Cash Advance Apps That Don’t Use Plaid

Cash advance apps make the user experience more efficient by avoiding Plaid. Therefore, we have compiled a list of popular cash advance apps that don’t rely on Plaid to help you make an informed financial decision.
Cash Advance Apps That Don't Use Plaid
Cash Advance Apps That Don’t Use Plaid
Apps that provide cash advances but don't use Plaid do so for good reasons, like improving the customer experience and increasing confidence. Here are the top cash advance apps that do not depend on Plaid.
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Plaid is a software integration that streamlines the process of linking your bank account with popular third-party payment apps. It employs advanced encryption algorithms to safeguard your data and is thus deemed safe. 

However, in 2022, it was fined $58 million and ordered to alter its business methods after facing class-action lawsuit accusations of stealing consumers’ bank login information in 2020. Even though most cash advance apps employ it, a few still need to.

Even though Plaid has denied the offense and agreed to store less data, you might be better off using a payday loan app that isn’t connected to Plaid. We have compiled a list of five alternative cash advance apps that do not depend on Plaid.

Popular Cash Advance Apps Without Plaid

Many popular cash advance applications employ Plaid, a third-party financial data aggregator that connects bank accounts to apps. Although Plaid is safe and secure, some customers prefer to keep their financial information private from third-party apps. The popular ones are –

App NameKey FeaturesConsiderations
B9 AdvancePlaid-free, user-friendly interface, flexible repayment, rapid approval, transparent feesMay have higher fees than some alternatives
CashMasterPlaid-free, flexible budgeting, real-time tracking, secure, efficient expense managementLook into their specific security measures
DailyPayPayroll on demand, no Plaid needed, budgeting/savings tools, instant transfers, transparent feesMay have daily transfer limits
Dave ExtraCashQuick cash, no Plaid, low-fee advances, low balance alerts, simple repaymentEligibility may be stricter than some

1. B9 Advance

b9 logo

With its fresh take on lending that doesn’t depend on the Plaid platform, B9 Advance stands out as a prominent player in financial technology. It has become a popular cash advance app. 

B9 Advance gives customers an alternate way to get cash advances without going through Plaid, a popular financial services API. Let’s take a closer look at what makes it stand out and why it is a good option for people who want financial flexibility but want something other than Plaid integration.

b9 features

Plaid-Free Accessibility

B9 Advance stands out due to its ability to function independently of Plaid integration. Plaid provides safe access to users’ financial data for numerous banking apps. But B9 Advance is taking a different track.

It guarantees that customers can get cash advances even if they don’t have Plaid accounts linked. For consumers wary of disclosing their financial information to unaffiliated parties, this autonomy means a more simplified and safe experience.

User-Friendly Interface

B9 Advance’s user-friendly interface makes the cash advance process simple and efficient. Ensuring that persons with varied degrees of technological ability can operate the app effortlessly, the software is built to appeal to a diverse user base. 

B9 Advance ensures a seamless user experience from when you log in until you receive your cash advance. This is one reason why it is so popular among people who want easy financial solutions.

Flexible Repayment Options:

Recognizing the importance of offering users a range of repayment options, B9 Advance recognizes the value of flexibility in financial transactions. Borrowers can alleviate the burden of set and inflexible payment schedules.

Users can select repayment plans that are compatible with their financial capacities. Because of this adaptability, B9 Advance is a cash advance app prioritizing customers.

Rapid Approval Process

B9 Advance knows that getting a cash advance can be stressful and time-sensitive, so they offer a rapid approval process. Using technology, the app’s quick approval procedure quickly evaluates and approves qualified borrowers. 

Customers’ urgent financial needs can be met immediately because this feature guarantees fast fund availability.

Transparent Fee Structure

When it comes to financial transactions, transparency is vital, and B9 Advance delivers on this front. Users are given all the information they need regarding the fees for their cash advances up front, which helps to avoid any unpleasant surprises and builds trust. 

Responsible and ethical financial services are now expected, and this dedication to transparency aligns with those expectations.

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2. CashMaster

cashmaster logo

CashMaster provides a Plaid-free alternative for customers seeking safe and effective cash management solutions to stand out in the crowded financial technology market. This software prioritizes simplicity and user freedom by allowing users to handle their funds without needing a Plaid connection. Its essential features are mentioned below.

Independent Financial Management

By omitting Plaid from its integration, CashMaster gives its users a unique and autonomous financial management experience. Users can use the app without linking their accounts with Plaid, which ensures a secure and fast way to handle their money.

cashmaster features

Flexible Financial Resources

CashMaster offers customizable budgeting solutions because it understands the importance of individualized financial planning. Customers can take command of their spending and savings by customizing their budgets to match their personal financial goals.

Real-time Transaction Tracking

One of CashMaster’s primary goals is to keep its customers up-to-date on their financial activities by offering real-time tracking. The app’s ability to log transactions in real-time allows users to monitor their income and expenses easily at any time. Users are encouraged to have a healthy relationship with money and to manage their funds wisely with the help of this app.

Protecting Users’ Information

CashMaster takes the security of its users’ financial information very seriously. The program employs robust authentication and encryption methods instead of relying on Plaid to prevent important information from falling into the wrong hands.

Efficient Expense Management

The software streamlines your expense management by giving you powerful options to categorize and monitor your expenditures. Users can quickly determine where their money is going, what they’re spending it on, and how to make wise financial decisions.

3. DailyPay

dailypay logo

Here, we’ll review how DailyPay is changing the game regarding payroll access. What makes DailyPay a revolutionary payroll access service is the Plaid-free option it gives its users for quick access to their money. This tool eliminates the need for regular paycheck cycles while giving people more leeway and freedom over their income.

Payroll on Demand

DailyPay’s innovative feature allows users to access their earnings conveniently, breaking away from the conventional payroll cycle. This feature gives customers financial independence. They can take care of their immediate financial needs without worrying about when their next payment will arrive.\

dailypay features

Differentiation from Competitors

DailyPay stands out since it doesn’t depend on Plaid to access financial data. To ensure the safety and privacy of personal information, consumers can enjoy the advantages of on-demand payment without linking their accounts through third-party networks.

Budgeting and Savings Tools

These tools are part of DailyPay because we know how important it is to plan for our finances. These elements have been thoughtfully built to aid customers in saving money and creating budgets. To attain financial stability, users can effectively manage their accounts, set savings goals, and make decisions using reliable information.

Make Instant Transfers

A feature that DailyPay includes for the convenience of its users is the option to make instantaneous transfers. Users can quickly transfer their profits to their preferred accounts, giving them rapid access to money anytime needed.

Transparent Fee Structure

With DailyPay, they make sure their pricing is easy to understand so that customers know any fees that might apply to their accounts. Consistent with modern norms of accountability and ethics in the financial services sector, this commitment to openness fosters trust.

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4. Dave ExtraCash

Dave logo

Dave ExtraCash stands out as a trustworthy platform that offers financial assistance, giving users an option apart from solutions that rely on Plaid. With Dave ExtraCash, customers can get the extra cash they need without sacrificing ease of use or accessibility in case they need it.

Get Quick Cash

Dave ExtraCash’s capacity to give users quick cash makes it stand out. Users have the convenience of being able to access additional funds fast, providing a safety net for those unexpected needs.

Dave features

No Plaid Dependency

Users can access extra cash via Dave ExtraCash, a separate platform from Plaid, without using third-party networks or connecting their accounts. The security and anonymity of the user are given top billing in this approach.

Low-Fee Cash Advances

Customers’ ability to afford certain financial services is vital to this app. Hence, the company provides low-fee cash advances. With this software, users can easily obtain extra cash with little fees, making it a budget-friendly option for meeting immediate financial obligations.

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Alerts for Low Balances

It includes predictive notifications for low amounts to help consumers better understand their financial condition. Users will be notified in advance when it is believed that their account balances might drop below a certain level. Because of this, they can take charge of their financial future.

Simple Repayment Options

Dave ExtraCash provides accessible repayment alternatives to make the repayment procedure more straightforward. There is no need for complex repayment systems because users can return cash advances. It guarantees a user-friendly experience.

People Also Read – How to Get a Cash Advance on Cash App

Concept of Cash Advance Apps that Don’t Use Plaid

Apps that provide cash advances but don’t use Plaid do so for good reasons, like improving the customer experience and increasing confidence. Avoiding Plaid allows these apps to tackle the issue of privacy directly, which is of utmost importance in this digital age. 

With the growing concern for data security and privacy, some Plaid users may feel worried about the necessity of sharing sensitive financial data. The decision to stay away from Plaid is also heavily influenced by security concerns. 

Cash Advance Apps and Plaid

Plaid itself is a secure platform, but adding any third-party integration makes it even more susceptible. By choosing not to use Plaid, apps may reduce this risk and keep users’ financial information safe from hackers and other security breaches.

Cash advance apps make the user experience more efficient by avoiding Plaid. Because Plaid integration necessitates users to link their accounts, it can occasionally complicate the onboarding process and cause friction. 

Apps focusing on simplicity choose ways to quickly get cash advances without involving third parties. The decision is also motivated by a desire for flexibility. Cash advance apps have greater autonomy over their users’ financial data if they stop depending on Plaid. 

They can adjust to changing industry standards, new technologies, and customer expectations since they are not tied to any one third-party service. Cutting less on third-party services is a wise business decision. 

If an app doesn’t use Plaid, it isn’t relying on an external API for its functionality. Because of their independence, they can keep providing a constant and dependable service regardless of what happens with Plaid or other comparable businesses.


Use of these cash advance apps that don’t use Plaid is typically risk-free. Like any other financial organization, they must follow certain rules and regulations while dealing with money. But you need to be careful with your money; therefore, you should conduct your research. 

Verify that the app has solid safety features, is up-front about its costs, and has positive user feedback regarding its customer support. Having some doubts before handing up your bank details is normal. Just be a little smart! You might also look into alternative loan options like peer-to-peer websites and internet lenders like Beem, #1 alternative to instant cash advance. In most cases, Plaid is optional. You should read the contract carefully before borrowing from them, as their interest rates could sometimes be greater.


Are there any drawbacks to using non-Plaid apps?

Using non-Plaid apps may have some drawbacks, primarily related to reliability. As a financial technology company, Plaid specializes in providing secure and standardized access to financial data through APIs. Non-Plaid apps might not be as reliable regarding data accuracy and update frequency as those integrated with Plaid. Choosing non-Plaid apps may also limit the interoperability of financial data across various platforms, reducing the overall convenience and efficiency of managing financial accounts.

What are some alternative financial solutions for unexpected expenses?

Numerous alternatives exist for those seeking financial solutions for unexpected expenses. You can lend money to financial institutions and cooperatives. However, getting a cash advance from a bank or credit union can be a hassle because they often want a substantial income and a high credit score.

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Shirlene Grace Isaac

Shirlene puts words on the Internet because she loves to do so and also for the money! She is a singer, songwriter, occasional poet, artist and muser — all in the body of a 20 something. She's a taleteller of sorts often looking for opportunities to narrate stories untold.


This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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