Best Cash Advance Apps for iPhone of 2026

Branch

Get no-cost instant access to your earned wages at the tap of an app. Download Branch today to take control of your hard-earned cash. Branch is the industry's leading operations platform for hourly employees. Designed to improve workforce productivity and efficiency, Branch features a web dashboard and self-service mobile app that enables business users to create, distribute, and manage schedules. With Branch, employees can also easily view their schedules, set their availability, request time off, swap shifts, and so much more. Branch is used by top enterprises today, including Pizza Hut, McDonalds, Starbucks, Taco Bell, and more. Tired of financial services taking advantage of hard-working people like you? Us too. We’re helping fellow Americans grow financially — and finally get ahead. Stop paying and waiting 3-5 business days for access to your earned wages. Request a portion of your paycheck instantly and use it for unplanned expenses.

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Chime

Welcome to better online banking through Chime. No hidden fees. Get paid up to 2 days early with direct deposit. Grow your savings, automatically. Experience the ease and simplicity of online banking. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Track your account balances, daily transactions, and savings from anywhere with the Chime mobile app. Turn on balance notifications and instant transaction alerts any time you use your Chime Visa® Debit Card. Send money instantly to friends using Pay Friends on our mobile banking app. Chime’s mobile banking app enables you to manage all of your online banking on the go. With over 135,000+ five star reviews in app stores, our mobile app has everything you need with a simple, intuitive design. Tired of waiting for your direct deposit? Open a Chime Spending Account, set up Direct Deposit and you’re automatically eligible to receive your paycheck earlier.

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Payactiv

Help your employees fully engage in both work and life with our all-in-one financial wellness platform that takes a holistic approach in improving financial lives and increasing employee satisfaction. Employees can immediately access money for hours already worked, transfer to their bank, load it on a Payactiv card, or pick up cash at Walmart. They can even use their earned wages to call an Uber and get daily necessities from Amazon. We supply the money so your employees are covered without disrupting your systems. It’s not a loan and there’s no interest, it’s just their money, when they need it. Employees can save money on prescription medications and other everyday items by finding deals in the app’s discount marketplace. Make it easy for employees to know at a glance how much they can put into savings, based on upcoming bills and spending patterns. Free access to financial learning articles and appointments with professional financial coaches.

Starting Price: $0

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Cleo

Cleo is a financial app that offers cash advances up to $250 without interest or credit checks, aiming to provide immediate financial support to users. By subscribing to Cleo Plus or Cleo Builder, users can access this feature, with first-time users typically qualifying for $20 to $100. The app accommodates gig workers and freelancers by not requiring traditional employment verification or minimum recurring deposits. Users can choose between a free standard transfer, which takes 3-4 business days, or an express option for same-day access with a fee ranging from $3.99 to $9.99. Repayment terms are flexible, allowing users to select a date between 3 and 14 days from the advance. Cleo also provides budgeting tools and financial insights to help users manage their finances effectively.

Starting Price: Free

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Brigit

Brigit is a comprehensive financial health app designed to support users in managing their finances with ease. It features Instant Cash, offering advances up to $250 without credit checks or late fees, and a Credit Builder program that helps improve credit scores while encouraging savings. The app also provides tools for budgeting, tracking spending, monitoring bills, and protecting against identity theft with coverage up to $1 million. Additionally, Brigit connects users with job opportunities and exclusive discounts on personal loans and car insurance, making it a valuable resource for improving overall financial well-being.

Starting Price: Free

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MoneyLion

MoneyLion is a financial technology platform designed to help individuals take control of their finances and achieve their financial goals. It offers a range of services, including personal loans, cash advances, credit-building tools, and investment opportunities, all accessible through a user-friendly app. With features like spending accounts, savings tools, and personalized financial insights, MoneyLion aims to make managing money simple and effective. The platform also provides income opportunities and rewards for healthy financial habits, empowering users to build long-term stability. MoneyLion is committed to providing accessible and innovative financial solutions to meet the needs of everyday consumers.

Starting Price: Free

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Klover

Klover is a financial app that provides users with access to cash advances of up to $200 without interest, late fees, or credit checks. By completing activities such as surveys and watching ads, users can earn points to unlock additional features, including larger cash advances and entries into daily sweepstakes. Klover also offers personalized budgeting tools, allowing users to set spending and saving goals, as well as opt-in credit score tracking to enhance financial management. Committed to financial empowerment, Klover leverages consumer-permissioned data to provide these services without hidden fees, ensuring user data is anonymized and securely stored with military-grade encryption.

Starting Price: Free

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Current

Current is a financial technology company offering a mobile app designed to help users manage their finances effectively. Key features include Cash Advance, allowing eligible users to access up to $500 instantly without interest, late fees, or credit checks; Thrive, a line of credit ranging from $200 to $400 aimed at building good credit history; AutoSave, which analyzes income and expenses to automatically set aside savings; and tools for budgeting and credit score monitoring. Current charges an $8 monthly subscription fee for access to its services.

Starting Price: Free

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Gerald

Gerald is a financial technology app designed to provide users with flexible financial solutions, including interest-free cash advances up to $80, enabling individuals to manage unexpected expenses without incurring additional costs. The app also features a Buy Now, Pay Later option, allowing users to purchase essential household items and mobile plans with the convenience of deferred payments, all without hidden fees or interest. Additionally, Gerald offers a Play to Earn feature, where users can engage in games to earn coins, which can be redeemed for store rewards, further enhancing their purchasing power. Committed to inclusivity, Gerald ensures that both members and non-members have access to affordable household shopping, aiming to empower individuals and families to shop smart, save more, and embrace a brighter financial future.

Starting Price: Free

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Wagepay

Wagepay is a premium wage advance service provider designed for Australians who don’t want to wait on an employer-determined pay cycle. By creating an account through their website or mobile app, users can securely link their bank account, allowing Wagepay to verify wages and determine an advance limit. Once approved, funds are transferred instantly via the New Payments Platform (NPP), typically arriving within 60 seconds. Wagepay offers advances up to 25% of a user's regular wage, with a maximum of $2,500 for returning customers. The service operates without conducting credit checks, ensuring that credit scores remain unaffected. Repayments are facilitated through real-time direct debits using PayTo, eliminating delays in payment processing. Wagepay also provides a tiered pricing structure, offering reduced fees for loyal customers, and features a reward points program redeemable for gift cards, travel, and more.

Starting Price: Free

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Beforepay

Beforepay is an Australian financial service that allows users to access up to $2,000 of their earned wages before payday for a fixed 5% fee, with no interest or hidden charges. The application process is straightforward: users download the Beforepay app, securely connect their bank accounts to verify financial health, and, upon approval, receive funds directly into their accounts, typically within minutes. Repayments are aligned with the user's pay cycle and can be spread across up to four installments, providing flexibility and ease of management. Additionally, Beforepay offers a free in-app budgeting tool that creates a personalized budget based on spending behavior, helping users stay on top of their finances. The service is designed to provide ethical lending options, with transparent fees and no impact on credit scores, aiming to empower users with greater control over their financial well-being.

Starting Price: Free

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Wagetap

Wagetap is an instant wage advance app that allows users to access up to $2,000 of their next paycheck in under three minutes, providing a convenient solution for unexpected expenses. By downloading the Wagetap app from the Apple App Store or Google Play Store, users can create an account and, upon verification, withdraw the desired amount, which is then transferred directly to their bank account. Repayment is scheduled for the user's next payday, with no hidden or late fees involved. In addition to wage advances, Wagetap offers a Bill Split feature, enabling users to divide household bills, such as electricity, gas, water, phone, TV, internet, and council rates, into three or four equal payments, depending on the bill's total. This feature helps users manage their finances more effectively by breaking down larger expenses into manageable installments. Wagetap's services are designed to alleviate financial stress by providing quick access to earned wages and flexible bill payments.

Starting Price: Free

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FloatMe

FloatMe is a financial app designed to help members get, manage, and save money. It offers fast cash advances, known as "floats," of up to $50 for new members, with funds typically received within three days. For quicker access, expedited transfers are available within minutes for a small fee. FloatMe does not perform credit checks, ensuring that your credit score remains unaffected. The app also provides overdraft risk alerts to help reduce the risk of overdraft fees and features a Financial Forecast tool that calculates your likely available balance based on recurring expenses and projected pay dates. To securely connect your bank accounts, FloatMe uses Plaid, ensuring strong security measures are in place. Additionally, members have access to exclusive opportunities through a growing list of over 40 partners, aimed at helping users save or make money.

Starting Price: $3.99 per month

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MONEYME

MoneyMe is an Australian financial technology company offering a range of credit products designed to provide quick and convenient access to funds. Their personal loans feature low rates starting from 6.74% p.a., with the possibility of having money in your bank account in as little as 60 minutes. MONEYME provides instant access to credit limits up to $5,000, allowing users to make online purchases, send money to bank accounts, and shop in-store. MoneyMe also offers debt consolidation loans to simplify repayments and reduce interest costs, as well as online car loans for purchasing vehicles. Their application process is entirely online, utilizing advanced technology to assess applications in real time, ensuring fast approvals and flexible repayment options. Additionally, MoneyMe provides a free credit score tool, enabling users to check their credit scores.

Starting Price: Free

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Possible Finance

Possible Finance is a financial technology company offering products designed to provide quick access to funds and help build credit history. The Possible Loan allows users to borrow up to $500 instantly, even with bad credit, and repay over four installments without late or penalty fees. The application process is completed through their secure mobile app or website, and no FICO check is required. Additionally, it offers a $400 or $800 credit limit with no interest or late fees, helping users build a credit history. Possible Finance reports to major credit bureaus, enabling users to improve their credit scores with on-time payments. The company is committed to financial fairness, aiming to guide users toward a better financial future regardless of their past. Build payment history, an important part of credit history, with every on-time payment. Some credit builder loans charge fees, but Possible has no late fees or penalty fees.

Starting Price: Free

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Ingo Money

Ingo Money is a financial technology company specializing in mobile check cashing and deposit risk management solutions. Their services enable consumers and businesses to cash various types of checks, such as payroll, personal, and business checks, remotely through the Ingo Money App, with funds accessible in minutes. The app allows users to link multiple accounts, including bank accounts, prepaid cards, PayPal, and credit cards, providing flexibility in fund allocation. Ingo Money employs advanced risk management analytics and underwriting to ensure secure transactions, offering real-time check approval and fraud detection. For businesses and financial institutions, Ingo Money provides deposit risk technology to support mobile deposit and check cashing features, facilitating safe and efficient fund transfers. Their solutions are designed to reduce deposit losses, grow inbound account funding, and protect both businesses and customers.

Starting Price: Free

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Money App

Money App allows users to access up to $250 instantly. This service provides a convenient way to obtain extra funds when needed. The process is straightforward, enabling users to receive the desired amount promptly. Repayment terms are clearly outlined within the app, ensuring transparency and ease of understanding. Money App is designed to assist users in managing short-term financial needs efficiently.

Starting Price: Free

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MyPayNow

MyPayNow is a financial technology company revolutionizing the traditional pay cycle by offering employees instant access to their earned wages. Through their user-friendly mobile application, individuals can access up to 25% of their paycheck in advance, with a maximum limit of $2,000 per pay cycle. The process is straightforward: users create an account, provide employment and salary details, and upon approval, can request the desired amount. Funds are deposited into the user's bank account within 60 seconds, 24/7, utilizing the New Payments Platform (NPP) technology. Repayments are automatically deducted from the next paycheck, with flexible payment options available for up to 62 days. MyPayNow operates independently of employers, requiring no involvement from them, and does not conduct credit checks, ensuring that credit scores remain unaffected. The platform employs advanced artificial intelligence to assess financial behavior.

Starting Price: Free

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TodayPay

TodayPay is an Australian financial service that provides short-term, interest-free cash advances to help individuals manage unexpected expenses between paydays. By downloading the TodayPay app on iOS or Android devices, users can register and create an account by providing personal information such as name, address, email, and phone number. The app utilizes an artificial intelligence system named "Adam" to evaluate the user's financial situation, including income and spending patterns, to determine eligibility for a loan. Depending on the pay schedule, users can receive a loan for either 7 or 14 days, with available amounts of $100, $150, or $200, based on income. Once approved, the selected amount is transferred to the user's bank account within minutes. Repayment is automatically deducted from the user's account on the next payday, along with a fixed 5% service fee. TodayPay does not conduct credit checks, ensuring that credit scores remain unaffected.

Starting Price: Free

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SocietyOne

MONEYME

SocietyOne is an Australian digital finance platform offering personal loans ranging from $5,000 to $70,000, with comparison rates starting from 8.27%. The application process is entirely online, providing a personalized rate based on your credit profile in as little as two minutes, and the application can be completed in approximately five minutes. Once approved, funds can be disbursed in as little as one business day. SocietyOne offers both secured and unsecured personal loans, with no monthly or early repayment fees, allowing borrowers to choose repayment terms that suit their financial situation. To be eligible, applicants must be at least 18 years old, Australian citizens or permanent residents, have an annual income exceeding $30,000, and maintain a good credit history. Additionally, SocietyOne provides a free credit score service, enabling users to monitor and improve their credit standing.

Starting Price: Free

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Douugh

Douugh is a comprehensive financial app designed to help users budget, spend, and invest responsibly. It offers features such as the Spot Jar, allowing users to borrow up to $2,000 on demand for a fixed $12.99 fee per Spot, with repayment in four weekly installments and no interest or late fees. The app also provides Stockback rewards, enabling users to earn up to 7% in Stockback when they pay upfront or later with Douugh at checkout from a growing selection of online merchants. Additionally, Douugh offers diversified investment portfolios, including US shares and ETFs, allowing users to start investing with as little as $1. The autopilot feature enables users to set up automatic investments, promoting regular contributions to their investment portfolios. Douugh ensures the security of users' funds by holding money in segregated accounts with licensed banks in Australia and employing state-of-the-art data encryption and in-app biometric security for all transactions.

Starting Price: $12.99 per month

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Buddy Loan

Buddy Loan is India's largest loan aggregator platform, offering personal loans with interest rates starting at 11.99% per year. The application process is entirely online, requiring minimal documentation, and provides quick approval, often within minutes. Borrowers can select flexible repayment tenures ranging from 6 months to 5 years, allowing them to tailor repayments to their financial situation. Buddy Loan collaborates with over 30 banks and non-banking financial companies, ensuring a high loan approval rate and competitive interest rates. The platform caters to both salaried professionals and self-employed individuals, with eligibility criteria including a minimum monthly income and a credit score. Additionally, Buddy Loan offers various loan types, such as marriage loans, travel loans, medical loans, and education loans, addressing diverse financial needs.

Starting Price: Free

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Fibe

One solution for all life’s big and small upgrades. From planning your dream birthday trip to learning a new skill, you can do it all with a Fibe loan. It’s quick, safe and simple. You can sort out your finances anytime, anywhere, no questions asked. Fibe is India's largest instant personal loan and salary advance platform, offering quick cash loans of up to ₹5 lakhs directly into your bank account within minutes. The application process is entirely digital, requiring minimal documentation, and provides instant approval. Fibe's personal loans are collateral-free, with flexible repayment tenures ranging from 3 to 36 months. The platform also offers an EMI calculator to help users determine their monthly installments based on loan amount, interest rate, and tenure. To be eligible, applicants must be between 19 to 55 years old, with a minimum in-hand salary of ₹25,000 per month, and be residents of India.

Starting Price: Free

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Freo

Freo is an all-in-one financial app designed to empower users to manage their finances seamlessly. With Freo UPI, users can scan and pay effortlessly, enjoying fast and reliable 24/7 instant transfers, including the option to pay using credit on UPI with RuPay, ensuring safe and secured transactions. The platform offers insurance plans exclusive to Freo users, covering real-life situations such as dengue, malaria, hospitalization, accidents, and digital fraud, with affordable plans starting at just ₹129 and simplified claims processes. For investment options, Freo provides fixed deposits with returns up to 9.1% and the flexibility of no lock-in period, allowing users to start with as little as ₹1,000, in partnership with trusted banks. Additionally, users can invest in 24k digital gold instantly, with the security of physical gold stored in bank-grade vaults, and the option to start with just ₹10.

Starting Price: $1.50 per month

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Dhani

Dhani's no-EMI Personal Loan is a unique offering that can be availed at no interest and zero processing fees. It offers you the convenience of no-EMIs with only the principal amount to be paid back after 90 days. Not just this, Dhani comes bundled with expansive health benefits. Customers are also provided with a health subscription that gets them access to unlimited doctor consultations and 50% off on medicines. Top benefits include no EMIs, 0% interest, unlimited doctor consultations, discounted medicines, no processing fee & other charges, and a free Dhani RuPay card accepted at over 3 million online & offline merchants. Applying for the Dhani personal loan involves downloading the Dhani app, applying for the loan using Aadhaar or opting for a 'document upload' option, completing your bank mandate, and receiving instant personal loan disbursal.

Starting Price: $4.06 per month

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KreditBee

KreditBee is a FinTech Platform that facilitates instant personal loans to professionals, where they can avail loans up to ₹4 as per their requirement. With a strong focus on online tech-based and data-centric KYC, KreditBee envisions solving the financial inclusion gap in the varied demographic segments of the country. The company serves the credit and other personal finance requirements through its in-house RBI-registered NBFC - Krazybee Services Private Limited along with partnerships with over 10 renowned financial institutions. The company currently serves 10 million customers across the country. KreditBee provides various loan products, such as personal loans, loans for salaried and self-employed individuals, and business loans, catering to diverse financial needs. The platform ensures a secure and hassle-free borrowing experience, with services available 24/7.

Starting Price: Free

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slice

North East Small Finance Bank Ltd

slice’s purpose is to make the world better at using money and time, with a major focus on providing the best consumer experience. We believe that the best product will always transcend customer demographics, like how great music touches most of us. slice app brings a fast and simple way to make payments and access credit with its cornerstone products, slice account, slice UPI, and slice borrow. The slice app offers a range of features, including UPI payments, allowing users to pay and receive money quickly and securely without advertisements. Additionally, users can borrow funds as needed, with flexible repayment plans designed to enhance credit scores. The app also incorporates a rewards system where users earn "fire" on every transaction, which can be used to play and win cashback. slice emphasizes security, employing advanced anti-fraud detection models and encrypting personal and financial details to ensure user safety.

Starting Price: Free

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Navi

Navi, your all-in-one financial super-app designed for diverse financial needs, offers a range of services for your convenience. From lightning-fast UPI payments to smart investments in mutual funds and gold, quick cash loans, reliable health insurance coverage, and effortless home loans, Navi has you covered. Download the Navi app and unlock a world of possibilities for your financial well-being. Instantly transfer money to anyone, anytime. Conveniently scan and pay at any store. Seamlessly make online payments on various apps. Enjoy hassle-free payments with Navi UPI Lite, no PIN is required. Diversify your portfolio with domestic and international funds. Flexible investment options with weekly/monthly SIP. One of the lowest expense ratios for affordable investing. Safeguard yourself and your family's financial future with Navi Health Insurance. Choose from flexible loan tenures of up to 84 months.

Starting Price: Free

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KOHO

KOHO is one seamless platform for your money and life. We are a forward-thinking fintech company dedicated to financially empowering a generation of Canadians. With a Mastercard and innovative tools, we provide our users with the ability to earn, spend, borrow, build credit, and budget, all in one convenient app. Driven by a genuine desire to help people make financial progress, KOHO has touched the lives of over 1.7 million users. Our mission is to make finance accessible, engaging, and user-friendly, ensuring that everyone has the resources they need to take control of their financial future. We insure deposits up to $100K with CDIC coverage and keep your money locked up tight. We take the necessary steps to protect your account. We use 256-bit encryption, which is exactly what the banks use. We’re proud to offer a product that our users love, and we remain committed to innovating and evolving to meet their needs.

Starting Price: $9 per month

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Woveo

Woveo is a community-powered financial platform designed to empower small businesses by providing access to affordable credit, quick cash advances, and tools to build a strong credit history within a supportive network. Through finance groups, businesses can access up to $10,000 in low-cost credit, while cash advances up to $1,500 help manage unexpected expenses effortlessly. The platform also offers a secure digital wallet to manage funds, monitor credit scores, and access loans seamlessly. Woveo partners with cities to empower local small businesses and foster economic growth, believing in the strength of the community to drive business success. Store and manage your funds with ease in Woveo’s secure community wallets. Keep track of group contributions, withdrawals, and balances all in one place. Support for multiple payment methods, including new cashout options via Interac, makes transactions seamless and efficient.

Starting Price: Free

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Best Cash Advance Apps for iPhone

Compare the Top Cash Advance Apps for iPhone as of January 2026

What are Cash Advance Apps for iPhone?

Branch

Chime

Payactiv

Cleo

Brigit

MoneyLion

Klover

Current

Gerald

Wagepay

Beforepay

Wagetap

FloatMe

MONEYME

Possible Finance

Ingo Money

Money App

MyPayNow

TodayPay

SocietyOne

Douugh

Buddy Loan

Fibe

Freo

Dhani

KreditBee

slice

Navi

KOHO

Woveo

Best Cash Advance Apps for iPhone

Compare the Top Cash Advance Apps for iPhone as of January 2026

What are Cash Advance Apps for iPhone?

Branch

Chime

Payactiv

Cleo

Brigit

MoneyLion

Klover

Current

Gerald

Wagepay

Beforepay

Wagetap

FloatMe

MONEYME

Possible Finance

Ingo Money

Money App

MyPayNow

TodayPay

SocietyOne

Douugh

Buddy Loan

Fibe

Freo

Dhani

KreditBee

slice

Navi

KOHO

Woveo

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