Cash Advance Apps
What is FloatMe cash advance?

What is FloatMe cash advance?

By Editorial Team
Last Updated: Nov 13, 2025

FloatMe’s cash advance—called a “Float”—is an interest-free, credit-free way to spot yourself a little cash between paychecks. After joining the $4.99-a-month membership, you can request between $10 and $200 (first timers usually see $10–$50). You pick the repayment date—normally your next payday—and you can’t open another Float until the first one is repaid.

Money arrives in one of two ways: free ACH in one to three business days, or instant delivery to your debit card within minutes (sometimes up to eight hours) for a flat fee of $1–$7, depending on the advance size. There are no tips, interest, or late fees; if you miss the due date, FloatMe simply pauses future advances and doesn’t report anything to collections or the credit bureaus.

Eligibility is straightforward: be at least 18, live in a state where Floats are offered (not CT, MD, DC, NV, or U.S. territories), link a checking account that isn’t overdrawn by more than $20, and show a consistent income history.

Does FloatMe give cash advances?

Yes, FloatMe gives interest-free cash advances (it calls them “Floats”) up to $200. First-time approvals usually land between $10 and $50, and you’ll need the app’s $4.99 monthly membership to request one. There’s no credit check, interest, tips or late fees, but you can only have one Float at a time. You choose the repayment date—typically your next payday—and can repay early. Standard ACH delivery is free and takes 1–3 business days, while instant debit-card delivery costs $1–$7 (about $7 on $100–$200) and arrives within minutes. If a repayment fails, future Floats are paused rather than sent to collections, so you’ll have to clear the balance before borrowing again.

Table of contents

Does FloatMe give cash advances?Advance amounts, fees and repayment termsFloatMe cash advance requirementsOther features

Advance amounts, fees and repayment terms

Advertised advance amounts
$10 - $200
Monthly fee
$4.99
Time to get cash
1–3 business days
Expedite fee
$1–$7
Time to get cash with express fee
Within 8 hours

FloatMe cash advance requirements

FloatMe cash advance requirements include:

  1. Age & ID: Be at least 18 and a U.S. citizen or lawful permanent resident with a valid SSN/TIN and physical or APO/FPO address.
  2. State rules: Floats aren’t offered to residents of CT, MD, DC, NV or any U.S. territory.
  3. Linked account: Connect a checking account that isn’t overdrawn by more than $20 when you request the cash.
  4. Income flow: Show expected paycheck or deposit activity and a solid recent transaction history.
  5. Repayment record: On-time repayments of earlier Floats help unlock bigger advances, up to $200.

FloatMe automatically reviews these factors each time you ask for a Float to decide if you qualify and how much you can borrow.

Other features

FloatMe isn’t only about snagging a quick Float. Your $4.99 membership also unlocks a handful of tools designed to keep you ahead of the next cash-flow crunch.

Smart cash-flow forecasting

The app scans your income, bills, and day-to-day spending to figure out when money might run tight. It caps your advance at an amount you can comfortably repay and will even suggest a Float when it predicts a shortfall is around the corner.

Balance and overdraft alerts

Real-time notifications pop up when your bank balance is getting close to zero or when an upcoming repayment could push you into the red, giving you time to move money or adjust plans before an overdraft fee hits.

Money hub & spending insights

Link multiple checking or savings accounts to see all balances and transactions in one feed. FloatMe auto-categorizes purchases, flags recurring subscriptions you may have forgotten about, and estimates how long your cash should last until payday.

Member-only deals

Inside the app you’ll find discounts and side-gig opportunities from partner companies—handy if you’re looking to stretch your budget or bring in a bit of extra income.

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