Cash Advance Apps That Work With Wisely

When choosing the best cash advance apps, some crucial factors must be considered, including loan amount and company reputation. Here are some top cash advance apps that work with Wisely. 
Cash Advance Apps That Work With Wisely
Cash Advance Apps That Work With Wisely
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.
In this article

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.

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 cash advance apps that work with Wisely. 


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 $20 – $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 aims to be the number one preferred financial app by providing multiple features:

  1. 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.
  2. Effortlessly send and receive money from anyone, even if they don’t have a bank account.
  3. Enjoy free state and federal tax return filing.
  4. Access cashback offers at well-known stores, restaurants, and entertainment venues.
  5. Monitor your credit score and benefit from $1 million in identity theft protection.


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.


  • No credit check required.
  • Interest-free cash advances.
  • Built-in money-management tools.


  • Low cash-advance maximum.
  • Cash advances require membership.
  • Transfers can take a few days.


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.


  • No credit checks.
  • Instant transfers.
  • Automated savings.


  • Small cash advances to start.
  • Cash advance limits often change.


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.


  • No obligation to repay if you want to cancel.
  • 24/7 customer support.
  • Excellent customer reviews.


  • Your limit may vary.


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.


  • No credit check required.
  • Transparent fees.
  • Pay what you think is fair.


  • A small fee for constant transfers.
  • Must have Genius Subscription.


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.


  • No fees.
  • Won’t overdraft your account.
  • Budgeting tools.


  • Have to wait up to three days after payday for another advance.


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.


  • Limits up to $500
  • In-app side hustle opportunities
  • Offers a high-yield savings account


  • Express funding can be expensive.
  • Suggested tip is high (though optional)


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.


  • No advance fee — unless you want money “instantly”.
  • No membership fees


  • Advance amounts limited
  • Not available to remote employees

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.


  • Cash back rewards when shopping.
  • No annual, minimum balance, or overdraft fees.


  • 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.


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.


  • $20 advances are free
  • No tips or subscription fees
  • No risk of overdraft fees


  • Mixed customer service reviews
  • Requires an active Varo bank account
  • It may take time to unlock up to $250


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.


  • Useful financial tools
  • Automated advances (overdraft protection)
  • Credit protection tools


  • 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.

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:

  1. Early Direct Deposit: Get your money sooner at your early direct deposit.
  2. Cash Back Rewards: Earn cashback rewards simply by opting into the shop.
  3. No Hidden Fees: there are no hidden fees. What you see is what you get.
  4. Shop: Shop at your favorite place with ease.
  5. Bill Pay: Pay your bills conveniently through the app.
  6. Security: Ensures the security of your transaction.
  7. Savings: Save money effortlessly with the app’s savings features.
  8. Surcharge-Free ATMs: Access surcharge-free ATMs for cash withdrawals.
  9. Partner Perks: Enjoy partner perks using the app.

What Are Cash Advance Apps that Work with Wisely?

There are various Cash Advance Apps that work with Wisely. Let’s recall them all and help you choose the best one!

  1. Beem
  2. Cleo
  3. Empower
  4. MoneyLion
  5. Albert
  6. Klover
  7. Dave
  8. Branch
  9. Wisely SpotMe
  10. Varo
  11. Brigit

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:

  1. Fees and Funding Timeline (30%): Paycheck advance apps with no subscription fees and next-day funds without a charge ranked higher.
  2. 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.
  3. 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.
  4. 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.


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.

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Picture of Fatema Yusuf

Fatema Yusuf

A passionate writer, who loves to write about anything and everything. She usually writes about finance and investment options. She enjoys talking about personal development and loves to help people grow. she loves to cook for kids and upcycle old stuff to give them a new life.


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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