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Updated July 24, 2026. Yes. Several cash advance apps advertise no monthly subscription for advances. In our directory of 35 apps, 12 apps (34%) show $0/month: MoneyLion, Chime, Current, EarnIn, Self, Albert, Varo, Klover, and others.
You can still pay an express fee for same-day delivery. Waiting for free standard delivery (usually 1 to 3 business days) keeps the advance closer to $0 beyond what you repay.
Cash advance apps with no subscription fee (2026)
| App | Max Advance | Subscription | Express fee ($100) | ODA score | Get Started |
|---|---|---|---|---|---|
 MoneyLion |
Up to $500 | No Subscription Fee | $8.99 Turbo Fee for $100 advance | 9.1 | Get MoneyLion |
 Chime |
Up to $500 | No Subscription Fee | $3 express fee for $100 advance | 9.0 | Get Chime |
 Current |
Up to $750 | No Subscription Fee | Instant Access fee shown in app* | 8.9 | Get Current |
 EarnIn |
Up to $150/day | No Subscription Fee | $5.99 Lightning Speed Fee for $100 advance | 8.9 | Read review |
 Self |
Up to $300 | No Subscription Fee | $6.99 express fee for $100 advance | 8.9 | Read review |
 Albert |
Up to $1,000 | No Subscription Fee | $5.99 express fee for $100 advance** | 8.6 | Get Albert |
 Varo |
Up to $500 | No Subscription Fee | $8 fee for $100 advance (Varo account only) | 8.6 | Read review |
 Klover |
Up to $400 | No Subscription Fee | $12.29 express fee for $100 advance | 8.4 | Get Klover |
 Money App |
Up to $250 | No Subscription Fee | $12.99 express fee for $100 advance | 8.4 | Read review |
 Possible Finance |
Up to $300 | No Subscription Fee | $10-$25 express fee per $100 borrowed (varies by state) | 8.4 | Read review |
 Step |
Up to $250 | No Subscription Fee | 5.5% express fee (Step Spending only) | 8.1 | Read review |
 Gerald |
Up to $200 | No Subscription Fee | No express fee | 5.5 | Read review |
*Express fee estimated when the full schedule is not public. Tips are optional where asked and are not included. Data verified July 24, 2026 from primary sources. Full directory: overdraftapps.com.
Best starting points with no subscription
MoneyLion and Chime are strong no-sub options if you want a familiar brand and clear express fees. EarnIn and Current also advertise $0 monthly for advances (Current needs a Current account and payroll deposits). Always confirm fees in the app before you draw.
Compare all 35 apps in one place
Filter the full directory for “No subscription fee” and sort by lowest $100 cost.
What “no subscription” does not mean
No monthly fee does not mean free. Most apps charge an express fee to send money in minutes. Some ask for optional tips. Banking apps (Chime, Current, Varo, Step) may require their account and qualifying deposits before you qualify.
FAQ
Which cash advance apps have no subscription fee?
As of July 24, 2026, 12 apps in the Overdraft Apps directory advertise no monthly subscription for advances, including MoneyLion, Chime, Current, EarnIn, Self, Albert, Varo. Plans change, so confirm on each card or in the app.
Is a no-subscription cash advance actually free?
Often not for same-day money. Express fees still apply on many apps. Free standard delivery usually takes 1 to 3 business days.
Does Dave have a subscription fee?
Yes. Dave ExtraCash uses a monthly membership (about $5/month) plus a 5% fee on advances. It is not a no-subscription option.
