Cash Advance Apps—No Credit Check

Whether you're in an emergency or have minor bills to take care of until the next payday, instant cash advance apps can give you the money you need. You can also apply for a cash advance through WeLoans and we will connect you to a panel of lenders within minutes!

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Kiplangat BettFinancial Writer

Jul 27.2022. Filed under: Cash Advance Hub

Best 5 Cash Advance Apps with No Credit Check

Cash advance apps allow you to access part of your paycheck early from wherever you are and with minimal hassle. And many of them don’t perform credit checks, so you can get the funds irrespective of what your credit history looks like.

Check out the top 5 cash advance apps with no credit check you can use.


Brigit is a lending cash advance app that can get you any amount ranging from $50 to $250. However, to access the loans, you’ll have to subscribe to a paid plan that goes for $9.99 per month.

Also, if you apply for the cash advance before 10 a.m. ET, you may get your money on the same day. Otherwise, you'll get your money the following business day. The repayment date is set according to your next payday.

Besides, Brigit offers an auto-advance feature, where it will automatically fund your account if the balance isn't enough to cover upcoming expenses. This way, you don't have to worry about overdraft fees.


The amount of money you can get with Dave depends on whether you have a Dave spending account or not. Customers without the account can get a cash advance of $5 to $100, while those with the account can get $5 to $200.

Dave comes with several optional costs, including:

    • A monthly membership fee of $1.
    • An express fee to get your loan faster (ranges from $1.99 to $5.99 depending on the loan amount).
    • Optional tip from the money borrowed.

Getting a cash advance loan from Dave often takes up to three days. But if you’ve paid the express fee to receive your loan faster, you may have your money within eight hours. The payment date will be on your next payday.


Earnin allows you to apply for a cash advance of up to $100 per day and up to $500 before your next paycheck. This comes in handy if you need more than one cash advance loan before your paycheck.

Another good thing is that there aren’t any mandatory fees required for you to access a loan with Earnin. However, you can pay an optional tip (capped at $14) if you want to support the company.

Typically, you can get your money in one to three business days. But if you want to receive the funds in minutes, you can use the lightning speed feature for a small cost of $1.99 to $3.99.

Additionally, Earnin has a feature that alerts you when your account balance is low and an option to top it up. This can prevent an overdraft.


The Empower app allows you to borrow up to $250 on your paycheck.

To get an instant cash advance, you'll need an Empower checking account. With this, the money is sent to you immediately after the cash advance is approved. If you want the funds sent to an external account, a small fee of $3 is required, and the money may not get to you on the same day.

Moreover, Empower offers a free trial period of 14 days, after which you pay a monthly membership fee of $8. This membership fee is not a requirement for anyone who wants a cash advance, but you'll need to pay it for additional features in the app like online budgeting and recommendations.


MoneyLion is another cash advance app with no credit check that allows you to borrow money from $25 to $250. However, you'll require a MoneyLion checking account to get the larger amounts.

Generally, taking a cash advance with MoneyLion is free. However, you might need to pay a fee if you want instant loan delivery. If you have a MoneyLion checking account, the fee ranges between $0.99 and $5.99, but without the account, the fee ranges between $1.99 and $7.99.

If you opt not to pay the instant loan delivery fee, the money will take 12 to 48 hours(with a MoneyLion checking account) or three to five business days(without a MoneyLion checking account) to get to you.

Pros and Cons of No Credit Check Cash Advance Apps

Cash advance apps allow you to get the money you need quickly and conveniently. However, they also have several drawbacks. Below are the pros and cons of using cash advance apps.


  • Get instant cash: Some apps deposit money into your account within minutes of your application. You can rely on them to cover an emergency.
  • Benefit from additional features: Most apps have other useful features like budgeting tools and overdraft warnings.
  • They are cheaper than overdraft fees: If you are torn between paying an overdraft fee and taking a cash advance, consider the latter as it’s cheaper.


  • May promote bad spending habits: Because borrowing money from cash advance apps is easy, some people may borrow the money even when they don’t need it.
  • May cause a bank overdraft: Some apps don't warn you when there is insufficient money in your account to cover upcoming expenses. They will repeatedly attempt to withdraw funds, causing an overdraft fee.

Alternative options to Cash Advance Apps with No Credit Check

It's recommended to consider all your options before taking a cash advance through an app, as you may even get the loan you need at a lower cost. Some options to consider include:

Online Payday Loans

You can apply for a payday loan through an online lender or broker. If you choose to work with an online broker like WeLoans, you can have the money you need in as little as 24 hours. And your loan request can be approved even if you have a bad credit history. All you need to do is fill out a simple online application form, and we will connect you with a certified payday lender.

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Online Personal Loans

You may also qualify for personal loans from online lenders. These are usually unsecured, fixed-rate loans that you can use to cover any needs you might have. You will also get the money within a few business days. The only downside is that most lenders check your credit score to determine loan terms and interest rates.

Credit Union Loans

Getting loans from a credit union is an option as long as you are an active member of the union. Most credit unions will offer personal loans at a rate of 18% or below, and you may be able to get a loan of up to $500. Keep in mind that your credit score may be a factor in the loan decision.

Borrowing from Family and Friends

If you have no problem borrowing money from family and friends, this may be one of the easiest ways to get money. There are no loan fees, credit checks, forms to fill out, or strict repayment terms. The only drawback is that you don't get to keep your financial issues private.

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