Cash Advance Apps
How much does FloatMe let you borrow?

How much does FloatMe let you borrow?

By Editorial Team
Last Updated: Jun 13, 2025

FloatMe advertises that they provide cash advances of up to $50 between paydays. For first-time users, the cash advance ranges from $10 to $50, and over time, your eligibility can increase up to a maximum of $200. The amount you're able to borrow is determined by your eligibility, which is based on factors like your anticipated income and transaction history.

FloatMe specifically looks at your income and banking history to understand your ability to repay. Factors that can impact your eligibility include your spending habits and how you've interacted with FloatMe in the past. They don't require a credit check, and there are no interest charges or late fees.

Table of contents

Does FloatMe actually send you $200?How to get a bigger cash advance on FloatMe?

Does FloatMe actually send you $200?

Based on dozens of user reviews, it appears that while FloatMe can provide quick cash when you need it, getting the full $200 advance might be a stretch. Our data comes from reviews published in April and May 2025, giving you the latest scoop on FloatMe's practices. Here's what users are saying:

  • Fast and easy: Many folks appreciate how simple and quick it is to get an advance, especially in a pinch.
  • Low starting amounts: Most users report initial advances of $20 or $50, with some saying they've been stuck at these amounts for a while.
  • Slow to increase: Several people mention frustration that their advance amounts haven't gone up, even after multiple on-time repayments.
  • $200 is hard to reach: There's little evidence of users receiving the full $200 advance.

So, if you're aiming for a $200 advance from FloatMe, be prepared for a slow climb. It seems you might start small and it could take some time (if ever) to get to the higher amounts.

App reviews talking about Loan Amounts:
"...the amount starts extremely low at 20$ as opposed to several others start at at-least 50$..."
"...wish it would actually increase the float faster like the Dave app I’ve been on 50$ since I got the app..."
"...I like that they are going up on amount you can barrow 20 wasn’t enough 50 and up helps!"

How to get a bigger cash advance on FloatMe?

If you're looking to increase your cash advance limit on FloatMe, consistently repaying your advances on time might help. As one user mentioned, "Borrowed and repaid. Reward higher advance! It's good to you if you pay back on time!"

However, some users have noted that their float amounts didn't increase as they expected. For example, a user shared, "I've been on $50 since I got the app and I make $800 a week lol but I like app like these to diversify my money a bit more."

To potentially get a bigger advance, ensure your linked bank account shows regular income deposits and continue using the app responsibly. If you're unsure why your limit hasn't increased, consider reaching out to FloatMe's customer support for clarification.