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How we rank

Every list on this site follows the same fixed rules. Money never changes the order.

The order

1. Can you use it? Options that are offered in your state, work with your bank and fit how you're paid come first.
2. What it costs you, in dollars, for the amount and speed you chose: any required monthly membership plus the transfer fee. Optional tips are left out.
3. Whether it covers your amount. Apps whose limit is below what you need are shown lower, with the limit.

What never affects the order

• Whether a provider pays us, or how much.
• Whether a provider asked to be listed.

We list options that pay us nothing, including the cheaper, non-app routes on this page, and we show them first when they fit.

Where the figures come from

From each provider's own website, help pages, terms and app-store listing. We check them by hand every month, and each page shows the date and links its sources. A figure with a dotted underline couldn't be confirmed on the provider's own pages; check it before relying on it. Spotted something out of date? Email hello (at) tightmonth.com.

What we don't do

• We don't take applications or pass your details to lenders.
• We don't ask your name, phone number, email, sex, marital status, race, religion or national origin.
• We don't give personal financial advice.