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Updated July 2026.
Rocco’s express fee is charged when you repay, not when the money arrives, which flips the usual cash advance timing. The Android-only app can get most users up to $100 in about 20 minutes, but the Play Store rating (3.7) and a required subscription of up to $8.99/mo mean the fine print matters before you install.
What is Rocco?
Rocco Finance, Inc. operates an Android-only cash advance app focused on short-term liquidity between paychecks. There is no iPhone app. Alongside the advance feature, Rocco bundles credit-building alerts, overdraft notifications, and spending insights into the subscription.
Rocco Cash Advance at a glance
- Max advance: $100
- Typical amount: $20 to $100 (a small share qualify for the full $100)
- Subscription: Up to $8.99/mo (required for advance access; Play Store disclosures use “up to” rather than a single fixed homepage price)
- Express fee: $2.99 to $7.99 for delivery in about 20 minutes; charged at repayment
- Standard delivery: About 2 business days, free
- Tips: Optional (0 to 20% of advance amount)
- Platform: Google Play only, no iOS app
- Google Play rating: 3.7
Fees: what Rocco actually costs
Rocco charges in two ways: a monthly subscription and an optional express delivery fee.
The subscription runs up to $8.99 per month and is required to access advances. It also covers credit-building and spending tools. The express fee is $2.99 to $7.99, depending on the advance amount, and is only charged if you choose the faster option. It is collected at repayment, not upfront. Standard delivery (about 2 business days) costs nothing extra.
Tips are entirely optional. You can set the tip to $0 at the time of the request. Rocco’s terms confirm tips range from 0 to 20% of the advance amount.
On a $100 advance with express delivery, the all-in cost is roughly $13.98 when the monthly fee is spread across about 1.5 advances per month. That is on the higher end for a $100 limit.
How Rocco Cash Advance works
Download the Rocco app from Google Play and create an account. You will need to connect your bank account. Rocco evaluates your deposit history to determine your starting advance limit, which begins at $20 for most new users and can grow toward $100 over time.
Once approved, you choose standard or express delivery. Standard lands in about 2 business days at no extra charge. Express arrives in roughly 20 minutes for a fee of $2.99 to $7.99. Repayment is automatic on your next payday. Rocco is non-recourse, meaning the advance is not considered a traditional loan.
Rocco is not available in California, Connecticut, Missouri, the District of Columbia, or Nevada. If you are in one of those states, check the directory for alternatives.
Ready to try Rocco? The app is free to download on Android.
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Browse the DirectoryWho Rocco is best for
Best for
Android users who want a small advance (up to $100) with optional tips and no mandatory interest, and who are comfortable with a monthly subscription fee.
Not ideal for
iPhone users (no iOS app), anyone in CA, CT, MO, DC, or NV, or users who want advances above $100.
Watch our Rocco review
Frequently asked questions
Is Rocco available on iPhone?
No. Rocco is a Google Play-only app. There is no iOS App Store listing. iPhone users need a different app.
How much can I get from Rocco?
Most users get between $20 and $100. A small portion qualify for the full $100 limit. Your limit can grow over time based on account history.
Do I have to leave a tip?
No. Tips are optional and range from 0 to 20% of the advance amount. You can set the tip to $0 when requesting an advance.
What does Rocco cost per month?
The subscription is described as up to $8.99 per month in the Play Store. It is required to access advances and also covers credit-building and spending tools.
Which states does Rocco not serve?
Rocco is not available in California, Connecticut, Missouri, the District of Columbia, or Nevada. Confirm your eligibility in the app before subscribing.
