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Updated July 2026.
Upgrade’s BoostCash stands out on two numbers that most cash advance apps cannot match: a $500 limit and up to 34 days to repay. In a category where $250 and two weeks are common ceilings, those terms deserve a closer look. The free tier is a real option, and the Premium plan has one detail that changes the express delivery math entirely.
Is BoostCash available in every state?
No. BoostCash is not available in CT, DC, GA, IL, IA, ME, MN, NV, NH, NM, NY, WA, or WI. Other states may qualify. Confirm availability in the app.
What is Upgrade?
Upgrade, Inc. (NMLS 1548935) is a fintech company offering personal loans, credit cards, and its Boost Money banking product. BoostCash is the cash advance feature inside the Boost Money Spend account. The Upgrade app in both stores covers the full product suite. This review focuses on BoostCash and how it works as a short-term advance tool.
Upgrade BoostCash at a glance
- Max advance: $500 (starts at $20 and grows with account history)
- Over $250: Requires eligible recurring direct deposits
- Free plan: Standard delivery, 3 to 5 business days
- Premium plan: $9.99/mo, unlocks express delivery within minutes (no per-transfer fee)
- Express fee: None on Premium; standard delivery is free on both plans
- Where funds go: Boost Money Spend account only. No external bank delivery.
- Repayment term: Up to 34 days
- App Store: 4.9 stars | Google Play: 4.5 stars
Fees: what BoostCash actually costs
BoostCash has a two-tier pricing model: free and Premium.
The free tier gives you advance access with standard delivery (3 to 5 business days) and no monthly charge. Your starting limit is $20, and it grows over time based on account activity.
The Premium plan costs $9.99 per month and adds unlimited express delivery within minutes (no separate per-transfer fee), faster advance limit increases, and 10% APY on your Boost Money Save balance up to $1,000. A limited free trial may be available to first-time Premium subscribers who set up direct deposit.
There is no interest, no tips, and no late fee. The 34-day repayment window is among the most generous in this category.
How BoostCash works
Open the Upgrade app and create a Boost Money Spend account. Once active, BoostCash will be available inside the app. Your initial limit starts at $20. Request an advance, choose standard or express delivery, and the funds arrive in your Boost Money Spend account.
To reach limits above $250, you will need to set up eligible recurring direct deposits. Repayment is automatic and can be spread up to 34 days, giving more flexibility than the typical 2-week window at most apps.
Note: the app in stores is listed as “Upgrade Mobile Banking.” Do not confuse Boost Money with Boost Mobile, which is a separate phone carrier.
Up to $500 with no interest and up to 34 days to repay. Boost Money account required.
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Browse the DirectoryWho Upgrade BoostCash is best for
Best for
People who want a high advance limit (up to $500), a longer repayment window (up to 34 days), and are willing to use a Boost Money account as their spending hub. The free tier is a solid entry point.
Not ideal for
Anyone who needs funds deposited directly into an external bank account, or who wants same-day delivery without a $9.99 monthly commitment.
Watch our Upgrade BoostCash review
Frequently asked questions
Do I need a Boost Money account to use BoostCash?
Yes. BoostCash is a feature of the Boost Money Spend account by Upgrade. You need to open a Boost Money account through the Upgrade app first.
Is there an express fee with BoostCash?
No per-transfer express fee on the Premium plan ($9.99/mo). The free tier does not include express delivery. Standard delivery (3 to 5 business days) is free on both plans.
How much can I borrow with BoostCash?
Advances start at $20 and grow to a maximum of $500 based on account history. Limits above $250 require eligible recurring direct deposits to your Boost Money account.
How long do I have to repay a BoostCash advance?
Up to 34 days. This is longer than most cash advance apps, which typically require repayment within 2 weeks tied to the next paycheck.
Can BoostCash send money to my external bank account?
No. Advances are deposited into your Boost Money Spend account only. External bank transfers are not available for BoostCash advances.
Need more than a few hundred dollars?
- Bigger loans, not tiny advances. Cash advance apps top out fast — PockBox helps you search personal loan offers that often start above $500.
- Any credit score welcome. Compare options from lenders that work with excellent, fair, and poor credit (approval and terms always depend on the lender).
- Free to shop around. Checking rates does not lock you into a loan — compare side by side, then decide.
