Money App is a cash advance app that offers advances up to $250 and doesn’t charge monthly subscription fees as many other apps do. It’s essentially free unless you need an expedited transfer, which costs up to $15.99. Like most apps, it also doesn’t charge interest or late fees.
But it has some poor reviews, with customers complaining of a glitchy app, problems linking bank accounts and verification issues. Many users also say that while they used to get approved for advances, they’re no longer eligible. Plus, its advances are on the low end for these apps, and it really doesn’t have any other features to recommend.
So, if you’re looking for apps with larger loan amounts, more features and potentially more reliable technology, consider these apps that are similar to Money App but may have more to offer.
Our 5 top picks for apps like Money App
Best for no monthly fees
EarnIn
Like Money App, EarnIn also doesn’t charge a monthly fee, but it offers advances up to $750 — $500 more than you can get with Money App. It also offers lower fees for instant transfers than Money App, from $2.99 to $5.99. To qualify for EarnIn, you need to have a job, get paid by direct deposit and earn at least $320 each pay period. But you’ll need to upload timesheets or otherwise allow the app to track your hours worked, and you can only access up to $150 per day without an EarnIn card.
| Loan Amount | Up to $750 |
|---|---|
| Turnaround time | 1 to 2 business days or within 30 minutes for a fee |
| Costs | Free to use or within minutes with a fee as low as $2.99 per transfer |
- Not available in: Connecticut
| Loan Amount | Up to $750 |
|---|---|
| Turnaround time | 1 to 2 business days or within 30 minutes for a fee |
| Costs | Free to use or within minutes with a fee as low as $2.99 per transfer |
Read review
Best for lowest fees
Chime MyPay®
Chime is a popular banking app, and its MyPay feature provides advances up to $500, which is more than Money App. Plus, it only charges $2 for fast transfers of any amount, and free transfers arrive within 24 hours — quicker than most apps. But you need a Chime Checking account and debit card to qualify, and you have to get paid by direct deposit to your checking account.
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T&C Apply
| Loan Amount | $20 – $500 |
|---|---|
| Turnaround time | Within 24 hours or $2 for instant transfers |
| Costs | No subscription fees |
- Not available in: Colorado, Connecticut, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, Montana, Nevada, New Jersey, New Mexico, South Dakota, Vermont, Washington, Wisconsin, Wyoming
| Loan Amount | $20 – $500 |
|---|---|
| Turnaround time | Within 24 hours or $2 for instant transfers |
| Costs | No subscription fees |
Read review
Best for gig workers
Cleo
Unlike most apps, including Money App, Cleo doesn’t require direct deposit to qualify for advances. It also doesn’t require minimum recurring deposits, making it ideal for gig workers, freelancers and other self-employed people. It offers advances for anyone up to $250, which is the same as Money App, but if you set up direct deposit, you can access up to $500. It charges a monthly fee of $5.99, and fast transfers may cost up to $8.99.
| Loan Amount | $20 – $250 |
|---|---|
| Turnaround time | 3 to 4 days or instant for a fee. |
| Costs | $5.99 monthly membership fee to access cash advances |
| Loan Amount | $20 – $250 |
|---|---|
| Turnaround time | 3 to 4 days or instant for a fee. |
| Costs | $5.99 monthly membership fee to access cash advances |
Read review
Best for flexible repayments
Current
Most apps, like Money App, require repayment by your next paycheck. But Current stands out by giving you up to 34 days to pay it back before it cuts off access to advances. It also offers fee-free overdraft protection up to $100 (for eligible users), and you can use it to trade crypto. Advances can be deposited into your Current account or an external bank account if you prefer. However, you can only request expedited transfers to a Current account, and it doesn’t disclose the fees for fast transfers.
| Loan Amount | $50 – $750 |
|---|---|
| Turnaround time | Up to 3 days or within an hour for a fee |
| Costs | Free |
| Loan Amount | $50 – $750 |
|---|---|
| Turnaround time | Up to 3 days or within an hour for a fee |
| Costs | Free |
Read review
Best for larger advances
Cash App
Cash App Borrow lets you take advances up to $200, which is far more than Money App, and it doesn’t require a monthly subscription, either. It also doesn’t have a fee for fast transfers, like Money App does, because your money is transferred the same day you request it. But one of the downsides of Cash App Borrow is it’s an invitation-only feature — you either have it or you don’t, and you can’t request it. Plus, there’s a 5% transaction fee per advance, and it charges late fees. Still, all its banking features are free to use, and you’ll only incur charges if you need an advance.
| Loan Amount | $20 – $200 |
|---|---|
| Turnaround time | Same day |
| Costs | 5% flat fee |
| Loan Amount | $20 – $200 |
|---|---|
| Turnaround time | Same day |
| Costs | 5% flat fee |
Read review
How does Money App compare
While Money App doesn’t require a monthly membership to qualify for advances, its maximum loan amount is on the loan end at only $250. It also doesn’t have many other features like some apps. Plus, if you have a problem, your only recourse is a chatbot because it doesn’t give out a phone number or email address.
Pros
- No monthly fee
- Advances up to $250
- Sends low balance warnings
Cons
- No contact number or email address
- Max advance is lower than many apps
- Mixed customer reviews
