Cash Advance Apps That Work With Cash App

Cash App has become one of the most popular ways to send or receive money on the go. If you need to send money, pay bills, or make purchases from vendors, it may be a good option. The platform even has their own borrowing feature (Cash App Borrow) that allows users to access quick funding.

However, Cash App Borrow isn’t accessible to everyone. When this is the case and you need funds fast, you may consider third-party cash advance apps. Here are some to consider:

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5 Apps That Work With Cash App

If you don’t want to use Cash App Borrow, let’s review five of the best cash advance apps that you may want to consider instead. These are all reputable providers with minimal fees. 

1. Kover

Klover is one of the most accessible cash advance platforms. It offers cash advance features alongside budget tools. And here’s the best part: It doesn’t have mandatory fees for a basic cash advance, which means you don’t need to worry about interest or late fees. Instead, Klover generates revenue when users opt into its data-sharing features, which keeps the core product free. 

Klover connects to your bank account through Plaid, so you can link your Cash App account with manual entry. You can also send the money to a bank account connected to Cash App. 

• Advance amount: Up to $400 

• Fees: No mandatory fees for a basic cash advance; express transfers may have a small fee 

2. Dave

Dave is a full digital banking platform. Its ExtraCash feature lets you borrow up to $500  (depending on your financial health) without fees or a credit check, which is deposited into your Dave checking account. When you receive the funds, you agree to a repayment timeline. You can also get your paycheck up to two days early. 

Dave can send funds to a linked bank account, or, in some cases, may be able to send funds directly to your Cash App debit card, which can take up to five days. 

• Advance amount: Up to $500

• Fees: No interest or late fees, but Dave has a $5 monthly membership and express transfers have a 1.5% fee

3. Brigit 

Brigit is designed to bridge the gap between paychecks. It monitors your bank account activity, alerts you when your balance is running low and can automatically send you an advance before you overdraft. It’s a good option if you want proactive overdraft protection instead of needing to manually request funds.  

Brigit requires a monthly subscription, with plans currently costing either $8.99 or $15.99. They work with over 6,000 banks, so you can send the funds to your bank and then transfer them to your Cash App. 

• Advance amount: Typically between $50 and $250

• Fees: No late fees, but most pay for a Brigit monthly subscription.  

4. Albert 

Albert is a mobile banking and financial wellness app that offers cash advance. In addition to advances, Genius subscribers get access to AI-powered financial assistants that can help you with financial planning questions and savings goals. This is a significant advance if you’re in a position to afford to monthly subscription, which currently costs 

Albert can deposit the funds into your bank account, which you can then transfer to CashApp. 

• Advance amount: Up to $1,000 with Albert Advance 

• Fees: No late fees or interest, and does not require Albert subscription; transfer fees may apply 

5. Varo 

Varo is a mobile banking app with a built-in cash advance feature called Varo Advance. Unlike most cash advance apps, Varo is a fully FDIC-insured bank. The funds will be deposited instantly into your Varo account, which you can then transfer to your Cash App. You’ll have a full 30 days to pay it back. 

• Advance amount: Up to $250 the first day you join, and up to $500 if you meet certain criteria  

• Fees: No interest; flat fees range from $1.60 to $40

Other Apps That Work With Cash App

If you want access to funding for your Cash App, there are other options that aren’t strictly cash advances. MoneyLion’s Instacash®, for example, is an earned wage access (EWA) service, which is different from a cash advance or personal loan. Instead, it allows you to access wages you’ve already earned before your payday arrives, and it does so without interest or credit checks.

MoneyLion lets you access up to $500 within one to five business days (or within minutes for a fee*). Repayments are automated and aligned with your paycheck schedule, enabling automatic repayment. You can sign up online or download the MoneyLion app to sign up for Instacash. You can get started here.  

How Cash App Works With Cash Advance Platforms

Before we dive into our list of top tools, we want to discuss how third-party cash advance tools actually help you get money to Cash App, because they don’t all work in the same way.

Here’s how they often work:

• Connection with Plaid: You can connect some cash advance apps directly to your Cash App, so funds can be delivered straight to your account. 

• Cash App debit card: Some apps allow you to use your Cash Card to receive the deposit. 

• Link to your bank account: Some apps will deposit the advance into your traditional checking account, which is connected to the Cash App. You can then transfer the funds yourself.

The end result is ultimately the same, with money becoming accessible to you, but the method can impact how quickly you get the funds and how many steps are involved to set it up. 

FAQs

Can I use Cash App to get a cash advance? 

Cash App has its own borrowing feature, which is called Cash App Borrow. It lets eligible borrowers access up to $500 nearly instantly with no impact to their credit score. To be eligible, you need to deposit $300+ in paychecks each month or link to an external account that receives $500+ in deposits every month. 

Do cash advance apps check your credit? 

While each platform is unique, cash advance apps typically do not check your credit. The apps we’ve discussed above skip credit checks. This means they evaluate your eligibility based on patterns like income and direct deposit patterns, making them accessible to borrowers with poor or limited credit history. 

Are cash advance apps safe to use?

Yes, cash advance apps are generally safe to use as long as you’re using a reputable, established app. All of the apps discussed in this post use secure account linking and bank-level encryption. That said, always read terms of your advance carefully and pay attention to all fees. It’s also critical to make sure you have enough in your account to cover repayment on your next payday.