10 Best Cash Advance Apps With No Credit Check

Payday loan apps can help you with $100 or more when you’re running short.

Want to borrow more than $5,000? Click here!

Even people who earn plenty of money sometimes face a temporary cash-flow emergency. If you don’t have enough in the bank to cover your immediate expenses, you will probably have to borrow against your future income. Luckily, there are a number of ways to do this. Technology, including payday loan apps, has only made the process easier.

What Are Cash Advance Apps?

A cash advance or instant payday loan is simply some money you borrow with the intent to repay it with your next paycheck. These can be taken out from storefront businesses, online, and via cash advance apps.

No credit check is required to apply through one of these apps, though your credit score may affect the interest rate you’ll be offered. Payday loan apps are a convenient option for people who need a same day cash advance several times per year. Generally speaking, they offer only relatively small loans compared to other kinds of lenders.

Do No Credit Check Cash Advance Apps Really Exist?

They do. Instead of using your credit report as an indication of your ability to repay a cash advance, the best payday loan apps analyze your banking history. Factors like your income and spending patterns are more important to them than your credit score.

An instant payday loan app will typically connect to your bank account (with your permission) to gather this information. As soon as this is done, you’ll have access to payday loans online. Same-day payouts are possible, but you’ll probably be restricted to borrowing only small sums at first.

10 Best Cash Advance Apps With Lenient Requirements

Because most instant payday loan apps give better deals to long-term users, it’s a good idea to sign up with one today even if you don’t have an immediate need for a cash advance. With so many to choose from, we’ve prepared a list of the best cash advance apps. No credit check is required for most of them.


Being a student and running out of cash are almost synonymous. Boro is a same-day loan app specifically for them: as long as you’re 18 or older and enrolled in a college or a recent graduate, Boro can provide you with loans of up to $3,000.

These loans are best repaid within 30 days, in which case you’ll be charged a 5% fee but no interest. Alternatively, you may choose to pay them back over several months. Interest rates depend on your credit score. Boro isn’t available in all states but is free to join otherwise.


As long as you earn a steady income that’s paid into your checking account via direct deposit, Brigit can provide you with an instant payday loan of up to $250. As with many cash advance apps, no credit check is done. On the other hand, borrowing through them does not build your credit score even if you pay each loan back on time.

Brigit can be used for free, but many users will find the $10/month fee worth it. This is because the premium version of Brigit is not just a same day loans app but a digital budgeting advisor that includes protection against overdraft fees.


Like Brigit, you can request cash advances from Klover for free, but these aren’t paid out instantly (meaning the same business day) unless you fork over an extra fee of up to $25. You can borrow as much as $100 if your checking account shows regular deposits.

Klover is also a market research app. You can increase your borrowing limit to $130 by doing things like filling out surveys and watching ads. The paid version, at $2.50/month, also includes some budgeting and financial planning functions as well as a price comparison tool for smarter shopping.


Earnin follows a slightly different approach to that of most same day loan apps: instead of assuming that you earn the same amount every week, it allows you to link your work timesheet to the app and take out a cash advance against the actual number of hours you’ve worked.

New users can borrow a maximum of $100 per pay period, rising to $500 after using this same day loan app responsibly for a few months. Earnin is free to use and includes features like help with your savings plan and overdraft fee protection.


Chime is one of the best-known financial apps and can in fact be a substitute for a regular bank account. Compared to most banks, Chime’s fees are low and interest rates on savings high.

You can also overdraw your account (that is, spend more than you have) via automatic bill payments or debit card transactions. This isn’t quite the same as a same day cash advance, but close enough. For new customers, this overdraft protection is only $20, but this is automatically increased based on your transaction history in the app. Regular users may borrow up to a maximum of $200.


An Empower account gives you access to $250 same day no credit check payday loans once a month. This assumes that you receive regular direct deposits and have been with them for several months; new users will most likely be able to borrow only $25.

Like Chime, Empower is very nearly a full-service online banking solution. It does, however, cost $8 per month to use. The interest Empower pays on savings doesn’t even come close to canceling that out, though their relatively generous cashback system on debit card purchases may.


Varo is another, relatively new, online bank that includes an instant payday loan app. There are no monthly fees, but cash advances of more than $20 come with a small charge. The maximum customers are allowed to borrow is $100.

No interest is charged, but you are expected to pay back each loan within 30 days. All in all, Varo isn’t exactly one of the best payday loan apps, but it is nice to know that you can get a cash advance from them instead of paying an overdraft fee.


FloatMe is another borrow money app. No credit check is needed, but you’re limited to cash advances of only $50 per pay period. Depending on their banking history, new users may be able to request no more than $10 at first.

Repayments are automatically deducted from your next paycheck, so late fees aren’t usually an issue, and they charge zero interest on loans. On the other hand, FloatMe has a subscription fee of $2 per month and doesn’t accept self-employment or a side hustle as a source of income. With so many payday loan apps out there, FloatMe isn’t quite the most competitive especially due to its low maximum loan amounts.


In terms of how much you can borrow, DailyPay is one of the best instant cash advance apps: you may potentially take out an advance of as much as your regular weekly or monthly earnings. It is not, however, available to everyone: your employer’s payroll system has to be linked to DailyPay. This is certainly not true of all companies.

The fees DailyPay charges are relatively low compared to other pay day loan apps. There is one negative you should be aware of before signing up with them, though: many customers have complained about them and their app online.


About average compared to other cash advance apps, no credit check is required by MoneyLion and you can eventually ask to borrow up to $300. The actual limit for cash advances depends on how long you’ve had an account linked to their app and how much regular income you earn. Most new users will start at $25.

Loans are issued free of charge unless you need a same day cash advance, in which case you may need to pay as much as $5 extra. MoneyLion is worth looking at if you have very poor credit, particularly because their Credit Builder Plus loans are designed specifically to raise your credit score over time.

Alternative Instant Cash Advance Option

It’s easy to get excited about these apps’ same day no credit check payday loans. Unfortunately, you will probably not be able to borrow sums larger than a hundred dollars from them unless you’ve had an account open for a while and receive regular deposits.

Online payday and installment loans, by contrast, can provide you with over a thousand dollars of instant cash. Bad credit does affect the interest rates you’ll be able to get, but generally won’t prevent you from getting a loan. You have to understand, though, that different lenders frequently offer totally different deals to the same person. This is why it’s a good idea to use a comparison service like CocoLoan when shopping for same day no credit check payday loans.

How Does CocoLoan Compare

default imgWhy Trust CocoLoan?
How much can you get?$50 to $35,000Zero upfront charges
What are the loan terms?1 - 36 monthsEasy repayment
Are credit checks needed?YesMostly soft pulls
Are bad credit accepted?YesAll credit considered
How to apply?Totally onlineSimple and straightforward
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How to Borrow Payday Loans From CocoLoan Partner Lenders?

CocoLoan does more than just showing you which of several loans is cheaper. Instead, we actively look for payday and personal loans you pre-qualify for within our network of hundreds of lending partners.

This greatly reduces the time and effort required from you. Simply complete the application form, decide how much you wish to borrow, and fill in a few personal details using our secure online form. Within an hour or two, we’ll start contacting you with qualified loan offers from trustworthy lenders.

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Get a Cash Advance Instantly With CocoLoan Now!

No credit check loan apps are useful in some cases, but they can’t do everything. When you need money fast, other kinds of loans are often best – use CocoLoan to get a good deal.

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