Cash advance apps are becoming increasingly popular in the financial space.
In fact, a recent survey shows that 33% percent of Americans prefer to use cash advance apps over getting a traditional loan. This shows how more and more consumers are relying on these apps for their cash needs.
The best is that most of these cash advance apps integrate with payment services like Cash App either directly or indirectly—making it possible for every Cash App user to get a cash advance straight in their app.
In this guide, I've compared and listed the best cash advance apps that work with Cash App to let you get your loan right in your account.
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What are Cash Advance Apps?
Cash advance apps are simply those apps that let you get a cash advance that you'll have to pay before a scheduled repayment date. They are typically preferred to traditional bank loans because they are interest-free, fast, and convenient to use—you can get a cash advance almost instantly in most cases.
The amount you can get from these apps differs from one app to the next. For example, Brigit offers cash advances of up to $250 meanwhile you can get a loan of up to $500 from Dave.
What You Should Know About Cash Advance Apps That Work With Cash App
As you all might know, most cash advance apps use Plaid to connect to bank accounts. Plaid is a service that streamlines the process of linking your financial details to fintech apps like these cash advance apps—the reason why they use Plaid.
The unfortunate thing here is that Cash App isn't listed on Plaid's app list. So this already makes it difficult to find a cash advance app that works directly with Cash App because this one should not use Plaid.
Nevertheless, a few loan apps like Current should allow you to directly link your Cash App account to get cash advances through it directly and even if you find an app on this list that doesn't work with Cash App, you can always use your bank account as a bridge for receiving your cash advance. This is the indirect method.
The process, in this case, will typically be as follows:
- Link your bank account to Cash App and the Cash Advance app you want to use.
- Get your cash advance from the loan app to your bank account.
- Transfer the funds to your Cash App as soon as they arrive in your bank account.
So you can see that either way, you'll still be getting a cash advance on your Cash App account.
What Free Cash Advance/Payday Loan Apps Work With Cash App?
From what has been mentioned above, you might think Cash App will work well with any Cash Advance app—that's not the case.
Every Cash Advance app needs to check your income and determine how much you qualify for—and if the app can't connect to Cash App, you'll only have to use your bank account provided it is in good standing, that is, it has no negative records.
With all that being said, here is a list of the best Cash Advance apps that should work with Cash App either directly or indirectly:
- Dave.
- Current.
- Chime.
- Albert.
- Brigit.
- MoneyLion.
1. Dave
Dave is a popular Cash Advance app out there and probably the first choice for everyone looking to get a quick loan for any situation.
Its cash advance feature, called ExtraCash allows you to get a a free interest cash advance of up to $500 that can be transferred to your account once you're approved and the amount you can get will depend on your spending habits.
Dave does not directly integrate with Cash App but it allows you to link your Cash App by verifying the two micro-deposits it will send to your Cash App account. Of course, your Cash App account here will act more like a bank and you'll need your account and routing number for the process.
Once verified, you should be able to transfer your cash advance to Cash App and if you're someone who regularly receives direct deposit Cash App, you'll easily qualify for higher amounts.
2. Current
Current is another cash advance app that most consumers love using out there.
Yes it uses Plaid, but that's not just the only way you can link a bank account to it—you can link your debit card to it which doesn't involve the use of Plaid. Of course, this is how you'll get to link your Cash App to Current—through your Cash App debit card.
Once linked, you should be able to get a cash advance through Currents Overdrive which is the cash advance feature of the app that allows you to get loans of up to $200 without incurring overdraft fees. However, you'll have to qualify for this by receiving at least $500 in direct deposits per 30 rolling days on your Current account.
3. Chime
Chime is not a cash advance app in a traditional sense, it is an online-only bank that makes digital banking even more convenient nowadays.
When we talk of digital banking, it is always worth mentioning fintech loans as well and Chime despite being a neobank offers one of the most competitive cash advance features in the market.
Chime SpotMe is Chime's cash advance feature and it allows you to get a fee-free overdraft loan of up to $200 which is immediately made available to use.
Qualifying for Chime SpotMe is very easy—you just need to activate your Chime Visa® Debit Card or Credit Builder card and receive a qualifying direct deposit of $200 or more 30 rolling days.
SpotMe shares a similarity with traditional cash advances from credit cards, you can withdraw the funds in your SpotMe at any ATM and it is through this channel that you can easily have your funds deposited on Cash App.
You won't have to use a linked bank account—you can add the funds you withdraw from SpotMe to your Cash App balance which should take only a few minutes since you won't have to wait for bank processing.
4. Albert
Albert is another Cash Advance app that works well with Cash App—but not directly since it uses Plaid. In this case, you'll have to use your Cash App routing and account numbers to link your Cash App to Albert.
Once approved, you should be able to get an Instant cash advance of up to $250, and just like any other loan app, Albert relies on a few information to determine how much you can get as overdraft, which includes:
- Account activity: You must have an active bank account linked to Albert.
- Transaction history: How frequently you use Albert for transactions.
- Direct deposit: You need to set up qualifying direct deposits with Albert Cash to potentially raise your Instant limit.
The limit determined for your account at a glance isn't the end of it. You can increase this liùit by regularly using Albert for transactions.
5. Brigit
Brigit is another payday loan app that works with Cash App through a linked checking account. This bank account will be used to determine how much you can get qualified for in overdraft between $25 and $250.
The checking account you link to Brigit will need to meet certain requirements before you can be qualified for a Brigit Instant Cash Advance, which includes:
- Being the primary account that you use daily
- Being active for at least 60 days
- Have a balance above $0
- Have at least three recurring deposits from the same source, like a direct deposit from your employer
- Have a good credit score
You can also try linking your Cash App account and routing number to Brigit to see if it works. If it does, then you won't need to use a traditional bank account. Cash App will be your bank account and will need to meet the aforementioned requirements for your to qualify for Brigit Instant Cash.
6. MoneyLion
MoneyLion is a payday loan app whose cash advance feature, Instacash, is one that everyone will love using probably because of the overdraft amount ranging from $20 to $1,000 making it a good fit for any cash situations—whether it is paying a bill, repairing your car, or shopping groceries.
There are two ways to link Cash App to MoneyLion, either through your Cash App debit card or through your checking account.
Linking through your Cash App debit card isn't always guaranteed to work, however, if you use your checking account as a bridge instead, you can be sure to get the loan provided your account qualifies for MoneyLion's Instacash.
How to Link Cash Advance Apps to Cash App
Cash Advance apps cannot be directly linked to Cash App as mentioned earlier. In this case, you will need to use a bank account as a middleman or bridge for the transaction. The bank account used here must be linked to both Cash App and the Cash Advance app. Once linked, you can easily transfer money between both apps using the bank account as an intermediate.
Another option is to link the debit card or bank account that you have set up with these cash advance apps, such as Dave, and MoneyLion, in Cash App. This will allow you to access funds from these payday advance apps on your Cash App.
Does Dave Work With Cash App?
Yes, Dave does work with Cash App through a linked bank account.
Does MoneyLion Work With Cash App?
Yes, MoneyLion does work with Cash App either through your Cash App card or through your checking account.
Does Earnin Work With Cash App?
No, Earnin does not work with Cash App.
Does Chime SpotMe Work With Cash App?
Chime SpotMe does not directly work with Cash App. However, you can withdraw your SpotMe overdraft at a supported ATM and add them to your Cash App account. The process should take only a few minutes.
Does Albert Work With Cash App?
Yes, Albert works with Cash App through your Cash Card or through your checking account.
How to Borrow Money From Cash App
Cash App has its own borrow feature, which allows you to borrow money from Cash App up to a $200. The Cash App Borrow feature is still being tested and is not yet available to everyone.
To borrow money from Cash App:
- Login to your Cash App account.
- Select the Banking tab.
- Scroll all the way down and select Borrow.
- On the next screen, Cash App will show you the maximum amount that you can borrow.
- Select the amount and choose to borrow.
Frequently Asked Questions
Do any cash advance apps work with Cash App?
There is no cash advance app that work directly with Cash App as of this writing. All the others might work indirectly.
What app lets you borrow with Cash App?
You don't need an app to borrow money from Cash App. Cash App borrow allows eligible users borrow money from the platform without having to use any app.
Final Thoughts on What Cash Advance Apps Work With Cash App
Cash Advance apps allow you to borrow money before your next payday. They are a significantly less expensive alternative to traditional banks' overdraft, which come with high costs.
Cash Advance apps don't work directly with Cash App. In this case, you will need to use a bank account or a Cash App debit card as a bridge for the transaction. The bank account must be linked to both apps for this to work out.
This guide compiles the best Cash Advance apps that work with Cash App either directly or indirectly so you can get your overdraft in your Cash App account.
References:
https://thecollegeinvestor.com/32291/cash-advance-apps/
https://www.nerdwallet.com/article/loans/personal-loans/loan-apps
https://www.monito.com/en/wiki/cash-advance-apps-that-work-with-cash-app