All App Reviews
Detailed reviews of cash advance apps like Dave, Brigit, and others, highlighting their features, benefits, and drawbacks to help you find the best option for your financial needs. Explore all the app reviews below to make an informed choice.
Chime SpotMe app review
Chime SpotMe isn’t a payday loan; it’s an overdraft safety net built into a Chime Checking Account. Once you’ve received at least $200 in qualifying direct deposits within 34 days, SpotMe can cover debit-card purchases and cash withdrawals that push your balance into the red, starting at $20 and climbing to as much as $200. There are no subscription or overdraft fees, no interest, and tipping after you repay is purely optional. Chime simply deducts what you owe from your next deposit, though you’ll still pay Chime’s $2.50 fee if you grab cash at an out-of-network ATM.
Read more
Dave app review
Dave’s ExtraCash fronts up to $500 and lands in your Dave Checking account as an overdraft deposit. There’s a $5 monthly membership, no interest or late fees, and repayment is scheduled for the next payday you select. Need the money right away? Pay the greater of $5 or 5 % of the advance (capped at $15) for express delivery. With no hard credit check and a cost structure that skips steep finance charges, Dave positions itself as a cash-advance alternative to payday loans.
Read more
Brigit app review
Brigit is a subscription-based cash-advance app—not a traditional payday lender—that will front eligible users $25 to $500 without charging interest, late fees or mandatory tips. Approval hinges on your bank-account activity rather than your credit score, and repayment is set for your next paycheck (with one free reschedule). Access to advances costs $8.99–$15.99 per 30 days; standard ACH delivery is free, while instant transfers to a debit card run an extra $0.99–$3.99 unless you’re on the higher-tier plan where they’re included.
Read more
EarnIn app review
Earnin gives you early access to wages you’ve already earned—up to $750 each pay period. There’s no interest, no credit check, and no mandatory fees; pay it back automatically when your paycheck lands. Standard transfers arrive in 1–2 business days for free, or you can pay $3.99–$5.99 for Lightning Speed delivery. Tipping is optional, and the company positions itself as an alternative to traditional payday loans.
Read more
Empower app review
Empower offers short-term cash advances through a subscription model. After a 14-day free trial, the app charges $8 per month to unlock its features, and you can choose standard delivery (free, 2-5 business days) or pay an extra $1–$8 for instant deposits that arrive within minutes.
Read more
Klover app review
Klover is an earned-wage access app—it lets you pull forward up to $400 of money you’ve already earned, then automatically pays itself back on your next payday. The advance has 0% interest and no late fees; the only mandatory cost is a $4.99 monthly subscription after a 30-day free trial. If you need the cash in minutes, optional express delivery runs $1.49–$19.99 depending on the amount, while the standard 1-3 business-day transfer is free. Because it’s an advance on wages rather than a loan, there’s no credit check and your credit score isn’t affected.
Read more
MoneyLion app review
MoneyLion’s Instacash gives you up to $1,000 before your paycheck with 0% APR and no credit check. There’s no monthly fee—standard transfers are free, and you only spend extra if you add an optional tip or pay up to $8.99 for Turbo delivery.
Read more
Albert app review
Albert is a finance app that can spot you $25 – $1,000 through its Instant advance. There’s no credit check, no interest, no late fees, and repayment is automatically pulled from your next direct-deposit paycheck. You can wait a few days for a free transfer or pay an optional fee for instant delivery. The advance feature works even if you skip Albert’s paid plans, though the app also sells subscription tiers (Basic $11.99/mo, Genius around $14.99-$16.99/mo, Genius+ $21.99/mo, Premium up to $29.99/mo) that add budgeting tools, investing, cash-back rewards and more. Because the advance carries no finance charges and Albert doesn’t pursue collections, it doesn’t fall under the usual payday-loan label.
Read more
Cleo app review
Cleo lets you snag up to $250 cash (up to $500 with Cleo Builder) interest-free, with repayment set for when your next paycheck hits. Access requires a Cleo Plus or Builder subscription that runs $1–$19.99 a month, and standard funding is free—though you can pay $3.99–$14.99 to get the money within 24 hours.
Read more
FloatMe app review
FloatMe is a membership-based cash advance app that lets you snag a quick “Float” of around $10–$100 (up to $200 tops) with zero interest, no credit check, and no late fees. You’ll pay a $4.99 monthly subscription to unlock advances, repay them when your paycheck hits, and decide whether to wait 1–3 business days for free ACH delivery or spend $1–$7 for an instant debit-card drop. Because the advance isn’t a legally enforceable debt and carries no finance charges, FloatMe doesn’t count as a traditional payday loan.
Read more
Vola Finance app review
Vola Finance is a membership-based cash advance app that lets you tap up to $500 with no credit check, interest, or late fees. Instead of charging finance charges, it runs on a flat subscription that ranges from about $6.99 to $20 per month, depending on the plan and the advance size you might qualify for. Beyond advances, the app folds in overdraft prediction, low-balance alerts, budgeting help, credit-score tracking, and a secured credit card, positioning itself as a broader money-management tool rather than a payday lender.
Read more
Grid Money app review
Grid Money is a cash advance app that can spot you up to $200 before payday. Advances are interest-free, automatically repaid from your next one or two paychecks, and come with no credit checks, late fees, or legal collections if a payment fails. Standard delivery is free, but you can pay $2.99 for faster funding, and some users opt into a $10 monthly Grid+ plan for extra features. Because there’s no interest or mandatory per-loan charge, Grid Money isn’t a traditional payday loan.
Read more
Beem app review
Beem is a personal-finance app whose Everdraft feature can front you roughly $10 to $1,000 before your next paycheck. There’s no interest, credit check or late-fee risk, and the advance is simply repaid when Beem spots your next deposit. Access comes through tiered memberships: from a free plan for basic tools up to a $12.97-per-month Pro tier that unlocks the highest advance limit and added protections. Instant transfers cost $1–$4, while a standard ACH delivery is free. Thanks to flat pricing and flexible repayment, Beem operates more like a cash-advance service than a traditional payday lender.
Read more
Gerald app review
Gerald is a cash-advance app that offers $40–$200 (or up to half your paycheck) with 0% APR, no subscriptions, and no transfer fees. A portion of each advance goes toward a Cornerstore buy-now-pay-later purchase, the rest hits your bank, and everything is automatically repaid on your next payday.
Read more