Apps Like FloatMe: Go From $50 to a $500 Cash Advance

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FloatMe offers “Floats” up to $100, which can help bridge the gap when you’re short on cash. 

Even better, switching your direct deposit to FloatMe is unnecessary, unlike many other popular cash advance apps. And with a flat fee of $3.99 per month, there’s a lot to love. But, with a limit of fifty bucks, a “Float” might not be enough for you. If you need extra cash, check out the top apps like FloatMe.

woman holding phone that displays FloatMe app

Why is the FloatMe app so popular?

FloatMe stands out as a simple and straightforward cash advance app.

With a $3.99 per month fee (that kicks in after a 30-day trial, so you can try before you buy), you won’t need to worry about interest or be asked for a tip. This has helped FloatMe save $100 million in fees for everyday Americans.

With cash advances for up to $100, FloatMe is like the friend you turn to for a little cash which can help you stay on top of your finances with more control than having to borrow $5,000 or more

So, what’s the catch?

If you’re looking for higher borrowing limits or more in-app features, FloatMe’s simplicity can become a double-edged sword. And since your initial cash advance limit is likely to be in the $10 – $30 range until you build a history, you might find yourself wishing you could borrow a little more.

To learn more, check out our full FloatMe Review.

If a quick $50 won’t help you cover your urgent expenses or next bill, we get it. That’s why we’ve downloaded the best cash advance apps of the year and tested them out.

Read on for the top picks that offer higher cash advance limits as well as extra features we think you’ll love.

Best cash advance apps like FloatMe

We’ve rounded up 5 popular cash advance apps like FloatMe that might fit your needs better. Read on to learn why we love ’em and how you can borrow money in a few clicks.

Dave – Borrow up to $500 in seconds (it’s that fast)

phone screen showing $500 cash advance from Dave ExtraCash
FloatMe Cash Advance Limit: $50
Dave Cash Advance Limit: $500

Dave offers up to 10x higher cash advance amounts than FloatMe2 and has been helping Americans side-step the frustrating overdraft problem since its launch in 2016.

A Dave subscription (required to access Dave cash advances) will cost $1 per month. Compared to FloatMe’s $3.99 per month subscription fee there’s not much difference. But if you’re looking for more money and an app that’s been offering flexible funding for years, Dave is easily the top choice.

Get a cash advance for up to $500 instantly >>> Check out Dave for free

Cleo – $100 cash advances from an AI-driven app that will have you laughing your ass off

how much can you borrow from Cleo
FloatMe Cash Advance Limit: $50
Cleo Cash Advance Limit: $100

Everyone is talking about AI, but did you know there’s an AI app that’s helping millions of Americans better manage their money?

It’s called Cleo and outside of a healthy one-hundred-dollar cash advance, the AI-powered app might just become your new best friend.

New Cleo users can enjoy up to $20 – $100 right from the start – which can be higher than FloatMe’s maximum $50 cash advance3. Cleo cash advances top out at $100, but if you need a fast hundred bucks, Cleo is well worth a look.

No-interest cash advances for up to $100 >>> Create a Cleo account in two minutes

MoneyLion – Low-cost cash advances up to $1,000 with plenty of optional extra features

borrow $250 from MoneyLion on phone screen
FloatMe Cash Advance Limit: $50
MoneyLionCash Advance Limit: $250

With MoneyLion’s Instacash you can borrow up to $500 without a credit check, no interest, and no monthly fees. If you subscribe to MoneyLion’s $1/month checking account service, RoarMoney, this limit can be increased to an astounding $1,0004

Getting started is as simple as downloading the MoneyLion app and tapping on the ‘Instacash’ feature. To qualify for 0% APR cash advances, you’ll need to link your checking account to the app. Once this step is completed, you can immediately borrow $25.

Similar to other cash advance apps like FloatMe, your borrowing limit can increase gradually over time. If you want to increase your borrowing limit you can review your recurring deposits or transfer your direct deposit to a MoneyLion RoarMoney account.

The app charges a turbo delivery fee if you want to get your money in minutes. Otherwise, it can take multiple business days. 

While the $1,000 total limit for cash advances is impressive, keep in mind that you can only borrow up to $100 per day. This means that, if you want to borrow $1,000, it will have to be across ten days, and paying the express fee ten times.

Overdraft Apps Tip: Need a little extra in your pocket? MoneyLion’s Credit Builder Plus is available for $19.99 per month and unlocks a suite of credit-building tools including $1,000 loans (with competitive APRs), 0% interest cash advances, and credit score updates each week.

Get cash advances up to $250 with no interest >>> Check out MoneyLion

Overall: Should you keep using FloatMe or try a different app

FloatMe’s simplicity can make it an attractive option if what you want is a cash advance that’s delivered quickly and with easy qualifications. With a $3.99 monthly subscription and relatively small turbo delivery fees (in case you want to get your money faster), the app is on the lower end of costs when it comes to cash advances.

However, the $100 limit for a cash advance may not be enough for money users who might need a bit more to really get out of a pinch. Dave, Cleo, and MoneyLion all offer higher amounts at different conditions that might better suit you if you need a little more meat on the bones.


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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.

Get paid to play on your phone >>> Check out KashKick

Alexander Porter
  1. 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.
  2. 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 18, 2023, most customers receive an advance of $160 or more. See the ExtraCash™ Account Agreement for more details.
  3. Subject to eligibility. Amounts range from $20-$250, and $20-$100 for first-time users. Amounts are subject to change. Same-day transfers are subject to express fees.
  4. The $5 Instacash Boost will increase your Instacash advance limit for the calendar month in which it is received and can only be utilized by users with maintained Instacash eligibility. The $5 Instacash Boost can only be used once. You may only receive one Boost from up to 5 friends per month.

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