We compared every cash advance app so you don't have to. Get up to $500 instantly with zero interest — no payday loan traps, no credit check.
Payday loans charge 300–600% APR — a $200 loan costs $260–$320 in fees. Cash advance apps like Dave and EarnIn charge zero interest. Dave's $1/month subscription on a $200 advance is effectively a 0.5% fee. The CFPB has specifically cited cash advance apps as the safe alternative to payday lending.
Ranked by Quick Cash Score — our independent rating
Up to $500 instantly, zero interest, no credit check — all for $1/month. The most advance for the least cost of any app. 500,000+ 5-star reviews.
Get Up to $500 from Dave →All apps ranked by Quick Cash Score
| App | Price/mo | Max Advance | Cash Score | Speed | Action |
|---|
Which apps have the features you need?
| Feature | Dave | EarnIn | Brigit | MoneyLion | Cleo |
|---|---|---|---|---|---|
| No Credit Check | ✓ | ✓ | ✓ | ✓ | ✓ |
| Zero Interest | ✓ | ✓ | ✓ | ✓ | ✓ |
| Instant Transfer | ✓ | Fee | ✓ | To MoneyLion | ✓ |
| Free Plan Available | ✗ | ✓ | ✗ | ✓ | ✗ |
| Gig Worker OK | ✓ | ✗ | ✓ | ✓ | ✓ |
| Credit Builder | ✗ | ✗ | ✓ | ✓ | ✓ |
| Max Advance $500 | ✓ | $1K/period | ✗ | ✓ | ✗ |
| No Direct Deposit Req. | ✓ | ✓ | ✓ | ✓ | ✓ |
Everything you need to know about cash advance apps
Get started with our top picks — no credit check, no interest, money in minutes.