By Editorial Team
Last Updated: Jun 13, 2025
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Albert is a cash advance app that lets you borrow between $25 and $250 without any interest charges, credit checks, or late fees. You can choose to receive the funds instantly for a small fee or opt for a free transfer that takes 2–3 business days. Repayment is typically due on your next payday, and you can repay manually in the app or set up automatic repayment.
To be eligible for a cash advance, you'll need to demonstrate consistent account activity and income in your linked bank account, maintain a positive banking history, set up qualifying direct deposits with Albert Cash, and have the Smart Money feature set to "Automatic".
In addition to cash advances, Albert offers financial tools like budgeting, expense tracking, savings and investing options, and banking services with a debit card that offers cash back rewards. The company claims over 10 million users and is based in Covina.
Yes, Albert offers cash advances of up to $250 without any credit checks, interest charges, or late fees. You can apply directly through the Albert app, and eligibility is based on your account activity and banking history. The standard transfer is free and takes 2–3 business days to receive the funds. If you need the money instantly, there's a fee ranging from $5.99 to $14.99, and you'll get the cash within minutes. Repayment is typically due on your next payday, and you can repay manually or set up automatic repayment in the app. Accessing cash advances doesn't require a subscription to their paid plans, but Albert does offer additional features like budgeting tools and savings options if you're interested.
To qualify, you must meet the following criteria:
Albert will then determine if you're eligible and the maximum cash advance they can offer, ranging from $25 to $250.
Beyond the cash advances that Albert offers, and if you're willing to pay for a subscription starting at $11.99 per month, there are several other features that might help you manage your finances.
Albert lets you create a monthly budget and track your expenses so you can stay on top of your spending. With all your accounts visible in one place, you get a full picture of your financial health. The app also monitors your recurring bills and subscriptions, helping you manage and reduce unnecessary expenses.
With Albert's high-yield savings account, you can earn interest rates over nine times the national average. The app has automatic savings features that transfer money into your savings throughout the week, making it easier to build your nest egg. If you're interested in investing, Albert provides access to stocks, ETFs, and managed portfolios to help grow your wealth.
The Albert Cash Account comes with a debit card that offers cash back rewards at select stores, turning your everyday purchases into savings. You can also get paid up to two days early with early direct deposit and enjoy fee-free withdrawals at over 55,000 ATMs nationwide.
For those on the Genius+ plan, Albert offers personalized financial advice within the app to help you build better financial habits and make informed decisions. These tools are designed to enhance your overall financial wellness, offering support beyond just cash advances.