澳洲幸运5开奖号码历史查询

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Best Cash Advance Apps of 2025

Varo wins for transparency and a straightforward f♔ee structure

is our top pick for a cash advance app due to its flexible loan amounts, lack of fees, and instant funding. However, if your employer offers Payactiv, that's probably a better choice for you. While many are promoted as free (or accept “tips”), these apps sometimes charge high fees. Even so, they are a cheaper alternative to tradition♋al payday loans.

To choose the best cash advance apps, we looked at factors like loan amounts, fees, funding time, company reputation, and borrower requirements. 🐼Inves♒topedia’s testing methodology included more than 200 individual data points measuring 10 leading services. Our top picks are good options for most people, but you may find that one of the others better suits your needs. 

Best Cash Advance Apps of 2025

Best Overall : Varo

Investopedia's Rating
4.4

Varo Logo

Varo

  • Loan Amounts: $20 to $500
  • Time to Repay: Up to 4 weeks
  • Fees: $1.60 to $40, depending on amount
Why We Chose It

We chose Varo because of its clear fee schedule, long repayment time, and instant funding without an extra fee. If you’re interested in other banking services, like a savings account or a credit builder card, Varo can help you there, too.

Pros & Cons
Pros
  • No tips or subscription fees

  • Instant funding

  • No risk of overdraft fees

Cons
  • Mixed customer service reviews

  • Requires an active Varo bank account

  • May take time to unlock up to $500

Overview

You can borrow up to $250 with Varo when you first join and work your way up to a $500 advance over time. There’s a t🍨ransparent fee schedule, starting at $1.60 and going up to $40 for a $500 advance. There are no other fees. Funds arrive in your account instantly.

To qualify for an advance, you need a Varo bank account (that’s where your funds will go), and you must have made at least $800 in direct deposits over the current month or the one before. You can choose two repayment periods (15 or 30 days). You can also make an extra payment before your due date. Funds are withdrawn automatically. There’s no risk of 澳洲幸运5开奖号码历史查询:overdrafts or ov✃erdraft fees. Varo will withdraw what it can from your account and try again later. The downside is you may not be able to borrow from Varo again.

Varo’s website is transparent and well-organized. It’s easy to find information about cash advances, repayment, fees🏅, etc. You can reach customer service via phone and chat. Your Varo account allows you to access other banking and financial tools from Varo, including savings accounts, a credit card and a line of credit, even a free tax filing s🔯ervice.

Varo was established in 2015 and is headquartered in San Francisco, California.

Service Details
Loan Amounts  $20 to $500
Fees $1.60 to $40, depending on amount
Time to Repay  15-30 days
Repayment Method Automatic 
Time to Fund Instant
Additional Services Fee-free checking with a debit card
Line of credit
Interest-free secured card
High-yield savings account
Effective APR, w/out Tip 104%

Best for Flexible Loan Amounts : Payactiv

Investopedia's Rating
4.8

Payactiv App Logo

Payactiv

  • Loan Amounts: $1 to $1,500
  • Time to Repay: Next paycheck
  • Fees: $0 to $3.49, depending on disbursement type
Why We Chose It

If it were more widely available, Payactiv would be our first choice for a cash advance app. It features high borrowing limits, few fees, and instant funding. If your employer offers it, and you need a cash advance, this is the service to choose.

Pros & Cons
Pros
  • Multiple free ways to access wages

  • Access up to $1,500

  • No tips or subscription fees

Cons
  • Only available through your employer

Overview

Payactiv is only available through employers, which is too bad beꦐcause it has a lot to offer. You can borrow up to $1,500 through the service (your employer may set a lower cap), if you have direct deposit set up, and up to $750 without direct deposit. There are no tips or subscription fees; the only fee is for express transfer.

Payactiv offers several free ways to receive money, such as ACH transfer to your bank account (1-3 days) or instant transfers to a Payactiv credit card (again, with direct deposit set up). For a $3.49 fee, you can access your cash via a Visa+ digital wallet, Walmart Cash Pickup, or real-time transfer to a non-Payactiv debit or payroll card. Repayment comes out of your next paycheck following the advance.

Help is available within the app, or you can reach customer service by phone or email. Our researchers gave high marks for Payactiv’s online experience and educational resources. The app has a﷽dditional tools and features to encourage saving. 

Payactiv can also give you early access to tip income and ♏mi𓆉leage reimbursements.

Payactiv, a 澳洲幸运5开奖号码历史查询:Certified B-Corp, was established in 2012 and is headquartered in San Jose, California.

Service Details
Loan Amounts  $1 to $1,500
Fees $0 real-time transfers with direct deposit
$2.49 for real-time transfers to Payactiv Visa Card (without Direct Deposit)
$3.49 for Walmart cash pickup or real-time transfers to other debit or payroll cards
Time to Repay  Next paycheck
Repayment Method Automatic paycheck deduction
Time to Fund Many options are instant; ACH transfer takes 1-3 business days
Additional Services Payactiv Visa Card, which allows you to get paid early
Partner discounts
Bill pay
Effective APR, w/out Tip 6%

Best for Budgeting Tools & Resources : Dave

Investopedia's Rating
3.3

Dave App logo

Dave

  • Loan Amounts: $25 to $500
  • Time to Repay: Next paycheck
  • Fees: $5 subscription fee, 15% suggested tip
Why We Chose It

We like Dave because of its extra offerings, which include a high-yield savings account, where your nest egg can earn extra interest, and its side-hustle clearinghouse, where you can find opportunities to earn extra income.

Pros & Cons
Pros
  • Limits up to $500

  • In-app side hustle opportunities

  • Offers a high-yield savings account

  • No fee for instant transfers

Cons
  • Express funding can be expensive

  • Suggested tip is high (though optional)

Overview

With Dave you can get an advance of $25 to $500 deposited directly to your Dave checking account in 5 minutes. You can also send it to another bank acco🔜unt you control via ACH in up to three business days for a 1.5% fee. Dave doesn’t charge an express funding fee for instant transfers to your Dave checking account (many competitors do), nor does it charge a regular transfer fee, Instead, there’s a $5 subscription fee and a suggested tip of 15% (which is optional).

As with all of the cash advance apps we reviewed, repayment is automatic and🐼 occurs on a date you agree to when you set up the advance. Dave won’t overdraw your repayment account. On your settlement date, Dave will withdraw what it can and will continue to make withdrawals until your advance is repaid.♔ 

You have to hunt for it on the website, but Dave does have a customer service phone and an email address. There’s also a knowledge base with helpful articles and FAQs that answer many common questions in detail. The app even offers 澳洲幸运5开奖号码历史查询:side hustles, so you can earn extra cash that’s all yours.

Dave was founded in 2016 and is headquartered in Los Angeles, California.

Service Details
Loan Amounts  $25 to $500
Fees $5 per month subscription
15% suggested tip
Time to Repay  Next paycheck
Repayment Method Automatic
Time to Fund Varies: Up to 3 business days or 5 minutes
Additional Services Side hustle opportunities
Dave spending account
High-yield savings account
Effective APR, w/out Tip 26%

Best for Lowest Suggested Tip : EarnIn

Investopedia's Rating
3.7

Earnin App logo

Earnin

  • Loan Amounts: Up to $150 per day and $750 per pay period
  • Time to Repay: Next paycheck
  • Fees: Suggested tip plus express funding fees up to $5.99
Why We Chose It

Where other cash advance apps charge several different fees, EarnIn keeps it simple, with an express funding fee ($5.99) and a suggested tip. That’s it.

Pros & Cons
Pros
  • Can get set up and funded the same day

  • Can use your own bank account

  • Free credit score monitoring

Cons
  • Daily advance limits

  • Hard-to-find customer service details

Overview

With EarnIn yo🗹u can get an advance on your paycheck of up to $150 per day, for a maximum of $750 per pay period. There’s no fee for standard transfers, just a suggested tip. For instant transfers (“Lightning Speed”), there’s a fee of up to $5.99. 

Repayment is automatic out of an account you designate and occurs on payday. If an overdraft occurs (Earnin says this is rare), the company will work with you to straighten it out and recover any overdraft fees.

Earnin has earned generally good ratings from online reviewers. In addition to cash advances, EarnIn offers an overdraft protection service and free 澳洲幸运5开奖号码历史查询:credit monitoring. The website ho🔥sts a collection of financial calculators to help you make better decisions with your money.

EarnIn was established in 2012 and is headquartered in Palo Alto, California.

Service Details
Loan Amounts  $1 to $150
Fees Suggested tp; Up to $5.99 for express funding
Time to Repay  Next paycheck
Repayment Method Automatic 
Time to Fund Without fee: 1-2 days With fee: Under 30 minutes
Additional Services Credit monitoring Overdraft protection
Effective APR, w/out Tip 69%

Compare the Best Cash Advance Apps

Cash Advance App Loan Amounts Time to Fund (Without Fee) Express Funding Fee Additional Fees
Best Overall $20 to $500 Instant N/A $1.60 to $40, depending on amount
Best for Flexible Loan Amounts Up to $1,500 Many options are instant; ACH transfer takes 1 to 3 business days N/A $0 for real-time transfers with direct deposit, $2.49 for real-time transfers to Payactiv Visa Card (without direct deposit), and $3.49 for Walmart cash pickup or real-time transfers to other debit or payroll cards
Best for Budgeting Tools & Resources Up to $500 1 to 3 business days N/A $5 per month subscription
Best for Lowest Suggested Tip $1 to $150 per day (up to $750 per pay period) 1 to 2 business days Up to $5.99 N/A

Why Trust Us

Investopedia collected and anal🐟yzed over 200 key data points from 10 leading cash advance app providers to evaluate the most important factors for readers choosing a cash advance app. We used this data to review each service based on loan details, costs, borrower requirements, and customer experience. Investopedia developed this process to provide an unbiased, comprehensive review to ensure our readers make the right decision for their needs. Investopedia launched in 1999 and has been helping readers find the best cash advance apps since 2023.

How We Choose the Best Cash Advance Apps

To produce our list of the best cash advance apps, Investopedia researchers and editors rese🌳arched and evaluated 10 leading services, collecting 210 individual data points. We looked at 21 different factors for each service and assigned scoring weights to 17 of them to generate Investopedia’s star ratings. The 21 factors are organized into four broad areas, with the following cumulative weights.

  • Loan Details: (35%)
  • Loan Costs: (30%)
  • Borrower Requirements: (5%)
  • Customer Experience: (30%)

We also calculated an effective APR for each lender, which factored in costs like subscription fees and instant cash transfer fees, but we did not include 澳洲幸运5开奖号码历史查询:suggested tip amounts. For all services we chose the maximum loan amount and for services that require payment “from the next paycheck,” w🐠e assigned a 14-day term. Both of those choices pushed the effective APR down. We did not include this calculated figure in our ranking.

Best Cash Advance Apps of 2024

Investopedia / Michela Buttignol

Article Sources
Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
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