Cash advance costs, in plain dollars
Short before payday? Find the cheapest way to borrow.
Rent's due before payday.$100 short until Friday?Car broke down before payday?A $5 fee can mean 260% a year.“Instant” fees add up fast.Family loan? Put it in writing.Rent's due before payday.Know the cost before you tap.
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These are examples, not personalized matches. Membership and instant-transfer fees are included; eligibility and prices can vary.
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What $100 today costs, app by app
The fees for an instant $100 advance, including any monthly membership you must pay to get it. Standard transfers (1–3 business days) are cheaper or free with most apps. Fees checked October 30, 2026.
| App | Monthly fee | Cost of $100 today | Cost of $100 by standard transfer | Up to | Direct deposit | Not offered in |
|---|---|---|---|---|---|---|
| Gerald | none | $0 ≈0% a year | $0 | $200 | not stated | — |
| Possible Finance | $15 (optional) | $0 ≈0% a year | $0 | $150 | helps | — |
| Grid | $10 (optional) | $2.99 ≈78% a year | $0 | $200 | helps | — |
| Chime | none | $3 ≈78% a year | $0 | $500 | needs a Chime account with direct deposit | — |
| EarnIn | none | $5.99 ≈156% a year | $0 | $150 | helps | CT |
| FloatMe | $6.99 (optional) | $7.50 ≈196% a year | $0 | $200 | helps | CT, NV, DC |
| MoneyLion | none | $9 ≈235% a year | $0 | $500 | helps | — |
| Klover | $4.99 (optional) | $9.49 ≈247% a year | $0 | $750 | helps | — |
| Dave | $5 | $11.50 ≈300% a year | $10 | $500 | not stated | — |
| Brigit | $8.99 | $9.98–$14.98 ≈260–391% a year | $8.99 | $500 | helps | — |
| Tilt (formerly Empower) | $8 | $13 ≈339% a year | $8 | $500 | helps | CT, ME, DC |
| Cleo | $5.99 | $10.48–$20.98 ≈273–547% a year | $5.99 | $500 | helps | CT, ME |
| Albert | none | fee shown only in the app | $0 | not stated | helps | CO, CT, IA, ME, MN, MT, NV, NJ, SD, VT, WI |
| Current | none | instant fee not published | $0 | $750 | needs a Current account with direct deposit | CT, MD, NV, WI, DC |
| Varo | none | flat fee, $1.60–$100 by amount; shown in the app | not stated | $500 | needs a Varo account with direct deposit | — |
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Credit-union loans capped at 28% a year, pay advances through your employer, and borrowing from family with a written agreement.
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