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Updated September 2026.
Need $25 fast? You are not alone. Millions of Americans run short before payday, and a small $25 cash advance can cover gas, a bus pass, or a small bill without racking up bank overdraft fees. Looking for how to borrow $20 instantly instead? We have a dedicated guide for that amount.
We compared 12 popular cash advance apps to find the fastest, cheapest ways to borrow $25 right now. Every fee, limit, and delivery speed below comes from each app’s official pricing, verified as of July 2026.
Best Apps to Borrow $25 (2026)
| App | Max Advance | Subscription | Express Fee (~$25) | Best For | Get Started |
|---|---|---|---|---|---|
 MoneyLion |
Up to $500 | $0/mo | $3.99 | No sub, flexible | Get MoneyLion |
 Tilt |
Up to $400 | $8/mo* | $2.00 | Low express fee | Get Tilt |
 Cleo |
Up to $250 | $5.99/mo | $3.99 – $9.99 | AI money coaching | Get Cleo |
 Brigit |
Up to $500 | $8.99/mo | $0.99 – $3.99 | Budgeting + advances | Get Brigit |
 Klover |
Up to $200 | $0/mo | Up to $4.99 | No sub, earn points | Get Klover |
 Chime MyPay |
Up to $500 | $0/mo | $2.00 (Chime acct) | Lowest total cost | Get Chime |
 Albert Instant1 |
$25 – $1,000* | $0/mo | Draw fees apply | No Instant subscription fee | Get Albert Instant |
 Grant |
Up to $500 | $9.99/mo | $2 – $21 | New users start at $25 | Get Grant |
 Current |
Up to $750 | $0/mo | Fee (Current acct) | High max, banking | Get Current |
 FloatMe |
$50 (new) / $100 (existing) | $4.99/mo* | $3.00 – $4.00* | Simple, small amounts | Get FloatMe |
 EarnIn |
$150/day | $0/mo | $3.99 | Earned wage access | Read Review |
 Dave |
Up to $500 | $5/mo | 5% + 5% mandatory | Dave banking users | Read Review |
*Free trial available. Albert Instant limits start at $25. Fees shown are nearly identical for $20 and $25 on every app in this table (they fall in the same fee tier), except FloatMe, which funds in fixed $10 increments. A $20 request lands exactly on a Float. A $25 request rounds to the nearest $20 or $30 Float. Express fees shown are for sending roughly $20-$25 to an external bank account instantly. Standard (free) delivery typically takes 1 to 5 business days. Chime and Current deliver to their own bank accounts only. All fees verified July 2026.
Best App for Your Situation
Lowest Total Cost
Chime MyPay charges a flat $2.00 minimum express fee (3% of $25 rounds up to Chime’s $2 floor), so getting $25 costs just $2.00 with no monthly fee. Do not have a Chime account? EarnIn and MoneyLion both charge $3.99 for a $25 advance with no subscription either.
No Subscription Fee
MoneyLion, Klover, and EarnIn let you borrow $25 without paying a monthly fee. You only pay the express fee if you choose instant delivery. Albert Instant also has no subscription fee for Instant. Draw fees apply, and funds are sent to your Albert account in minutes.
Apps That Start Right at $25
Albert Instant publishes $25 as the floor of its Instant range, and Grant reports new users typically starting between $25 and $100. If you specifically need exactly $25 (not $30, not $50), these two are the most natural fit. Instant draw fees apply, and funds go to an Albert account in minutes.
Looking at Super.com Instead?
Every app above is cheaper for a one-off $25 need. Super.com’s Cash Advance tops out at $250, but it only works with an active $15/month Super+ subscription — steep for borrowing $25. Super+ can still be worth it if you want its travel and shopping discounts too; see our full Super.com review to decide.
How Much Does a $25 Cash Advance Cost?
The cost of borrowing $25 depends on three things: the monthly subscription (if any), the express fee for instant delivery, and optional tips (only a few apps ask). Fees for a $25 advance land in the same tier as a $20 request on almost every app below (they land in the same fee tier). Here is what each app actually charges, ordered from lowest to highest total cost:
| App | Subscription | Express Fee | Other Fees | Total Cost |
|---|---|---|---|---|
| Chime MyPay | $0 | $2.00 (min) | Chime acct required | $2.00 |
| EarnIn | $0 | $3.99 | Tips optional | $3.99 |
| MoneyLion | $0 | $3.99 | Tips optional | $3.99 |
| Klover | $0 | Up to $4.99 | Points offset fees | Up to $4.99 |
| Dave | $5.00/mo | $1.25 (5%) | $1.25 mandatory (5%) | $7.50 |
| FloatMe* | $4.99/mo | $3.00 – $4.00 | Rounds to nearest $10 | $7.99 – $8.99 |
| Brigit | $8.99/mo | $0.99 – $3.99 | None | $9.98 – $12.98 |
| Cleo | $5.99/mo | $3.99 – $9.99 | None | $9.98 – $15.98 |
| Tilt* | $8.00/mo | $2.00 | None | $10.00 |
| Grant | $9.99/mo | $2 – $21 | None | $11.99+ |
| Albert Instant | $0 (not required) | Draw fees (est. ~$5.99 per $100) | Late fees may apply | Varies |
| Current | $0 | Not disclosed | Current acct required | Varies |
*Free trial available. Tips are always optional and excluded from totals. FloatMe funds in fixed $10 increments, so exact $25 costs shown reflect the nearest $20-$30 tier. All data from primary sources verified July 2026.
Not sure which app is right for you? Our full directory compares 35+ cash advance apps with filters for fees, limits, and features.
Cash Advance App Reviews
MoneyLion Instacash: Up to $500 with No Subscription
MoneyLion’s Instacash feature lets you borrow up to $500 with no interest, no credit check, and no monthly subscription fee. If you set up a RoarMoney bank account with qualifying direct deposits, your limit can grow up to $1,000.
New users typically start at $10 to $50 and build up from there based on deposit history, so a $25 request comfortably fits inside almost anyone’s starting limit.
Delivery speed: Standard delivery to an external bank takes 2 to 5 business days (free). For a $25 advance to an external bank, the express fee is $3.99. With a RoarMoney account, standard delivery takes 1 to 2 days and the express fee drops to $1.99 for $25.
How you pay it back: MoneyLion automatically deducts your advance from your next paycheck deposit.
- No monthly subscription required
- Fits inside almost every new user’s starting limit
- Up to $500 ($1,000 with RoarMoney)
- No credit check
- Express fee up to $8.99 for larger amounts
- External bank standard delivery takes 2-5 days
- Tips prompted (always optional)
- $10-$50 starting limit for new users
Tilt: Up to $400 with Low Express Fees
Tilt (formerly Empower) offers cash advances up to $400 with no interest, no tips, and no credit check. New users typically qualify for about $102, with returning users averaging $171, so a $25 draw is a small slice of most approved lines.
Tilt’s express fee schedule is tiered and disclosed upfront. A $25 advance to an external bank costs just $2.00 in express fees. If you use a qualifying Tilt Card, express delivery is free.
Subscription: $8.00 per month with a 14-day free trial for new members. You can opt out by emailing help@tilt.com.
Delivery speed: Express delivery to an external bank is nearly instant. Standard delivery is free but takes longer.
- 14-day free trial
- Clear, low express fees ($2.00 for $25)
- Free express delivery to Tilt Card
- No tips, no interest
- $8/month subscription after trial
- Must email to cancel subscription
- One advance at a time
Cleo: Up to $250 with AI Money Coaching
Cleo is an AI-powered money app that offers cash advances up to $250 on its Plus plan ($5.99/month). First-time users typically start at $20 to $100, which lines up well with a $25 request.
Beyond the advance, Cleo’s AI assistant analyzes your spending, gives you (sometimes sassy) tips to save money, and offers cashback on purchases. It is a good pick if you want budgeting help alongside your cash advance.
Delivery speed: Same-day express delivery to your external bank costs $3.99 to $9.99. The exact express fee is shown in the app before you accept. Standard delivery is free but takes a few business days.
Good to know: Cleo settled with the FTC in March 2025 for $17 million over advance amount claims. The app has since updated its disclosures.2
- First-time range ($20-$100) fits a $25 request well
- AI budgeting and spending analysis
- No credit check, no interest, no tips
- App Store rating: 4.6
- $5.99/month subscription required
- Express fees up to $9.99
- Lower max ($250) vs. competitors
- FTC settlement history (2025)
Brigit: Up to $500 with Budgeting Tools
Brigit offers cash advances up to $500 on its paid plans. The Plus plan ($8.99/month) gives you advance access, while the Premium plan ($15.99/month) adds free express delivery and a credit builder feature.
New users typically get approved for a $50 to $150 limit, and you can request any amount up to that limit, so a $25 draw fits comfortably within your first approval.
Delivery speed: Express delivery to your external bank takes about 20 minutes and costs $0.99 to $3.99 on the Plus plan (free on Premium). Standard delivery is free and takes 2 to 3 business days.
Brigit also tracks your spending patterns, warns you about upcoming low balances, and can automatically transfer money to cover potential overdrafts. It is one of the better “advance plus budgeting” combos.
- Up to $500 advance limit
- Low express fees ($0.99-$3.99)
- Overdraft prediction and alerts
- Credit builder on Premium
- Available nationwide
- $8.99-$15.99/month subscription
- Must repay before next advance
- Must email to opt out of subscription
Klover: Up to $200 with No Subscription
Klover lets you borrow up to $200 (up to $400 with point boosts) with no monthly subscription, no interest, and no credit check. New users typically start at $5 to $100, so $25 is well within reach from day one.
The way Klover keeps costs low is through its points system. You earn points by scanning receipts, completing surveys, and watching ads. Those points can reduce or eliminate your express fees.
Delivery speed: Express delivery to your external bank costs up to $4.99 for a $25 advance (before points offset) — Klover’s fee tiers are lower for small draws like this one. Standard delivery is free but takes a few business days.
Optional Klover+ ($4.99/month): Adds credit monitoring and bill tracking. It is not required for advances.
- No subscription required for advances
- Lower express fees on small draws like $25
- No credit check, no interest
- Up to $400 with point boosts
- Express fees rise for larger draws
- Lower starting limits ($5-$100)
- Klover+ trial auto-enrolls at signup
Chime MyPay: $0 Sub, Cheapest Way to Get $25
Chime MyPay lets you access up to $500 of your paycheck early with no subscription fee, no interest, and no credit check. Most members start at $50 to $100, and the limit grows with your direct deposit history — but MyPay’s $20 minimum per draw means a $25 request is one of the smallest amounts you can actually request.
MyPay delivers only to your Chime Checking account. You need a Chime account with recurring direct deposits to qualify. It is not a standalone cash advance app.
Delivery speed: Free delivery within 24 hours to your Chime account. Instant delivery (in seconds) costs 3% of your advance, with a $2 minimum and $5 maximum. For a $25 advance, 3% works out to less than a dollar, so the $2 minimum fee applies — the lowest express fee of any app in this guide.
If you already bank with Chime, or want a free checking account that also offers early paycheck access, MyPay is the cheapest way to get $25 fast.
- No subscription fee
- Free delivery within 24 hours
- Express fee is just $2.00 for $25
- Up to $500 limit
- Get paid up to 2 days early
- Chime account required
- Delivers to Chime only (not external banks)
- Not available in all states
- Requires qualifying direct deposits
Albert Instant: Get up to $1,0003, $25 is the Instant floor
Albert Instant is an unsecured line of credit. You can get up to $1,000 if you qualify. You can take $25 when that amount is within the limit Albert shows you. Most users are offered lower amounts to start, and few people qualify for the full amount. There is no subscription fee for Instant. The same app also includes optional budgeting tools for spending, bills, and goals.4 Those tools are optional and separate from Instant.
What it costs: Draw fees apply on the amount you take. Overdraft Apps estimates about $5.99 for $100. Albert discloses the fee in the app before you confirm. Late fees may apply if you miss a due date.
How you get it: Funds are sent to your Albert account in minutes. Instant is not available in CO, CT, IA, ME, MN, MT, NV, NJ, SD, VT, and WI.
- Albert Instant is an unsecured line of credit issued by FinWise Bank, a Utah chartered bank, Member FDIC. Limits range from $25–$1,000. Draw fees apply. No Albert subscription required. Terms and eligibility criteria including geographic restrictions apply.
- Subject to eligibility. Amounts range from $20-$250, and $20-$100 for first time users. Amounts subject to change. Same day transfers subject to express fees.
- Albert Instant is an unsecured line of credit issued by FinWise Bank, a Utah chartered bank, Member FDIC. Limits range from $25–$1,000. Draw fees apply. No Albert subscription required. Terms and eligibility criteria including geographic restrictions apply.
- Try for 30 days before you’re charged. Plans start at $19.99/mo. Fees auto-renew until canceled. Cancel in the app. Terms apply.
