Editor’s Note: Overdraft Apps provides detailed product reviews and recommendations based upon extensive research and our own hands-on testing. We may earn a referral fee when you sign up for or purchase products mentioned in this article.
Mitchel holds a Bachelors of Business Administration in Finance from The Goizeta School of Business at Emory University and a Masters of Business Administration from The Haas School of Business at The University of California.
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You just lost your job? Your kid has an unexpected medical emergency? You’re here because you need cash now! It’s ok, it happens to everyone. We can help. Let’s dive into it! We reviewed some of your options (including payday lenders which we don’t like) if you need quick cash.
Recommendation: it’s always good to make regular account balance check or save some money aside, for rain days, but we all know it’s not always easy. And we all know that banks charge super high fees when you overdraft. In many cases, using alternative solutions and overdraft apps protection will be much cheaper.
Need Cash Now reviews:
Lender: PockBox.com
Loan amount: $100-$2,500
Cost: Depends on the state
Availability: Next or same day
Convenience: 4.5 / 5
Lender: LoanSolo
Loan amount: $100-$1,000
Cost: Depends on the state
Availability: Same day
Convenience: 4 / 5
Lender: Avant
Loan amount: Up to $35,000
Cost: 9.95-35.99% APR
Availability: Next or same day
Convenience: 3.8 / 5
Lender: Cash Now app
Loan amount: $100-$1,000+
Cost: Up to 2,340% APR
Availability: Next or same day
Convenience: 2 / 5
Lender: Dave
Loan amount: Up to $75
Cost: $1/ month + $5 transaction fee
Availability: Next or same day
Convenience: 3 / 5
Lender: LendUp
Loan amount: $100-$1,000
Cost: Up to 1,000% APR
Availability: Next day usually
Convenience: 2.8 / 5
Lender: CashNetUsa
Loan amount: $100+
Cost: Depends on the state, but from 200% APR
Availability: Next day usually
Convenience: 1.5 / 5
Get a loan today with bad credit
Definitely possible! Many solutions are now available and can provide you cash even if you don’t have a credit score (or if you have a poor one). You will of course need to show other proof of stability, since the lender will want to make sure you are good to pay back. The lenders reviewed here provide cash to people with all types of credit scores. You may be able to borrow $50 or $100 instantly!
Get cash now with no bank account
If you need cash but you don’t have a bank account, it will be impossible to get cash through online platforms, at least with the companies we reviewed here.
You might need to go to offline sites (pawnshops) – we don’t recommended.
If you are out of the financial systems because you were hit by too many bank fees, you should know that there are solutions for you. Living with cash only can make your life quite difficult. More and more people are using prepaid card (you can have direct deposits on many of them) or alternatively change banks to online banks or banks with no fees.
In any case, we encourage you to have a bank account as we think it will contribute to your and your family financial wellness in the long-run.
Get cash now with no job
Can you get cash even if you don’t have a job? Yes! It is possible with Dave as long as you can show a direct deposit of at least $1,000 per month over the past few months. The good news is that because Dave connects directly to your bank account, it can pull and analyze your transactions history automatically. No need to do anything here.
For CashNetUsa, you will need to show employment for at least 1 month prior to the date you apply for a loan.
LendUp requires proof of employment depending on the states you live in. You will need to check on their website directly.
CashNow mentions that you don’t have to hold a job per say but you do have to show a regular source of income if you are not employed.
Free cash now
The Dave app is the closest thing to free cash. It cost $1 per month and in some cases a $5 transaction fee. Dave asks for tips but it’s 100% voluntary.
The other lenders reviewed here are not even close to provide free cash. You should know that nothing is really free!
WAIT! Why borrow quick cash when you can earn it?!
Cash advance apps can be a great tool for getting a little extra cash when you need it, but you’ll need to repay it – plus fees – wihtin a week or two. Did you know there’s an easy way to earn extra cash that’s yours to keep?
KashKick is a wildly popular service that lets you earn money for playing games, completing surveys, signing up for trial offers and more. (You’ll even earn cash for just completing your profile!) You can earn cash today and withdraw your earnings through PayPal once you’ve reached $10. You can earn over $100/month with KashKick – and you don’t need to spend a dime or take out your credit card to do it.
There are dozens of high-paying offers available on KashKick, and if you’re into playing new games on your phone, you can earn some serious cash for doing what you love. Though offers change regularly, there are currently1 more than three dozen offers available where you can earn cash – sometimes over $100 – just by downloading and playing popular games like Coin Master, Monoply Go, Bingo Blitz, and more. These games are all free to download, and no in-app purchases are required to earn with KashKick.
Get paid to play on your phone >>> Check out KashKick
Mitchel holds a Bachelors of Business Administration in Finance from The Goizeta School of Business at Emory University and a Masters of Business Administration from The Haas School of Business at The University of California.
- What Happens If You Can’t Repay a Cash Advance? Costs, Consequences, and How to Stop Automatic Repayments - January 28, 2025
- FloatMe Review – Simple $50 Cash Advances with Low Fees - January 22, 2025
- EarnIn App Review: The Easy Way to Get Cash Before Payday - December 12, 2024
- As of February 13, 2024. Offers may change and may not be available to all users. Eligibity requirements apply. See KashKick's Terms of Service for full details.
