Cash Advance Apps
What is Albert cash advance?

What is Albert cash advance?

By Editorial Team
Last Updated: Nov 13, 2025

Albert’s “Instant” cash advance lets eligible users snag between $25 and $250 (a few see limits up to $1,000) with no credit check, interest, or late fees. Think of it as a quick safety net when your balance is low—just tap the amount you need in the app and the money is on its way.

Delivery is free and truly instant if you route the funds to an Albert Cash checking account. Prefer your regular bank? The cash can land there in minutes for a speed-transfer fee of about $5.99–$14.99. You repay automatically on your next paycheck date, and the company says missed paybacks aren’t sent to collections or reported to credit bureaus.

Eligibility is based on your banking habits, not your credit score: you’ll need an active U.S. bank account, an Albert Cash account that sees regular direct deposits, Smart Money savings left on “automatic,” and generally healthy cash-flow. There’s no paid subscription required just to use Instant, although Albert does sell optional Genius plans with extra tools.

Does Albert give cash advances?

Yes. Albert’s Instant Cash feature lets eligible users pull $25–$250 in minutes, and a lucky few can see limits as high as $1,000. There’s no credit check, interest, or late fees, and repayment is automatically scheduled for six days after you borrow (you can request one 7-day extension if needed). Transfers hit an Albert Cash account instantly and free; sending the money to an outside bank costs $5.99–$19.99 for near-instant delivery, or you can wait 2–3 business days for the no-fee option. On the due date Albert withdraws what you owe (plus any optional tip and delivery fee) from your linked account—missing a payment just pauses future advances, it isn’t sent to collections. Access to Instant Cash requires an Albert subscription, with plans starting at $11.99 a month.

Table of contents

Does Albert give cash advances?Advance amounts, fees and repayment termsAlbert cash advance requirementsOther features

Advance amounts, fees and repayment terms

Advertised advance amounts
$25 - $1,000
Monthly fee
Free
Time to get cash
2–3 business days
Expedite fee
$5.99–$14.99 to external account; free to Albert Cash account
Time to get cash with express fee
Within minutes

Albert cash advance requirements

  1. Link bank: Connect a U.S. checking account that already shows steady deposits and spending; Albert reviews this data first.
  2. Albert Cash: Open the free Albert Cash checking account—advances are only offered to users who have it.
  3. Direct deposits: Make sure Albert Cash regularly receives your paycheck or other qualifying income; a reliable pattern boosts your chances and limit.
  4. Smart Money on: Keep the automated “Smart Money” savings tool set to Automatic; turning it off can block new advances.
  5. Good standing: Maintain positive balances and avoid frequent overdrafts. Albert adjusts (or revokes) your advance limit based on account health—no credit check or paid subscription needed.

Albert re-evaluates these points each time you tap “Instant,” so limits can change or be declined at its discretion.

Other features

Alongside the Instant Cash advance, Albert packs a set of money tools that open up once you subscribe to a Genius plan.

Albert Cash checking

A free Mastercard debit card pays cash-back on rotating categories, lets you get your paycheck up to two days early, and gives fee-free access to 55,000 + Allpoint ATMs (it’s $3.50 when you use one outside the network). The advance can also act as up to $250 of overdraft protection.

Smart automated savings

Albert’s “Smart Money” feature studies your cash-flow and moves a few dollars into savings several times a week. You can run multiple goals at once and may earn interest or occasional cash bonuses without lifting a finger.

Guided investing

With as little as $1 you can buy individual stocks or ETFs, or hand the reins to Albert to build a managed portfolio that matches your timeline and risk level. In-app explanations and tips aim to keep beginners on track.

Budgeting, bills and live help

Link outside accounts to see every purchase, build a monthly budget, and track recurring bills. The app flags unused subscriptions and can negotiate certain service bills—you only tip if it saves you money. Need help? Text a human “Genius” seven days a week for quick guidance on spending, saving or investing.

Larger personal loans

If you need more than an advance, Albert offers personal loans starting at $1,000. You’ll see rates after a soft credit pull, and same-day funding is available for an optional speed-transfer fee.

Need a cash advance?