What is Albert cash advance?

Yes, Albert offers cash advances of up to $500 through their monthly subscription plan, which costs between $11.99 and $29.99 per month. There are no interest charges, credit checks, or late fees involved. Repayment is automatically deducted from your linked bank account on your next payday or deposit, typically within 6 days, and you can request a one-week extension if needed. For instant access to funds, there's a fee ranging from $5.99 to $14.99, and you'll receive the money within minutes. If you opt for the free standard transfer, you'll get the cash in 2–3 business days.

Some of the Albert cash advance requirements include:

1. Consistent income: Have a history of regular income deposited directly into your bank account.
2. Account history: Maintain your bank account for several months to establish a sufficient transaction history.
3. Positive balance: Ensure your bank account maintains a positive balance.
4. Financial behavior: Demonstrate responsible financial habits, such as saving regularly, prudent spending, and timely repayment of any debts.
5. Credit score (optional): While not required, having a good credit score can enhance your eligibility.

Albert will determine your eligibility and the maximum cash advance you can receive, which can be up to $500.

Albert isn’t just about spot-advances. Once you’ve enrolled in the monthly Genius plan, you unlock a stack of everyday money tools that live in the same app.

Cash account perks

Open a mobile checking account inside Albert and you can set up direct deposit to get paid up to two days early. The linked debit card earns automatic cash-back at select stores, taps 55,000 fee-free ATMs and offers up to $250 of overdraft coverage so you don’t eat an NSF fee.

Budgeting & savings tools

Albert pulls in transactions from all your linked accounts, auto-labels the spend and flags anything odd—like a bill that’s about to hit or a charge that looks off. The app crunches your cash-flow and quietly moves a few affordable dollars into a separate savings pocket for each goal you set, so saving feels pretty hands-off.

Investing

You can start investing with as little as $1. Pick individual stocks and ETFs yourself or let Albert build a managed portfolio that fits the risk profile you set inside the app. You can also tweak that portfolio later if your goals change.

Bill cutting help

Hand off your internet, phone or cable statements and Albert will try to negotiate a lower rate; if they succeed, you keep the lower bill and the savings stay in your pocket. The app also surfaces forgotten subscriptions so you can cancel the ones you don’t need.