Top 15 Cash Advance Apps No Credit Check 2024

We have a lot of cash advance apps no credit check that can give you immediate access to your early wage before your payday. If you need to get money quickly, a cash advance application might be a good option for you, but getting one that gives cash advance without a credit check can be hard to find because they use credit scores to determine your qualification for a loan.

In today’s post about Cash Advance apps with no credit check, I’ll show you exactly some really good apps that can give you money instantly no credit check. These applications allow you to request and receive funds within 24 hours. There are many different cash advance applications available on the market, each with its own unique set of features and benefits.

Top 15 Cash Advance Apps No Credit Check 2024

Below are the top cash advance apps with no credit check.

1. CashNetUSA

CashNetUsa is one of the popular cash advance apps with no credit check. The app offers payday loans as high as $600, with an APR that ranges between 149% to 579%, you only pay interest on what you use.

The technology CashNetUsa uses is an approval process that uses your account credit info rather than your FICO score, this means people with low FICO scores can still get loans, all you need to qualify is an active checking account that will accept an electronic transfer of funds.

CashNetUSA loans are available in 29 states of the United States, and the types of loans offered, vary by state. Since CashNetUSA is not available in all states, feel free to check their website if they are available in your state and what loans are offered. 

Pros of CashNetUSA

• Same-day funding available
• Coupon codes available
• There’s no minimum credit score to apply

Cons of CashNetUSA

• Loan costs vary by state
• A high volume of BBB complaints
• APRs can reach 579% in some states

2. MoneyLion

As one of the best cash advance apps with no credit checks, MoneyLion offers cash advance loans with competitive interest and flexible repayment terms. The loan funds are deposited into your local bank account within a few business days after approval, but users can also receive their loan in minutes for a fee if they are any urgent need for it.

It has a very unique approval process by checking your bank account cash inflow and outflow to determine if you qualify for a cash advance.

Pros

• May be cheaper than an overdraft fee.
• 0% Account fees for ATMs and Overdrafts
• Premium investment accounts with no minimum deposit required
• Up to 12% cash back on purchases

Cons

• Requires active bank account access and a verifiable source of income.
• May take up to five days for some users to receive funds.
• It can take months to qualify for higher loan amounts

3. Brigit

Brigit is another great cash advance app that does not check your credit scores. As a subscription-based app, Brigit charges a monthly fee of $9.99 and lets users borrow up to $250 cash advance and spread repayment in installments. Like MoneyLion, Brigit checks your bank account cash inflow and outflow to determine if you qualify for a cash advance.

Pros

• May be cheaper than an overdraft fee.
• Offers credit-building tools and identity theft protection.

Cons

• Requires access to your bank account.
• There’s a monthly fee. Brigit charges a monthly fee of $9.99 to access its services, which can be a significant cost for some users.
• The user must have a checking account that is at least 60 days old and at least three recurring deposits from the same deposit source

4. Dave

Dave is a mobile app well known for its ExtraCash feature, which offers a cash advance of up to $500, with no interest and no credit check. Users can connect their bank accounts, track expenses, and receive alerts when their balance is low. The app charges a monthly subscription fee of $1. 

One of the major prerequisites to qualify for a cash advance on the Dave app is that you must have a steady source of income, an active checking account with a positive balance, good standing with your bank account, and be located in the United States. However, meeting these criteria does not guarantee approval as other factors may be considered.

Pros:

• Quick and convenient: The process of getting a cash advance through the Dave app is typically fast and convenient. You can request an advance from your phone, and if you’re approved, the funds are deposited directly into your bank account.
• No credit check: Dave doesn’t perform a credit check when you request an advance, so your credit score won’t be affected.
• Low fees: The app charges a small fee for cash advances, which is often lower than other payday loan options.
• Budgeting tools: The app also provides budgeting tools to help you manage your finances and avoid future cash shortages.

Cons:

• Limited amount: The amount you can borrow through the app is generally limited, usually up to $100. This may not be enough to cover your expenses if you’re facing a larger financial crisis.
• Eligibility requirements: You must meet certain eligibility criteria to qualify for a cash advance through the app, such as having a steady income source and an active checking account.
• Fee-based service: Although the fees for using Dave are typically lower than other payday loan options, they still represent an added cost to the user.
• Account linking: To use the app, you need to link your bank account, which may raise concerns about data privacy and security.

5. Earnin

The Earnin app is designed to help people access their paychecks early, manage their cash flow, and save money. It offers features like “Cash Out,” “Balance Shield,” “Lightning Speed,” and “Tip Yourself”. Overall, it is an excellent tool for people who live paycheck to paycheck and need help managing their finances.

Pros:

• Low balance alert
• No monthly fee 

Cons:

• The amount you can cash out is limited by your pay rate, pay period, and other factors.
• The app requires users to have a steady income and a checking account.
• Some users have reported difficulty with the app’s verification process.

6. PayActiv

PayActiv is another great cash advance apps no credit check in the US. As a mobile app that offers an alternative to traditional payday loans for people who need access to their paychecks early, PayActiv also helps you pay for your shopping while you repay in installments of up to 4 times.

The app features include ASAP Pay, Bill Pay, and Savings Tool to help users manage their finances effectively. The app also provides financial wellness tools and resources, such as a financial wellness score, financial coaching, and access to educational resources about managing money.

Pros:

• PayActiv allows users to access their earned wages early without any interest or fees.
• The app provides a range of financial wellness tools and resources to help users manage their finances effectively.
• The Bill Pay feature helps users avoid late fees by paying bills directly from the app.
• The Savings Tool feature helps users save money by automatically setting aside a portion of their paycheck into a savings account.
• The app is free to download and use, and there are no hidden fees associated with any of the features.

Cons:

• The amount users can access is limited to a certain percentage of their earned wages.
• The app may require users to have a steady income and a checking account.
• Some users have reported difficulty with the app’s verification process.
• The app may encourage users to rely too heavily on accessing their paycheck early, rather than working to improve their overall financial situation.

7. Speedy Cash

Speedy Cash is a lending company that offers payday loans, installment loans, lines of credit, and other financial services such as check cashing and prepaid debit cards. The company provides same-day funding for many of its products, making it a useful option for people who need quick access to cash.

To qualify for a loan or financial product with Speedy Cash, applicants generally need to meet certain criteria, such as being at least 18 years old, having a steady source of income, providing valid identification, having an active checking account, and possibly meeting certain creditworthiness requirements. The specific eligibility criteria may vary by location and product, so it’s best to check with Speedy Cash directly to determine if you qualify.

Pros:

• Speedy Cash provides quick access to cash, with many of its products offering same-day funding.
• The company offers a range of financial products and services, including payday loans, installment loans, lines of credit, and other services such as check cashing and prepaid debit cards.
• Speedy Cash does not require a credit check for most of its products, making it more accessible to people with poor credit or no credit history.
• The application process is simple and can be done online or in-store, depending on the product and location.
• The company has a wide network of locations, with stores in many states across the US.

Cons:

• Payday loans and other high-interest financial products offered by Speedy Cash can be expensive and may lead to a cycle of debt if not managed carefully.
• The company’s products may not be available in all states, and eligibility criteria may vary by location and product.

8. MoneyKey

MoneyKey is an online lender that offers various types of loans, including installment loans, payday loans, and lines of credit. The application process is easy and fast, with loans usually funded within one business day.

MoneyKey offers flexible repayment terms and does not charge any prepayment penalties. However, the interest rates can be high, and some loans have short repayment terms. 

Pros:

• The application process for a loan with MoneyKey is straightforward and can be completed online in just a few minutes.
• MoneyKey offers flexible repayment terms for its installment loans and lines of credit, allowing you to choose the repayment schedule that works best for you.
• No prepayment penalties

Cons:

• High-interest rates
• MoneyKey’s payday loans and some installment loans have short repayment terms, which can make it difficult to pay off the loan in full.
• Limited loan amounts: MoneyKey offers loans up to $5,000, which may not be enough for some borrowers’ needs.

9. Advance America

Advance America allows customers to manage their personal loans and access other financial services on the go. The app is easy to use and offers a simple and intuitive interface that makes it easy to apply for loans, make payments, and track payment history.

One of the key benefits of the Advance America app is its speed and convenience. Customers can apply for loans through the app in just a few minutes, and receive a decision on their application within seconds. Once approved, funds can be deposited directly into the customer’s bank account, often within one business day. This makes the app an ideal solution for customers who need to access cash quickly and easily.

Pros:

• Customers can apply for loans and receive funds quickly and easily through the app.
• In addition to loans, the app also offers access to other financial services such as money transfers, bill payments, and checks to cash.

Cons:

• High-interest rates and fees
• The app only offers a few loan options, which may not be suitable for all borrowers.
• Borrowers who are unable to repay their loans on time may incur additional fees and interest charges.

10. Check Into Cash

Check Into Cash is a payday lender offering payday loans of up to $1,000 to borrowers with bad credit which you can repay in bi-weekly or monthly payments and there is no penalty for early payment. 

The application process for a loan with CheckIntoCash begins online where applicants complete a quick application. If you have all your information the application should take less than 10 minutes. Once approved, Funds can be transferred to your account the next business day.

11. Empower Cash Advance

Empower Cash Advance is a financial company offering up to $250 cash advance without interest. Empower’s goal is to allow anyone to improve their financial security.

With over 60,000 five-star reviews on the Android Play Store and 1M+ downloads, the Empower app is an excellent choice for people who receive regular paychecks but sometimes fall short on their expenses. 

Pros:

• There is no minimum balance requirement.
• Cashback on eligible debit card purchases
• Automatic savings
• Up to 10% cash back

Cons:

• It may be challenging to take advantage of the app’s features if you get paid in cash or by check since Empower does not yet support those options. 
• There’s a monthly fee, but the app is free to use for the first 14 days. After that, there’s an $8 monthly fee.

12. LendingClub

LendingClub is an online marketplace that connects borrowers with investors to provide personal loans. They offer auto loan refinancing as well as other lending and banking products.

Compared to other cash lending apps, LendingClub’s loans are more limited but it offers prequalification with a soft credit inquiry (which has no impact on your credit score). 

Additionally, the minimum credit score to potentially qualify for a loan is only 510, which makes it a good option for people with a fair credit score. 

Pros:

• Lower interest rates.
• Easy application process.

Cons:

• LendingClub charges between 3% and 6% of the loan amount, depending on your credit score and loan terms.
• LendingClub will perform a thorough credit check when you apply for a loan, which can temporarily lower your credit score.
• While borrowers with fair to good credit may qualify, only the most creditworthy applicants can access more competitive APRs and larger loan amounts.
• Borrowers who make late payments are charged a fee of 5% of the late payment amount or $15, whichever is greater. However, LendingClub does provide borrowers with a 15-day grace period for late payments

13. Ace Cash Express

ACE Cash Express is a financial services company that offers check-cashing and short-term loans, including payday and other high-cost loans.

You may be able to apply for an installment loan online or in person, depending on your state and there are no application fees for the Ace Cash Express personal loan, regardless of whether your application is accepted.

Pros:

• Small loans between $50 and $2,000 are available
• You have the option to cancel the loan within 72 hours

Cons:

• Loan APRs are high
• Not all loans, or all types of loans, are offered in all states

14. Varo

Varo offers advance cash of up to $100, with no interest. Depending on the requested amount, Varo charges between $0 to $5. 

To qualify for the Varo Advance program, customers must have an active Varo Bank Account that is at least 30 days old. In addition, they must have had at least $1,000 in direct deposits to either the Bank Account, Savings Account, or both combined, within the past 31 days.

Pros:

• No interest is charged
• No credit check
• Flexible payment options

Cons:

• Must have a Varo bank account that is at least 30 days
• Maximum of $100 cash advance
• One late payment can impact your ability to get future Varo Advances

15. Branch

Branch offers cash advances of up to $150 per day or up to $500 of your paycheck. The branch app charges $2.99 to $4.99 for instant advances to your debit card. Cash advance to your bank account is free of charge and takes up to three business days.

Unfortunately, the app does not offer its advance cash services to remote workers, which means you can only apply for a cash advance if your employer has a physical workplace

Pros:

• No interest fee is charged 
• No credit check required
• A bank account is not required
• Instant access to cash by paying a fee or waiting for 3 days and getting it for free
• No membership fees

Cons:

• The service provider will put you on a waiting list if your company and co-workers have not expressed interest
• Low cash advance amount per payment period

What Is The Best Cash Advance No Credit Check?

Currently, the best cash advance no credit check app is CashNetUSA. The technology CashNetUsa uses is an approval process that uses your account credit info rather than your FICO score, this means people with low FICO scores can still get loans, all you need to qualify is an active checking account that will accept an electronic transfer of funds.

How Can I Borrow Money With No Credit?

Below are steps to borrow money with no credit check.

Step 1. Find a Lender: CashNetUSA is a good example of a cash advance app with no credit check that you can use.

Step 2. Download the app: You can download the app or use the official website and register then apply for the loan.

Step 3. Request for a loan: loan application is always straightforward without any paperwork since it is not a traditional loan.

Step 4. Wait for Approval: Approval usually takes a few seconds to 24 hours with some lenders. But online cash advance apps have a good reputation for fast loan approval.

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