Best of 19 apps borrow money on mobile Android, iPhone

Tired of being broke? Cash App, Chime, and Dave are here to help. With these 19 apps, you can borrow money on your phone and get cash in minutes.

App Logo Available On Reviews Downloads Features
1. Cash App Cash App Icon Android, iOS 4.8/5 104M+ Send and receive money instantly, Get instant discounts
2. Chime Chime Icon Android, iOS 4.8/5 25M+ Overdraft up to $200, No monthly fees, Get paid early
3. Dave Dave Icon Android, iOS 4.8/5 12M+ Up to $500 advance, No credit check, No late fees
4. EarnIn EarnIn Icon Android, iOS 4.7/5 9M+ Instant pay access, No fees or interest, Credit monitoring
5. Rocket Money Rocket Money Icon Android, iOS 4.3/5 9M+ Track net worth, Cancel subscriptions, Negotiate lower bills
6. Albert Albert Icon Android, iOS 4.2/5 7M+ Budget and track spending, Overdraft coverage up to $250
7. Brigit Brigit Icon Android, iOS 4.8/5 6M+ Instant cash advance, Build credit, Save money
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1. Cash App

Cash App Icon

Send and receive money instantly, Get instant discounts

Cash App is a mobile payment service that allows users to send and receive money, make purchases, and invest in stocks and Bitcoin. It also offers a "borrow" feature, which allows users to borrow up to $250 instantly. The borrow feature is a short-term loan that must be repaid within a month. There is no interest charged on the loan, but there is a $5 fee if the loan is not repaid on time.

Download: Android, iOS

Cash App - Send and receive money instantly, Get instant discounts
  • Tags:
  • Instant Money Transfer
  • Free Debit Card with Discounts
  • Free Tax Filing

Application information:

Downloads 104,484,767
Features Send and receive money, buy and sell Bitcoin, invest in stocks, get a free debit card
Pros Easy to use, fast and free to send and receive money
Cons Limited features compared to traditional banks, may not be suitable for large transactions

Comments and Reviews from users:

Brittany McCue: “Cash App is a game-changer for managing finances and sending money effortlessly! With easy peer-to-peer payments, direct deposits, and investment options, it's a versatile tool. The interface is user-friendly, and security features like PIN protection provide peace of mind. Plus, the Cash Card offers convenient spending options. Overall, a must-have app for anyone looking for simple and secure money management. Highly recommended.” – 5/5 in Play Store

Heidi Schroeder: “Love it. It does what its creator intended for it to do. It can def be better, all things can. However, it would be the best of the best of its kind & more, if only it had the ability to allow users to edit the transaction history, by creating seperate files and then dragging & dropping individual transactions into diff categories & sub categories. To keep files neat & in order (eg. taxes+). Moreso if it allowed you to take pics of receipts & attach them to each charge. Just an idea:)” – 4/5 in Play Store

✨ Read more: app to check credit score

2. Chime

Chime Icon

Overdraft up to $200, No monthly fees, Get paid early


Cost: Chime Basic (Free), Chime Pro ($10/month)

Chime is a mobile banking app that offers a variety of financial services, including a checking account, savings account, and credit builder loan. One of the most popular features of Chime is its SpotMe feature, which allows users to overdraft their account up to $200 without paying any fees. This can be a helpful way to avoid overdraft fees from other banks, and it can also help you cover unexpected expenses. To use SpotMe, you must have a Chime checking account and have received at least $500 in direct deposits in the past 30 days.

Download: Android, iOS

Chime - Overdraft up to $200, No monthly fees, Get paid early
  • Tags:
  • Overdraft up to $200 fee-free
  • Get paid up to 2 days early
  • No monthly fees‡

Application information:

Downloads 25,208,707
Features Chime offers fee-free overdraft, early payday, mobile check deposit, and no monthly fees.
Pros No monthly fees, fee-free overdraft, and early payday.
Cons Limited ATM network, no physical branches, and may not be suitable for everyone.

Comments and Reviews from users:

Nicole White: “Edit: Went from 5 stars down to 3 stars after the last design update. Absolutely hate the new app design. I love Chime. I get paid 2 days early and I love the automatic saving features. Their customer service is great. I love the spot me feature. It comes in handy when you need it. They will ask you for a tip, but it's optional and I've never had a spot me decrease because I didn't leave a tip. I've been with Chime a long time and it's the best banking experience I've ever had.” – 3/5 in Play Store

Casey Wascher: “Id give it 5 stars but I'm getting SO frustrated. The website says everything's fine but its not. Sometimes, like right now, I can't tap on anything in the app 🤷🏼‍♀️ I can scroll up & down the main page, but it's completely unresponsive when I tap on anything, it just stays on that page. I can't transfer money or look at my purchases, nothing. And I'm sad that you're getting rid of my paycheck! That was so convenient. I really hope it's replaced with something else soon.” – 3/5 in Play Store

✨ Read more: app to cancel subscriptions

3. Dave

Dave Icon

Up to $500 advance, No credit check, No late fees


Cost: Free, Dave Plus (1)

Dave is a mobile app that allows users to advance up to $500 from their next paycheck, get paid early, earn cash back, save money, and find work. It's a safe and convenient way to get access to cash when you need it most. Dave charges a monthly membership fee of $1, but there are no interest rates or hidden fees. To qualify for a Dave advance, you must have a regular income and a valid checking account. Dave is a great option for people who need a little extra cash to make ends meet or who want to get paid early.

Download: Android, iOS

Dave - Up to $500 advance, No credit check, No late fees
  • Tags:
  • Fast cash advances
  • Zero Interest, No Credit Checks
  • Goal Tracking and Budgeting

Application information:

Downloads 11,996,334
Features Advance up to $500, early payday, cash back rewards, money-saving tips, job search assistance
Pros No hidden fees, budgeting tools, helps improve financial literacy
Cons Relatively high interest rates on advances, may not be suitable for everyone's financial situation, requires regular income and bank account

Comments and Reviews from users:

Roemon “Roeclean” .C: “He tipping feature should be easier to opt out of. Just because I have money doesn't mean I can give out a tip, especially one as high as the ones in the app. Like if I can only borrow the bare minimum, I should get the bare minimum tip, to reflect that. So tipping shoudl reflect your borrow amount, other than that, the app is okay. There should also be a delay payment feature for when Dave automatically puts your payment to the nearest friday, which can be horribly inconvenient.” – 2/5 in Play Store

VainJayTomatoredd: “App overall is decent, but I did not appreciate being signed up for some sort of membership that "keeps your bank account connected" (which it repeatedly failed to do anyway), and a few other things for a $1 fee, which would be fine if I had known about it. It overdrafted my account which I thankfully caught quickly, but knowing this would happen would have been nice.” – 3/5 in Play Store

✨ Read more: app for online banking

4. EarnIn

EarnIn Icon

Instant pay access, No fees or interest, Credit monitoring


Cost: EarnIn Free, EarnIn Plus (9.99)

EarnIn is a mobile app that allows users to access their earned wages before payday. It's not a loan, so there are no interest charges or credit checks. Users simply connect their bank account to the app and can then withdraw up to $100 per day, or $500 per pay period. EarnIn makes money by charging a small fee for each withdrawal, typically $1-$3. The app is popular with gig workers and other employees who need access to their earnings before payday.

Download: Android, iOS

EarnIn - Instant pay access, No fees or interest, Credit monitoring
  • Tags:
  • Instant Pay Access
  • No Fees or Interest
  • Free Credit Monitoring

Application information:

Downloads 8863140+
Features Provides on-demand access to earned wages before payday, budgeting tools, and financial advice.
Pros No interest or fees, convenient and easy to use.
Cons May require linking to employer, limits on how much can be withdrawn, can encourage overspending.

Comments and Reviews from users:

Lauren Sanders: “I've been using EarnIn for multiple years now, and it has saved my butt over and over. While you can only transfer out a max of $100 each day, there are no hidden fees. Yes, an instant transfer is $3.99, but a standard transfer is free with the OPTION to tip. Sometimes I'm able to tip, sometimes I can't, and it's nice that the company doesn't force it on you. I've never had any software issues with this app. Signing up may seem tedious, but once you're set, you're good.” – 5/5 in Play Store

Corren love: “Update: 4 year user now and Earnin has NEVER failed me which is honestly crazy. Earnin is a dependable app and that is really important to me. If you need a payday advance app there just is not a better one to download... Original review: Fantastic, I've been using Earnin for 2 years and have never had any major issues. Their customer service is absolutely fantastic and lightning speed means lightning speed, it's fast, easy, and definitely helps in a pinch.” – 5/5 in Play Store

✨ Read more: app to send money

5. Rocket Money

Rocket Money Icon

Track net worth, Cancel subscriptions, Negotiate lower bills


Cost: Free, Premium (9.99)

Rocket Money is a mobile app that helps users manage their finances, including budgeting, bill tracking, and subscription management. The app also offers a "Borrow Money" feature, which allows users to access small loans of up to $250. The loans are designed to be affordable and easy to repay, with no credit check or interest charges. Users can apply for a loan directly through the app and receive the funds within minutes.

Download: Android, iOS

Rocket Money - Track net worth, Cancel subscriptions, Negotiate lower bills
  • Tags:
  • Net worth tracking
  • Subscription management
  • Bill negotiation

Application information:

Downloads 8,735,985
Features Manage and cancel subscriptions, lower bills, track expenses, create budgets
Pros Great for finding subscriptions and managing finances
Cons May not catch all subscriptions, can be slow to update

Comments and Reviews from users:

Destiny Price: “One good pro, and the main reason why I got this was to see my subscriptions to know what to cancel. Love that it tells me when I have an upcoming payment. My issue is that the link has stopped a few months back, and I can't get it fixed without having to start over. It's really difficult when I'm trying to budget, and it won't sync right.” – 3/5 in Play Store

Athena A: “I was not able to do the following without a subscription: add notes to transactions, split transactions, and add cash transactions. I was planning to use this as a budgeting app but the charts and budgets produced by the app are inaccurate because I do not have the ability to edit anything. I can't even track my net worth without paying. Unfortunately I think I am stuck with spreadsheets for budgeting I wish it had been made more clear to me that the free version would not be good for budgets.” – 3/5 in Play Store

✨ Read more: app for budgeting

6. Albert

Albert Icon

Budget and track spending, Overdraft coverage up to $250


Cost: Free, Premium (4.99)

Albert is a mobile app that allows users to borrow money quickly and easily. The app is designed to be a safe and affordable alternative to payday loans and other high-interest loans. Albert offers loans of up to $250, with no credit check and no interest. The app simply charges a flat fee of $4 per month for its services. To qualify for a loan, users must have a regular income and a bank account. Albert's mission is to help people improve their financial health, and the app's features are designed to help users budget their money, save money, and avoid debt.

Download: Android, iOS

Albert - Budget and track spending, Overdraft coverage up to $250
  • Tags:
  • Budget Management
  • Smart Overdraft Coverage
  • Automated Savings

Application information:

Downloads 7,299,332
Features Budgeting, banking, saving, and investing made simple.
Pros Easy to use, helps save money, and provides financial advice.
Cons May not be suitable for everyone, some fees apply, and customer service can be slow at times.

Comments and Reviews from users:

Cooliecheeks: “When are you going to come out with an Albert 2? It's taking forever!!!!!” – 5/5 in App Store

7. Brigit

Brigit Icon

Instant cash advance, Build credit, Save money


Cost: Brigit Free, Brigit Plus (9.99)

Brigit is a mobile app that offers instant cash advances, credit building, budgeting, and money-saving tools. With Brigit, you can get up to $250 in cash advances with no interest or credit checks. Brigit also offers a credit builder loan that can help you build your credit score. The app also has a budgeting tool that can help you track your spending and create a budget. Finally, Brigit offers money-saving tools that can help you save money on your bills and other expenses.

Download: Android, iOS

Brigit - Instant cash advance, Build credit, Save money
  • Tags:
  • Instant Cash Advance
  • Credit Building
  • Save Money

Application information:

Downloads 5,819,280
Features Brigit offers instant cash advances, credit building, budgeting and money saving tools to help you manage your finances.
Pros No credit checks, fast and easy to use, can help you build credit and save money.
Cons Cash advances have a fee, may not be available to everyone, and could lead to a cycle of debt if not used responsibly.

Comments and Reviews from users:

American Mutt: “It's OK, but I feel like I got mixed messages and some of them are vague communications or I just don't know where to look on the app and that's why I downgraded to the free version. I don't like paying for something that seems a little shifty or difficult to get straightforward answers. But it think the credit builder did help with my credit score a little but now you need to pay more for that option. The price hike, isn't worth it for only that 1 benefit in my opinion.” – 4/5 in Play Store

Joy Carlson: “Brigit is fine for low amounts. I signed up for the subscription. My second advance was lower than my first, but that's pretty standard. The only issue I'm having is Brigit is supposed to automatically deposit when my bank balance drops below a certain amount. Last month they deposited when my account dropped below $125. This month they deposited nothing. I had to go to the app and request an advance when I realized I was -$120. So I am not really sure what I am paying for.” – 3/5 in Play Store

8. MoneyLion

MoneyLion Icon

Fast cash advances, Mobile banking, Cashback rewards


Cost: Free (0.00), Premium (19.99)

MoneyLion is a mobile app that offers a variety of financial services, including cash advances, personal loans, and banking. It is designed to help people who are struggling to make ends meet or who need access to quick cash. The app is easy to use and can be downloaded for free from the App Store or Google Play. Once you have created an account, you can apply for a cash advance of up to $250 or a personal loan of up to $500. The app also offers a variety of other features, such as a budgeting tool, a credit score tracker, and a rewards program.

Download: Android, iOS

MoneyLion - Fast cash advances, Mobile banking, Cashback rewards
  • Tags:
  • Fast cash advances
  • Mobile banking
  • Cashback rewards

Application information:

Downloads 5,661,340
Features Provides fast cash advances, personal loan offers, banking services, and cashback rewards.
Pros Easy access to funds, convenient banking features, rewards for everyday spending.
Cons Fees associated with cash advances, high interest rates on personal loans, limited ATM network.

Comments and Reviews from users:

Brad: “Great app for my banking needs, tracking finiances spread over multiple cards, crypto investments, most of the features are awesome! Although I don't see the point in the loan feature because it can never find anyone to fund my loan no matter how many times I try or change the amount. In 3 years it's never found a loan provider for me. Other than that I like all the features. The Instacash feature has saved me numerous times so I'm thankful for that feature!” – 4/5 in Play Store

Monique West: “Straightforward app, lent me money when I needed it, when no one else would. No hoops to jump through. No crazy interest rate. Sure, it asks you to tip multiple times but you can say no. A tiny inconvenience for getting the help you need and it makes sense if they're trying to help as many people as possible. The best lend money app I've come across so far. And you can get boosts from others in the app to increase your loan amount.” – 5/5 in Play Store

9. Varo Bank

Varo Bank Icon

No monthly fees, Get paid up to 2 days early, Instantly send/receive money with Zelle


Cost: Varo Bank - Free Checking & Credit Builder (Free), Varo Bank Premium ($9.99/month)

Varo Bank is a mobile banking app that offers a variety of financial services, including no-fee checking, high-yield savings accounts, and the ability to borrow money. Varo's Borrow feature allows users to borrow up to $10,000 with no interest or fees. The loan is repaid through automatic deductions from the user's Varo checking account. Varo Bank is a safe and convenient way to borrow money, and its Borrow feature is a great option for those who need to cover unexpected expenses or consolidate debt.

Download: Android, iOS

Varo Bank - No monthly fees, Get paid up to 2 days early, Instantly send/receive money with Zelle
  • Tags:
  • No monthly fees‡
  • Early direct deposit
  • Credit builder

Application information:

Downloads 5,373,239
Features Get no-fee checking, build credit and savings faster, and send money to anyone with the Varo Bank app.
Pros No monthly fees, easy-to-use app, high-yield savings account.
Cons Low maximum balance for high-yield savings account, limited ATM network, customer service can be slow.

Comments and Reviews from users:

Will Bohlken: “The service is one of the better experiences with banking I've had. Especially with the advances and getting paid sooner and refunds with stores even come in more swift. My issue here is with the app itself. The logging in is tedious as the biometrics fail often and have to type in password. Even when restarting phone still fails but no other app has issues.” – 3/5 in Play Store

Jamie Lee Main: “Easiest online banking app! You have access to Checking, Savings and Varo Believe from the main screen. Transfers are completed in seconds! And they lend you money with an account in good standing. Only issue is with biometrics failing at login. Have to reboot my phone for it to work or use password. Have used them as my only bank for 2 years now!” – 4/5 in Play Store

10. Current

Current Icon

Build credit safely, Access cash quickly, No overdraft or ATM fees


Cost: Current - Free (0.00), Current - Premium (4.99)

Current is a mobile banking app that offers a variety of financial services, including the ability to borrow money. The app's "Borrow" feature allows users to borrow up to $200 instantly, with no credit check or interest charges. The borrowed funds can be used for any purpose, and users have up to 30 days to repay the loan. Current also offers a variety of other features, such as free checking and savings accounts, mobile check deposit, and budgeting tools.

Download: Android

Current - Build credit safely, Access cash quickly, No overdraft or ATM fees
  • Tags:
  • Build credit safely
  • Access cash quickly
  • Skip overdraft fees

Application information:

Downloads 5,208,028
Features Get paid up to 2 days early with direct deposit, save and budget automatically, and earn rewards on every purchase.
Pros Easy to use, helps you save money, and get paid early.
Cons Some users have reported issues with customer service and hidden fees.

Comments and Reviews from users:

Jacob Valentine: “Good banking app except the fees to deposit money. Kinda BS but I don't deposit cash that often so I'm not that upset about it. One thing tho, th build credit card has dropped my credit score 114pts! All I can figure out is that SOMEHOW the credit reports see the payment as still owing a balance even though it's already paid! I did some research online and that's all I can figure out. I'm gonna stop using the card and see if that makes a difference. If it does, I'm literally going to sue y'all.” – 3/5 in Play Store

Beautiful Heartt: “Probably Would have rated higher if the app's credit builder card actually allowed you to use credit and pay it back. It definitely does not. I honestly want to give the rating a one star. Because every single time I use my debit card at anywhere. It declines when I have funds available. The response the register gets is This transaction was declined by your bank contact your bank. When I contact obviously there's nothing wrong. It is like an automatic system that constantly declines the card” – 2/5 in Play Store

11. SoFi

SoFi Icon

Up to $1000 in free stock, Earn up to 4.60% APY, Invest in popular financial assets


Cost: Free ($0), Premium ($9.99/month)

SoFi is a mobile app that allows users to borrow money, invest, and manage their finances. SoFi offers personal loans, student loans, mortgages, and auto loans. The app also offers a variety of investment options, including stocks, bonds, and ETFs. SoFi is a great option for borrowers with good credit, as it offers competitive interest rates and flexible repayment terms. The app is also easy to use and provides excellent customer support.

Download: Android, iOS

SoFi - Up to $1000 in free stock, Earn up to 4.60% APY, Invest in popular financial assets
  • Tags:
  • Up to $1000 free stock
  • High-yield checking and savings
  • No account fees

Application information:

Downloads 3,685,033
Features SoFi Checking & Savings allow you to earn interest and manage your money with ease.
Pros High interest rates, no account fees, mobile banking, and access to financial advisors.
Cons Some features are only available to SoFi members, limited branch network, and potential for fees with certain account types.

Comments and Reviews from users:

Jacob Kral: “Like the banking and spending tracking, etc a lot, great system. A little cluttered UI but it's not too bad. Main issue atm is I always have to open the app twice, the first time it will act like it's open, but there's no UI, it's just still on my home launcher. Sometimes the fingerprint button is there but nothing else. Then I force close it and open again, and the ui will load normally and work fine.” – 3/5 in Play Store

Meghan Arias: “The app works well, however, the home and banking screens are quite cluttered with different offers and promotions. While informative, they make the app unnecessarily overwhelming when I need to get in and out quick just to check my balance. I would love to see a "minimalist mode" option in settings and/or the option to make the main screen when opening the app automatically the banking tab or other tab of choice. I think integrating those would make SoFi much more modern and user friendly.” – 4/5 in Play Store

12. Empower

Empower Icon

Instant cash advances, No credit score required, No interest or late fees


Cost: Free, Plus (8)

Empower is a mobile app that allows users to get an advance on their paycheck, build credit, track their credit score, and save money. The app is designed to help people who are struggling to make ends meet or who want to improve their financial situation. Empower offers a variety of features that can help users manage their finances, including:

  • Instant advances of up to $250
  • Credit building tools
  • Credit score tracking
  • Savings tools

Empower is a safe and secure app that is FDIC-insured. The app is also easy to use and navigate.

Download: Android

Empower - Instant cash advances, No credit score required, No interest or late fees
  • Tags:
  • Instant cash advances
  • No Credit Checks
  • No interest or late fees

Application information:

Downloads 3,674,054
Features Get an instant advance, build better credit, track your credit score, and save money.
Pros Easy to use, helps build credit, and can save you money.
Cons May not be available to everyone, high fees if you don't repay your advance on time.

Comments and Reviews from users:

Rory Baker: “The app definitely came in handy and was working perfectly for over a year now. Started off with $25, then got approved for $50, then $75, and eventually $150. It was fantastic! Until just recently when I paid back the $150 and then suddenly got dropped to a $75 advance - HALF of what I was getting previously. So, ultimately, I just lost $75 and I'm not sure why, as I always repay my advances and my regular income hasn't changed and has actually been slightly higher recently.” – 2/5 in Play Store

Jennifer Yoder: “No additional hoops to earn an advance, as long as you have a regular income. However, I'm giving this rating for the app's additional option to set up a savings account that you choose how much and when it'll automatically set aside it for you. For me though, mainly because it's not part of my typical, "go-to" banking apps, it allows me to forget about it, allowing the balance to grow -out of my site.” – 5/5 in Play Store

13. Cleo

Cleo Icon

AI money coach, Up to $250 cash advance, 4.11% APY savings


Cost: Cleo Free, Cleo Plus (9.99)

Cleo is a mobile app that allows users to get paid early, up to $100, without having to pay any interest or fees. It also offers a credit builder loan, overdraft alerts, and other financial tools to help users manage their money better. Cleo is available on both iOS and Android devices. To use Cleo, users simply need to create an account and link their bank account. Once their account is set up, they can start using Cleo's features to manage their money and get paid early.

Download: Android

Cleo - AI money coach, Up to $250 cash advance, 4.11% APY savings
  • Tags:
  • AI money coach
  • Budget and save
  • Build credit

Application information:

Downloads 2,879,646
Features With Cleo, you can get paid early (up to $100), avoid overdraft fees, build your credit, and track your spending.
Pros Easy to use, helps improve financial health, no hidden fees.
Cons May not be available to everyone, may not be able to advance large amounts of money.

Comments and Reviews from users:

melissa collins: “I'm new to app but I'm pleasantly surprised. It's, of course, easy to navigate but it has the unique aspect of Cleo , the chat interaction, being "truth hurts" which is very refreshing, leveling, and funny at the time. I think all can benefit by putting spending "under the microscope" even if you know where it all goes it has a different type power, I think, in writing or spoken by another. It's not just an advance app it's accountability with tools to make a change towards a better future.” – 5/5 in Play Store

Kayla Burgraff: “Man. This app is great. She tells me how it is and when I'm over spending. And she keeps me at a low loan amount which keeps me from going into debt from shopping again. Lol. And the budget part is easy to understand and go along with. Try it. It's like a parent specifically created to teach you about money and savings and wants or needs. Just try it. Seriously. 🤑💸🛍️💳💰💲” – 5/5 in Play Store

14. DailyPay On

DailyPay On Icon

Instant access to earned wages, No fees or interest charges


Cost: Free, Premium (1.99)

DailyPay On is a mobile app that allows employees to access their earned wages before payday. It's a safe and convenient way to get the money you've earned without having to wait for your next paycheck. DailyPay On is easy to use: just download the app, link your bank account, and start using it. There are no fees to use DailyPay On, and you can access your earned wages as often as you need. With DailyPay On, you can take control of your finances and get the money you've earned when you need it.

Download: Android, iOS

DailyPay On - Instant access to earned wages, No fees or interest charges
  • Tags:
  • Instant access to earned wages
  • Avoid late fees and penalties
  • 24/7/365 availability

Application information:

Downloads 2,414,611
Features DailyPay lets you access earned wages before your next payday, up to $1,000 per pay period, with no hidden fees or interest.
Pros Get paid early without having to pay extra fees or interest.
Cons Only available to employees of companies that offer DailyPay, may not be suitable for all financial situations.

Comments and Reviews from users:

Heather Kelly: “It's been great BUT... over the last few days, it has had several hiccups in loading when I log on. Login attempts have been primarily failing. It won't even time out. It hasn't mattered where I was or what network I was connected to, whether wifi or over the air. It just won't load most of the time. I have tried a forced stop several times and that has failed as well. I'd love this issue to resolve, as DP has been a financial life saver until now.” – 4/5 in Play Store

Big Al: “Incredibly slow. Only have to use the app because for some reason the web browser version stopped working on my phone. It keeps insisting I'm on a VPN or using a proxy when I am just using it normally. No proxy, no VPN, or even add blocker. Happened randomly and I'm hoping it just goes back to working. I was eventually able to make a transfer. Only thing keeping this from being a one-star. Outside of that I haven't had any problems with the service and the web browser has been rather reliable.” – 2/5 in Play Store

15. FloatMe

FloatMe Icon

No credit checks, No interest, Fast cash advances


Cost: Free, Premium (19.99)

FloatMe is a mobile app that offers fast cash advances of up to $500 to help you cover unexpected expenses until your next payday. The app is easy to use and takes just a few minutes to apply. You can get your cash advance instantly deposited into your bank account. FloatMe also offers a variety of features to help you manage your money, including budgeting tools, spending insights, and credit score tracking. With FloatMe, you can get the financial help you need, when you need it.

Download: Android, iOS

FloatMe - No credit checks, No interest, Fast cash advances
  • Tags:
  • Fast cash advances
  • No Credit Checks
  • No interest

Application information:

Downloads 2,151,908
Features FloatMe offers fast cash advances, money management tools, and the ability to save money.
Pros Easy to use, quick approvals, no credit checks, helps build credit.
Cons High fees, small loan amounts, short repayment terms, can be addictive.

Comments and Reviews from users:

Mark J.T. Lambert: “Nothing major, but once you establish an account with the app, it's always provided me with a quick $20 that I can borrow and pay back at a later date. Among the cash apps, that's probably too low for some people who may not wish to bother when it's such a small amount being advanced. However, it takes into account your credit rating & payback history too as to what you are able to borrow. Requesting the advance is quick & painless. The funding after the request is instantaneous. In the reply?” – 4/5 in Play Store

mac joseph: “The app is easy to use and very intuitive. I like the way things are currently with the design. At first, I wasn't able to get the $20 float, but after logging out and back into the app, it worked just fine. I would caution new users about the $20 float since they add a $4 fee, which makes it $24.00 that you pay back, but it's within 2 hours, so it's relatively fast payout.” – 5/5 in Play Store

16. Kikoff

Kikoff Icon

Builds credit fast, No credit check, Only $5/month


Cost: Kikoff (Free), Kikoff Pro ($9.99/month)

Kikoff is a mobile app that allows users to borrow money without a credit check. It's designed to be a fast and easy way to get cash when you need it, without having to worry about your credit score. Kikoff offers loans of up to $500, with repayment terms of up to 6 months. The app is available on both iOS and Android devices. To get started, simply download the app and create an account. You'll then be asked to provide some basic information, including your income and expenses. Once your account is approved, you can request a loan. If approved, you'll receive your funds within minutes.

Download: Android, iOS

Kikoff - Builds credit fast, No credit check, Only $5/month
  • Tags:
  • Fast credit building
  • No Credit Check
  • Easy and worry-free

Application information:

Downloads 2,081,976
Features Kikoff is a mobile application that allows users to earn cash back on their everyday purchases. It offers a variety of features, including the ability to link your credit or debit card, track your spending, and redeem your rewards for gift cards or cash.
Pros Easy to use, offers a variety of rewards, no credit check required.
Cons Limited to certain retailers, may not offer the best rewards rates for all users.

Comments and Reviews from users:

Chris Tina: “I thought that we would get a portion of the money that we put in back. We don't. You essentially pay them $20/month, and you never see it again. If you are seeing significant results as far as your credit goes, it might be worth it, but if you aren't the you're just stuck giving your money away. You get trapped just paying the remainder off - you can't close the account because it wil negativelyl affect your credit. Also, the app keeps logging me completely out.” – 2/5 in Play Store

Kevin Meier: “Kikoff does what they say, and it definitely helped me bump my score up a little. Unfortunately the app is abysmal, constantly logging you out, and may the gods help you if you need to change your address. I have moved twice and haven't been able to change my address at all-- so the address they have is 2 rentals ago! The "verify identity" button does nothing, and their chat support was not able to do anything.” – 3/5 in Play Store

17. Payactiv

Payactiv Icon

Early paycheck deposit, Earned wage access, No fees or interest


Cost: Free, Premium (4.99)

Payactiv is a mobile app that allows users to access their earned wages before payday. It is a safe and convenient way to get access to your money when you need it most. Payactiv is a great alternative to payday loans, which can have high interest rates and fees. With Payactiv, there are no interest charges or fees, and you can access your money instantly. Payactiv is the perfect solution for anyone who needs a little extra cash before payday.

Download: Android, iOS

Payactiv - Early paycheck deposit, Earned wage access, No fees or interest
  • Tags:
  • Early paycheck access
  • No fees, no interest
  • Payactiv Visa® Card

Application information:

Downloads 872,788
Features Manage your finances with budgeting and planning tools, early access to earned wages, and exclusive discounts and rewards.
Pros User-friendly interface, helpful financial management features, and the ability to access earned wages early.
Cons Some fees associated with certain features, limited customer support options, and reports of occasional technical issues.

Comments and Reviews from users:

Tu'aKalau Fukofuka: “At the end of the day, it gets you what you need. It's seriously buggy though. Start up lags, and sometimes gets stuck on a blank screen. It's only after a few minutes or force close/reopens, that it works. Even switching from each section/tab can freeze the app. This app could be great, but it lags hard. Here's a Pro: It allows you to login by way of ADP.” – 3/5 in Play Store

M.: “App is no good after the last update it loads slow, that's if it loads at all ! Its like rolling the dice on if its going to work or not. So if you reallly have an emergency for cash please make sure that you have a contingency plan. I will be closing my account with payactiv immediately if this problem persists, because im not going to be paying for a service that i cannot even utilize when i need it. And the two stars is because at one point it was working fairly.” – 2/5 in Play Store

18. Borrow Money App

Borrow Money App Icon

Instant cash loans, No credit checks, Easy online application


Cost: Free, Premium (9.99)

Borrow Money App is a mobile app that provides instant payday loans. It is a convenient and easy way to borrow money, and the process can be completed entirely online. Borrowers simply need to provide some basic information, and they can be approved for a loan in minutes. The app is secure and reliable, and it offers competitive interest rates. Borrow Money App is a great option for people who need to borrow money quickly and easily.

Download: Android, iOS

Borrow Money App - Instant cash loans, No credit checks, Easy online application
  • Tags:
  • Instant cash loans
  • No Credit Check
  • Easy application process

Application information:

Comments and Reviews from users:

Kevin Markham: “So initially I was upset because it's one of those apps that just connects you the lenders and then you get a bunch of spam the surprisingly enough. They connect me with an agency that actually gave me a loan with bad credit and having already had several loans out I like it I would recommend” – 5/5 in Play Store

Doris F Brown: “No loan, bad credit. Switched to another marketing company. Did not need the hassle.” – 2/5 in Play Store

19. Lenme

Lenme Icon

No credit score required, 3-minute loan request, Thousands of competing investors


Cost: Free, Premium (4.99)

Lenme is a mobile lending app that connects borrowers with lenders. It offers a quick and easy way to get a loan, with no credit checks or collateral required. Borrowers can apply for loans of up to $500, and the funds are typically deposited into their bank account within 24 hours. Lenme charges a flat fee of 10% on all loans, and there are no hidden fees or charges. The app is available for download on both iOS and Android devices.

Download: Android, iOS

Lenme - No credit score required, 3-minute loan request, Thousands of competing investors
  • Tags:
  • Quick and easy loans
  • No credit score required
  • Earn passive income

Application information:

Downloads 269577
Features **Features**: Borrow money quickly, securely, and at low interest rates from your social network of friends and family.
Pros **Pros**: Easy to use, quick approval process, no hidden fees.
Cons **Cons**: May not be able to borrow large amounts of money, interest rates may be higher than traditional loans.

Comments and Reviews from users:

Kimberly Ledbetter: “So far the app is great except that if you change your mind on the loan, you cannot cancel it until you recieve an offer. Additionally I did get 2 offers right away but for unknown reason they did not go thru. I've had to email them several times and they do respond, however my issue has not be fully resolved. Overall this app is a great concept just needs a little work. I'll change rating to 5 stars once the kinks are worked out!!” – 3/5 in Play Store

Edwin Watkins: “So far, in two plus months of having the app, I have applied for loans, but it gives me a message for about 3 weeks saying looking for lenders and I can't do anything until after it clears. No messages of acceptance or denial, just no longer waiting for lender. The app itself is easy enough to use, most things are self explanatory, but (at no fault of theirs) the Plaid platform has trouble communicating so you may have do the bank connection multiple times.” – 3/5 in Play Store