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If you are hunting for a great app that can come in handy when you need some quick cash, then this blog is for you.
We have carefully formulated a list of the best and most effective cash advance apps that work effortlessly with Wisely. Read on and choose the one that suits you best.
If you use a Wisely card and are searching for cash advance apps that work seamlessly with it, you’re in the right place. Wisely, a popular prepaid debit card, allows users to manage their finances effectively, and several cash advance apps are compatible with it.
Let’s explore the best options to help you access cash instantly.
Why Choose Cash Advance Apps Compatible with Wisely?
A Wisely card offers flexibility and convenience, but when paired with the right cash advance apps, it becomes a lifeline during financial crunches.
These apps provide:
- Instant Access to Funds: Get cash deposited directly onto your Wisely card.
- No Credit Checks: Most apps don’t require a hard credit pull.
- Ease of Use: Quick application processes and seamless integration with Wisely.
- Low or No Fees: Many apps charge minimal fees, making them cost-effective.
What is Wisely?
Wisely by ADP serves as a digital payroll solution, enabling businesses to enhance payroll efficiency, boost workforce productivity, and support employees’ financial well-being, leading to increased earnings.
This integrated solution simplifies off-cycle, one-time, and on-demand payments, providing payroll and hiring managers with a unified platform for handling all payment requirements.
With various payment options, including the latest mobile technology, managers can offer quicker payments to their valued employees.
Benefits of using Wisely
The various advantages of using Wisely are as follows:
- Early Direct Deposit: Get your money sooner at your early direct deposit.
- Cash Back Rewards: Earn cashback rewards simply by opting into the shop.
- No Hidden Fees: there are no hidden fees. What you see is what you get.
- Shop: Shop at your favorite place with ease.
- Bill Pay: Pay your bills conveniently through the app.
- Security: Ensures the security of your transaction.
- Savings: Save money effortlessly with the app’s savings features.
- Surcharge-Free ATMs: Access surcharge-free ATMs for cash withdrawals.
- Partner Perks: Enjoy partner perks using the app.
What Are Cash Advance Apps that Work with Wisely?
Top 11 Cash Advance Apps that work with Wisely.
- Beem
- Cleo
- Empower
- MoneyLion
- Albert
- Klover
- Dave
- Branch
- Wisely SpotMe
- Varo
- Brigit
What advance app works with Wisely?
App Name | Works with Wisely? | Features |
---|
Beem | Yes | Instant cash advances, budgeting tools, and identity theft protection. |
Cleo | Yes | AI-powered financial assistant offering advances and budgeting insights. |
Empower | Yes | Provides cash advances, financial tips, and automatic savings tools. |
MoneyLion | Yes | Offers paycheck advances, financial tracking, and investment tools. |
Albert | Yes | Delivers small advances and intelligent savings recommendations. |
Klover | Yes | Fast cash advances without credit checks or hidden fees. |
Dave | Yes | Early access to paychecks and budgeting assistance. |
Branch | Yes | Payroll advances for employees and budgeting resources. |
Wisely SpotMe | Yes | Provides overdraft protection and advance options for Wisely users. |
Varo | Yes | No-fee banking with access to cash advances and savings tools. |
Brigit | Yes | Small advances, budgeting tools, and financial health insights. |
Top Cash Advance Apps That Work With Wisely
When choosing the best cash advance apps, some crucial factors must be considered, including loan amount, timeline for repayment, fees, company reputation and user requirements.
Here are some top 10 cash advance apps that work with Wisely.
1. Beem
Beem consistently ranks among the most downloaded finance apps on the App Store and Google Play. Its standout feature is the availability of cash advances, allowing users to access up to $1,000 without a credit check, low fees and no interest.
Beem’s topmost quality is its Everdraft™ instant cash advances for $10 – $1,000 for no credit check. Most other instant loan apps typically limit their loans to $250 or $500, making this maximum significantly higher.
Beem’s Features:
Beem aims to be the number one preferred financial app by providing multiple features:
- Utilize the AI-powered Better Financial Feed for personalized budget management, receiving alerts about low bank balances, upcoming bills, duplicate charges, and potential overdraft fees.
- Effortlessly send and receive money from anyone, even if they don’t have a bank account.
- Enjoy free state and federal tax return filing.
- Access cashback offers at well-known stores, restaurants, and entertainment venues.
- Monitor your credit score and benefit from $1 million in identity theft protection.
2. Cleo
Cleo helps millions budget, improve credit scores, and avoid overdraft fees with cash advances up to $250. AI-driven, Cleo offers witty financial advice. Setting up a free account takes under two minutes, with instant transaction analysis and goal-related questions aiding in effective money management.
Pros Of Cleo App:
- No credit check required.
- Interest-free cash advances.
- Built-in money-management tools.
Cons Of Cleo App:
- Low cash-advance maximum.
- Cash advances require membership.
- Transfers can take a few days.
3. Empower
With Empower, you can get up to $250 without interest. There are no late fees or credit checks; you get the money instantly. The Empower Card makes it more than just a payroll app. It costs $8/month, with specific qualifications for Empower Cash Advance.
Pros Of Empower:
- No credit checks.
- Instant transfers.
- Automated savings.
Cons Of Empower:
- Small cash advances to start.
- Cash advance limits often change.
4. MoneyLion
MoneyLion, another online banking app, provides early cash advances and paycheck access. With Instacash, borrow up to $500 instantly, with no interest or credit check. For a fee, get the money within minutes, or wait up to five days for free. The RoarMoney account lets you access your paycheck two days early.
Pros Of MoneyLion:
- No obligation to repay if you want to cancel.
- 24/7 customer support.
- Excellent customer reviews.
Cons Of MoneyLion:
- Your limit may vary.
5. Albert
Albert Instant is a no-fee, no-interest cash advance offering up to $250 from your next paycheck. Accessible with a Genius subscription, it incurs a small fee for instant access. No credit check is required; repayment occurs when your next paycheck arrives.
Pros Of Albert:
- No credit check required.
- Transparent fees.
- Pay what you think is fair.
Cons Of Albert:
- A small fee for constant transfers.
- Must have Genius Subscription.
6. Klover
Klover provides interest-free cash advances with no late fees. Setting up an account takes seconds, and linking your bank enables credit check-free cash advance applications.
No fees are charged; targeted ads are sent, earning purchase commissions. Your privacy is secured with military-grade 256-bit encryption.
Pros Of Klover:
- No fees.
- Won’t overdraft your account.
- Budgeting tools.
Cons Of Klover:
- Have to wait up to three days after payday for another advance.
7. Dave
Dave offers a no-interest overdraft advance of up to $500, available within one to three days or instantly to your Dave Debit Mastercard for a small fee. No overdraft fees apply, even with a zero balance. The basic Dave membership costs $1 monthly, with an optional tip when requesting an advance.
Pros Of Dave:
- Limits up to $500
- In-app side hustle opportunities
- Offers a high-yield savings account
Cons Of Dave:
- Express funding can be expensive.
- Suggested tip is high (though optional)
8. Branch
The branch offers a modern alternative to payday loans with flat or free fees based on the advance amount and preferred access method. Initially an employer tool, it now supports scheduling and payroll advances for hourly employees, partnering with Evolve Bank & Trust for banking and using Dwolla, Inc. for payments.
Pros Of Branch:
- No advance fee — unless you want money “instantly”.
- No membership fees
Cons Of Branch:
- Advance amounts limited
- Not available to remote employees
9. Wisely SpotMe
Wisely is the cash advance app that works with ADP, so that you can access your wages early, use it as a digital banking option, and earn cashback rewards.
The platform provides a Wisely Pay Visa or Mastercard issued by Fifth Third Bank, N.A., or Pathward. It features clear fee structures and a user-friendly interface, catering to those needing to be more comfortable with digital tools.
Pros Of Wisely:
- Cash back rewards when shopping.
- No annual, minimum balance, or overdraft fees.
Cons Of Wisely:
- Inactivity fees of up to $4.00 after 90 days of not using the app.
- It can take up to 3 days to transfer funds to the bank.
- Only primary members can transfer funds to the card.
10. Varo
Varo, an online banking service, provides faster paycheck access through direct deposit, allowing you to receive your money up to two days earlier. With a Varo account, you may qualify for Varo Advance, enabling interest-free loans of up to $250. Initially, receive up to $20 advances and increase your limit over time.
Pros Of Varo:
- $20 advances are free
- No tips or subscription fees
- No risk of overdraft fees
Cons Of Varo:
- Mixed customer service reviews
- Requires an active Varo bank account
- It may take time to unlock up to $250
11. Brigit
Brigit is a highly flexible payday advance app, providing up to $250 in 1-3 business days without a credit check (instantly for a fee). You can select your repayment date for withdrawing the money from your bank account. Meeting specific app requirements is necessary, as Brigit only extends cash advances to some.
Pros:
- Useful financial tools
- Automated advances (overdraft protection)
- Credit protection tools
Cons:
- A large number of requirements
- Requires a paid monthly subscription
Summary of the Best Cash Advance Apps that Work with Wisely
Various financial apps provide convenient options for cash advances and financial management. Beem stands out with its consistently high rankings, offering cash advances up to $1,000. Cleo aids users in budgeting and credit improvement with cash advances up to $250, featuring a witty AI-driven assistant. Empower provides interest-free cash advances up to $250, while MoneyLion offers up to $500 instantly with no interest or credit check.
Albert’s Instant provides a no-fee, no-interest cash advance of up to $250 with a Genius subscription. Additionally, Dave’s ExtraCash offers a no-interest overdraft advance of up to $500, and Wisely by ADP allows early access to wages with cashback rewards. Varo and Brigit also offer convenient options for paycheck access and cash advances.
Choosing a Cash Advance App that Works with Wisely
Choosing a Cash Advance App that works seamlessly with Wisely provides a range of options for users seeking financial assistance and management tools. After determining all of the Apps and finding out the key factors to choose the Cash Advance App that Works with Wisely, here’s a list of things to keep in mind:
- Fees and Funding Timeline (30%): Paycheck advance apps with no subscription fees and next-day funds without a charge ranked higher.
- Advance Amounts (30%): Apps offering a broader range of advance amounts, with a preference for those with a maximum advance of $250 or more, received higher scores.
- Customer Service (30%): Favorable rankings went to apps with a good reputation, no recent FTC or CFPB regulatory actions, live chat, a customer service phone number, and solid mobile app user ratings.
- Credit-Improving and Budgeting Tools (10%): Higher scores were given to paycheck advance apps that provide tools for monitoring or improving credit scores, along with practical budget-management tools.
Conclusion
Cash advance apps like Beem, Dave and Brigit help you borrow a small amount from your upcoming payment even before you receive it.
This money provides a quick fix in an emergency. Still, it’s advised to consider the best option for your needs and analyze various factors before confirming a cash advance app for borrowing.
What Payday apps work with ADP?
Payday apps that work with ADP typically support payroll integration to provide early access to wages or advances. Here are some payday apps compatible with ADP:
App Name | Works with ADP? | Features |
---|
Beem | Yes | Instant cash advances, budgeting features, and expense management. |
Earnin | Yes | Cash advances based on hours worked with no mandatory fees. |
Branch | Yes | Offers instant payroll advances and budgeting tools. |
DailyPay | Yes | Provides employees access to earned wages before payday. |
Wisely SpotMe | Yes | Offers advance options and overdraft protection for Wisely card users. |
MoneyLion | Yes | Cash advances, credit-building tools, and financial tracking. |
Dave | Yes | Early paycheck access and personal financial tools. |
PayActiv | Yes | Facilitates access to earned wages and financial wellness programs. |
People Also Asked On Cash Advance Apps That Work With Wisely
What advance app works with Wisely?
Wisely users can access cash advance apps that support prepaid and payroll cards, such as Earnin, Brigit, and Dave.
These apps allow eligible users to link their Wisely card to receive small advances before their next paycheck, helping manage unexpected expenses.
Can you borrow money from a Wisely card online?
Yes, you can borrow money using a Wisely card online through various cash advance apps that support Wisely. Apps like Beem, Earnin, Brigit, and Dave allow users to link their Wisely card to receive advances.
These platforms provide quick and convenient access to funds, often without credit checks, helping Wisely cardholders manage short-term financial needs.
How do you borrow wisely?
To borrow wisely using a Wisely card, choose a reliable cash advance app like Beem, Earnin, or Dave that supports Wisely. Link your Wisely card to the app and request an advance based on your earnings, ensuring you can repay it within the set period.