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30-Second Summary: B9 offers a convenient way to access your wages before payday. You can get up to $500 with no credit check using one of the most cost-effective cash advance apps available today.
With a Basic B9 plan setting you back $9.99, there are lower monthly subscription options available, so is B9 the right choice, or will other apps like B9 be a better fit?
We’ve rounded up the best alternative cash advance apps to B9 to answer that question.
Need $500 immediately? We recommend Dave for fast cash ⚡
What are the best features of the B9 cash advance?
B9 is a handy app offering cash advances for the hours you’ve worked – even when payday is still around the corner.
Once you’ve downloaded the app you may be able to get a B9 cash advance for $100 with a basic membership, and up to $500 with a premium membership. There’s no credit check, no interest, and no late payment fees or penalties.
The Basic plan costs $9.99 per month, whereas the Premium plan comes at $19.99 per month.
Express fees range all the way from $1.49 for advances under $50 and $3.99 for a $100 advance, which are on the lower end of what many apps chare. However, if you take out a larger advance the fees keep climbing – all the way up to $19.99 for a $500 cash advance, which is certainly steep!
Unlike some other money-borrowing apps that look great on paper but tie you in knots with complicated terms and conditions, B9 is a useful option even if you’re a gig worker.
B9 considers your income from multiple sources – like side hustles, rentals, tutoring, and government benefits –, so you won’t be punished for not having a single employer or income source.
Is a B9 cash advance suitable for you?
When comparing the 15 most popular cash advance apps available, B9 ranked an impressive SECOND cheapest for borrowing $100.
But depending on your needs, there may be better options for you.
A monthly fee of up to $19.99 means you’ll need to get enough use from the B9 app to make it worth your while.
If you’re only looking for the odd cash advance, for example borrowing $40 every other month to pay for a night out, other apps like B9 may be a better fit.
Despite its relatively costly monthly payments, B9 doesn’t have the same extra features as apps like Dave or Brigit. So, if you’re looking for a full suite of tools to help you better manage your money, B9 might leave you wanting more.
What are the best apps like B9?
B9 isn’t the only app that can put cash in your pocket.
Other cash advance apps like B9 can help bridge the gap between paychecks so if you’re looking to check out other options or enjoy more features, here are the top apps we recommend.
Dave — Advances for up to $500 with no interest
Dave has been the pioneer of cash advance apps for a while and continues to be one of the best options available.
While many apps like B9 advertise themselves as helping ordinary Americans, the truth isn’t always so clear. In most cases, cash advance amounts advertised are the limit – not the introductory offer.
With Dave, you can qualify for a $500 advance almost immediately. While qualifying for the max amount front the get-go is rare, the average advance is around $160, which is still pretty decent2.
Money is transferred to your account in less than 60 seconds with a Dave Debit MasterCard®, or you can have the money sent to your existing debit card or bank account – though this will take longer.
Turbo fees cost 3% of the advance amount (with a $3 minimum) if you have the transfer done to your Dave Spending account, or 5% with a $5 minimum for external banks.
This already puts Dave’s costs well under B9’s, and that is without mentioning subscription costs.
As opposed to B9’s steep subscription fees ($9.99 or $19.99), Dave will only charge you $1/month for its membership, giving you access to all of its services.
Get a cash advance for up to $500 instantly >>> Check out Dave for free 👈
| Pros | Cons |
|---|---|
| ✓ Cash advances up to $500 | ✘ 1-3 business days to external checking account |
| ✓ No interest or fees | |
| ✓ No credit check | |
| ✓ $1 monthly membership is affordable |
Brigit — Enjoy up to $250 in cash advances with a robust financial
Brigit’s cash advances are available up to $250 – though a $50 to $100 limit is typical at first3.
Your cash advance amount comes down to your bank account activity, not your credit score.
This can help if you’re being turned down due to a low credit score. As a bonus, since Brigit monitors your bank balance, you’ll get automatic alerts when you’re close to overdrafting – which can save you $39 and up.
The Brigit app is free to download and offers some free features like a financial helper and some small activities to earn a couple of extra bucks.
If you want to access cash advances and other higher tier features, it’ll cost you $9.99/month for the “Plus” plan – which offers more than B9’s Basic Plan, but less than B9’s Premium Plan.
Since Brigit’s limit of $250 is lower than the $500 you can access with B9, you’ll need to decide if the extra features are worth it for you.
Access up to $250 in fee-free overdrafts >>> Explore Brigit Now 👈
| Pros | Cons |
|---|---|
| ✓ Access up to $250 in cash advances | ✘ Lower withdrawal amount |
| ✓ No credit check | ✘ $9.99 subscription required for cash advances |
| ✓ No interest or tip fees |
MoneyLion — Low-cost cash advances up to an impressive $1,000
MoneyLion is a handy option if you’re part of the gig economy – whether that’s as an Uber driver, Lyft driver, DoorDash driver or any other side hustle.
While some cash advance apps like B9 require a recurring deposit from a single employer, MoneyLion accepts gig work, side hustles, and second jobs to help you meet eligibility requirements.
MoneyLion’s signature InstaCash cash advances come with no interest or mandatory fees.
As with most apps, they give you the option of paying an express fee to get your cash nearly immediately. These fees vary from $1.99 for a $5 advance, to $8.99 for a $100 advance4.
| 🤓 Overdraft Apps Tip: You can increase your Instacash limit to $300 by adding a Roar Money account or MoneyLion Credit Builder Plus Membership. |
Keep in mind that you need to make multiple advances to get more than $100 from a MoneyLion InstaCash advance. This means, if you want to borrow $200, you’ll need to make two $100 advances and pay the express fee for each one.
By subscribing to MoneyLion’s banking service, RoarMoney , you can significantly reduce the price of these advances, and increase your limit from $250 to a whopping $1,000 5. The RoarMoney subscription costs $1/month.
If you choose not to pay the express fee, you can enjoy truly fee-free cash advances by sitting back and waiting for funds to land in your account. This takes 12 – 48 hours for a Roar Money account and 3 – 5 business days for your bank account.
Get cash advances up to $250 with no interest >>> Check out MoneyLion 👈
| Pros | Cons |
|---|---|
| ✓ Fee-free overdrafts up to $250 | ✘ 3-5 business days to an external checking account |
| ✓ 0% APR cash advances | ✘ Requires bank account access |
| ✓ No credit check |
Current — Up to $200 in fee-free overdrafts through Overdrive
The Current app can help make overdraft fees a thing of the past by letting you overdraft your checking account by up to $2006. with zero fees.
Current’s overdrafts are not cash advances strictly speaking, but proper overdrafts. This means you can’t get the money in cash, but you can get your account overdrawn when you’re making payments without sufficient funds.
This can be a great alternative when you’re in a pinch, especially since, unlike most app cash advances, these overdrafts truly have no fees.
You won’t immediately qualify for a $200 overdraft after you successfully apply for the Overdrive program, but you can access $25 overdrafts right away.
It might not sound like a huge amount, but it can save you a couple of headaches, or the embarrassing experience of getting the “insufficient funds” message when you’re trying to pay for a dinner.
Current only recently released a proper, fully-fledged cash advance feature, which they refer to as “paycheck advances.” However, the complete information regarding the costs and terms of this product hasn’t yet been disclosed by them.
Say Goodbye to Overdraft Fees >>> Sign up for Overdrive in less than 2 minutes 👈
| Pros | Cons |
|---|---|
| ✓ Up to $200 in fee-free overdrafts | ✘ Requires bank account for access |
| ✓ Fee-free ATM withdrawals | |
| ✓ No minimum balance or hidden fees |
In conclusion: should you keep using B9 or move somewhere else?
B9 is by no means a bad app, but its $9.99 and $19.99 monthly subscriptions might not be suited for everyone’s pockets, especially if you hate adding yet another recurring monthly expense to your budget.
While the express fees are not far above the average for these types of apps, the monthly fees on top can make them a relatively costly option if you’re not taking advantage of the app’s other perks, such as its robust cashback program.
If all you’re looking for is a quick cash advance like B9, apps like Dave and MoneyLion may provide you with a more affordable alternative.
Meanwhile, Current can be your go-to if what you need is the ability to get your account overdrawn and Brigit can complement your advances with some useful money-saving and earning tools.
BEFORE YOU GO…
Check out our most popular articles:
- Cash Advance Apps for Gig Workers: The Ultimate Guide 🔥
- Top FREE Instant Cash Advance Apps (Save Time) 🔥
- Simple Hack to Grow Your Credit For Just $5 a Month 🔥
WAIT! Why borrow quick cash when you can earn it?!
Cash advance apps can be a great tool for getting a little extra cash when you need it, but you’ll need to repay it – plus fees – wihtin a week or two. Did you know there’s an easy way to earn extra cash that’s yours to keep?
KashKick is a wildly popular service that lets you earn money for playing games, completing surveys, signing up for trial offers and more. (You’ll even earn cash for just completing your profile!) You can earn cash today and withdraw your earnings through PayPal once you’ve reached $10. You can earn over $100/month with KashKick – and you don’t need to spend a dime or take out your credit card to do it.
There are dozens of high-paying offers available on KashKick, and if you’re into playing new games on your phone, you can earn some serious cash for doing what you love. Though offers change regularly, there are currently1 more than three dozen offers available where you can earn cash – sometimes over $100 – just by downloading and playing popular games like Coin Master, Monoply Go, Bingo Blitz, and more. These games are all free to download, and no in-app purchases are required to earn with KashKick.
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- Apps Like FloatMe: Go From $50 to a $500 Cash Advance - May 8, 2024
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- As of February 13, 2024. Offers may change and may not be available to all users. Eligibity requirements apply. See KashKick's Terms of Service for full details.
- ExtraCash™ is a DDA account with overdraft utility, advances are subject to eligibility requirements and identity verification. Taking an ExtraCash™ advance will make your account balance negative. Express delivery fees apply to instant transfers. As of January 2024, the average approval amount for disbursed advances is $160 in the trailing six months. See the Dave ExtraCash™ Deposit Agreement and Disclosures for more details.
- Not all members will qualify for advances; Depending on eligibility, advances range from $50 – $250. Subject to Brigit’s approval and policies. Instant Cash is not available in all states.
- Turbo Fees vary based on the advance amount and disbursement account you choose
- Increased Instacash limit with Safety Net requires recurring direct deposit into RoarMoney account. Instacash is an optional service offered by MoneyLion. Your available Instacash Advance limit will be displayed to you in the MoneyLion mobile app and may change from time to time. Your limit will be based on your direct deposits, account transaction history, and other factors as determined by MoneyLion. See Instacash Terms and Conditions for more information and eligibility requirements
- Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.
