Guaranteed Cash Advance Apps

7 Guaranteed Cash Advance Apps with Instant Approval (2023)

⚡ Guaranteed cash advance apps are tools that let you borrow money before your payday. Some top apps include EarnIn, Chime, Brigit, MoneyLion, and Dave. Each has unique features like earnings-based borrowing, overdraft protection, same-day loans, and more. Choose the one that suits your needs best.

Financial emergencies can leave you scrambling for quick cash solutions, and guaranteed cash advance apps may seem like a tempting lifeline. These innovative platforms offer instant access to funds without the hassles of credit checks or lengthy approvals.

However, it is crucial to understand how these apps work, their costs, and potential alternatives before relying on them for financial assistance. In this comprehensive guide, we’ll explore the top guaranteed cash advance apps available in 2023 and outline essential tips for choosing the right app that meets your needs.

📢 Key Takeaways
Short on time? Here’s what you need to understand from this article:
  • Guaranteed cash advance apps offer a quick and convenient way to access funds during emergencies, but they come with high fees and interest rates.
  • There are several guaranteed cash advance apps that offer instant approval, including Albert, Brigit, MoneyLion, Dave, Empower, Klover, and Earnin.
  • Eligibility for cash advances usually hinges on having an active checking account with positive balance history and meeting income thresholds.
  • To get guaranteed approval instantly when applying for a cash advance through an app: choose the right app after researching different options available; ensure you meet eligibility criteria by reviewing the requirements of each application closely.

What Guaranteed Cash Advance Apps Have Instant Approval?

What Guaranteed Cash Advance Apps Have Instant Approval?

In today’s fast-paced world, getting instant access to funds when needed is crucial for many people. Fortunately, there are several guaranteed cash advance apps that offer instant approval – making it easy for you to cover unexpected expenses or bridge the gap between paychecks.

Some notable examples of guaranteed cash advance apps include Albert, MoneyLion’s Instacash feature, PockBox, Cleo, Dave, and B9. For instance, Albert offers interest-free advances up to $250 and integrates budgeting tools in their app.

Get $250 Instantly with the Albert App!
Albert App

We highly recommend getting the Albert App, a money app. It’s similar to Cash App or a bank account, but way better!

Albert has a debit card and savings account (no credit checks) and lets you borrow up to $250 with no interest or fees! It’s also easy & quick to sign-up!

On the other hand, MoneyLion provides early paycheck access along with financial management tools like investment accounts and credit monitoring services.

Keep in mind that while these options may be helpful during emergencies or temporary financial setbacks, it is essential not to rely on them as long-term solutions due to potential fees or impact on your overall financial health.

Top 7 Guaranteed Cash Advance Apps For 2023

Here are my top 7 cash advance apps for guaranteed approval in 2023: Albert, Brigit, MoneyLion, Dave, Empower, Klover, and Earnin.

1. Albert – Best for Instant Cash Advances Up to $250

GET $250 CASH!

As a cash advance user, you’ll find Albert to be one of the top guaranteed cash advance apps for 2023. This reliable app offers interest-free, fee-free advances of up to $250, making it an excellent choice when you need quick financial assistance.

To determine if you qualify for an advance, Albert securely links to your bank account and assesses your account history and activity.

Albert ensures timely access to funds by sending them directly to users’ bank accounts almost instantly with a modest express fee or within three business days at no extra cost.

When it comes time for repayment, there’s no need to worry about late fees – Albert automatically schedules repayment on the user’s next payday. Backed by Sutton Bank’s banking services and trusted resources like Mitchel Harad’s informative posts on the Albert website, you can confidently turn to this app in times of financial stress without worrying about hidden terms or high-interest rates.

2. Brigit

Brigit App

As a cash advance user, you’ll find Brigit to be an indispensable app that offers hassle-free financial assistance during times of need. One of the top 7 guaranteed cash advance apps for 2023, Brigit provides a convenient way to access up to $250 in interest-free funds.

To qualify for a cash advance with Brigit, ensure your checking account has been active for at least 60 days and maintains a balance greater than $0. The app uses its unique scoring system that analyzes your earnings, spending habits, and banking behavior to determine eligibility.

3. MoneyLion


As a cash advance user, you’ll be glad to know that MoneyLion is one of the top 7 guaranteed cash advance apps for 2023. With MoneyLion, you can get access to quick and easy money through its Instacash feature, which offers up to $250 in cash advances with no interest, no monthly fees, and no credit check required.

In addition to providing fast and accessible cash advances, MoneyLion also offers a range of other financial services, such as mobile bank and investment accounts with optional fees for fast funding and tips.

4. Dave

Understanding Dave App’s Cash Advance Feature

Dave is a cash advance app that many people turn to when they need quick access to money. With Dave, you can borrow up to $500 instantly and with zero interest. What’s more, the app does not require credit checks or any hidden fees.

One of the things that stand out about Dave is its flexibility when it comes to repayment. The payment schedule is customizable, allowing users to choose when they want to repay their loan without fear of getting hit by late fees or overdrafts.

5. Empower

Empower is one of the top cash advance apps for 2023. This app offers a range of helpful features, such as cash advances, budgeting tools, and bank accounts. With Empower, users can request a cash advance of up to $250 with no interest or late fees, making it a cost-effective option for accessing earned money early.

However, it’s important to note that Empower does charge a monthly subscription fee of $8. So if you’re considering this app as your go-to for instant funds when you need them most, weigh its costs against the benefits before signing up.

6. Klover

Klover is one of the top 7 guaranteed cash advance apps for 2023 that can provide you with a cash advance of up to $200, based on bank account eligibility and participation in its points program.

With Klover, you have the option to access fast funding and even leave tips if you so choose.

It’s important to remember that cash advance apps should only be used for immediate cash needs and unexpected expenses. While Klover may seem like an appealing solution at first glance, it’s crucial to carefully consider all factors before committing to any loan or credit line.

Remember that borrowing money always comes at a cost – high-interest rates and fees can add up quickly and lead to a cycle of debt if not managed properly. Personal loans are often considered a better alternative to payday loans as they offer lower interest rates and more manageable payments over time.

7. Earnin

Earnin is a top-rated cash advance app that’s perfect for anyone who needs quick money. You can borrow up to $100 per day and $750 per pay period through this app without paying any interest or fees.

However, you may have to pay additional fees if you want an instant deposit.

To use Earnin, users must provide proof of their work hours and earnings. It also offers features like Balance Shield and Earnin Express to protect users from bank overdraft fees and ease the payment of cash advances.

How Does The Approval Process Work With Cash Advance Apps?

How Does The Approval Process Work With Cash Advance Apps?

Getting approved for a cash advance through an app is usually a quick and easy process. First, you’ll need to download the app and create an account. You’ll then be asked to link your bank account so that the app can determine your eligibility for a cash advance.

Once you’ve linked your bank account, the app will analyze your income and spending patterns to determine your eligibility for a cash advance. Some apps, like Brigit and Earnin, may also take into consideration factors such as your job status or employer information when determining your eligibility.

It’s important to note that not everyone who applies for a cash advance will be approved. Eligibility requirements vary depending on the app and its underwriting criteria (which we discussed in detail above).

Additionally, while approval rates may be higher than traditional lenders due to relaxed credit standards, some factors like negative banking history or insufficient income could still lead to rejection.

Tips To Get Guaranteed Approval Instantly

As a cash advance user, I understand how critical it is to get instant approval when you need quick cash. Here are some tips that can help you secure guaranteed approval instantly:

  1. Choose the right app: Before applying for a cash advance app, research and compare different apps’ features and costs to pick the one that suits your needs perfectly.
  2. Ensure eligibility: Check the app’s eligibility requirements and ensure that you meet them before applying. Meeting these requirements can increase your chances of getting approved.
  3. Provide accurate information: When filling out the application, make sure to provide accurate information about yourself, your income, and your bank account details.
  4. Have a steady income: Having a steady job or income source can significantly increase your chances of getting approved for a cash advance.
  5. Use the app regularly: Some apps offer repeat customers higher borrowing limits and lower fees. Using the app regularly and paying back on time can help you build trust with the lender and improve your creditworthiness.

Remember to borrow only what you need and have a plan in place to repay the loan on time to avoid additional fees or damaging your credit score.

Factors To Consider When Choosing A Cash Advance App

When choosing a cash advance app, make sure to consider factors such as guaranteed approval, interest rates, and fees, advance limits, repayment terms, application requirements, and user-friendly interfaces.

Guaranteed Approval

As cash advance user, we are always looking for options that offer guaranteed approval. While many apps claim to provide instant access to funds, it’s essential to choose carefully.

Some lenders may require specific credit scores or review previous borrowing history before approving the loan application.

It’s important to note that while these cash advance apps promise fast and easy money with no credit check required for approval quickly, they come with high APRs and fees.

Therefore it is crucial to evaluate the terms and conditions offered by each app so you can make an informed choice about which one will work best for your financial situation.

Interest Rates And Fees

As a cash advance user, it’s important to understand the interest rates and fees associated with these apps. While they may be convenient in providing quick access to cash, they can come at a high cost.

In addition to interest rates, cash advance apps may also have subscription fees, fast-funding fees, and optional tips that add up quickly over time. These costs are not expressed as traditional interest rates, making it easy for users to overlook them.

Advance Limits

As a cash advance user, it’s important to be aware of the maximum amount you can borrow from an app. While some apps may allow you to borrow up to $250 or more, others may have lower limits of around $100.

It’s important to note that these advance limits are often based on your income and spending habits, so they may vary depending on your personal financial situation. Additionally, some apps like SeedFi offer larger borrowing limits of up to $20,000 with longer repayment terms of 12-60 months but require stricter eligibility requirements such as proof of income and bank account information.

Repayment Terms

As a cash advance user, it’s crucial to carefully consider the repayment terms before choosing an app. While some apps offer flexible repayment periods, others may require full payment in just a few weeks – potentially leading borrowers into a cycle of debt.

Additionally, fees can accumulate quickly, and financial experts do not recommend paying for early access to earned money. For example, Dave charges $1 per month for its basic subscription plan, while Earnin has no required fees but encourages tipping and offers repayment flexibility with 0% interest on cash advances.

Application Requirements

To apply for a cash advance app, you’ll need to meet certain requirements. Most apps require users to be at least 18 years old and have an active checking account in their name.

When filling out the application, it’s essential, to be honest about your financial situation and provide accurate information. Keep in mind that approval is not guaranteed, even with cash advance apps that advertise instant approval.

It’s crucial to read the terms and conditions carefully before accepting any loan offer from a cash advance app. This includes understanding all fees associated with borrowing and repayment terms, such as due dates and automatic withdrawals from your checking account.

User-friendly Interface

As a cash advance user, choosing an app with a user-friendly interface is crucial. A well-designed and intuitive interface can make the borrowing process easier and more straightforward, ensuring that you don’t miss any important details or deadlines.

For example, some apps may provide push notifications to remind you of upcoming repayments or overdraft fees.

From [IMPORTANT FACTS], we know that overdraft fees can quickly add up if your bank account isn’t adequately funded; therefore, using an app with a clear layout and easy-to-understand language can help ensure that you stay on top of your finances.

Some examples of cash advance apps with user-friendly interfaces include Brigit, EarnIn, Empower, Dave, MoneyLion, SoLo Funds Klover, and Chime – all listed in this article.

7 Alternatives To Cash Advance Apps

If you’re looking for other options besides cash advance apps, here are seven alternatives to consider:

  1. Small Personal Loans: Consider online lenders that offer small personal loans, such as PockBox or SeedFi, which could potentially provide lower interest rates and fees compared to cash advance apps.
  2. Payday Alternative Loans (PALs): PALs are offered by credit unions and usually have lower interest rates and fees than traditional payday loans.
  3. Buy Now, Pay Later” Apps: There are also various “buy now, pay later” apps available like Affirm and Afterpay, that allow you to split purchases into smaller payments over a period of time.
  4. Side Hustles: Finding a side gig or freelance work can be an ideal solution for quick cash access. You can earn extra income through rideshare driving, completing online surveys or babysitting gigs.
  5. Family Loans: Consider borrowing money from family or friends if you’re in need of financial assistance instead of using a cash advance app.
  6. Income-Based Repayment Plans: For those with student loan debt, switching to an income-based repayment plan can help reduce monthly payments and free up some extra cash.
  7. Cancel Automatic Subscriptions: Cutting expenses by canceling automatic subscriptions can help improve financial stability and potentially eliminate the need for a cash advance app altogether.

Remember to carefully consider all options before borrowing money through any means.

Pros And Cons Of Using Cash Advance Apps

Cash advance apps offer a convenient way to get quick access to funds, but it’s essential to weigh the pros and cons before using them. Below is an overview of the advantages and disadvantages of using cash advance apps:

Quick access to cash when neededCosts can add up quickly, resulting in high APRs
No credit checks, making it accessible to users with poor or no credit historyRepayment history is not reported to credit bureaus, so it doesn’t help improve credit scores
May be cheaper than overdraft fees from banksCan lead to a cycle of debt if relied upon for regular expenses
User-friendly interfaces make it easy to apply for and receive cash advancesNot all apps guarantee approval, and some may require subscription fees
Can be a useful resource during financial emergenciesConsumer advocates argue that they may be thinly veiled payday lenders, with some similarities

As with any financial decision, it’s crucial to consider your unique situation and research alternative options before relying on cash advance apps for funds.

Understanding Cash Advance Apps With Guaranteed Approval

Cash advance apps with guaranteed approval offer instant access to cash, but they often come with high-interest rates and fees that may make them difficult to manage for some borrowers.

Are Cash Advance Apps Payday Lenders?

Cash advance apps are not technically considered payday lenders, but they share similarities with them. Both offer quick access to cash and charge high fees and interest rates.

However, unlike payday loans that require a lump sum payment on the borrower’s next pay date, cash advance apps allow users to repay in installments or from their next paycheck.

It is important for cash advance users to understand the terms and costs associated with these apps before borrowing money. Additionally, overreliance on these types of loans can result in a cycle of debt that can be difficult to break free from.

How Fast Can I Get A Cash Advance?

Getting a cash advance from an app can be very fast and convenient. Some apps offer instant approval, meaning that the funds could be available in your account within minutes of completing the application.

For example, Brigit offers instant approval and can send the money to your bank account as soon as you request it.

Keep in mind that while these apps can provide quick access to cash, they come with high fees and interest rates. It’s essential only to use them when necessary and consider cheaper alternatives before borrowing.

What Are The Application Requirements For Cash Advance Apps?

To apply for a cash advance app, you must meet the eligibility requirements. Most apps require users to have an active checking account with a steady income source and be at least 18 years old.

Some apps may ask for additional information such as your social security number, driver’s license, or proof of employment.

It’s important to note that cash advance apps do not perform credit checks but instead consider other factors like your spending habits and earning potential.

Make sure to read through the terms and conditions thoroughly before applying for any cash advance app and ensure that you can afford the costs associated with using it.

How To Break The Paycheck-to-Paycheck Cycle

To break the paycheck-to-paycheck cycle, it’s important to understand how much income is needed, review student loan payments, build up a cash cushion, pay off debt, and cut expenses by analyzing spending habits.

Understand How Much You Need To Earn

To break the paycheck-to-paycheck cycle, it’s crucial to understand how much you need to earn. Start by creating a budget and tracking your expenses for at least a month.

This will help identify areas where you can cut back on spending and free up cash for other necessities.

For example, if your monthly expenses total $3,000 and you want to save an additional $500 each month, then you’ll need to earn at least $3,500 per month after taxes. Keep in mind that this figure may change as circumstances like housing costs or medical bills arise.

Review Student Loan Payments

If you have student loans, it’s essential to keep track of your payments and repayment plan. Late or missed payments can damage your credit score and lead to fees and interest charges.

If you’re struggling to make your payments, consider switching to an income-based repayment plan or refinancing with a lower interest rate. You can also look into programs that forgive a portion of your debt after a certain number of on-time payments.

Make sure to set reminders for payment due dates and budget accordingly by tracking expenses and cutting unnecessary costs identified through financial management tools like Trim.

Build Up A Cash Cushion

As a cash advance user, it’s crucial to build up a cash cushion to avoid getting trapped in a cycle of debt. Even saving as little as $1,000 can provide some stability and prevent the need for frequent advances or high-interest credit card debt.

One way to start building up your cushion is by reviewing and adjusting your student loan payments or negotiating with lenders for more favorable repayment terms.

Another effective strategy is cutting expenses drastically by downsizing your living arrangements, eliminating non-essential purchases like subscription services, and opting for low-cost alternatives like cooking meals at home instead of eating out.

Remember that every dollar saved helps add to your cash cushion and provides greater financial security in case of unexpected expenses.

Pay Off Your Debt

As a cash advance user, paying off debt should be a top priority to break the cycle of financial stress. Start by creating a budget and identifying unnecessary expenses that can be cut down or eliminated altogether.

Focus on paying down high-interest credit card debts first while making minimum payments on other loans. Consider consolidating debt with a personal loan that offers lower interest rates and more manageable payments than payday loans.

One effective way to eliminate debt is through disciplined spending habits and strict adherence to budgeting goals. This includes cutting back on luxuries like dining out or shopping for non-essential items until all outstanding balances are paid in full.

Cut Expenses

To break the cycle of living paycheck-to-paycheck, one crucial step is to cut expenses. Look through your budget and find areas where you can make adjustments. Cancel automatic subscriptions or memberships that you don’t use or need anymore.

Use coupons when shopping for groceries and avoid eating out as often.

Another way to reduce expenses is by eliminating debt. High-interest credit card debts can create a heavy financial burden and keep you from achieving your financial goals.

Paying off these debts creates more room in your budget for unexpected expenses and savings.

Our Takeaway

Cash advance apps offer a quick way to access cash in times of emergency, but they come with high fees and interest rates. While guaranteed approval may seem attractive, it’s essential to consider the long-term impact on your finances.

Before taking out a cash advance, review other options like personal loans or credit union loans that might offer lower interest rates and better repayment terms. By analyzing your income, reviewing spending habits, building savings, and paying off debt, you can break the cycle of relying on these apps for regular expenses.

Article Sources & Helpful Links

Here are some helpful links that may help you learn more:

  1. Albert Official Website: The official website of Albert is a financial application that offers cash advances and helps users with budgeting and saving.
  2. Brigit App on App Store: Download Brigit, a financial app that provides up to $250 cash advance, from the App Store.
  3. Brigit’s Earn & Save Program: Learn about Brigit’s Earn & Save program, which helps users earn more money and save smarter.
  4. Dave’s ExtraCash™ Advance: Get up to $500 cash advance with no interest, credit checks, or late fees from Dave.
  5. Consumer Financial Protection Bureau: The official website of the Consumer Financial Protection Bureau, a U.S. government agency ensuring fair treatment by banks, lenders, and other financial institutions.
  6. Federal Trade Commission: The official website of the Federal Trade Commission, protecting America’s consumers for over 100 years.

Guaranteed Cash Advance Apps (FAQs)

What are cash advance apps?

Cash advance apps are mobile apps that allow users to get a quick cash advance on their paycheck or borrow money before their payday. These apps offer instant approval and are designed to help you get out of a bind when you need cash fast.

What is a payday loan?

A payday loan is a short-term loan that is typically used to cover unexpected expenses or tide you over until your next paycheck. Payday loans often come with high-interest rates and fees, making them an expensive way to borrow money.

What are the best cash advance apps?

The best cash advance apps include Earnin, Dave, Chime, MoneyLion, and Brigit. These apps offer instant approval, low fees, and flexible repayment terms.

How do cash advance apps work?

Cash advance apps work by allowing users to borrow money based on their paycheck or bank account balance. Once you are approved, you can access the funds immediately and use them to cover your expenses. The app will deduct the loan amount plus fees from your account on your next payday.

Can I get a cash advance if I have bad credit?

Yes, you can get a cash advance even if you have bad credit. Unlike traditional lenders, cash advance apps do not check your credit score. Instead, they look at your income and spending habits to determine your eligibility.

What is overdraft protection?

Overdraft protection is a service offered by banks that allows you to overdraw your account without facing penalties. When you enroll in overdraft protection, the bank will cover any overdraft transactions and charge you a fee for the service.

Are there any apps like Dave that work?

Yes, there are several cash advance apps like Dave that work just as well. These apps include Earnin, Chime, MoneyLion, and Brigit. Each app offers different features and benefits, so it’s important to compare them before choosing one.

Can I get a quick cash advance?

Yes, you can get a quick cash advance through a cash advance app. These apps offer instant approval and same-day funding, allowing you to access the funds you need when you need them.

How much money can I borrow with a cash advance app?

The amount you can borrow with a cash advance app varies depending on the app and your financial situation. However, most apps offer cash advances up to $250 or more.

How do I apply for a cash advance?

To apply for a cash advance, download the cash advance app of your choice and create an account. You will need to provide some basic information about yourself and your income. Once you are approved, you can request a cash advance and receive the funds immediately.

James Allen, a finance enthusiast with 10+ years of experience, founded Billpin in 2020 to demystify personal finance. Inspired by his mother’s frugality and his own financial expertise, James aims to transform people’s relationship with money. Through this site, he provides easy-to-understand guides, empowering individuals to manage their finances effectively and take control of their financial future.

Content Disclaimer: Opinions expressed here are the authors alone, not those of any companies mentioned, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

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