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Updated July 24, 2026. With an express fee, many cash advance apps can deliver money in minutes. Free standard delivery usually takes 1 to 3 business days. Apps tied to their own bank account (Chime, Current, Varo, Step, Upgrade) can be fast inside that account after you qualify.
Speed is rarely the hard part. The tradeoff is the express fee versus waiting for free delivery.
How fast can you get money from a cash advance app?
| App | Max Advance | Subscription | Express fee ($100) | ~$100 all-in | Get Started |
|---|---|---|---|---|---|
 Vola Finance |
Up to $500 | From $2.99/month | No express fee | $1.99 | Read review |
 Chime |
Up to $500 | No Subscription Fee | $3 express fee for $100 advance | $3.00† | Get Chime |
 B9 |
Up to $1,000 | $5.99/month | No express fee | $3.99 | Read review |
 Current |
Up to $750 | No Subscription Fee | Instant Access fee shown in app* | $4.99† | Get Current |
 Step |
Up to $250 | No Subscription Fee | 5.5% express fee (Step Spending only) | $5.50† | Read review |
 EarnIn |
Up to $150/day | No Subscription Fee | $5.99 Lightning Speed Fee for $100 advance | $5.99 | Read review |
 Albert |
Up to $1,000 | No Subscription Fee | $5.99 express fee for $100 advance** | $5.99* | Get Albert |
 Upgrade |
Up to $500 | $9.99/month | No express fee (Premium plan, Boost account only) | $6.66† | Read review |
 Upstart |
Up to $500 | $10/month | No express fee | $6.67 | Read review |
 Self |
Up to $300 | No Subscription Fee | $6.99 express fee for $100 advance | $6.99 | Read review |
 Cashli |
Up to $150 | $3.88/month | $4.99 express fee for $100 advance** | $7.58* | Read review |
 ATM.com |
Up to $50 | $3.99/month | $5 express fee for $50 advance | $7.66 | Read review |
 Varo |
Up to $500 | No Subscription Fee | $8 fee for $100 advance (Varo account only) | $8.00† | Read review |
 Dave |
Up to $500 | $5/month | $5 express fee for $100 advance | $8.33 | Read review |
 Beem |
Up to $1,000 | From $1.99/month | $4 express fee for $100 advance | $8.66 | Read review |
 MoneyLion |
Up to $500 | No Subscription Fee | $8.99 Turbo Fee for $100 advance | $8.99 | Get MoneyLion |
 Brigit |
Up to $500 | $8.99/month | $3.99 express fee for $100 advance | $9.98 | Get Brigit |
 Gerald |
Up to $200 | No Subscription Fee | No express fee | $10.00 | Read review |
~$100 all-in uses our directory cost model (express fee plus monthly subscription spread across about 1.5 advances per month). †Delivery stays inside the app’s own account. *Express fee estimated. Verified July 24, 2026. See all 35 apps in the directory.
Fastest path in practice
If you already bank with Chime or Current, in-app delivery is often the quickest once you qualify. If you need money in an external bank today, pick an app with a published express fee you can accept, then choose express delivery at checkout. If you can wait 1 to 3 days, skip the express fee on apps that offer free standard delivery.
Apps that advertise no express fee
Gerald, B9, Vola Finance, Upgrade, Vansi, Upstart, Earnifi list no separate express fee on the card (subscription or plan rules may still apply). Confirm delivery timing in the app.
Compare all 35 apps in one place
Sort the directory by Lowest cost ($100) when speed and price both matter.
FAQ
How fast can I get money from a cash advance app?
Express delivery is often minutes for a fee. Free standard delivery is usually 1 to 3 business days. Banking apps can be fast inside their own accounts after you qualify with deposits.
Is express delivery worth it?
Only if you need the money the same day. On a $100 advance, express fees in our directory often run a few dollars to around $10+, before counting any subscription.
Which apps are fastest to an external bank?
Most major apps offer debit or ACH express rails once you are approved. Compare the express fee line on each directory card. Internal-only products (for example Chime MyPay) do not send to an outside bank.
