PockBox App

This app is perfect if you’re looking for a cash advance of $100 to $2,500 by tomorrow. The approval process doesn’t require to connect to your bank account (which most of overdraft apps do). PockBox will just ask you a bunch of questions that will probably take you about 5 minutes to answer.

This web app is easy to use, but as with any app giving you money, make sure to read the fine print: term, APR, etc…before you accept the money. Check out their website.


This is another great app like Brigit. SpotMe by Chime can provide you up to $100* or more cash advances before your next paycheck. The cost? It is interest-free!

Chime is essentially a new type of banking service app. Once you sign up, you get a free checking account with lots of goodies. There are no overdraft fees at all (in a matter of fact, you actually don’t have any fees whatsoever!) This service is called SpotMe and allows eligible members to overdraw up to $100* on debit card purchases without charging a fee. If you try to spend more than you are allowed after this, your transaction will simply be declined.

Eligibility criteria - you must be a U.S. resident and aged 18+. All Chime members with total monthly direct deposits of $500 or more are eligible for SpotMe.

They also offer interest-free cash advances on your paychecks up to 2 days early with direct deposit**.

The best part is that the sign up process is really quick and easy (less than 2 minutes). Click here to check it out.

Earnin app

Earnin is also a different kind of overdraft protection app. Earnin cares about how much money you’re making and when. After being able to prove that you have a steady job and uploading documents in the process, Earnin will send you cash based on the hours you already worked. Getting pay before your paycheck! Of course, Earnin will take back the money they sent you the day you’re getting paid by your employer.

We really like Earnin because they are 100% free (voluntary tips are recommended) although dealing with the approval process can be a bit annoying. Get it here for iOS or Android.

More on Earnin App – 4 things you should know

HonestLoans app

HonestLoans is another kind of cash advance app – it is a loan aggregator. After asking you a few questions, HonestLoans will connect you directly with the most suitable lender based on the info you provided: how much money your need, your income, etc.

The amount you can get are a bit higher than the others – from $100 and up to $2,500. The whole approval process should take about 5 minutes of your time and you can get the money quite quickly. This is their website.

Dave app

The Dave app has been around now for quite a while and is actually the first overdraft app out there. For $1/ month, they will provide you unlimited interest-free cash advances, up to $75 each time. The user experience is quite cool, but their interest-free promise isn’t quite free. Dave actually require you to pay for the transaction fees (there is no such thing “free money” after all), and it can cost $5-$7 every time you need some cash.

More on Dave App – 4 things you should know

MoneyLion App

This app is perfect if you’re looking for very cheap cash advances of up to $500. You will need to download the app and sign up for MoneyLion Plus, which is free if you log into the app everyday. You will then have access to unlimited loans of up to $500 at a 6% APR.

Unlike other apps like Brigit, MoneyLion will also help with your credit scores and just gives you personalised advices to better manage your financial life, For free!

Disclaimer: * Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $100 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. SpotMe won't cover non-debit card purchases, including ATM withdrawals, ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. Click here to check out SpotMe terms.
** Early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.