{
  "dataset": "Overdraft Apps cash advance directory",
  "description": "Structured comparison of US cash advance / earned-wage access apps: limits, subscription fees, express fees for a $100 advance, editorial ODA scores, and state coverage.",
  "homepage": "https://overdraftapps.com/",
  "methodology": "https://overdraftapps.com/methodology/",
  "llms_index": "https://overdraftapps.com/llms.txt",
  "llms_full": "https://overdraftapps.com/llms-full.txt",
  "methodology_note": "ODA scores are editorial (1-10), not consumer star ratings. Exact weighting is proprietary; factors are described on the methodology page.",
  "last_verified": "2026-08-09",
  "generated": "2026-08-25",
  "count": 35,
  "apps": [
    {
      "position": 1,
      "name": "Tilt",
      "product": "Cash Advance",
      "slug": "tilt-cash-advance",
      "anchor": "tilt",
      "card_url": "https://overdraftapps.com/#app-tilt-cash-advance",
      "short_url": "https://overdraftapps.com/#tilt",
      "oda_score": 9.5,
      "max_advance": "Up to $400",
      "max_sort": 400,
      "subscription_fee": "$8/month",
      "sub_monthly": 8,
      "express_fee_100": "$5 express fee for $100 advance",
      "cost100_estimate": 10.33,
      "express_is_estimate": false,
      "states": "Not available in CT, ME, DC",
      "states_excluded": "CT; ME; DC",
      "free_trial": true,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": true,
      "summary": "Formerly Empower. New users typically qualify for about $100, and returning users often get more. Tilt recently eliminated tips and reduced its fees. You can try it free for 14 days.",
      "key_notes": [
        "Free trial available",
        "Editor's Pick",
        "Free Trial",
        "States: CT; ME; DC"
      ],
      "article_review_url": "https://overdraftapps.com/tilt-cash-advance/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 2,
      "name": "Upstart",
      "product": "Cash Line",
      "slug": "upstart-cash-line",
      "anchor": "upstart",
      "card_url": "https://overdraftapps.com/#app-upstart-cash-line",
      "short_url": "https://overdraftapps.com/#upstart",
      "oda_score": 9.2,
      "max_advance": "Up to $500",
      "max_sort": 500,
      "subscription_fee": "$10/month",
      "sub_monthly": 10,
      "express_fee_100": "No express fee",
      "cost100_estimate": 6.67,
      "express_is_estimate": false,
      "states": "Not available in CO, CT, DC, GA, IL, IA, LA, ME, MD, MA, NV, NH, NM, NY, TN, VT, WA, WV, WI",
      "states_excluded": "CO; CT; DC; GA; IL; IA; LA; ME; MD; MA; NV; NH; NM; NY; TN; VT; WA; WV; WI",
      "free_trial": true,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "Upstart is the only app that guarantees at least $200 per draw if you qualify, unlike other apps that can cut your limit unexpectedly. It is a revolving credit line, not a classic advance. Instant deposits to your linked bank are free. iPhone only, limited states.",
      "key_notes": [
        "Free trial available",
        "High Subscription Fee",
        "States: CO; CT; DC; GA; IL; IA; LA; ME; MD; MA; NV; NH; NM; NY; TN; VT; WA; WV; WI"
      ],
      "article_review_url": "https://overdraftapps.com/upstart-cash-line-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 3,
      "name": "Brigit",
      "product": "Instant Cash",
      "slug": "brigit-instant-cash",
      "anchor": "brigit",
      "card_url": "https://overdraftapps.com/#app-brigit-instant-cash",
      "short_url": "https://overdraftapps.com/#brigit",
      "oda_score": 9.1,
      "max_advance": "Up to $500",
      "max_sort": 500,
      "subscription_fee": "$8.99/month",
      "sub_monthly": 8.99,
      "express_fee_100": "$3.99 express fee for $100 advance",
      "cost100_estimate": 9.98,
      "express_is_estimate": false,
      "states": "",
      "states_excluded": "not disclosed",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": true,
      "summary": "One of the biggest cash advance apps. Brigit settled FTC deceptive marketing claims yet still does not publish its full express fee schedule, only a $0.99 to $3.99 range. Your exact fee shows in the app before you confirm.",
      "key_notes": [
        "Editor's Pick"
      ],
      "article_review_url": "https://overdraftapps.com/brigit-app-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 4,
      "name": "MoneyLion",
      "product": "Instacash",
      "slug": "moneylion-instacash",
      "anchor": "moneylion",
      "card_url": "https://overdraftapps.com/#app-moneylion-instacash",
      "short_url": "https://overdraftapps.com/#moneylion",
      "oda_score": 9.1,
      "max_advance": "Up to $500",
      "max_sort": 500,
      "subscription_fee": "No Subscription Fee",
      "sub_monthly": 0,
      "express_fee_100": "$8.99 Turbo Fee for $100 advance",
      "cost100_estimate": 8.99,
      "express_is_estimate": false,
      "states": "",
      "states_excluded": "not disclosed",
      "free_trial": false,
      "tips_solicited": true,
      "multiple_draws": true,
      "editors_pick": true,
      "summary": "One of the biggest cash advance apps, used by millions. Tips are optional and you can skip them. You can take up to $100 per day, so larger totals take multiple draws.",
      "key_notes": [
        "App solicits tips",
        "Multiple draws allowed",
        "Editor's Pick",
        "Asks for Tips"
      ],
      "article_review_url": "https://overdraftapps.com/moneylion-reviews/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 5,
      "name": "Chime",
      "product": "MyPay",
      "slug": "chime-mypay",
      "anchor": "chime",
      "card_url": "https://overdraftapps.com/#app-chime-mypay",
      "short_url": "https://overdraftapps.com/#chime",
      "oda_score": 9,
      "max_advance": "Up to $500",
      "max_sort": 500,
      "subscription_fee": "No Subscription Fee",
      "sub_monthly": 0,
      "express_fee_100": "$3 express fee for $100 advance",
      "cost100_estimate": 3,
      "express_is_estimate": false,
      "states": "Not available in CO, CT, IL, ME, MA, MN, MT, NJ, NM, SD, WA, WY",
      "states_excluded": "CO; CT; IL; ME; MA; MN; MT; NJ; NM; SD; WA; WY",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": true,
      "editors_pick": true,
      "summary": "Get paid up to 2 days early with direct deposit. SpotMe can cover up to $200 in fee-free overdrafts once you qualify. Most members start MyPay around $50-$100 and grow with deposit history.",
      "key_notes": [
        "Multiple draws allowed",
        "Editor's Pick",
        "Multiple Draws",
        "States: CO; CT; IL; ME; MA; MN; MT; NJ; NM; SD; WA; WY"
      ],
      "article_review_url": "https://overdraftapps.com/chime-mypay-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 6,
      "name": "Current",
      "product": "Paycheck Advance",
      "slug": "current-paycheck-advance",
      "anchor": "current",
      "card_url": "https://overdraftapps.com/#app-current-paycheck-advance",
      "short_url": "https://overdraftapps.com/#current",
      "oda_score": 8.9,
      "max_advance": "Up to $750",
      "max_sort": 750,
      "subscription_fee": "No Subscription Fee",
      "sub_monthly": 0,
      "express_fee_100": "Instant Access fee shown in app*",
      "cost100_estimate": 4.99,
      "express_is_estimate": false,
      "states": "",
      "states_excluded": "not disclosed",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": true,
      "editors_pick": true,
      "summary": "Full banking app with Paycheck Advance up to $750, no credit check, and no mandatory fees. Get paid up to 2 days early with direct deposit, and qualify for up to $200 in fee-free overdraft protection. Multiple advances allowed up to your limit.",
      "key_notes": [
        "Multiple draws allowed",
        "Editor's Pick",
        "Multiple Draws"
      ],
      "article_review_url": "https://overdraftapps.com/current-app-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 7,
      "name": "EarnIn",
      "product": "Cash Out",
      "slug": "earnin-cash-out",
      "anchor": "earnin",
      "card_url": "https://overdraftapps.com/#app-earnin-cash-out",
      "short_url": "https://overdraftapps.com/#earnin",
      "oda_score": 8.9,
      "max_advance": "Up to $150/day",
      "max_sort": 150,
      "subscription_fee": "No Subscription Fee",
      "sub_monthly": 0,
      "express_fee_100": "$5.99 Lightning Speed Fee for $100 advance",
      "cost100_estimate": 5.99,
      "express_is_estimate": false,
      "states": "Not available in CT",
      "states_excluded": "CT",
      "free_trial": false,
      "tips_solicited": true,
      "multiple_draws": true,
      "editors_pick": false,
      "summary": "Your advance limit is based on wages you have already earned but not yet been paid, unlike apps that use bank history. Maximum $150 per day and $1,000 per pay period. Tips are optional.",
      "key_notes": [
        "App solicits tips",
        "Multiple draws allowed",
        "Asks for Tips",
        "Multiple Draws",
        "States: CT"
      ],
      "article_review_url": "https://overdraftapps.com/earnin-app/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 8,
      "name": "Grant",
      "product": "Cash Advance",
      "slug": "grant-cash-advance",
      "anchor": "grant",
      "card_url": "https://overdraftapps.com/#app-grant-cash-advance",
      "short_url": "https://overdraftapps.com/#grant",
      "oda_score": 8.9,
      "max_advance": "Up to $500",
      "max_sort": 500,
      "subscription_fee": "$9.99/month",
      "sub_monthly": 9.99,
      "express_fee_100": "$5.99 express fee for $100 advance*",
      "cost100_estimate": 12.65,
      "express_is_estimate": true,
      "states": "Not available in CT, DC, MD, NV, RI, SC, WI",
      "states_excluded": "CT; DC; MD; NV; RI; SC; WI",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": true,
      "summary": "The average advance is about $118. Express fees run $2 to $21 depending on amount, shown when you request. Grant does not publish the exact tier table, so the fee is confirmed at checkout. You can apply in the app or online.",
      "key_notes": [
        "Editor's Pick",
        "High Subscription Fee",
        "States: CT; DC; MD; NV; RI; SC; WI"
      ],
      "article_review_url": "https://overdraftapps.com/grant-app-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 9,
      "name": "Self",
      "product": "Self Cash",
      "slug": "self-self-cash",
      "anchor": "self",
      "card_url": "https://overdraftapps.com/#app-self-self-cash",
      "short_url": "https://overdraftapps.com/#self",
      "oda_score": 8.9,
      "max_advance": "Up to $300",
      "max_sort": 300,
      "subscription_fee": "No Subscription Fee",
      "sub_monthly": 0,
      "express_fee_100": "$6.99 express fee for $100 advance",
      "cost100_estimate": 6.99,
      "express_is_estimate": false,
      "states": "",
      "states_excluded": "not disclosed",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "Self is best known for its credit builder accounts and credit-builder loans that help people build payment history. Self Cash is the advance feature inside the same app. No subscription is required for advances.",
      "key_notes": [],
      "article_review_url": "https://overdraftapps.com/self-lender-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 10,
      "name": "Dave",
      "product": "ExtraCash",
      "slug": "dave-extracash",
      "anchor": "dave",
      "card_url": "https://overdraftapps.com/#app-dave-extracash",
      "short_url": "https://overdraftapps.com/#dave",
      "oda_score": 8.8,
      "max_advance": "Up to $500",
      "max_sort": 500,
      "subscription_fee": "$5/month",
      "sub_monthly": 5,
      "express_fee_100": "$5 express fee for $100 advance",
      "cost100_estimate": 8.33,
      "express_is_estimate": false,
      "states": "Available in all 50 states and DC",
      "states_excluded": "none (all 50 states + DC)",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "One of the biggest cash advance apps, with millions of users. A 5% fee applies to every advance regardless of delivery method. Tips were eliminated in early 2025 under an FTC settlement.",
      "key_notes": [
        "States: none (all 50 states + DC)"
      ],
      "article_review_url": "https://overdraftapps.com/dave-app/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 11,
      "name": "Upgrade",
      "product": "BoostCash",
      "slug": "upgrade-boostcash",
      "anchor": "upgrade",
      "card_url": "https://overdraftapps.com/#app-upgrade-boostcash",
      "short_url": "https://overdraftapps.com/#upgrade",
      "oda_score": 8.8,
      "max_advance": "Up to $500",
      "max_sort": 500,
      "subscription_fee": "$9.99/month",
      "sub_monthly": 9.99,
      "express_fee_100": "No express fee (Premium plan, Boost account only)",
      "cost100_estimate": 6.66,
      "express_is_estimate": false,
      "states": "Available in AL, AK, AZ, AR, CA, CO, DE, FL, HI, ID, IN, KS, KY, LA, MD, MA, MI, MS, MO, MT, NE, NJ, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, WY",
      "states_excluded": "limited; available in: AL; AK; AZ; AR; CA; CO; DE; FL; HI; ID; IN; KS; KY; LA; MD; MA; MI; MS; MO; MT; NE; NJ; NC; ND; OH; OK; OR; PA; RI; SC; SD; TN; TX; UT; VT; VA; WV; WY",
      "free_trial": true,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "Must have a Boost Money account. A free plan exists with standard delivery (3-5 days) and lower limits. The $9.99 Premium plan adds express delivery within minutes and faster limit growth. You get up to 34 days to repay, longer than most apps.",
      "key_notes": [
        "Free trial available",
        "States: limited; available in: AL; AK; AZ; AR; CA; CO; DE; FL; HI; ID; IN; KS; KY; LA; MD; MA; MI; MS; MO; MT; NE; NJ; NC; ND; OH; OK; OR; PA; RI; SC; SD; TN; TX; UT; VT; VA; WV; WY"
      ],
      "article_review_url": "https://overdraftapps.com/upgrade-app-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 12,
      "name": "Albert",
      "product": "Albert Instant",
      "slug": "albert-albert-instant",
      "anchor": "albert",
      "card_url": "https://overdraftapps.com/#app-albert-albert-instant",
      "short_url": "https://overdraftapps.com/#albert",
      "oda_score": 8.6,
      "max_advance": "Up to $1,000",
      "max_sort": 1000,
      "subscription_fee": "No Subscription Fee",
      "sub_monthly": 0,
      "express_fee_100": "$5.99 express fee for $100*",
      "cost100_estimate": 5.99,
      "express_is_estimate": true,
      "states": "Not available in CO, CT, IA, ME, MN, MT, NV, NJ, SD, VT, WI",
      "states_excluded": "CO; CT; IA; ME; MN; MT; NV; NJ; SD; VT; WI",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": true,
      "summary": "Get up to $1,000 with Albert Instant. No Albert subscription required. Most new users are offered much lower amounts to start. Draw fees apply.",
      "key_notes": [
        "Editor's Pick",
        "States: CO; CT; IA; ME; MN; MT; NV; NJ; SD; VT; WI"
      ],
      "article_review_url": "https://overdraftapps.com/albert-app-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 13,
      "name": "Earnifi",
      "product": "Pay Advance",
      "slug": "earnifi-pay-advance",
      "anchor": "earnifi",
      "card_url": "https://overdraftapps.com/#app-earnifi-pay-advance",
      "short_url": "https://overdraftapps.com/#earnifi",
      "oda_score": 8.6,
      "max_advance": "Up to $500",
      "max_sort": 500,
      "subscription_fee": "$15.99/month",
      "sub_monthly": 15.99,
      "express_fee_100": "No express fee",
      "cost100_estimate": 10.66,
      "express_is_estimate": false,
      "states": "Not available in CA, CO, CT, IN, KS, MD, MN, MO, NV, NY, SC, UT, VT, DC",
      "states_excluded": "CA; CO; CT; IN; KS; MD; MN; MO; NV; NY; SC; UT; VT; DC",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": true,
      "summary": "Earnifi is an earned-wage access app, meaning your limit is tied to wages you have already earned. Delivery in minutes requires the $15.99 monthly Instant Pay plan. Not available in CA, NY, and several other states. Store ratings are strong, around 4.5 stars.",
      "key_notes": [
        "Editor's Pick",
        "High Subscription Fee",
        "States: CA; CO; CT; IN; KS; MD; MN; MO; NV; NY; SC; UT; VT; DC"
      ],
      "article_review_url": "https://overdraftapps.com/earnifi-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 14,
      "name": "Varo",
      "product": "Varo Advance",
      "slug": "varo-varo-advance",
      "anchor": "varo",
      "card_url": "https://overdraftapps.com/#app-varo-varo-advance",
      "short_url": "https://overdraftapps.com/#varo",
      "oda_score": 8.6,
      "max_advance": "Up to $500",
      "max_sort": 500,
      "subscription_fee": "No Subscription Fee",
      "sub_monthly": 0,
      "express_fee_100": "$8 fee for $100 advance (Varo account only)",
      "cost100_estimate": 8,
      "express_is_estimate": false,
      "states": "Available in all 50 states and DC",
      "states_excluded": "none (all 50 states + DC)",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "Varo is a chartered bank (Varo Bank, N.A.), not just a fintech wrapper. Beyond advances, you get a full bank account with early direct deposit, savings tools, and credit-building options. Qualifying deposits unlock higher advance limits.",
      "key_notes": [
        "States: none (all 50 states + DC)"
      ],
      "article_review_url": "https://overdraftapps.com/varo-cash-advance/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 15,
      "name": "B9",
      "product": "B9 Advance℠",
      "slug": "b9-b9-advance",
      "anchor": "b9",
      "card_url": "https://overdraftapps.com/#app-b9-b9-advance",
      "short_url": "https://overdraftapps.com/#b9",
      "oda_score": 8.5,
      "max_advance": "Up to $1,000",
      "max_sort": 1000,
      "subscription_fee": "$5.99/month",
      "sub_monthly": 5.99,
      "express_fee_100": "No express fee",
      "cost100_estimate": 3.99,
      "express_is_estimate": false,
      "states": "Not available in IN, KS, MD, NV, SC, WI",
      "states_excluded": "IN; KS; MD; NV; SC; WI",
      "free_trial": true,
      "tips_solicited": false,
      "multiple_draws": true,
      "editors_pick": false,
      "summary": "You need a B9 account with direct deposit. The $5.99 plan covers advances up to $250; a $19.99 plan raises the cap to $1,000. Transfers are free.",
      "key_notes": [
        "Free trial available",
        "Multiple draws allowed",
        "Free Trial",
        "Multiple Draws",
        "States: IN; KS; MD; NV; SC; WI"
      ],
      "article_review_url": "https://overdraftapps.com/b9-cash-advance-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 16,
      "name": "Cleo",
      "product": "Cash Advance",
      "slug": "cleo-cash-advance",
      "anchor": "cleo",
      "card_url": "https://overdraftapps.com/#app-cleo-cash-advance",
      "short_url": "https://overdraftapps.com/#cleo",
      "oda_score": 8.5,
      "max_advance": "Up to $250",
      "max_sort": 250,
      "subscription_fee": "$5.99/month",
      "sub_monthly": 5.99,
      "express_fee_100": "$9.99 express fee for $100 advance",
      "cost100_estimate": 13.98,
      "express_is_estimate": false,
      "states": "Not available in CT, ME",
      "states_excluded": "CT; ME",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": true,
      "summary": "A budgeting and cash advance app with Autopilot that analyzes your finances, builds a personalized money roadmap, and automates helpful money moves. Plus members can borrow when cash is short, typically starting around $20 to $100.",
      "key_notes": [
        "Editor's Pick",
        "States: CT; ME"
      ],
      "article_review_url": "https://overdraftapps.com/cleo-app-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 17,
      "name": "FloatMe",
      "product": "Float",
      "slug": "floatme-float",
      "anchor": "floatme",
      "card_url": "https://overdraftapps.com/#app-floatme-float",
      "short_url": "https://overdraftapps.com/#floatme",
      "oda_score": 8.5,
      "max_advance": "Up to $100",
      "max_sort": 100,
      "subscription_fee": "$4.99/month",
      "sub_monthly": 4.99,
      "express_fee_100": "$7 express fee for $100 advance",
      "cost100_estimate": 10.33,
      "express_is_estimate": false,
      "states": "Not available in CT, DC, NV",
      "states_excluded": "CT; DC; NV",
      "free_trial": true,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": true,
      "summary": "Straightforward cash advances with a 7-day free trial. New members can borrow up to $50; existing members up to $100.",
      "key_notes": [
        "Free trial available",
        "Editor's Pick",
        "Low Max",
        "Free Trial",
        "States: CT; DC; NV"
      ],
      "article_review_url": "https://overdraftapps.com/floatme-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 18,
      "name": "Vola Finance",
      "product": "Cash Advance",
      "slug": "vola-finance-cash-advance",
      "anchor": "vola-finance",
      "card_url": "https://overdraftapps.com/#app-vola-finance-cash-advance",
      "short_url": "https://overdraftapps.com/#vola-finance",
      "oda_score": 8.5,
      "max_advance": "Up to $500",
      "max_sort": 500,
      "subscription_fee": "From $2.99/month",
      "sub_monthly": 2.99,
      "express_fee_100": "No express fee",
      "cost100_estimate": 1.99,
      "express_is_estimate": false,
      "states": "",
      "states_excluded": "not disclosed",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "Plans run $2.99 to $24.99 a month, and your advance limit depends on your plan. No transfer fees. Works without direct deposit, which helps gig workers.",
      "key_notes": [],
      "article_review_url": "https://overdraftapps.com/vola-finance-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 19,
      "name": "Experian",
      "product": "Experian Cash",
      "slug": "experian-experian-cash",
      "anchor": "experian",
      "card_url": "https://overdraftapps.com/#app-experian-experian-cash",
      "short_url": "https://overdraftapps.com/#experian",
      "oda_score": 8.4,
      "max_advance": "Up to $250",
      "max_sort": 250,
      "subscription_fee": "$14.99/month",
      "sub_monthly": 14.99,
      "express_fee_100": "$3.99 express fee for $100 advance",
      "cost100_estimate": 13.98,
      "express_is_estimate": false,
      "states": "",
      "states_excluded": "not disclosed",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "Runs on Brigit behind the scenes. The $14.99 monthly plan bundles Experian credit monitoring tools with the advance feature.",
      "key_notes": [
        "High Subscription Fee"
      ],
      "article_review_url": "https://overdraftapps.com/experian-cash-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 20,
      "name": "Klover",
      "product": "Balance Advance",
      "slug": "klover-balance-advance",
      "anchor": "klover",
      "card_url": "https://overdraftapps.com/#app-klover-balance-advance",
      "short_url": "https://overdraftapps.com/#klover",
      "oda_score": 8.4,
      "max_advance": "Up to $400",
      "max_sort": 400,
      "subscription_fee": "No Subscription Fee",
      "sub_monthly": 0,
      "express_fee_100": "$12.29 express fee for $100 advance",
      "cost100_estimate": 12.29,
      "express_is_estimate": false,
      "states": "Available in all 50 states and DC",
      "states_excluded": "none (all 50 states + DC)",
      "free_trial": true,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": true,
      "summary": "To raise your advance limit, you have to earn points by downloading apps, completing trial offers, or watching ads. That busywork is a real downside compared with apps that raise limits based on repayment alone.",
      "key_notes": [
        "Free trial available",
        "Editor's Pick",
        "States: none (all 50 states + DC)"
      ],
      "article_review_url": "https://overdraftapps.com/klover-app-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 21,
      "name": "Money App",
      "product": "Cash Advance",
      "slug": "money-app-cash-advance",
      "anchor": "money-app",
      "card_url": "https://overdraftapps.com/#app-money-app-cash-advance",
      "short_url": "https://overdraftapps.com/#money-app",
      "oda_score": 8.4,
      "max_advance": "Up to $250",
      "max_sort": 250,
      "subscription_fee": "No Subscription Fee",
      "sub_monthly": 0,
      "express_fee_100": "$12.99 express fee for $100 advance",
      "cost100_estimate": 12.99,
      "express_is_estimate": false,
      "states": "Available in SC, LA, KS, GA, DE, OK, WV, ID, SD, ND, AL, AK, AZ, AR, CO, FL, HI, IL, IA, KY, ME, MA, MN, MS, MT, MI, NE, NH, NJ, NC, OH, OR, PA, TN, TX, UT, VT, VA, WA, CA, MO",
      "states_excluded": "limited; available in: SC; LA; KS; GA; DE; OK; WV; ID; SD; ND; AL; AK; AZ; AR; CO; FL; HI; IL; IA; KY; ME; MA; MN; MS; MT; MI; NE; NH; NJ; NC; OH; OR; PA; TN; TX; UT; VT; VA; WA; CA; MO",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "No monthly fee, no tips, and no interest. A straightforward option if you mainly care about avoiding subscriptions.",
      "key_notes": [
        "States: limited; available in: SC; LA; KS; GA; DE; OK; WV; ID; SD; ND; AL; AK; AZ; AR; CO; FL; HI; IL; IA; KY; ME; MA; MN; MS; MT; MI; NE; NH; NJ; NC; OH; OR; PA; TN; TX; UT; VT; VA; WA; CA; MO"
      ],
      "article_review_url": "https://overdraftapps.com/money-app-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 22,
      "name": "Possible Finance",
      "product": "Possible Advance",
      "slug": "possible-finance-possible-advance",
      "anchor": "possible-finance",
      "card_url": "https://overdraftapps.com/#app-possible-finance-possible-advance",
      "short_url": "https://overdraftapps.com/#possible-finance",
      "oda_score": 8.4,
      "max_advance": "Up to $300",
      "max_sort": 300,
      "subscription_fee": "No Subscription Fee",
      "sub_monthly": 0,
      "express_fee_100": "$10-$25 express fee per $100 borrowed (varies by state)",
      "cost100_estimate": 17.5,
      "express_is_estimate": false,
      "states": "Available in CO, GA, MA, MN, NJ, NM, ND, SD, WV",
      "states_excluded": "limited; available in: CO; GA; MA; MN; NJ; NM; ND; SD; WV",
      "free_trial": true,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "For many users, Possible Finance works more like a small installment loan than a cash advance, with repayment split into chunks. Pricing varies by state, and it is not available everywhere. Users generally rate it well.",
      "key_notes": [
        "Free trial available",
        "States: limited; available in: CO; GA; MA; MN; NJ; NM; ND; SD; WV"
      ],
      "article_review_url": "https://overdraftapps.com/possible-finance-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 23,
      "name": "True Finance",
      "product": "Cash Advance",
      "slug": "true-finance-cash-advance",
      "anchor": "true-finance",
      "card_url": "https://overdraftapps.com/#app-true-finance-cash-advance",
      "short_url": "https://overdraftapps.com/#true-finance",
      "oda_score": 8.3,
      "max_advance": "Up to $150",
      "max_sort": 150,
      "subscription_fee": "$6.99/month",
      "sub_monthly": 6.99,
      "express_fee_100": "$5.99 express fee for $100 advance",
      "cost100_estimate": 10.65,
      "express_is_estimate": false,
      "states": "Available in all 50 states and DC",
      "states_excluded": "none (all 50 states + DC)",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "Most people get around $45 to start. The $6.99 monthly fee is required for advances, and some users report paying it before knowing their limit.",
      "key_notes": [
        "States: none (all 50 states + DC)"
      ],
      "article_review_url": "https://overdraftapps.com/true-finance-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 24,
      "name": "ATM.com",
      "product": "Instant Cash",
      "slug": "atm-com-instant-cash",
      "anchor": "atm",
      "card_url": "https://overdraftapps.com/#app-atm-com-instant-cash",
      "short_url": "https://overdraftapps.com/#atm",
      "oda_score": 8.2,
      "max_advance": "Up to $50",
      "max_sort": 50,
      "subscription_fee": "$3.99/month",
      "sub_monthly": 3.99,
      "express_fee_100": "$5 express fee for $50 advance",
      "cost100_estimate": 7.66,
      "express_is_estimate": false,
      "states": "Available in all 50 states and DC",
      "states_excluded": "none (all 50 states + DC)",
      "free_trial": true,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "Built for small cash needs. The max is $50, so it will not cover a $100 shortfall. Delivery is very fast once you qualify, and the app also offers surveys, games, and cashback.",
      "key_notes": [
        "Free trial available",
        "Low Max",
        "States: none (all 50 states + DC)"
      ],
      "article_review_url": "https://overdraftapps.com/atm-instant-cash-app-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 25,
      "name": "OneBlinc",
      "product": "BlincAdvance",
      "slug": "oneblinc-blincadvance",
      "anchor": "oneblinc",
      "card_url": "https://overdraftapps.com/#app-oneblinc-blincadvance",
      "short_url": "https://overdraftapps.com/#oneblinc",
      "oda_score": 8.2,
      "max_advance": "Up to $250",
      "max_sort": 250,
      "subscription_fee": "$8.99/month",
      "sub_monthly": 8.99,
      "express_fee_100": "$4.99 express fee for $100 advance*",
      "cost100_estimate": 10.98,
      "express_is_estimate": true,
      "states": "",
      "states_excluded": "not disclosed",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "Advances start at $50 and grow to $250 with on-time repayment. Limits step up each subscription period when you repay on time.",
      "key_notes": [],
      "article_review_url": "https://overdraftapps.com/oneblinc-app-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 26,
      "name": "Super.com",
      "product": "Cash Advance",
      "slug": "super-com-cash-advance",
      "anchor": "super",
      "card_url": "https://overdraftapps.com/#app-super-com-cash-advance",
      "short_url": "https://overdraftapps.com/#super",
      "oda_score": 8.2,
      "max_advance": "Up to $250",
      "max_sort": 250,
      "subscription_fee": "$15/month",
      "sub_monthly": 15,
      "express_fee_100": "$4.99 express fee for $100 advance*",
      "cost100_estimate": 14.99,
      "express_is_estimate": true,
      "states": "",
      "states_excluded": "not disclosed",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": true,
      "summary": "Super.com is best known for travel deals, shopping cash back, and member perks bundled into Super+. Cash advances require a paid Super+ membership ($15/month). Trial members cannot use Cash Advance. Reviews are mixed on how useful the non-advance perks feel once you are paying.",
      "key_notes": [
        "Editor's Pick",
        "High Subscription Fee"
      ],
      "article_review_url": "https://overdraftapps.com/super-com-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 27,
      "name": "Vansi",
      "product": "Bridge-a-Gap (BaG) Cash Advance",
      "slug": "vansi-bridge-a-gap-bag-cash-advance",
      "anchor": "vansi",
      "card_url": "https://overdraftapps.com/#app-vansi-bridge-a-gap-bag-cash-advance",
      "short_url": "https://overdraftapps.com/#vansi",
      "oda_score": 8.2,
      "max_advance": "Up to $200",
      "max_sort": 200,
      "subscription_fee": "$17.31/month",
      "sub_monthly": 17.31,
      "express_fee_100": "No express fee",
      "cost100_estimate": 11.54,
      "express_is_estimate": false,
      "states": "Not available in CA, CT, NV, MD, UT, KS, MO, SC, WI, IN, MA, DC",
      "states_excluded": "CA; CT; NV; MD; UT; KS; MO; SC; WI; IN; MA; DC",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "No Social Security number needed. Billed $7.99 every two weeks, which works out to about $17.31 a month. Transfers are free.",
      "key_notes": [
        "High Subscription Fee",
        "States: CA; CT; NV; MD; UT; KS; MO; SC; WI; IN; MA; DC"
      ],
      "article_review_url": "https://overdraftapps.com/vansi-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 28,
      "name": "Step",
      "product": "EarlyPay",
      "slug": "step-earlypay",
      "anchor": "step",
      "card_url": "https://overdraftapps.com/#app-step-earlypay",
      "short_url": "https://overdraftapps.com/#step",
      "oda_score": 8.1,
      "max_advance": "Up to $250",
      "max_sort": 250,
      "subscription_fee": "No Subscription Fee",
      "sub_monthly": 0,
      "express_fee_100": "5.5% express fee (Step Spending only)",
      "cost100_estimate": 5.5,
      "express_is_estimate": false,
      "states": "",
      "states_excluded": "not disclosed",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "Acquired by MrBeast's Beast Industries in 2026. Early Pay sits inside a youth-focused money app with spending, credit-building, and investing tools. Amounts over $100 usually need a qualifying direct deposit to Step.",
      "key_notes": [],
      "article_review_url": "https://overdraftapps.com/step-app-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 29,
      "name": "Cashli",
      "product": "Cash Advance",
      "slug": "cashli-cash-advance",
      "anchor": "cashli",
      "card_url": "https://overdraftapps.com/#app-cashli-cash-advance",
      "short_url": "https://overdraftapps.com/#cashli",
      "oda_score": 8,
      "max_advance": "Up to $150",
      "max_sort": 150,
      "subscription_fee": "$3.88/month",
      "sub_monthly": 3.88,
      "express_fee_100": "$4.99 express fee for $100 advance*",
      "cost100_estimate": 7.58,
      "express_is_estimate": true,
      "states": "Not available in CT, MD, DC, NV",
      "states_excluded": "CT; MD; DC; NV",
      "free_trial": true,
      "tips_solicited": true,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "Android only. Everyone pays the $3.88 monthly platform fee, and the first month is not refundable. Tips are optional.",
      "key_notes": [
        "Free trial available",
        "App solicits tips",
        "Asks for Tips",
        "States: CT; MD; DC; NV"
      ],
      "article_review_url": "https://overdraftapps.com/cashli-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 30,
      "name": "Credit Genie",
      "product": "Cash Boost",
      "slug": "credit-genie-cash-boost",
      "anchor": "credit-genie",
      "card_url": "https://overdraftapps.com/#app-credit-genie-cash-boost",
      "short_url": "https://overdraftapps.com/#credit-genie",
      "oda_score": 7.9,
      "max_advance": "Up to $150",
      "max_sort": 150,
      "subscription_fee": "$9.99/month",
      "sub_monthly": 9.99,
      "express_fee_100": "$4.99 express fee for $100 advance*",
      "cost100_estimate": 11.65,
      "express_is_estimate": true,
      "states": "Not available in CT, MD, NV, HI, DC, WI",
      "states_excluded": "CT; MD; NV; HI; DC; WI",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": true,
      "summary": "Cash Boost requires Credit Genie's $9.99 monthly membership, which also unlocks budgeting tools and offers. Instant delivery needs a saved debit card. Not available in several states, including CT, MD, and NV.",
      "key_notes": [
        "Editor's Pick",
        "High Subscription Fee",
        "States: CT; MD; NV; HI; DC; WI"
      ],
      "article_review_url": "https://overdraftapps.com/credit-genie-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 31,
      "name": "Rocco",
      "product": "Cash Advance",
      "slug": "rocco-cash-advance",
      "anchor": "rocco",
      "card_url": "https://overdraftapps.com/#app-rocco-cash-advance",
      "short_url": "https://overdraftapps.com/#rocco",
      "oda_score": 7.7,
      "max_advance": "Up to $100",
      "max_sort": 100,
      "subscription_fee": "$8.99/month",
      "sub_monthly": 8.99,
      "express_fee_100": "$7.99 express fee for $100 advance",
      "cost100_estimate": 13.98,
      "express_is_estimate": false,
      "states": "Not available in CA, CT, MO, DC, NV",
      "states_excluded": "CA; CT; MO; DC; NV",
      "free_trial": false,
      "tips_solicited": true,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "Android only. Most people get $20 to $100. Tips are optional and you can skip them.",
      "key_notes": [
        "App solicits tips",
        "Asks for Tips",
        "Low Max",
        "States: CA; CT; MO; DC; NV"
      ],
      "article_review_url": "https://overdraftapps.com/rocco-app-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 32,
      "name": "Grid Money",
      "product": "Advance",
      "slug": "grid-money-advance",
      "anchor": "grid-money",
      "card_url": "https://overdraftapps.com/#app-grid-money-advance",
      "short_url": "https://overdraftapps.com/#grid-money",
      "oda_score": 7.6,
      "max_advance": "Up to $200",
      "max_sort": 200,
      "subscription_fee": "$10/month",
      "sub_monthly": 10,
      "express_fee_100": "$5.99 express fee for $100 advance*",
      "cost100_estimate": 12.66,
      "express_is_estimate": true,
      "states": "",
      "states_excluded": "not disclosed",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "The $10 monthly Grid+ plan is required for advances, and new users usually start around $50. Marketing mentions higher limits than many first-time users actually see.",
      "key_notes": [
        "High Subscription Fee"
      ],
      "article_review_url": "https://overdraftapps.com/grid-money-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 33,
      "name": "Beem",
      "product": "Everdraft™",
      "slug": "beem-everdraft",
      "anchor": "beem",
      "card_url": "https://overdraftapps.com/#app-beem-everdraft",
      "short_url": "https://overdraftapps.com/#beem",
      "oda_score": 5.6,
      "max_advance": "Up to $1,000",
      "max_sort": 1000,
      "subscription_fee": "From $1.99/month",
      "sub_monthly": 6.99,
      "express_fee_100": "$4 express fee for $100 advance",
      "cost100_estimate": 8.66,
      "express_is_estimate": false,
      "states": "Available in all 50 states and DC",
      "states_excluded": "none (all 50 states + DC)",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "Beem markets a $1,000 limit that very few users actually qualify for, requiring the most expensive plan. The app has an unusually large number of clearly fake-looking reviews on the app stores.",
      "key_notes": [
        "States: none (all 50 states + DC)"
      ],
      "article_review_url": "https://overdraftapps.com/beem-app-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 34,
      "name": "FrontPay",
      "product": "Cash Advance",
      "slug": "frontpay-cash-advance",
      "anchor": "frontpay",
      "card_url": "https://overdraftapps.com/#app-frontpay-cash-advance",
      "short_url": "https://overdraftapps.com/#frontpay",
      "oda_score": 5.6,
      "max_advance": "Up to $100",
      "max_sort": 100,
      "subscription_fee": "$14.99/month",
      "sub_monthly": 14.99,
      "express_fee_100": "$5.99 express fee for $100 advance*",
      "cost100_estimate": 15.98,
      "express_is_estimate": true,
      "states": "",
      "states_excluded": "not disclosed",
      "free_trial": true,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "Works entirely in a browser, so you never have to download an app. That helps if you cannot install apps or simply prefer not to. At $14.99 a month for a $100 max, the subscription is steep for the limit.",
      "key_notes": [
        "Free trial available",
        "High Subscription Fee",
        "Website Only"
      ],
      "article_review_url": "https://overdraftapps.com/frontpay-review/",
      "last_verified": "2026-08-09"
    },
    {
      "position": 35,
      "name": "Gerald",
      "product": "Cash Advance",
      "slug": "gerald-cash-advance",
      "anchor": "gerald",
      "card_url": "https://overdraftapps.com/#app-gerald-cash-advance",
      "short_url": "https://overdraftapps.com/#gerald",
      "oda_score": 5.5,
      "max_advance": "Up to $200",
      "max_sort": 200,
      "subscription_fee": "No Subscription Fee",
      "sub_monthly": 0,
      "express_fee_100": "No express fee",
      "cost100_estimate": 10,
      "express_is_estimate": false,
      "states": "",
      "states_excluded": "not disclosed",
      "free_trial": false,
      "tips_solicited": false,
      "multiple_draws": false,
      "editors_pick": false,
      "summary": "No fees, but there is a catch. You must buy something in Gerald's own store first, and part of your advance comes as store credit for that store instead of cash.",
      "key_notes": [],
      "article_review_url": "https://overdraftapps.com/gerald-wallet-app-review/",
      "last_verified": "2026-08-09"
    }
  ]
}