• Provides tools to help manage your finances.

Cons

• Requires a consistent direct deposit schedule.
• Daily withdrawal limits may be low for some.

Also Read: Apps like Earnin – Top 20 Best Alternatives for Earnin

Chime

Chime is a mobile-first banking platform, not a cash advance app in the traditional sense. It offers a MyPay feature that allows eligible users to get a cash advance. Correction: The original text incorrectly states that Chime charges an APR and has a high interest rate. Chime’s MyPay feature is interest-free.

Interest rate

Chime’s MyPay cash advance is interest-free.

Subscription fees

There are no monthly fees for a standard Chime checking account.

How much can you get?

Eligible users can get a cash advance of up to $500 with the MyPay feature.

Features

• No late fees or hidden charges.
• Early direct deposit—get your paycheck up to two days early.
• It can help you build a credit history with the Chime Credit Builder Card.

Pros

• No interest is charged on the advance.
• No subscription fees for the basic account.
• Allows you to access a portion of your paycheck early.

Cons

The service is only available to Chime account holders who meet eligibility requirements.

Brigit

Brigit is a cash advance app that helps users avoid overdraft fees with an automatic advance feature. It’s a subscription-based service with a focus on financial health and budgeting.

Interest rate

Brigit does not charge any interest rates. 

Subscription fees

Brigit requires a paid membership to access cash advances. The monthly fee varies from $8.99 to $14.99, depending on your chosen plan.

How much can you get?

Brigit offers cash advances of up to $250, with no credit checks.

Features

• Automatic advances to prevent overdrafts.
• Budgeting tools and financial insights.
• Identity theft protection and credit monitoring.

Pros

• Quick access to funds.
• No interest or late fees.
• Includes a suite of financial management tools.

Cons

• Requires a monthly subscription to access the cash advance feature.
• The advance amount is limited to $250.

Also Read: Apps Like Brigit – Top 15 Best Cash Advance Apps of 2025

MoneyLion

MoneyLion provides a comprehensive suite of financial services, including banking, credit builder loans, and its cash advance feature, Instacash.

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

MoneyLion’s Instacash feature has a 0% APR.

Features 

• Offers financial tracking and credit-building tools.
• No credit check is required for Instacash.

Pros

• Interest-free advances.
• Higher advance limits are available with a RoarMoney account.
• Provides resources to help build your credit score.

Cons

• A high monthly fee is required to access the full range of features and higher advance amounts.
• Instant transfers come with a fee.

Empower

Empower is a financial app that offers a cash advance feature alongside tools for budgeting and saving.

Interest Rate 

Empower’s cash advance is interest-free if it’s repaid on time.

Subscription Fees

Empower has a monthly subscription fee of $8..

How much can you get? 

The maximum advance is up to $250.

Features

• Quick approval and funding.
• No credit checks are performed for the cash advance.
• Provides tools for budgeting and automated savings.

Pros

• Interest-free cash advances.
• Funds are typically available within a day.
• Offers useful financial tools to help you manage your money.

Cons 

• A monthly subscription is required.
• Late fees may apply if you don’t repay on time.

Dave

Cash advances are only one of many financial services that Dave provides. The Dave Spending Account and the ExtraCash™ feature make it easy for consumers to keep track of their money.

A high annual percentage yield (APY) on the Goals Account incentivizes saving, and a built-in side hustle gives you more ways to make money. Despite the low subscription price, Dave is a significant investment for effective money management because of all its features.

Interest Rate

Dave’s ExtraCash™ feature is interest-free.

Subscription Fees

Dave charges a monthly subscription fee of $1.

How much can you get?

Users can receive cash advances of up to $500 with no interest.

Features

• The Dave Spending Account offers early direct deposit and budgeting tools.
• No credit checks, interest, or late fees for the advance.

Pros

• Extremely affordable with a low monthly fee.
• Offers financial tools and side hustle opportunities.
• Widely used and highly rated.

Cons

• A monthly fee is required to access the advanced feature.
• A linked bank account and verified income are necessary for eligibility.

Vola

Vola is an app that provides cash advances and helps users avoid overdrafts with its prediction tools.

Interest Rate

Vola does not charge interest, but fees are associated with the service.

Subscription Fees

Vola offers a tiered subscription model, with monthly fees ranging from $2.99 to $28.99.

How Much You Can Get

Users can get a cash advance of up to $300.

Features

• Overdraft Prediction: Avoid overdraft penalties with this helpful tool. 
• 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.

Albert

Albert provides users with cash advances along with the tools needed to maintain better financial health and a plausible budget:

Interest Rate

They charge no interest fee but have an optional tipping service for the carrier’s services.

Subscription Fees

Albert has a “Genius” subscription tier that costs $4 to $6 per month,

How much can you get?

The advance reimbursement ranges from $0 to $250 per advance.

Features

• Users get instant funding, 
• No credit checks, 
• Assistance provided for saving plans and saving strategies 
• Professional consultations on financial matters.

Pros

• No interest rate is charged
• Fast access to the loan amount
• Convenient and versatile financial services.

Cons

Empower has a monthly subscription fee, and borrowers are only allowed a limited advance amount.

Current

Current is a financial technology company that offers mobile banking and a minor cash advance feature called Overdrive™. Correction: The original text mentions a $100 cap and premium accounts with a $4.99 fee.

The name of the feature is Overdrive™, and it has no fees. The original text also confuses the terms and fees with those of other apps.

Interest Rate

Current’s Overdrive™ feature is interest-free.

Subscription Fee

There are no fees for the Overdrive™ feature. The premium account costs $4.99 per month.

How much can you get?

The Overdrive™ feature provides an overdraft of up to $200 with no fees.

Features

• Get paid up to two days early with early direct deposit.
• Real-time spending insights and notifications.
• Overdraft protection of up to $200.

Pros

• Interest-free overdraft.
• No fees for using the Overdrive™ feature.
• Helps you avoid costly bank overdraft fees.

Cons

• The overdraft limit is relatively low compared to some cash advance apps.
• Only available to users with a Current account.

Conclusion on Best Cash Advance in North Carolina

Regarding cash advance applications in North Carolina, Beem is the best bet for price and ease of usage. You might have considered other cash advance apps over Beem. Still, Beem provides a convenient way for people who need money quickly without worrying about interest, subscription fees, or rigid repayment conditions. 

Beem users can access their verified bank deposits early using its Everdraft™ feature, which won’t affect their credit score. A safe cash advance is essential to maintain their credit score. Some lenders can do hard credit checks that tamper with your credit score.