How to get a free cash advance without a credit check

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7 free and low cost cash advance apps

1. Boro

Characteristics

You can access a loan of up to $2,000 at an interest rate that depends on your credit score. Repayment must be complete within 12 months. You don’t need to have direct deposit set up or a job. But you will be responsible for the monthly payments.

Cost

Membership is free. Interest rates are based on your creditworthiness. If you repay your loan within one month, it is interest free.

Who can use it

Boro is for students. You must be at least 18 years old and enrolled in a US college or university. Recent graduates may also qualify. Boro loans (called BoroCash) are only available in about half of the country. You will need to check the website to see if loans are available in your state.

Other features to know

Paying off your loan will help you build your credit. Payments are automatically deducted from your linked checking account.

2. Bridget

Characteristics

Get a free cash advance up to $250. No credit check is required. The first time you take a cash advance, it will automatically be deducted from your next paycheque, or you can request an extension of the due date once. As you use the app, you will be eligible for more payment due date extensions (up to three).

Cost

Brigit is free but not instant. For a same-day cash advance, you need the premium subscription for $9.99 per month. With this option, Brigit automatically funds your checking account to avoid potential overdrafts and allows more time for loan repayment, among other benefits.

Who can use it

You must have an active bank account with recurring direct deposit to qualify for Brigit Instant Cash.

There is no minimum credit score requirement and using Brigit does not affect your credit. However, Brigit may limit or refuse services if:

  • Your bank account is new (opened within the last 60 days).
  • You have an overdraft history on your account.
  • You haven’t received at least three direct deposits from your primary source of income.

Other details to know

Brigit provides free financial health updates, as well as information on additional income opportunities.

3. Chime

Characteristics

If you have direct deposit, Chime releases your pay the same day your employer deposits it. Most banks hold funds for 1-3 days. It’s not quite an emergency loan, but it does speed up access to the money you’ve already earned.

Cost

Free. There are no monthly maintenance fees, no fees if you go over your account, and no fees to use the 38,000 ATMs in its network.

Who can use it

Anyone can apply for Chime membership. You will need to provide your social security number, cell phone number, and address. You may need to provide a copy of your ID. Chime says opening an account won’t affect your credit score. Some features, like free overdraft protection, require a minimum direct deposit amount each month.

Other details to know

  • Chime is an app that partners with an FDIC-insured bank to help you manage your money.
  • You’ll earn more with Chime’s high-yield savings than most banks.
  • Chime offers a secure credit card with credit generator with no credit check required. The card has no annual fees, no maintenance fees and does not charge interest (because the account is pre-funded by you like a prepaid debit card).
  • Automatic savings is streamlined at Chime. Like most banks, Chime lets you set aside a portion of each paycheck. Chime also lets you round up every debit card purchase and put that spare change into your savings account.
  • Overdraft protection is initially limited to $20, but increases to $200 for members with positive account history.

4.David

Characteristics

You can obtain a cash advance of up to $200 when Dave notifies you that you are at risk of overdraft. No credit check required. If you have direct deposit, Dave gives you the money as soon as your employer transfers it.

Cost

A Dave membership is $1 per month. There is no minimum balance requirement for a Dave checking account. Qualified members can pay an additional fee to get up to $100 cash over the regular limit. Tips are accepted, but optional.

Who can use it

Anyone can join Dave. You will need to provide credentials and connect your bank account. You may be asked for proof of address or a copy of your identity document.

Other details to know

Dave offers a free rent statement service to help you establish credit and information on how to earn more money. Additionally, you can access your account through 32,000 ATMs free of charge.

5. Win

Characteristics

Get cash advances of up to $100 per day and $500 per pay period. No credit check required. The repayment date is your next payday, unless you request a different due date at least two business days before that date.

Cost

Free but Earnin accepts tips up to $14 per $100 withdrawal transaction. Tips are optional, but Earnin says they support the app financially.

Who can use it

Anyone with a job, bank account and direct deposit. You will first need to set up your Earnin account by downloading the app, entering your information and connecting your bank account.

Other details to know

Earnin is an app that partners with an FDIC-insured bank to help you manage your money. Earnin offers other features in addition to the cash advance product, including a savings tool, financial information, and a low balance alert. If enabled, the low balance tool will automatically transfer a $100 cash advance to your bank account when your balance drops below this amount (to help you avoid overdrafts).

6. Empower

Characteristics

You can get an instant cash advance of up to $250 anytime during your pay cycle. No credit check is required.

Cost

Empower membership costs $8 per month after a 14-day free trial period. Instant cash advances require an Empower checking account; if you want the money transferred to an external bank account, you may have to pay a $3 fee and it will not arrive in your account the same day you request it.

Who can use it

To be eligible for the free cash advance, you must have an established account with Empower and a minimum of direct deposits. To register, Empower will need your address, phone number, and social security number. You may need to provide a copy of your ID and proof of your current address.

Other details to know

  • Empower is an app that partners with an FDIC-insured bank to help you manage your money.
  • You can take advantage of an automatic savings plan that sets aside small amounts of money each week.
  • You will have free access to 37,000 ATMs.
  • If you have a direct deposit, Empower usually gives you the money the same day your employer deposits it. In many other banks it takes 1-3 days.
  • You can earn up to 10% cash back on debit card purchases.
  • Set your own spending limit to help you manage your money.

7. Silver Lion

Characteristics

You can get a free cash advance up to $250. No credit check is required. If you transfer your direct deposits to a MoneyLion account (called RoarMoney) or take out a MoneyLion credit loan, you can potentially access $300.

Cost

Free, but cash advances take 12 hours to 5 business days, depending on the type of checking account you have linked. If you want the cash instantly, you will have to pay a fee of $3.99 to $4.99 for each cash advance.

Who can use it

You will need to have already linked your current account and verified your identity to qualify for the free cash advance. Your cash advance limit will depend on the amount and consistency of your direct deposits. Limits start at $25. Also, your current account must be established (at least two months old) and active (used regularly).

Other details to know

  • Credit Builder Plus is a low interest credit loan that helps you build 12 months of payment history so you can build credit and save money. The loan amount can be up to $1,000, but you won’t have access to all of these funds immediately. You will receive part of it, and the rest is held in a reserve account and released as you make payments. The program fee is $19.99 per month and interest is charged on the loan.
  • Members who open a RoarMoney checking account can earn money on debit card purchases. Cash back is automatically invested in a managed wallet account where you can access it or let it grow.

Need a current account? Check out The Ascent’s roundup of the best checking accounts and pick the one that’s right for you.

Emergency loans

If you need money right now and haven’t set up one of these apps yet, you may still have options. If you have a credit card, you may qualify for a credit card cash advance. Members of some credit unions can get a low-cost alternative payday loan (PAL). Homeowners and renters can even qualify for a Small Business Association (SBA) disaster loan under certain circumstances. See our article on emergency loans to learn more.

If what you want is an ever-earlier payday, here are a few apps besides Chime that help you get your direct deposit faster (but might not offer payday loans or cash advances). funds):

  • Axos Bank
  • Go2Bank
  • SoFi Silver
  • Varo (Varo also offers free cash advances of up to $20 to eligible members, and larger cash advances for a fee.)
  • Wealthfront cash account
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