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 $5-$1000 instantly, No credit check, No interest rates, 20% cash back on groceries, restaurants, and other retailers, $1M insurance related to Identity Theft Protection, Credit Monitoring, Dark Web Monitoring | 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
Developed by Beem – A Public Benefit Corporation based in the US, Beem doesn’t function like a typical loan app. It’s just like borrowing money from a friend.
Except that your friend here is an instant cash advance app with no credit check, which means they don’t run a check on your creditworthiness to determine whether or not you are eligible for this loan. Check out Beem’s Everdraft feature for an instant cash advance of $5 – $1,000. That’s why this loan doesn’t impact your FICO score either. Furthermore, no interest rates are charged for the money you lend from Beem.
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:
4.3 out of 5
21.3K Ratings
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 and cash 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.
