# Overdraft Apps — Cash Advance Directory (full dataset)

> Primary comparison dataset for ~35 cash advance apps. Last verified: **2026-08-09**. Source homepage: https://overdraftapps.com/

This file mirrors the homepage directory in clean markdown so assistants can retrieve fees, limits, and ODA scores in one pull. Editorial ODA scores are out of 10 (not consumer star ratings). Methodology: https://overdraftapps.com/methodology/

Machine-readable copies:
- https://overdraftapps.com/data/cash-advance-apps.json
- https://overdraftapps.com/data/cash-advance-apps.csv

Site index for LLMs: https://overdraftapps.com/llms.txt

## Summary table

| # | App | ODA score | Max | Subscription | Express fee ($100) | ~$100 all-in | Key notes | Last verified |
|---|-----|-----------|-----|--------------|--------------------|--------------|-----------|---------------|
| 1 | [Tilt](https://overdraftapps.com/#app-tilt-cash-advance) | 9.5 | Up to $400 | $8/month | $5 express fee for $100 advance | $10.33 | Free trial available; Editor's Pick; Free Trial; States: CT; ME; DC | 2026-08-09 |
| 2 | [Upstart](https://overdraftapps.com/#app-upstart-cash-line) | 9.2 | Up to $500 | $10/month | No express fee | $6.67 | 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 | 2026-08-09 |
| 3 | [Brigit](https://overdraftapps.com/#app-brigit-instant-cash) | 9.1 | Up to $500 | $8.99/month | $3.99 express fee for $100 advance | $9.98 | Editor's Pick | 2026-08-09 |
| 4 | [MoneyLion](https://overdraftapps.com/#app-moneylion-instacash) | 9.1 | Up to $500 | No Subscription Fee | $8.99 Turbo Fee for $100 advance | $8.99 | App solicits tips; Multiple draws allowed; Editor's Pick; Asks for Tips | 2026-08-09 |
| 5 | [Chime](https://overdraftapps.com/#app-chime-mypay) | 9 | Up to $500 | No Subscription Fee | $3 express fee for $100 advance | $3.00 | Multiple draws allowed; Editor's Pick; Multiple Draws; States: CO; CT; IL; ME; MA; MN; MT; NJ; NM; SD; WA; WY | 2026-08-09 |
| 6 | [Current](https://overdraftapps.com/#app-current-paycheck-advance) | 8.9 | Up to $750 | No Subscription Fee | Instant Access fee shown in app* | $4.99 | Multiple draws allowed; Editor's Pick; Multiple Draws | 2026-08-09 |
| 7 | [EarnIn](https://overdraftapps.com/#app-earnin-cash-out) | 8.9 | Up to $150/day | No Subscription Fee | $5.99 Lightning Speed Fee for $100 advance | $5.99 | App solicits tips; Multiple draws allowed; Asks for Tips; Multiple Draws; States: CT | 2026-08-09 |
| 8 | [Grant](https://overdraftapps.com/#app-grant-cash-advance) | 8.9 | Up to $500 | $9.99/month | $5.99 express fee for $100 advance* | $12.65 | Editor's Pick; High Subscription Fee; States: CT; DC; MD; NV; RI; SC; WI | 2026-08-09 |
| 9 | [Self](https://overdraftapps.com/#app-self-self-cash) | 8.9 | Up to $300 | No Subscription Fee | $6.99 express fee for $100 advance | $6.99 |  | 2026-08-09 |
| 10 | [Dave](https://overdraftapps.com/#app-dave-extracash) | 8.8 | Up to $500 | $5/month | $5 express fee for $100 advance | $8.33 | States: none (all 50 states + DC) | 2026-08-09 |
| 11 | [Upgrade](https://overdraftapps.com/#app-upgrade-boostcash) | 8.8 | Up to $500 | $9.99/month | No express fee (Premium plan, Boost account only) | $6.66 | 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 | 2026-08-09 |
| 12 | [Albert](https://overdraftapps.com/#app-albert-albert-instant) | 8.6 | Up to $1,000 | No Subscription Fee | $5.99 express fee for $100* | $5.99 | Editor's Pick; States: CO; CT; IA; ME; MN; MT; NV; NJ; SD; VT; WI | 2026-08-09 |
| 13 | [Earnifi](https://overdraftapps.com/#app-earnifi-pay-advance) | 8.6 | Up to $500 | $15.99/month | No express fee | $10.66 | Editor's Pick; High Subscription Fee; States: CA; CO; CT; IN; KS; MD; MN; MO; NV; NY; SC; UT; VT; DC | 2026-08-09 |
| 14 | [Varo](https://overdraftapps.com/#app-varo-varo-advance) | 8.6 | Up to $500 | No Subscription Fee | $8 fee for $100 advance (Varo account only) | $8.00 | States: none (all 50 states + DC) | 2026-08-09 |
| 15 | [B9](https://overdraftapps.com/#app-b9-b9-advance) | 8.5 | Up to $1,000 | $5.99/month | No express fee | $3.99 | Free trial available; Multiple draws allowed; Free Trial; Multiple Draws; States: IN; KS; MD; NV; SC; WI | 2026-08-09 |
| 16 | [Cleo](https://overdraftapps.com/#app-cleo-cash-advance) | 8.5 | Up to $250 | $5.99/month | $9.99 express fee for $100 advance | $13.98 | Editor's Pick; States: CT; ME | 2026-08-09 |
| 17 | [FloatMe](https://overdraftapps.com/#app-floatme-float) | 8.5 | Up to $100 | $4.99/month | $7 express fee for $100 advance | $10.33 | Free trial available; Editor's Pick; Low Max; Free Trial; States: CT; DC; NV | 2026-08-09 |
| 18 | [Vola Finance](https://overdraftapps.com/#app-vola-finance-cash-advance) | 8.5 | Up to $500 | From $2.99/month | No express fee | $1.99 |  | 2026-08-09 |
| 19 | [Experian](https://overdraftapps.com/#app-experian-experian-cash) | 8.4 | Up to $250 | $14.99/month | $3.99 express fee for $100 advance | $13.98 | High Subscription Fee | 2026-08-09 |
| 20 | [Klover](https://overdraftapps.com/#app-klover-balance-advance) | 8.4 | Up to $400 | No Subscription Fee | $12.29 express fee for $100 advance | $12.29 | Free trial available; Editor's Pick; States: none (all 50 states + DC) | 2026-08-09 |
| 21 | [Money App](https://overdraftapps.com/#app-money-app-cash-advance) | 8.4 | Up to $250 | No Subscription Fee | $12.99 express fee for $100 advance | $12.99 | 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 | 2026-08-09 |
| 22 | [Possible Finance](https://overdraftapps.com/#app-possible-finance-possible-advance) | 8.4 | Up to $300 | No Subscription Fee | $10-$25 express fee per $100 borrowed (varies by state) | $17.50 | Free trial available; States: limited; available in: CO; GA; MA; MN; NJ; NM; ND; SD; WV | 2026-08-09 |
| 23 | [True Finance](https://overdraftapps.com/#app-true-finance-cash-advance) | 8.3 | Up to $150 | $6.99/month | $5.99 express fee for $100 advance | $10.65 | States: none (all 50 states + DC) | 2026-08-09 |
| 24 | [ATM.com](https://overdraftapps.com/#app-atm-com-instant-cash) | 8.2 | Up to $50 | $3.99/month | $5 express fee for $50 advance | $7.66 | Free trial available; Low Max; States: none (all 50 states + DC) | 2026-08-09 |
| 25 | [OneBlinc](https://overdraftapps.com/#app-oneblinc-blincadvance) | 8.2 | Up to $250 | $8.99/month | $4.99 express fee for $100 advance* | $10.98 |  | 2026-08-09 |
| 26 | [Super.com](https://overdraftapps.com/#app-super-com-cash-advance) | 8.2 | Up to $250 | $15/month | $4.99 express fee for $100 advance* | $14.99 | Editor's Pick; High Subscription Fee | 2026-08-09 |
| 27 | [Vansi](https://overdraftapps.com/#app-vansi-bridge-a-gap-bag-cash-advance) | 8.2 | Up to $200 | $17.31/month | No express fee | $11.54 | High Subscription Fee; States: CA; CT; NV; MD; UT; KS; MO; SC; WI; IN; MA; DC | 2026-08-09 |
| 28 | [Step](https://overdraftapps.com/#app-step-earlypay) | 8.1 | Up to $250 | No Subscription Fee | 5.5% express fee (Step Spending only) | $5.50 |  | 2026-08-09 |
| 29 | [Cashli](https://overdraftapps.com/#app-cashli-cash-advance) | 8 | Up to $150 | $3.88/month | $4.99 express fee for $100 advance* | $7.58 | Free trial available; App solicits tips; Asks for Tips; States: CT; MD; DC; NV | 2026-08-09 |
| 30 | [Credit Genie](https://overdraftapps.com/#app-credit-genie-cash-boost) | 7.9 | Up to $150 | $9.99/month | $4.99 express fee for $100 advance* | $11.65 | Editor's Pick; High Subscription Fee; States: CT; MD; NV; HI; DC; WI | 2026-08-09 |
| 31 | [Rocco](https://overdraftapps.com/#app-rocco-cash-advance) | 7.7 | Up to $100 | $8.99/month | $7.99 express fee for $100 advance | $13.98 | App solicits tips; Asks for Tips; Low Max; States: CA; CT; MO; DC; NV | 2026-08-09 |
| 32 | [Grid Money](https://overdraftapps.com/#app-grid-money-advance) | 7.6 | Up to $200 | $10/month | $5.99 express fee for $100 advance* | $12.66 | High Subscription Fee | 2026-08-09 |
| 33 | [Beem](https://overdraftapps.com/#app-beem-everdraft) | 5.6 | Up to $1,000 | From $1.99/month | $4 express fee for $100 advance | $8.66 | States: none (all 50 states + DC) | 2026-08-09 |
| 34 | [FrontPay](https://overdraftapps.com/#app-frontpay-cash-advance) | 5.6 | Up to $100 | $14.99/month | $5.99 express fee for $100 advance* | $15.98 | Free trial available; High Subscription Fee; Website Only | 2026-08-09 |
| 35 | [Gerald](https://overdraftapps.com/#app-gerald-cash-advance) | 5.5 | Up to $200 | No Subscription Fee | No express fee | $10.00 |  | 2026-08-09 |

## Apps (detail)

### 1. Tilt — Cash Advance

- **ODA score:** 9.5/10
- **Max advance:** Up to $400
- **Subscription fee:** $8/month
- **Express fee for $100:** $5 express fee for $100 advance
- **~$100 all-in estimate:** $10.33
- **Key notes:** Free trial available; Editor's Pick; Free Trial; States: CT; ME; DC
- **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.
- **Directory card:** https://overdraftapps.com/#app-tilt-cash-advance
- **Full review:** https://overdraftapps.com/tilt-cash-advance/
- **Details:**
  - Express fee: The fee depends on how much you borrow: $1 for up to $10, $2 for $10 to $50, $3 for $50 to $75, $4 for $75 to $100, and $5 for $100 to $150. Larger advances around $300 or more cost up to 3% of the amount. Maryland caps the express fee at $7.50.
  - Free option: Express is free if you use a qualifying Tilt Card. Waiting for standard delivery is also free.
  - Subscription: $8/month, on by default. You can opt out by emailing help@tilt.com.
  - Typical advance: $102 first-time, $171 returning (disclosed by Tilt).
  - Tips: Tilt recently eliminated tips. They are no longer part of the advance flow.
  - Brand: Tilt rebranded from Empower.
  - Store ratings: App Store 4.8 · Google Play 4.7
  - Our $100 cost estimate: About $10.33 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).

### 2. Upstart — Cash Line

- **ODA score:** 9.2/10
- **Max advance:** Up to $500
- **Subscription fee:** $10/month
- **Express fee for $100:** No express fee
- **~$100 all-in estimate:** $6.67
- **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
- **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.
- **Directory card:** https://overdraftapps.com/#app-upstart-cash-line
- **Full review:** https://overdraftapps.com/upstart-cash-line-review/
- **Details:**
  - What it is: A revolving credit line up to $500 inside the Upstart app - no interest on draws up to $500.
  - Draws: Minimum $200 once approved; one outstanding draw at a time. That higher floor is useful when $50-$100 is not enough.
  - Delivery: Instant deposits to your linked bank at no extra cost (your bank must support instant transfers).
  - Platform: iPhone only - Cash Line is not on Android. Still a newer product than most apps on this list.
  - Subscription: First subscription fee refunded only if you take no draw in the first billing cycle - taking a draw means you pay the $10/month.
  - Store ratings: App Store 4.9
  - Our $100 cost estimate: About $6.67 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Excluded states: CO, CT, DC, GA, IL, IA, LA, ME, MD, MA, NV, NH, NM, NY, TN, VT, WA, WV, WI

### 3. Brigit — Instant Cash

- **ODA score:** 9.1/10
- **Max advance:** Up to $500
- **Subscription fee:** $8.99/month
- **Express fee for $100:** $3.99 express fee for $100 advance
- **~$100 all-in estimate:** $9.98
- **Key notes:** Editor's Pick
- **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.
- **Directory card:** https://overdraftapps.com/#app-brigit-instant-cash
- **Full review:** https://overdraftapps.com/brigit-app-review/
- **Details:**
  - Express fee: Public range $0.99-$3.99; Brigit does not publish a full tier table. We display the top of the range for a $100 send.
  - Free option: Standard delivery (2-3 business days) is free.
  - Subscription: $8.99/month (Plus plan) is required for advances. You can opt out by emailing terms1@hellobrigit.com. Premium ($15.99) adds free express but is not required.
  - Repayment: You must repay before requesting another advance.
  - Store ratings: App Store 4.8 · Google Play 4.8
  - Our $100 cost estimate: About $9.98 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).

### 4. MoneyLion — Instacash

- **ODA score:** 9.1/10
- **Max advance:** Up to $500
- **Subscription fee:** No Subscription Fee
- **Express fee for $100:** $8.99 Turbo Fee for $100 advance
- **~$100 all-in estimate:** $8.99
- **Key notes:** App solicits tips; Multiple draws allowed; Editor's Pick; Asks for Tips
- **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.
- **Directory card:** https://overdraftapps.com/#app-moneylion-instacash
- **Full review:** https://overdraftapps.com/moneylion-reviews/
- **Details:**
  - Daily limit: $100 per transaction to an external bank. Getting the full $500 takes 5 separate draws.
  - Turbo Fees (external bank): $1.99 (up to $5) / $3.99 ($10-$25) / $4.99 ($30-$45) / $5.99 ($50-$65) / $7.49 ($70-$85) / $8.99 ($90-$100).
  - Cheaper option: Fees are lower to a MoneyLion RoarMoney account ($6.99 for $100). Standard delivery (2-5 days) is free.
  - Higher limit: $1,000 max requires a RoarMoney account with qualifying direct deposits.
  - Store ratings: App Store 4.8 · Google Play 4.6
  - Our $100 cost estimate: About $8.99 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).

### 5. Chime — MyPay

- **ODA score:** 9/10
- **Max advance:** Up to $500
- **Subscription fee:** No Subscription Fee
- **Express fee for $100:** $3 express fee for $100 advance
- **~$100 all-in estimate:** $3.00
- **Key notes:** Multiple draws allowed; Editor's Pick; Multiple Draws; States: CO; CT; IL; ME; MA; MN; MT; NJ; NM; SD; WA; WY
- **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.
- **Directory card:** https://overdraftapps.com/#app-chime-mypay
- **Full review:** https://overdraftapps.com/chime-mypay-review/
- **Details:**
  - Where the money goes: Chime Checking only. No transfers to external bank accounts.
  - Instant fee: 3% of the advance (min $2, max $5). Free if you can wait about 24 hours.
  - Draws: MyPay accrues daily up to your limit; $20 minimum per draw.
  - Other perks: Early direct deposit and SpotMe fee-free overdraft coverage up to $200 for eligible members.
  - Store ratings: App Store 4.8 · Google Play 4.7
  - Excluded states: CO, CT, IL, ME, MA, MN, MT, NJ, NM, SD, WA, WY

### 6. Current — Paycheck Advance

- **ODA score:** 8.9/10
- **Max advance:** Up to $750
- **Subscription fee:** No Subscription Fee
- **Express fee for $100:** Instant Access fee shown in app*
- **~$100 all-in estimate:** $4.99
- **Key notes:** Multiple draws allowed; Editor's Pick; Multiple Draws
- **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.
- **Directory card:** https://overdraftapps.com/#app-current-paycheck-advance
- **Full review:** https://overdraftapps.com/current-app-review/
- **Details:**
  - Where the money goes: Current account only. No transfers to external banks.
  - Instant fee: Not published - Current shows the Instant Access fee in-app when an advance is offered. Standard delivery (about 3 business days) is free.
  - Eligibility: Requires eligible payroll deposits into your Current account.
  - Other perks: Early direct deposit and up to $200 fee-free overdraft protection for eligible members.
  - Draws: Multiple advances allowed up to your qualified amount.
  - Store ratings: App Store 4.8 · Google Play 4.5

### 7. EarnIn — Cash Out

- **ODA score:** 8.9/10
- **Max advance:** Up to $150/day
- **Subscription fee:** No Subscription Fee
- **Express fee for $100:** $5.99 Lightning Speed Fee for $100 advance
- **~$100 all-in estimate:** $5.99
- **Key notes:** App solicits tips; Multiple draws allowed; Asks for Tips; Multiple Draws; States: CT
- **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.
- **Directory card:** https://overdraftapps.com/#app-earnin-cash-out
- **Full review:** https://overdraftapps.com/earnin-app/
- **Details:**
  - Daily limit: $150 per day; $1,000 per pay period.
  - Lightning Speed fee: $3.99 for cash outs up to $75; $5.99 above $75. Standard (1-2 days) is free.
  - Link fee: A $1.99 Cash Out link service fee may apply per EarnIn's fee table.
  - State pricing: Some states use different Lightning Speed pricing or no-tip models - check EarnIn's fees page for your state.
  - Store ratings: App Store 4.7 · Google Play 4.7
  - Our $100 cost estimate: About $5.99 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Excluded states: CT

### 8. Grant — Cash Advance

- **ODA score:** 8.9/10
- **Max advance:** Up to $500
- **Subscription fee:** $9.99/month
- **Express fee for $100:** $5.99 express fee for $100 advance*
- **~$100 all-in estimate:** $12.65
- **Key notes:** Editor's Pick; High Subscription Fee; States: CT; DC; MD; NV; RI; SC; WI
- **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.
- **Directory card:** https://overdraftapps.com/#app-grant-cash-advance
- **Full review:** https://overdraftapps.com/grant-app-review/
- **Details:**
  - Express fee: Grant discloses only a $2-$21 range with no tier table. The exact fee appears at checkout. Standard delivery is free.
  - Subscription: Grant Plus is $9.99/month. Advances are technically available without it, but only by emailing support@grantcash.com - the app pushes the subscription by default.
  - Speed: 98% of express transfers complete within 60 seconds per Grant.
  - Platform: iOS, Android, and web. You can apply in the Grant app or on Grant's website.
  - Store ratings: App Store 4.9 · Google Play 4.7
  - Our $100 cost estimate: About $12.65 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Excluded states: CT, DC, MD, NV, RI, SC, WI

### 9. Self — Self Cash

- **ODA score:** 8.9/10
- **Max advance:** Up to $300
- **Subscription fee:** No Subscription Fee
- **Express fee for $100:** $6.99 express fee for $100 advance
- **~$100 all-in estimate:** $6.99
- **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.
- **Directory card:** https://overdraftapps.com/#app-self-self-cash
- **Full review:** https://overdraftapps.com/self-lender-review/
- **Details:**
  - Instant fees: $3.99-$5.99 ($25-$75) / $6.99-$9.99 ($100-$150) / $12.99-$14.99 ($200-$300). We show the low end of the $100 band.
  - Free option: Standard delivery (up to 3 business days) is free.
  - Advance range: $25-$300, in select states only.
  - No new account: Links the bank account where your paycheck already lands - no direct deposit switch needed.
  - Store ratings: App Store 4.9 · Google Play 4.4
  - Our $100 cost estimate: About $6.99 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).

### 10. Dave — ExtraCash

- **ODA score:** 8.8/10
- **Max advance:** Up to $500
- **Subscription fee:** $5/month
- **Express fee for $100:** $5 express fee for $100 advance
- **~$100 all-in estimate:** $8.33
- **Key notes:** States: none (all 50 states + DC)
- **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.
- **Directory card:** https://overdraftapps.com/#app-dave-extracash
- **Full review:** https://overdraftapps.com/dave-app/
- **Details:**
  - Express fee: 5% of the advance amount, charged on every advance regardless of delivery method.
  - Standard delivery: The 5% fee applies even if you wait; there is no free path.
  - Typical advance: Average $73; few people qualify for $500. Maine residents max $25-$250.
  - Tips: Eliminated in Feb 2025 under an FTC settlement.
  - Store ratings: App Store 4.8 · Google Play 4.6
  - Our $100 cost estimate: About $8.33 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Excluded states: None - available in all 50 states and DC

### 11. Upgrade — BoostCash

- **ODA score:** 8.8/10
- **Max advance:** Up to $500
- **Subscription fee:** $9.99/month
- **Express fee for $100:** No express fee (Premium plan, Boost account only)
- **~$100 all-in estimate:** $6.66
- **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
- **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.
- **Directory card:** https://overdraftapps.com/#app-upgrade-boostcash
- **Full review:** https://overdraftapps.com/upgrade-app-review/
- **Details:**
  - Where the money goes: Boost Money Spend account only. No transfers to external banks.
  - Plans: Free tier: advances with standard delivery (3-5 business days). Premium $9.99/month: express within minutes, plus faster limit growth.
  - Limits: Advances start at $20 and grow to $500. Amounts over $250 require recurring direct deposits.
  - Repayment: Terms up to 34 days - longer than most cash advance apps.
  - Store ratings: App Store 4.9 · Google Play 4.5
  - Available states: Only 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

### 12. Albert — Albert Instant

- **ODA score:** 8.6/10
- **Max advance:** Up to $1,000
- **Subscription fee:** No Subscription Fee
- **Express fee for $100:** $5.99 express fee for $100*
- **~$100 all-in estimate:** $5.99
- **Key notes:** Editor's Pick; States: CO; CT; IA; ME; MN; MT; NV; NJ; SD; VT; WI
- **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.
- **Directory card:** https://overdraftapps.com/#app-albert-albert-instant
- **Full review:** https://overdraftapps.com/albert-app-review/
- **Details:**
  - Draw fee: Albert says draw fees apply. The exact amount appears in the app. The $5.99 figure is our estimate for getting $100.
  - Limits: Limits range from $25 to $1,000. Most new users are offered much lower amounts to start.
  - Subscription: No Albert subscription required for Albert Instant.
  - How you get it: Sent directly to your Albert account in minutes.
  - Store ratings: App Store 4.6 · Google Play 4.5
  - Our $100 cost estimate: About $5.99 all-in to get $100 express (our estimated draw fee plus your monthly fee spread across a typical 1.5 draws per month).
  - Important Additional Information: 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.
  - Excluded states: CO, CT, IA, ME, MN, MT, NV, NJ, SD, VT, WI

### 13. Earnifi — Pay Advance

- **ODA score:** 8.6/10
- **Max advance:** Up to $500
- **Subscription fee:** $15.99/month
- **Express fee for $100:** No express fee
- **~$100 all-in estimate:** $10.66
- **Key notes:** Editor's Pick; High Subscription Fee; States: CA; CO; CT; IN; KS; MD; MN; MO; NV; NY; SC; UT; VT; DC
- **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.
- **Directory card:** https://overdraftapps.com/#app-earnifi-pay-advance
- **Full review:** https://overdraftapps.com/earnifi-review/
- **Details:**
  - Free path: Standard ACH delivery (1-3 business days) is free with no subscription.
  - Instant path: The $15.99/month Instant Pay plan unlocks delivery in minutes, with no separate per-transfer fee.
  - Limits: Advances typically $15-$500, based on earned wages. One advance at a time.
  - Store ratings: App Store 4.5 · Google Play 4.3
  - Our $100 cost estimate: About $10.66 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Excluded states: CA, CO, CT, IN, KS, MD, MN, MO, NV, NY, SC, UT, VT, DC

### 14. Varo — Varo Advance

- **ODA score:** 8.6/10
- **Max advance:** Up to $500
- **Subscription fee:** No Subscription Fee
- **Express fee for $100:** $8 fee for $100 advance (Varo account only)
- **~$100 all-in estimate:** $8.00
- **Key notes:** States: none (all 50 states + DC)
- **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.
- **Directory card:** https://overdraftapps.com/#app-varo-varo-advance
- **Full review:** https://overdraftapps.com/varo-cash-advance/
- **Details:**
  - Where the money goes: Varo Bank account only. No transfers to external banks.
  - Fee: One upfront fee based on amount and your deposit history. With $800+/month in Varo deposits: $1.60 ($20) / $4 ($50) / $8 ($100) / $16 ($200) / $40 ($500). Fees run higher without that deposit level (up to $16 for $100).
  - Limits: $500 max requires $800+ in qualifying direct deposits; other paths cap at $100-$250.
  - Banking: Varo Bank, N.A. is an FDIC-insured national bank. Early direct deposit and savings tools are part of the same account.
  - Repayment: One advance at a time; repay in full before the next.
  - Store ratings: App Store 4.9 · Google Play 4.6
  - Excluded states: None - available in all 50 states and DC

### 15. B9 — B9 Advance℠

- **ODA score:** 8.5/10
- **Max advance:** Up to $1,000
- **Subscription fee:** $5.99/month
- **Express fee for $100:** No express fee
- **~$100 all-in estimate:** $3.99
- **Key notes:** Free trial available; Multiple draws allowed; Free Trial; Multiple Draws; States: IN; KS; MD; NV; SC; WI
- **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.
- **Directory card:** https://overdraftapps.com/#app-b9-b9-advance
- **Full review:** https://overdraftapps.com/b9-cash-advance-review/
- **Details:**
  - Plans: Basic $5.99/month (up to $250) or Premium $19.99/month (up to $1,000). Fee waived with $5,000+/month in direct deposits.
  - Transfers: Free instant to the B9 card and free ACH withdrawals to your bank.
  - Typical advance: New users $10-$50; Basic average $70; Premium average $291.
  - Trial: 30-day free trial.
  - Store ratings: App Store 4.5 · Google Play 4
  - Our $100 cost estimate: About $3.99 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Excluded states: IN, KS, MD, NV, SC, WI

### 16. Cleo — Cash Advance

- **ODA score:** 8.5/10
- **Max advance:** Up to $250
- **Subscription fee:** $5.99/month
- **Express fee for $100:** $9.99 express fee for $100 advance
- **~$100 all-in estimate:** $13.98
- **Key notes:** Editor's Pick; States: CT; ME
- **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.
- **Directory card:** https://overdraftapps.com/#app-cleo-cash-advance
- **Full review:** https://overdraftapps.com/cleo-app-review/
- **Details:**
  - Express fee: Same-day transfers cost $3.99 to $9.99 depending on the amount. Cleo does not publish a full tier table; we display the top of the range for a $100 send.
  - Subscription: $5.99/month (Cleo Plus) is required for advances.
  - Typical advance: $20-$100 first-time; up to $250 for returning Plus users.
  - Heads up: Cleo settled with the FTC in March 2025 for $17M over misleading advance-amount claims.
  - Store ratings: App Store 4.6 · Google Play 4.4
  - Our $100 cost estimate: About $13.98 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Excluded states: CT, ME

### 17. FloatMe — Float

- **ODA score:** 8.5/10
- **Max advance:** Up to $100
- **Subscription fee:** $4.99/month
- **Express fee for $100:** $7 express fee for $100 advance
- **~$100 all-in estimate:** $10.33
- **Key notes:** Free trial available; Editor's Pick; Low Max; Free Trial; States: CT; DC; NV
- **Summary:** Straightforward cash advances with a 7-day free trial. New members can borrow up to $50; existing members up to $100.
- **Directory card:** https://overdraftapps.com/#app-floatme-float
- **Full review:** https://overdraftapps.com/floatme-review/
- **Details:**
  - Express fee: Instant fees rise with the amount: $1 for about $10, $3 for $20, $4 for $30, $5 for $40 to $50, $6 for about $80, and $7 for $100.
  - Limits: New members up to $50; existing members up to $100.
  - Repayment: You must repay before your next Float.
  - Store ratings: App Store 4.8 · Google Play 4.5
  - Our $100 cost estimate: About $10.33 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Excluded states: CT, DC, NV

### 18. Vola Finance — Cash Advance

- **ODA score:** 8.5/10
- **Max advance:** Up to $500
- **Subscription fee:** From $2.99/month
- **Express fee for $100:** No express fee
- **~$100 all-in estimate:** $1.99
- **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.
- **Directory card:** https://overdraftapps.com/#app-vola-finance-cash-advance
- **Full review:** https://overdraftapps.com/vola-finance-review/
- **Details:**
  - Subscription: Tiers from $2.99 to $24.99/month. Vola does not publish the full plan table - your plan and limit show in the app.
  - Transfers: No transfer fees; the subscription is the only cost. Instant to the Vola Card.
  - Typical advance: New users $15-$35, growing slowly with on-time repayment. Most users never reach $500.
  - Restrictions: 5-day wait between advances. Does not support Chime, Varo, or GO2bank.
  - Store ratings: App Store 4.6 · Google Play 4.2
  - Our $100 cost estimate: About $1.99 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).

### 19. Experian — Experian Cash

- **ODA score:** 8.4/10
- **Max advance:** Up to $250
- **Subscription fee:** $14.99/month
- **Express fee for $100:** $3.99 express fee for $100 advance
- **~$100 all-in estimate:** $13.98
- **Key notes:** High Subscription Fee
- **Summary:** Runs on Brigit behind the scenes. The $14.99 monthly plan bundles Experian credit monitoring tools with the advance feature.
- **Directory card:** https://overdraftapps.com/#app-experian-experian-cash
- **Full review:** https://overdraftapps.com/experian-cash-review/
- **Details:**
  - Express fee: Uses Brigit's fee schedule: $0.99-$3.99 range, exact fee shown in-app. Standard delivery (2-3 business days) is free.
  - Subscription: $14.99/month Experian Money Plus, which bundles Experian credit monitoring tools.
  - Limits: $25-$250; one active advance at a time.
  - Store ratings: App Store 4.8
  - Our $100 cost estimate: About $13.98 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).

### 20. Klover — Balance Advance

- **ODA score:** 8.4/10
- **Max advance:** Up to $400
- **Subscription fee:** No Subscription Fee
- **Express fee for $100:** $12.29 express fee for $100 advance
- **~$100 all-in estimate:** $12.29
- **Key notes:** Free trial available; Editor's Pick; States: none (all 50 states + DC)
- **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.
- **Directory card:** https://overdraftapps.com/#app-klover-balance-advance
- **Full review:** https://overdraftapps.com/klover-app-review/
- **Details:**
  - Express fee: Instant fees rise with the amount: up to $1.49 for $5, $3.99 for $10, $4.99 for $15 to $30, $8.29 for $50, $12.29 for $100, and $15.99 for $150. These are the stated maximums; points can reduce what you pay.
  - Free option: Standard delivery is free without any subscription.
  - Limits: $5-$200 base; up to $400 only with point boosts.
  - Watch out: Signup auto-enrolls you in a 30-day Klover+ trial ($4.99/month after). Klover+ is not required for advances - cancel in the app if you don't want it.
  - Store ratings: App Store 4.7 · Google Play 4.6
  - Our $100 cost estimate: About $12.29 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Excluded states: None - available in all 50 states and DC

### 21. Money App — Cash Advance

- **ODA score:** 8.4/10
- **Max advance:** Up to $250
- **Subscription fee:** No Subscription Fee
- **Express fee for $100:** $12.99 express fee for $100 advance
- **~$100 all-in estimate:** $12.99
- **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
- **Summary:** No monthly fee, no tips, and no interest. A straightforward option if you mainly care about avoiding subscriptions.
- **Directory card:** https://overdraftapps.com/#app-money-app-cash-advance
- **Full review:** https://overdraftapps.com/money-app-review/
- **Details:**
  - Express fee: Fees rise with the amount and are charged when you repay: $4.99 for $25, $7.99 for $50, $9.99 for $75, $12.99 for $100, and up to $18.99 for $250.
  - Free option: Standard delivery (1-3 business days) is free.
  - Eligibility: Linked checking account with a debit card and direct deposit history. Savings and money market accounts are not accepted.
  - Store ratings: App Store 4.6 · Google Play 4
  - Our $100 cost estimate: About $12.99 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Available states: Only 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

### 22. Possible Finance — Possible Advance

- **ODA score:** 8.4/10
- **Max advance:** Up to $300
- **Subscription fee:** No Subscription Fee
- **Express fee for $100:** $10-$25 express fee per $100 borrowed (varies by state)
- **~$100 all-in estimate:** $17.50
- **Key notes:** Free trial available; States: limited; available in: CO; GA; MA; MN; NJ; NM; ND; SD; WV
- **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.
- **Directory card:** https://overdraftapps.com/#app-possible-finance-possible-advance
- **Full review:** https://overdraftapps.com/possible-finance-review/
- **Details:**
  - Express fee: $10-$25 per $100 borrowed, depending on your state. Confirm the exact fee before you accept.
  - Product type: Often structured as a small installment loan rather than a classic payday-style advance.
  - Limits: Typically up to $300 depending on eligibility and state rules.
  - Store ratings: App Store 4.8 · Google Play 4.4
  - Our $100 cost estimate: About $17.50 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Available states: Only CO, GA, MA, MN, NJ, NM, ND, SD, WV

### 23. True Finance — Cash Advance

- **ODA score:** 8.3/10
- **Max advance:** Up to $150
- **Subscription fee:** $6.99/month
- **Express fee for $100:** $5.99 express fee for $100 advance
- **~$100 all-in estimate:** $10.65
- **Key notes:** States: none (all 50 states + DC)
- **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.
- **Directory card:** https://overdraftapps.com/#app-true-finance-cash-advance
- **Full review:** https://overdraftapps.com/true-finance-review/
- **Details:**
  - Instant fee: $1.99-$5.99 for delivery within the hour. We show the top of the range. Standard (1-2 business days) is free.
  - Typical advance: Average $45; range $10-$150.
  - Heads up: Users report being charged the subscription before their advance limit is confirmed.
  - Store ratings: App Store 4.8 · Google Play 4.4
  - Our $100 cost estimate: About $10.65 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Excluded states: None - available in all 50 states and DC

### 24. ATM.com — Instant Cash

- **ODA score:** 8.2/10
- **Max advance:** Up to $50
- **Subscription fee:** $3.99/month
- **Express fee for $100:** $5 express fee for $50 advance
- **~$100 all-in estimate:** $7.66
- **Key notes:** Free trial available; Low Max; States: none (all 50 states + DC)
- **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.
- **Directory card:** https://overdraftapps.com/#app-atm-com-instant-cash
- **Full review:** https://overdraftapps.com/atm-instant-cash-app-review/
- **Details:**
  - Express fee: $5 flat for delivery within seconds. Standard delivery (a few days) is free.
  - Limits: About $25 for new users, up to $50 with usage.
  - Eligibility: Positive balance, linked debit card, 3+ direct deposits totaling $1,000+, account 60+ days old.
  - Extras: Also offers surveys, games, and cashback. 2-month trial per our review.
  - Store ratings: App Store 4.5 · Google Play 4.5
  - Excluded states: None - available in all 50 states and DC

### 25. OneBlinc — BlincAdvance

- **ODA score:** 8.2/10
- **Max advance:** Up to $250
- **Subscription fee:** $8.99/month
- **Express fee for $100:** $4.99 express fee for $100 advance*
- **~$100 all-in estimate:** $10.98
- **Summary:** Advances start at $50 and grow to $250 with on-time repayment. Limits step up each subscription period when you repay on time.
- **Directory card:** https://overdraftapps.com/#app-oneblinc-blincadvance
- **Full review:** https://overdraftapps.com/oneblinc-app-review/
- **Details:**
  - Instant fee: OneBlinc describes only a 'small fee' for instant deposit; the $4.99 figure is our estimate. Standard deposit (2-3 days) is free.
  - Limits: Starts at $50, increasing each subscription period up to $250 with on-time repayments.
  - Cadence: Up to $250 every other week per OneBlinc.
  - Store ratings: App Store 4.8 · Google Play 4.6
  - Our $100 cost estimate: About $10.98 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).

### 26. Super.com — Cash Advance

- **ODA score:** 8.2/10
- **Max advance:** Up to $250
- **Subscription fee:** $15/month
- **Express fee for $100:** $4.99 express fee for $100 advance*
- **~$100 all-in estimate:** $14.99
- **Key notes:** Editor's Pick; High Subscription Fee
- **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.
- **Directory card:** https://overdraftapps.com/#app-super-com-cash-advance
- **Full review:** https://overdraftapps.com/super-com-review/
- **Details:**
  - Express fee: Not disclosed up front. Super.com's page says only a 'small fee' for 1-business-day delivery, and the $4.99 figure is our estimate. Standard ACH (2-3 days) is free.
  - Subscription: $15/month Super+ is required, and trial members are excluded - paying members only.
  - Eligibility: Linked bank account with positive balance, recurring income, and a valid debit card.
  - Store ratings: App Store 4.7 · Google Play 4.6
  - Our $100 cost estimate: About $14.99 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).

### 27. Vansi — Bridge-a-Gap (BaG) Cash Advance

- **ODA score:** 8.2/10
- **Max advance:** Up to $200
- **Subscription fee:** $17.31/month
- **Express fee for $100:** No express fee
- **~$100 all-in estimate:** $11.54
- **Key notes:** High Subscription Fee; States: CA; CT; NV; MD; UT; KS; MO; SC; WI; IN; MA; DC
- **Summary:** No Social Security number needed. Billed $7.99 every two weeks, which works out to about $17.31 a month. Transfers are free.
- **Directory card:** https://overdraftapps.com/#app-vansi-bridge-a-gap-bag-cash-advance
- **Full review:** https://overdraftapps.com/vansi-review/
- **Details:**
  - Billing: $7.99 every two weeks (about $17.31/month). It auto-renews until you cancel in-app or by email.
  - Transfers: $0 transfer fee is included in the membership.
  - Limits: Starts at $20 and grows to $200 with account history.
  - Heads up: Still listed as 'Credit Convey' in the app stores - Vansi is a rebrand. No SSN required. Not available in CA, CT, NV, MD, UT, KS, MO, SC, WI, IN, MA, DC.
  - Store ratings: App Store 4.7 · Google Play 4.3
  - Our $100 cost estimate: About $11.54 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Excluded states: CA, CT, NV, MD, UT, KS, MO, SC, WI, IN, MA, DC

### 28. Step — EarlyPay

- **ODA score:** 8.1/10
- **Max advance:** Up to $250
- **Subscription fee:** No Subscription Fee
- **Express fee for $100:** 5.5% express fee (Step Spending only)
- **~$100 all-in estimate:** $5.50
- **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.
- **Directory card:** https://overdraftapps.com/#app-step-earlypay
- **Full review:** https://overdraftapps.com/step-app-review/
- **Details:**
  - Where the money goes: Step Spending account only. No transfers to external banks.
  - Instant fee: 5.5% of the advance, charged at repayment. Free standard delivery takes about 3 business days.
  - Limits: $20-$250; amounts over $100 require a qualifying direct deposit to Step.
  - Ownership: Beast Industries (MrBeast) acquired Step in February 2026.
  - Late fee: A late fee may apply if payment is more than 2 days late - most apps in this category have none.
  - Store ratings: App Store 4.7 · Google Play 4.4

### 29. Cashli — Cash Advance

- **ODA score:** 8/10
- **Max advance:** Up to $150
- **Subscription fee:** $3.88/month
- **Express fee for $100:** $4.99 express fee for $100 advance*
- **~$100 all-in estimate:** $7.58
- **Key notes:** Free trial available; App solicits tips; Asks for Tips; States: CT; MD; DC; NV
- **Summary:** Android only. Everyone pays the $3.88 monthly platform fee, and the first month is not refundable. Tips are optional.
- **Directory card:** https://overdraftapps.com/#app-cashli-cash-advance
- **Full review:** https://overdraftapps.com/cashli-review/
- **Details:**
  - Same-day fee: Cashli confirms a fee exists but does not publish the amount. The $4.99 figure is our estimate. Standard delivery (a couple of business days) is free.
  - Platform fee: $3.88/month for everyone. The first month is explicitly non-refundable and non-cancellable; later months can be paused in-app.
  - Typical advance: Most new users start at $20-$40.
  - Restrictions: Google Play only. Does not work with Chime, Varo, Go2Bank, or Current. Not available in CT, MD, DC, NV.
  - Store ratings: Google Play 3.8
  - Our $100 cost estimate: About $7.58 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Excluded states: CT, MD, DC, NV

### 30. Credit Genie — Cash Boost

- **ODA score:** 7.9/10
- **Max advance:** Up to $150
- **Subscription fee:** $9.99/month
- **Express fee for $100:** $4.99 express fee for $100 advance*
- **~$100 all-in estimate:** $11.65
- **Key notes:** Editor's Pick; High Subscription Fee; States: CT; MD; NV; HI; DC; WI
- **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.
- **Directory card:** https://overdraftapps.com/#app-credit-genie-cash-boost
- **Full review:** https://overdraftapps.com/credit-genie-review/
- **Details:**
  - Subscription: $9.99/month membership (replaced the older biweekly bank connection fee in March 2026). Required for Cash Boost and related features.
  - Express fee: Express (~1 day) and Instant (~30 min) dollar fees appear only at checkout. The $4.99 figure is our estimate. Standard (1-3 business days) is free.
  - Typical advance: First-time average $68; repeat average $94, up to $150.
  - Store ratings: App Store 4.8 · Google Play 4
  - Our $100 cost estimate: About $11.65 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Excluded states: CT, MD, NV, HI, DC, WI

### 31. Rocco — Cash Advance

- **ODA score:** 7.7/10
- **Max advance:** Up to $100
- **Subscription fee:** $8.99/month
- **Express fee for $100:** $7.99 express fee for $100 advance
- **~$100 all-in estimate:** $13.98
- **Key notes:** App solicits tips; Asks for Tips; Low Max; States: CA; CT; MO; DC; NV
- **Summary:** Android only. Most people get $20 to $100. Tips are optional and you can skip them.
- **Directory card:** https://overdraftapps.com/#app-rocco-cash-advance
- **Full review:** https://overdraftapps.com/rocco-app-review/
- **Details:**
  - Express fee: $2.99-$7.99 for delivery in about 20 minutes, charged at repayment. We show the top of the range. Standard (about 2 business days) is free.
  - Subscription: Up to $8.99/month, required for advances.
  - Platform: Google Play only - there is no iPhone app.
  - Store ratings: Google Play 3.7
  - Our $100 cost estimate: About $13.98 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Excluded states: CA, CT, MO, DC, NV

### 32. Grid Money — Advance

- **ODA score:** 7.6/10
- **Max advance:** Up to $200
- **Subscription fee:** $10/month
- **Express fee for $100:** $5.99 express fee for $100 advance*
- **~$100 all-in estimate:** $12.66
- **Key notes:** High Subscription Fee
- **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.
- **Directory card:** https://overdraftapps.com/#app-grid-money-advance
- **Full review:** https://overdraftapps.com/grid-money-review/
- **Details:**
  - Express fee: Not disclosed on Grid's pricing page; the fee appears in the app flow. The $5.99 figure is our estimate.
  - Limits: Marketing says up to $200, but Grid's terms cap the first advance at $50 and later advances at $100.
  - Subscription: $10/month Grid+ is required for advances. The free tier covers PayBoost only.
  - Draws: One advance at a time.
  - Store ratings: App Store 4.6 · Google Play 3.9
  - Our $100 cost estimate: About $12.66 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).

### 33. Beem — Everdraft™

- **ODA score:** 5.6/10
- **Max advance:** Up to $1,000
- **Subscription fee:** From $1.99/month
- **Express fee for $100:** $4 express fee for $100 advance
- **~$100 all-in estimate:** $8.66
- **Key notes:** States: none (all 50 states + DC)
- **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.
- **Directory card:** https://overdraftapps.com/#app-beem-everdraft
- **Full review:** https://overdraftapps.com/beem-app-review/
- **Details:**
  - Plans: Lite $1.99/month ($10 max, $0.99 instant) / Basic $3.99 ($50 max, $4 instant) / Plus $6.99 ($100 max, $4 instant) / Pro $13.99 ($1,000 max, instant fee not disclosed).
  - For $100: You need the Plus plan: $6.99/month plus a $4 express fee.
  - Bundle: Subscription also includes job-loss and life insurance benefits.
  - Draws: One advance at a time until repaid.
  - Store ratings: App Store 4.1 · Google Play 3
  - Our $100 cost estimate: About $8.66 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).
  - Excluded states: None - available in all 50 states and DC

### 34. FrontPay — Cash Advance

- **ODA score:** 5.6/10
- **Max advance:** Up to $100
- **Subscription fee:** $14.99/month
- **Express fee for $100:** $5.99 express fee for $100 advance*
- **~$100 all-in estimate:** $15.98
- **Key notes:** Free trial available; High Subscription Fee; Website Only
- **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.
- **Directory card:** https://overdraftapps.com/#app-frontpay-cash-advance
- **Full review:** https://overdraftapps.com/frontpay-review/
- **Details:**
  - Express fee: Not shown on the public site; it appears only when you apply. The $5.99 figure is our estimate. Standard delivery is free within about 12 hours of approval.
  - Subscription: $14.99/month for a max $100 advance - the highest cost-to-limit ratio in this directory.
  - Eligibility: Needs 3+ recurring direct deposits of $400 or more.
  - Platform: Website only (joinfrontpay.com). No app required. Beware of a similarly named, unrelated App Store app.
  - Our $100 cost estimate: About $15.98 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).

### 35. Gerald — Cash Advance

- **ODA score:** 5.5/10
- **Max advance:** Up to $200
- **Subscription fee:** No Subscription Fee
- **Express fee for $100:** No express fee
- **~$100 all-in estimate:** $10.00
- **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.
- **Directory card:** https://overdraftapps.com/#app-gerald-cash-advance
- **Full review:** https://overdraftapps.com/gerald-wallet-app-review/
- **Details:**
  - How it works: You must make a Buy Now Pay Later purchase in Gerald's in-app store before the cash advance unlocks. Part of your advance comes as store credit, not cash.
  - Store prices: Gerald's store prices run well above retail (our review found a Red Bull 24-pack at $65.90 vs about $39 elsewhere).
  - Fees: The cash portion transfers free, instant for supported banks.
  - Complaints: High volume of BBB complaints about missing store deliveries and cash portions.
  - Store ratings: App Store 4.3 · Google Play 4.3
  - Our $100 cost estimate: About $10.00 all-in for a $100 express advance (express fee plus your monthly fee spread across a typical 1.5 advances per month).

## Per-app review pages

- [Tilt](https://overdraftapps.com/tilt-cash-advance/) — directory card: https://overdraftapps.com/#app-tilt-cash-advance
- [Upstart](https://overdraftapps.com/upstart-cash-line-review/) — directory card: https://overdraftapps.com/#app-upstart-cash-line
- [Brigit](https://overdraftapps.com/brigit-app-review/) — directory card: https://overdraftapps.com/#app-brigit-instant-cash
- [MoneyLion](https://overdraftapps.com/moneylion-reviews/) — directory card: https://overdraftapps.com/#app-moneylion-instacash
- [Chime](https://overdraftapps.com/chime-mypay-review/) — directory card: https://overdraftapps.com/#app-chime-mypay
- [Current](https://overdraftapps.com/current-app-review/) — directory card: https://overdraftapps.com/#app-current-paycheck-advance
- [EarnIn](https://overdraftapps.com/earnin-app/) — directory card: https://overdraftapps.com/#app-earnin-cash-out
- [Grant](https://overdraftapps.com/grant-app-review/) — directory card: https://overdraftapps.com/#app-grant-cash-advance
- [Self](https://overdraftapps.com/self-lender-review/) — directory card: https://overdraftapps.com/#app-self-self-cash
- [Dave](https://overdraftapps.com/dave-app/) — directory card: https://overdraftapps.com/#app-dave-extracash
- [Upgrade](https://overdraftapps.com/upgrade-app-review/) — directory card: https://overdraftapps.com/#app-upgrade-boostcash
- [Albert](https://overdraftapps.com/albert-app-review/) — directory card: https://overdraftapps.com/#app-albert-albert-instant
- [Earnifi](https://overdraftapps.com/earnifi-review/) — directory card: https://overdraftapps.com/#app-earnifi-pay-advance
- [Varo](https://overdraftapps.com/varo-cash-advance/) — directory card: https://overdraftapps.com/#app-varo-varo-advance
- [B9](https://overdraftapps.com/b9-cash-advance-review/) — directory card: https://overdraftapps.com/#app-b9-b9-advance
- [Cleo](https://overdraftapps.com/cleo-app-review/) — directory card: https://overdraftapps.com/#app-cleo-cash-advance
- [FloatMe](https://overdraftapps.com/floatme-review/) — directory card: https://overdraftapps.com/#app-floatme-float
- [Vola Finance](https://overdraftapps.com/vola-finance-review/) — directory card: https://overdraftapps.com/#app-vola-finance-cash-advance
- [Experian](https://overdraftapps.com/experian-cash-review/) — directory card: https://overdraftapps.com/#app-experian-experian-cash
- [Klover](https://overdraftapps.com/klover-app-review/) — directory card: https://overdraftapps.com/#app-klover-balance-advance
- [Money App](https://overdraftapps.com/money-app-review/) — directory card: https://overdraftapps.com/#app-money-app-cash-advance
- [Possible Finance](https://overdraftapps.com/possible-finance-review/) — directory card: https://overdraftapps.com/#app-possible-finance-possible-advance
- [True Finance](https://overdraftapps.com/true-finance-review/) — directory card: https://overdraftapps.com/#app-true-finance-cash-advance
- [ATM.com](https://overdraftapps.com/atm-instant-cash-app-review/) — directory card: https://overdraftapps.com/#app-atm-com-instant-cash
- [OneBlinc](https://overdraftapps.com/oneblinc-app-review/) — directory card: https://overdraftapps.com/#app-oneblinc-blincadvance
- [Super.com](https://overdraftapps.com/super-com-review/) — directory card: https://overdraftapps.com/#app-super-com-cash-advance
- [Vansi](https://overdraftapps.com/vansi-review/) — directory card: https://overdraftapps.com/#app-vansi-bridge-a-gap-bag-cash-advance
- [Step](https://overdraftapps.com/step-app-review/) — directory card: https://overdraftapps.com/#app-step-earlypay
- [Cashli](https://overdraftapps.com/cashli-review/) — directory card: https://overdraftapps.com/#app-cashli-cash-advance
- [Credit Genie](https://overdraftapps.com/credit-genie-review/) — directory card: https://overdraftapps.com/#app-credit-genie-cash-boost
- [Rocco](https://overdraftapps.com/rocco-app-review/) — directory card: https://overdraftapps.com/#app-rocco-cash-advance
- [Grid Money](https://overdraftapps.com/grid-money-review/) — directory card: https://overdraftapps.com/#app-grid-money-advance
- [Beem](https://overdraftapps.com/beem-app-review/) — directory card: https://overdraftapps.com/#app-beem-everdraft
- [FrontPay](https://overdraftapps.com/frontpay-review/) — directory card: https://overdraftapps.com/#app-frontpay-cash-advance
- [Gerald](https://overdraftapps.com/gerald-wallet-app-review/) — directory card: https://overdraftapps.com/#app-gerald-cash-advance

Generated 2026-08-25 from apps_directory.json.