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Cash advance apps compared
15 apps, side by side, sorted by what an instant $100 advance costs you. Dotted figures couldn't be confirmed on the app's own pages, so check them before you rely on them.
In short: an instant $100 advance costs $0–$20.98 across the 12 apps that state their fees. The lowest confirmed on the apps' own pages: Gerald ($0), Chime ($3), EarnIn ($5.99), each with its own conditions, so open its page before you choose. With a standard transfer (1–3 business days), 10 of the 15 apps charge nothing. Fees checked October 30, 2026.
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| 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 | — |
How to read this
- Monthly fee is a membership you pay every month, whether or not you take an advance. If an app requires it, we count one month in the cost.
- Cost today adds the fee for getting the money instantly. Tips are optional with every app that asks for them, so we leave them out.
- ≈ a year turns that cost into an annual rate (APR) if you repay in 14 days, so you can compare it with a loan. Credit-union payday alternative loans are capped at 28%.
- Where an app publishes only a range of fees, not the fee for each amount, we show the whole range and sort by its middle.
- Up to is the stated maximum. New users usually get far less at first.
Work out your own numbers · Cheaper options · The cost data, method and change log