Options for Fast Cash in 2025

Cleo offers three levels of service. For free, members can request a cash advance through customer support, and qualify for $20 to $70 advances at first, eventually qualifying for up to $250 in advances. Advances are easier to request through the app if you pay the $5.99 monthly subscription fee, which also comes with personal financial management tools.

If you’re willing to pay $14.99 per month, you can access credit builder tools, which includes a secured credit card, early access to your paycheck and up to $500 in emergency cash advance if you set up direct deposits. And Cleo reports to all three credit bureaus, which can help you build credit if you keep up on your payments.

• Cleo offers three levels of service. For free, members can request a cash advance through customer support, and qualify for $20 to $70 advances at first, eventually qualifying for up to $250 in advances. Advances are easier to request through the app if you pay the $5.99 monthly subscription fee, which also comes with personal financial management tools.

  If you’re willing to pay $14.99 per month, you can access credit builder tools, which includes a secured credit card, early access to your paycheck and up to $500 in emergency cash advance if you set up direct deposits. And Cleo reports to all three credit bureaus, which can help you build credit if you keep up on your payments.

• Pros

  
  
  
  
  
  • New advance available 24 hours after payoff

  
  
  
  
  
  
  

  • One-time due date extension

  
  
  
  
  
  
  

  • Budgeting and saving tools through app

  
  
  
  
  
  
  

  • Build credit with Credit Builder subscription

  
  
  
  

  Cons

  
  
  
  
  
  • $5.99 to $14.99 monthly subscription fee

  
  
  
  
  
  
  

  • Non-subscribers must contact customer service to apply for cash advances

  
  
  
  
  
  
  

  • $3.99 express fee for same-day funding

  
  
  
  

• Loan amount	Up to $250
  Loan Term	Next deposit
  Turnaround time	3 to 4 days or instant for a fee.

EarnIn is a cash advance app that lets you borrow up to $750 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps, and unlike payday loans, there’s no interest or financing fees to use Cash Outs.

To qualify for EarnIn Cash Outs, you need to be employed, have regular direct deposits and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account or more than $150 per day to an EarnIn card. Regular transfers are available in one to three business days or in minutes for a fee.

• Not available in: Connecticut

• EarnIn is a cash advance app that lets you borrow up to $750 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps, and unlike payday loans, there’s no interest or financing fees to use Cash Outs.

  To qualify for EarnIn Cash Outs, you need to be employed, have regular direct deposits and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account or more than $150 per day to an EarnIn card. Regular transfers are available in one to three business days or in minutes for a fee.

• Pros

  
  
  
  
  
  • No credit check required

  
  
  
  
  
  
  

  • No interest or mandatory tipping

  
  
  
  
  
  
  

  • Free credit score tracking included

  
  
  
  
  
  
  

  • Cash Out more than $150 per day with an EarnIn card

  
  
  
  

  Cons

  
  
  
  
  
  • Verification of employment earnings required

  
  
  
  
  
  
  

  • Same-day (Lightning) transfers attract a fee

  
  
  
  
  
  
  

  • Can only qualify with employment income

  
  
  
  
  
  
  

  • Not ideal for gig workers

  
  
  
  

• Loan amount	Up to $150/day, with a max of $750 between paydays
  Loan Term	1 to 4 weeks
  Turnaround time	1 to 2 business days or within 30 minutes for a fee

Albert is a banking app that offers cash advances up to $1,000. What sets it apart from other cash advance apps is the quick delivery option and no membership requirement. For a small fee of $6, you can get instant delivery of your cash advance. While you don’t need the paid membership to access the cash advances, new users are automatically enrolled in the paid plan and have 30 days to cancel their membership before being charged.

If you decide to stick with the paid membership called Genius, it’s $96 per year and you can get instant delivery of your advances for free. However, Albert doesn’t have the best reputation on review platforms, with many customers complaining that it was difficult to cancel their Genius enrollment. Customer support appears to be lacking — they don’t have a customer service phone line.

• Albert is a banking app that offers cash advances up to $1,000. What sets it apart from other cash advance apps is the quick delivery option and no membership requirement. For a small fee of $6, you can get instant delivery of your cash advance. While you don’t need the paid membership to access the cash advances, new users are automatically enrolled in the paid plan and have 30 days to cancel their membership before being charged.

  If you decide to stick with the paid membership called Genius, it’s $96 per year and you can get instant delivery of your advances for free. However, Albert doesn’t have the best reputation on review platforms, with many customers complaining that it was difficult to cancel their Genius enrollment. Customer support appears to be lacking — they don’t have a customer service phone line.

• Pros

  
  
  
  
  
  • No credit check required

  
  
  
  
  
  
  

  • Gives you 10 days to repay the overdraft

  
  
  
  
  
  
  

  • Saves you from overdraft fees

  
  
  
  

  Cons

  
  
  
  
  
  • No customer service phone number

  
  
  
  
  
  
  

  • Mixed customer reviews

  
  
  
  

• Loan amount	Up to $1,000
  Loan Term	Within 6 days of overdraft, with possible 7-day extension
  Turnaround time	Instant

Brigit offers cash advances up to $250 per pay period for a monthly $8.99 to $14.99 monthly membership fee fee. And if your bank balance is low, it offers free repayment extensions on advances and in-app alerts to let you know if you’re at risk of overdraft – or you can set it to transfer funds to your account automatically.

To extend your due date, go into the app and choose another repayment date. But to get an extension, you need to have at least two prior consecutive on-time payments. And while its advance limits are lower than some apps, Brigit’s monthly fee includes a credit builder program and up to $1 million in identity theft protection.

• Brigit offers cash advances up to $250 per pay period for a monthly $8.99 to $14.99 monthly membership fee fee. And if your bank balance is low, it offers free repayment extensions on advances and in-app alerts to let you know if you’re at risk of overdraft – or you can set it to transfer funds to your account automatically.

  To extend your due date, go into the app and choose another repayment date. But to get an extension, you need to have at least two prior consecutive on-time payments. And while its advance limits are lower than some apps, Brigit’s monthly fee includes a credit builder program and up to $1 million in identity theft protection.

• Pros

  
  
  
  
  
  • Overdraft alerts and protection

  
  
  
  
  
  
  

  • No interest cash advances

  
  
  
  
  
  
  

  • Available in all states

  
  
  
  
  
  
  

  • Credit building tools

  
  
  
  
  
  
  

  • Identity theft protection feature

  
  
  
  

  Cons

  
  
  
  
  
  • $8.99 to $14.99 monthly membership fee monthly membership

  
  
  
  
  
  
  

  • No customer phone service number

  
  
  
  
  
  
  

  • No joint bank accounts

  
  
  
  

• Loan amount	$50 to $250
  Loan Term	Until your next payday, but can extend
  Turnaround time	1 to 3 business days or instant with a Premium subscription or for a fee.

If you need more than a couple hundred dollars and have fair credit, consider Avant. It offers personal loans up to $35,000 with APRs starting at 9.95%. The minimum credit score requirement is only 550, and it also accepts self-employment income. You can prequalify with a soft credit check as well.

However, you’ll pay an administrative fee up to 9.99% when you take out the loan. And in 2021, Avant ran into trouble with regulators and had to pay $1.6 million over its debt collection practices. There are also over 1004 customer complaints on its BBB profile.

• Not available in: Iowa, Kentucky, Massachusetts, Michigan, Montana, Virginia, West Virginia

• If you need more than a couple hundred dollars and have fair credit, consider Avant. It offers personal loans up to $35,000 with APRs starting at 9.95%. The minimum credit score requirement is only 550, and it also accepts self-employment income. You can prequalify with a soft credit check as well.

  However, you’ll pay an administrative fee up to 9.99% when you take out the loan. And in 2021, Avant ran into trouble with regulators and had to pay $1.6 million over its debt collection practices. There are also over 1004 customer complaints on its BBB profile.

• Pros

  
  
  
  
  
  • Low 550 credit score requirement

  
  
  
  
  
  
  

  • Prequalify with soft credit check

  
  
  
  
  
  
  

  • Lower APRs than Advance America

  
  
  
  
  
  
  

  • Accepts self-employment income

  
  
  
  

  Cons

  
  
  
  
  
  • Lawsuit in 2021

  
  
  
  
  
  
  

  • Over 1004 BBB complaints

  
  
  
  
  
  
  

  • 9.99% administrative fee

  
  
  
  

• Loan amount	$2,000 to $35,000
  APR	9.95% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	550
  Turnaround Time	As soon as the next business day
  Loan Term	24 to 60 months

OneMain Financial doesn’t have any set credit score requirements, making it an option for borrowers with steady income and rocky credit histories. Rates are high for a personal lender, starting at 18% APR, but that’s still lower than Advance America. There is an origination fee of 1% to 10%, deducted from your loan amount, which can be up to $20,000.

OneMain also offers secured and unsecured personal loans, so if you want a chance at a lower rate, you can secure your loan with a qualifying asset. It’s available in most states, has over 1,000 physical branches across 44 states and offers same-day turnaround.

• Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont

• OneMain Financial doesn’t have any set credit score requirements, making it an option for borrowers with steady income and rocky credit histories. Rates are high for a personal lender, starting at 18% APR, but that’s still lower than Advance America. There is an origination fee of 1% to 10%, deducted from your loan amount, which can be up to $20,000.

  OneMain also offers secured and unsecured personal loans, so if you want a chance at a lower rate, you can secure your loan with a qualifying asset. It’s available in most states, has over 1,000 physical branches across 44 states and offers same-day turnaround.

• Pros

  
  
  
  
  
  • All credit types considered

  
  
  
  
  
  
  

  • Lower APRs than Advance America

  
  
  
  
  
  
  

  • Unsecured and secured loan options

  
  
  
  
  
  
  

  • Available in most states

  
  
  
  

  Cons

  
  
  
  
  
  • Origination fee up to 10%

  
  
  
  
  
  
  

  • High APRs for personal lender

  
  
  
  

• Loan amount	$1,500 to $20,000
  APR	18% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Not specified
  Turnaround Time	As soon as one hour
  Loan Term	24, 36, 48 or 60 months

Cash App is a top-ranking app in app stores, and for good reason. It has a simple peer-to-peer (P2P) payment system, multiple banking features, investing options, and its newest feature is Cash App Borrow. Qualifying users can borrow from $20 to $200 within the app, but there is a 5% interest rate and must be repaid within four weeks.

However, the Borrow feature is in its pilot phase, so not everyone will have access and eligibility is not clear just yet. According to Cash App representatives, it’s limited in state availability, the most active users may have better odds of getting access and you need a certain credit score to qualify.

• Cash App is a top-ranking app in app stores, and for good reason. It has a simple peer-to-peer (P2P) payment system, multiple banking features, investing options, and its newest feature is Cash App Borrow. Qualifying users can borrow from $20 to $200 within the app, but there is a 5% interest rate and must be repaid within four weeks.

  However, the Borrow feature is in its pilot phase, so not everyone will have access and eligibility is not clear just yet. According to Cash App representatives, it’s limited in state availability, the most active users may have better odds of getting access and you need a certain credit score to qualify.

• Pros

  
  
  
  
  
  • Simple P2P system

  
  
  
  
  
  
  

  • Crypto buying feature

  
  
  
  
  
  
  

  • No paid membership

  
  
  
  
  
  
  

  • Top-ranked app

  
  
  
  

  Cons

  
  
  
  
  
  • Low $200 maximum advance

  
  
  
  
  
  
  

  • Interest charges

  
  
  
  
  
  
  

  • Borrow feature in pilot phase

  
  
  
  

• Loan amount	$20 to $200
  Loan Term	Same day
  Turnaround time	Same day

Tally calls itself a debt-fighting app, and it offers a line of credit specifically tailored for credit card debt consolidation. The line of credit is up to $20,000, which Tally can send directly to your creditors. There are no prepayment penalties or origination fees.

There are three Tally membership tiers, but you don’t need a paid membership to get the line of credit. However, the paid membership Tally+ offers rate discounts and possibly access to a larger line of credit — if you’re willing to shell out $300 per year. Alongside the line of credit, Tally also offers credit card management features and late fee protection to help you stay out of debt.

• Available in: Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Idaho, Illinois, Iowa, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Jersey, New Mexico, New York, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin

• Tally calls itself a debt-fighting app, and it offers a line of credit specifically tailored for credit card debt consolidation. The line of credit is up to $20,000, which Tally can send directly to your creditors. There are no prepayment penalties or origination fees.

  There are three Tally membership tiers, but you don’t need a paid membership to get the line of credit. However, the paid membership Tally+ offers rate discounts and possibly access to a larger line of credit — if you’re willing to shell out $300 per year. Alongside the line of credit, Tally also offers credit card management features and late fee protection to help you stay out of debt.

• Pros

  
  
  
  
  
  • No membership required

  
  
  
  
  
  
  

  • Large line of credit

  
  
  
  
  
  
  

  • Sends funds to creditors

  
  
  
  
  
  
  

  • Debt management features

  
  
  
  
  
  
  

  • No prepayment penalty or origination fees

  
  
  
  

  Cons

  
  
  
  
  
  • $300 yearly membership for largest loan

  
  
  
  
  
  
  

  • May be additional fees with line of credit

  
  
  
  

• Loan amount	$2,000 to $20,000
  APR	7.90% to 29.99%
  Interest Rate Type	Variable
  Min. credit score	660

Possible Finance is an app that lets you borrow short-term installment loans up to $500. Terms are very short, only lasting up to two months, and funding can be as soon as one business day. Rates vary by state but plan on paying around $15 to $20 per $100 borrowed, which can work out to APRs as high as 460%.

There’s no credit check, repayments align with your pay schedule and Possible Finance gets decent customer reviews. However, Possible Finance has limited state availability — it’s only available in 18 states. With rates as high as 460%, it’s also a high-cost loan.

• Available in: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington

• Possible Finance is an app that lets you borrow short-term installment loans up to $500. Terms are very short, only lasting up to two months, and funding can be as soon as one business day. Rates vary by state but plan on paying around $15 to $20 per $100 borrowed, which can work out to APRs as high as 460%.

  There’s no credit check, repayments align with your pay schedule and Possible Finance gets decent customer reviews. However, Possible Finance has limited state availability — it’s only available in 18 states. With rates as high as 460%, it’s also a high-cost loan.

• Pros

  
  
  
  
  
  • No credit check

  
  
  
  
  
  
  

  • Fast funding

  
  
  
  
  
  
  

  • Good customer reviews

  
  
  
  
  
  
  

  • Reports payments to credit bureaus

  
  
  
  

  Cons

  
  
  
  
  
  • High APRs

  
  
  
  
  
  
  

  • Limited state availability

  
  
  
  
  
  
  

  • Low borrowing amount

  
  
  
  

• Loan amount	$50 – $500
  Interest rate type	Fixed
  APR	150% to 460%
  Loan Term	2 to 8 weeks
  Turnaround time	As fast as 1 business day