If you're in a financial bind and need to borrow money fast, there are a number of apps that can help. Dave, Brigit, and MoneyLion are just a few of the most popular options. These apps allow you to borrow small amounts of money, typically up to $1,000, with no credit check and no interest.
| App | Logo | Available On | Reviews | Downloads | Features |
|---|---|---|---|---|---|
| 1. Dave |  | Android, iOS | 4.8/5 | 12M+ | Up to $500 advance, No credit check, No late fees |
| 2. Brigit |  | Android, iOS | 4.8/5 | 6M+ | Instant cash advance, Build credit, Save money |
| 3. MoneyLion |  | Android, iOS | 4.7/5 | 6M+ | Fast cash advances, Mobile banking, Cashback rewards |
| 4. Empower |  | Android, iOS | 4.7/5 | 4M+ | Instant cash advances, No credit score required, No interest or late fees |
| 5. Cleo |  | Android | 4.4/5 | 3M+ | AI money coach, Up to $250 cash advance, 4.11% APY savings |
| 6. FloatMe |  | Android, iOS | 4.8/5 | 2M+ | No credit checks, No interest, Fast cash advances |
| 7. Kikoff |  | Android, iOS | 4.9/5 | 2M+ | Builds credit fast, No credit check, Only $5/month |
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1. Dave
Up to $500 advance, No credit check, No late fees
Cost: Dave Free (Free), Dave Premium ($12 per month)
Dave offers you a helping hand when you need some extra cash before payday. With Dave, you can borrow up to $500 and get paid early, all without paying any interest or late fees.
Dave is committed to helping you manage your finances. They offer a variety of features to help you save money, earn cash back, and find work. They also have a team of friendly customer service representatives who are always happy to help.
Download:
Application information:
| Downloads | Over 10 million |
| Features | Provides up to $500 in interest-free cash advances, early paycheck access, budgeting tools, and a side hustle marketplace. |
| Pros | Easy to use, quick cash access, helps avoid overdraft fees. |
| Cons | Membership fees, limited advance amounts, requires linking a bank account, potential for overspending. |
- Tags:
- Fast cash advances
- Zero Interest, No Credit Checks
- Goal Tracking and Budgeting
✨ Read more: app to cancel subscriptions
2. Brigit
Instant cash advances, Credit building, No credit check
Cost: Brigit Free (Free), Brigit Plus ($9.99/month)
Brigit is a money management app that offers instant cash advances, credit building tools, and budgeting assistance. It's designed to help users manage their finances and avoid overdraft fees. However, some users have reported issues with the app, such as vague communication, difficulty getting straightforward answers, and changes to the fee structure.
Despite these concerns, Brigit can still be a useful tool for those who need to borrow small amounts of money. The app's credit builder feature can also help users improve their credit scores. However, it's important to be aware of the app's limitations and to use it cautiously.
Download:
Application information:
| Downloads | Over 10 million downloads |
| Features | Provides instant cash advances up to $250, credit building tools, budgeting assistance, and side hustle opportunities. |
| Pros | Easy to use, quick cash, helps build credit. |
| Cons | Monthly membership fee, limited cash advance amounts, requires a bank account and regular income. |
- Tags:
- Instant Cash Advance
- Credit Building
- Save Money
✨ Read more: app for online banking
3. MoneyLion
Fast cash advances, Personal loan offers, Banking & Cash Back
Cost: MoneyLion Basic (Free), MoneyLion Credit Builder Plus ($19.99/month)
Are you in need of a quick cash advance? Look no further than MoneyLion, the go-to money app that offers instant cash advances, personal loan offers, and banking services. With MoneyLion, you can borrow money without jumping through hoops or paying crazy interest rates.
MoneyLion's Instacash feature has been a lifesaver for many users, providing them with quick access to funds when they needed it most. And with the unique boost feature, you can increase your loan amount with support from other app users. Despite some minor annoyances like the multiple tip prompts and the occasional difficulty in finding a loan provider, MoneyLion remains a top choice for those seeking a reliable and convenient way to borrow money.
Download:
Application information:
| Downloads | Over 5 million |
| Features | Offers mobile banking, cash advances, investing, credit monitoring, and financial tracking tools within a single app. |
| Pros | User-friendly interface, early payday access, and cash back rewards. |
| Cons | High fees for some services, limited customer support options, and potential for overdraft fees. |
- Tags:
- Fast cash advances
- Mobile banking
- Cashback rewards
✨ Read more: app to send money
4. Empower
Fast cash advances, Credit score tracking, Money saving tips
Cost: Empower Free (Free), Empower+ ($8/month)
Empower is a fantastic app that can help you get an advance instantly, build better credit, track your credit score, and save money. It's been working perfectly for over a year, and I've been able to increase my advance amount from $25 to $150. The app also has a great savings account option that allows you to set aside money automatically. I've been able to grow my savings balance significantly by using this feature.
Empower was the only app that I was able to get a loan from after trying 13 other instant loan apps. After a few short months, my loan amount and credit score have increased tremendously. I'm so happy with Empower and I would highly recommend it to anyone looking for a way to borrow money, build credit, or save money.
Download:
Application information:
| Downloads | Over 1 Million |
| Features | Offers cash advances, credit building tools, budgeting and saving features, and personalized financial insights. |
| Pros | User-friendly interface, fast access to funds, helpful for credit building. |
| Cons | Fees for some services, eligibility requirements for cash advances, limited customer support options. |
- Tags:
- Instant cash advances
- No Credit Checks
- No interest or late fees
✨ Read more: app for budgeting
5. Cleo
Up to $250 cash advance, No interest or credit checks, 4.11% APY high-yield savings
Cost: Cleo Free (Free), Cleo Plus ($5.99/month)
Borrow money with Cleo, a mobile app that offers cash advances of up to $250 without any interest or fees. Simply connect your bank account and you're all set. Cleo's unique chat interaction makes budgeting fun and engaging, providing personalized insights and guidance to help you manage your finances better.
As a responsible lending app, Cleo keeps your loan amounts low to prevent you from overspending and getting into debt. Its user-friendly interface and easy-to-understand budget tools empower you to take control of your finances. Whether you're new to budgeting or looking for a better way to manage your money, Cleo has got you covered. Experience the power of financial accountability and make a change towards a brighter financial future today.
Download:
Application information:
| Downloads | Over 5 million |
| Features | Provides cash advances, budgeting tools, spending insights, bill reminders, and financial advice through an AI chatbot. |
| Pros | Easy to use, helps manage money, offers cash advances. |
| Cons | Cash advance limits can be low, charges fees for some features, requires connecting bank account. |
- Tags:
- AI money coach
- Budget and save
- Build credit
✨ Read more: app to make money
6. FloatMe
Fast cash advances, No credit checks, No interest
FloatMe is a mobile app that provides users with quick and easy access to cash advances. It is a convenient option for those who need a small amount of money to cover unexpected expenses or to make it to payday. The app is easy to use and intuitive, making it a great choice for anyone who is new to borrowing money.
With FloatMe, you can get a cash advance of up to $20, which you can repay within two weeks. The app also offers a monthly subscription fee, which gives you access to additional features, such as the ability to get a second cash advance before your first one is repaid. FloatMe is a great option for anyone who needs a little extra cash to get by. It is easy to use, affordable, and convenient.
Download:
Application information:
| Downloads | Over 1 Million |
| Features | Provides small cash advances, helps users manage their finances, and offers insights into spending habits. |
| Pros | Easy to use, quick cash access, helps with budgeting. |
| Cons | High fees, membership required, may encourage a cycle of debt. |
- Tags:
- Fast cash advances
- No Credit Checks
- No interest
7. Kikoff
No credit check, Builds credit history, Improves credit score
Cost: Kikoff Credit Account (Free), Kikoff Credit Builder Loan ($7.99 per month)
Kikoff is a mobile app that offers a unique way to borrow money. Unlike traditional lenders, Kikoff doesn't require a credit check. Instead, you simply deposit a small amount of money into your Kikoff account, and you can then borrow up to three times that amount. The catch is that you have to repay your loan in full within 30 days. If you don't, you'll incur a late fee and your credit score may be negatively affected.
Despite its drawbacks, Kikoff can be a helpful tool for people who need to borrow money quickly and easily. The app is easy to use and the approval process is quick. Plus, Kikoff doesn't report your loan activity to credit bureaus, so it won't hurt your credit score if you repay your loan on time.
Download:
Application information:
| Downloads | Over 2 Million |
| Features | Kikoff offers a no-credit-check credit builder loan and a secured credit card to help users build credit history and access financial tools. |
| Pros | Easy application, no credit check required, helps build credit. |
| Cons | Limited credit limit, monthly membership fee, potential for interest charges on loans. |
- Tags:
- Fast credit building
- No Credit Check
- Easy and worry-free
8. Borrow Money App
Easy loan application, Quick loan approval, Flexible repayment options
Cost: Weekly Subscription ($9.99 per week), Monthly Subscription ($29.99 per month)
"Borrow Money App" offers a quick and convenient solution for those in need of instant financial assistance. Despite initial concerns about potential spam, many users have found success in securing loans even with poor credit. Thanks to its vast network of lenders, this app seamlessly connects borrowers to the right loan providers, increasing their chances of loan approval.
While some users have encountered difficulties in loan approval or excessive spam following app usage, it's important to note that these experiences may vary. The app's commitment to user privacy and data security can provide peace of mind, encouraging borrowers to trust the platform with their sensitive information. Overall, "Borrow Money App" remains a valuable resource for those seeking a reliable and efficient way to borrow money on their mobile devices.
Download:
Application information:
| Downloads | 270 Thousand+ |
| Features | Offers short-term loans with flexible repayment options, instant loan decisions, and direct deposit to your bank account. |
| Pros | Quick and easy application process, fast loan decisions. |
| Cons | High interest rates and fees, potential for debt cycles if not used responsibly. |
- Tags:
- Instant cash loans
- No Credit Check
- Easy application process
9. Lenme
Quick and easy loans, No credit score required, Competitive interest rates
Cost: Free (Free), Lenme Premium ($9.99/month)
Lenme, a highly rated money lending app, offers a user-friendly and convenient way to borrow funds. With a simple and intuitive interface, the app allows you to apply for loans effortlessly. However, as mentioned by a user, there's a drawback to canceling a loan application. Upon submitting a request, you must wait for an offer before making any changes. Despite this, Lenme provides prompt responses to inquiries, demonstrating their commitment to customer support.
The app's loan processing time has been noted as a potential inconvenience. One user expressed frustration over the prolonged "looking for lenders" message that can persist for several weeks. Additionally, linking bank accounts through the Plaid platform has encountered difficulties. Despite these minor setbacks, the overall functionality and simplicity of the app make it a viable option for those looking to secure a loan quickly. Lenme continues to improve its services, addressing user feedback to enhance the app's overall experience.
Download:
Application information:
| Downloads | Over 100,000 downloads |
| Features | Lenme is a peer-to-peer lending platform that connects borrowers and lenders, allowing users to invest in personal loans and earn interest. |
| Pros | Easy to use, fast funding, potential for high returns |
| Cons | High interest rates for borrowers, risk of default, limited customer support options |
- Tags:
- Quick and easy loans
- No credit score required
- Earn passive income