Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Personal Loans Cash Advance Borrow $50 Instantly With Cash Advance Apps Updated Aug 13, 2025 12-min read Expert Approved Expert Approved This article has been reviewed by a Certified Financial Planner™ for accuracy. Written by Sarah Li Cain Written by Sarah Li Cain Expertise: Personal loans, home loans, insurance planning, banking, small business Learn more about Sarah Li Cain Reviewed by Erin Kinkade, CFP® Reviewed by Erin Kinkade, CFP® Expertise: Insurance planning, education planning, retirement planning, investment planning, military benefits, behavioral finance Erin Kinkade, CFP®, ChFC®, works as a financial planner at AAFMAA Wealth Management & Trust. Erin prepares comprehensive financial plans for military veterans and their families. Learn more about Erin Kinkade, CFP® Whether you’re facing an unexpected bill or just running low before payday, cash advance apps can help you get quick cash. Need $50, like, right now? EarnIn offers a free, instant cash advance of up to $100 to all qualifying first-time users. Apps like EarnIn, Tilt, and Dave offer instant access to up to $50 (or more), with no credit check and minimal fees. Some let you get your money in minutes if you’re a new user. Below, we rank the best $50 cash advance apps by cost, speed, and features, so you can find the fastest, cheapest option for your situation. Best for Early Paycheck Access Without Fees 4.9 Get Cash Get Cash Cost to get $50 in minutes $3.99 SSN required? Yes Standard delivery speed 1–3 days Max. advance $750 4.9 Get Cash Best for Overdraft Protection and Budget Coaching 4.7 Get Cash Get Cash Cost to get $50 in minutes $11.001 SSN required? Yes Standard delivery speed 1 day Max. advance $300 4.7 Get Cash Best for Small Advances and Side Hustle Matching 4.7 Get Cash Get Cash Cost to get $50 in minutes $6.001 SSN required? Yes Standard delivery speed 1–3 days Max. advance $500 4.7 Get Cash 4.6 Get Cash Get Cash Cost to get $50 in minutes $10.981 SSN required? No Standard delivery speed 1–3 days Max. advance $250 4.6 Get Cash Best for Earning Larger Advances Over Time 4.4 Get Cash Get Cash Cost to get $50 in minutes $3.991, 2 SSN required? Yes Standard delivery speed 1–5 days Max. advance $1,000 4.4 Get Cash 4.4 Get Cash Get Cash Cost to get $50 in minutes $14.981 SSN required? Yes Standard delivery speed 2–3 days Max. advance $250 4.4 Get Cash Best for Stacking Multiple Small Advances 4.1 Get Cash Get Cash Cost to get $50 in minutes Varies SSN required? Yes Standard delivery speed 1–3 days standard, instant Max. advance $750 4.1 Get Cash 4.0 Get Cash Get Cash Cost to get $50 in minutes $10.981 SSN required? No Standard delivery speed 3 – 4 days Max. advance $250 4.0 Get Cash 3.9 Get Cash Get Cash Cost to get $50 in minutes $8.991 SSN required? No Standard delivery speed 1 – 3 days Max. advance $100 3.9 Get Cash 3.6 Get Cash Get Cash Cost to get $50 in minutes $1.99 – $16.78 SSN required? No Standard delivery speed 1–5 days standard or instant Max. advance $200 3.6 Get Cash Table of Contents EarnIn Tilt Dave Brigit MoneyLion Albert Current Cleo FloatMe Klover FAQ EarnIn Early Paycheck Access W/ No Fees 4.9 /5 Get Cash Why we picked it EarnIn offers “Cash Out” advances, allowing you to access $50 or more of your earnings ahead of your next paycheck. To get started, you’ll need to link your bank account and provide your employer email to verify a steady income. You can borrow up $150 maximum daily and up to $750 maximum per pay period, depending on your earnings. EarnIn doesn’t charge any mandatory fees if you choose a standard transfer; just tip what you think is fair (or don’t tip) and the funds typically arrive within one to three business days. For instant access, EarnIn charges a Lightning Speed fee starting at $2.99 per transfer to a deposit account or $3.99 for cash-out transfers. If you’re using the EarnIn Card, fees can vary based on your direct deposit setup, with a $5.99 fee for cash-only transfers without a qualifying deposit. No mandatory fees Fast access to funds No credit check Balance Shield Alerts Requests tips Maximum of $150 per day Lightning Speed fee$2.99 – $5.99No-fee funding time1 – 3 business daysLoan amounts$50 – $750 Tilt Overdraft Protection and Budget Coaching 4.7 /5 Get Cash Why we picked it To borrow $50 from Tilt (formerly Empower), connect your bank account and see how much you qualify to borrow. Once you approve the amount, choose between instant or standard transfer. You’ll repay it automatically out of your next paycheck. Tilt charges an $8 monthly membership fee, which includes a whole host of money management tools and reimbursement for any overdraft fees if your repayment causes your bank account to overdraft. The amount you qualify for is based on your banking activity. You can choose from the standard transfer (within one business day) or pay a $3 fee to get funds as fast as one hour. You can sign up for a 14-day trial to see whether it’s for you. Financial management tools included Instant access to funds No credit check AutoSave feature Monthly subscription fee Instant access fees can be high Instant access fee*$11No-fee funding time1 business dayLoan amounts$10 – $300*Includes monthly membership fee Dave Small Advances and Side Hustle Matching 4.7 /5 Get Cash Why we picked it Dave allows you to borrow up to $500, but it’s especially accessible for a smaller amount like $50. The app charges a $1 monthly subscription fee and express transfer fees ranging from $3 to $15 for Dave Checking accounts and $5 to $25 for external bank accounts. These fees vary based on the amount you borrow and how soon you want the funds. Dave stands out for its budgeting tools and ability to help you avoid overdraft fees, making it a suitable choice for those who occasionally need a small, quick cash boost. However, if you’re looking to minimize fees, it might not be the cheapest option for a $50 loan compared to alternatives (such as EarnIn), and in 2024 it received an FTC complaint for misleading marketing. While Dave has taken swift action to correct their practices, we think it is worth noting. No interest or late fees No credit check required High maximum limit of $500 Reports repayment to the 3 major credit bureaus Instant access fee*$4 – $26 ($3 – $15 for Dave Checking accounts; $5 – $25 for external bank accounts)No-fee funding time2 – 3 daysLoan amounts$5 – $500*Includes monthly membership fee Brigit 4.6 /5 Get Cash Why we picked it With Brigit, you can download the app, sign up for a monthly plan, and connect your bank account. As soon as you’re approved, you can request an advance and select your repayment date. Brigit lets you borrow up to $250 once your account is approved and you’ve signed up for a monthly plan. The app has a free tier, but it won’t allow you to access instant transfers. You can choose between a Plus membership ($8.99 monthly) and a Premium membership ($14.99 monthly). Once approved, you can request a cash advance. Overdraft protection Budgeting tools included No credit check Credit monitoring Monthly subscription fee Maximum advance of $250 Instant access fee*$10.98 – $14.99No-fee funding time2 – 3 business daysLoan amounts$50 – $250*Includes monthly membership fee MoneyLion Earn Larger Advances Over Time 4.4 /5 Get Cash Why we picked it MoneyLion allows you to request Instacash after verifying your identity and linking your bank account. Just select the amount you want and agree to any applicable fees. You must repay it by your next paycheck. Standard transfers are free. The optional Turbo delivery fee depends on the amount you borrow and whether you want the money transferred to a MoneyLion or an external account. To borrow $50, it costs $3.99 to transfer it to a MoneyLion account and $5.99 to an external account. Higher cash advance limits Additional financial services available No credit check Lower fees and higher cash advance limits with RoarMoney account and qualifying recurring direct deposits Fees for instant access Requires bank account linkage Instant access fee$3.99 (MoneyLion account) or $5.99 (external account)No-fee funding time1 – 5 business daysLoan amountsUp to $100 for external accounts, or up to $1,000 with a RoarMoney account and qualifying recurring direct deposits. Albert 4.4 /5 Get Cash Why we picked it Albert provides cash advances of up to $250. The app charges a $4.99 fee for instant access, in addition to monthly fees of $9.99 or $14.99, depending on which plan you select. Albert also includes budgeting, automatic savings, and subscription tracking tools, offering a more comprehensive financial management solution than some other cash advance apps. However, while the app’s cash advance service is helpful for small, short-term needs, its membership fee may not be ideal for those seeking a cost-free option. This app can be a valuable choice for users who can benefit from the full suite of financial tools Albert offers, but if you only need a one-time advance, you might consider other alternatives. Budget, bank, save, and invest all in one app Cashback-earning debit card Investing support for beginners 30-day free trial Instant access fee*$14.98 – $19.98No-fee funding time1 – 3 business daysLoan amountsUp to $250*Includes monthly membership fee Current Stack Multiple Small Advances 4.1 /5 Get Cash Why we picked it Current allows users to get multiple advances in a single pay period, with a maximum funding amount of $500. Once you qualify with Current, you can request a cash advance and agree to pay the instant fee. You’ll pay back what you owe by your next paycheck. After signing up for a Current checking account, you can see whether you qualify for a cash advance. If so, you can request one and choose to make a standard or instant transfer. You’ll be notified of the fee beforehand. Multiple advances in a pay period No credit check Includes premium account features Budgeting and tracking tools Monthly fee Instant access fee not disclosed Instant access feeCharges a fee but doesn’t disclose itNo-fee funding time1 – 3 daysLoan amounts$50 – $500 Cleo 4.0 /5 Get Cash Why we picked it Cleo offers cash advances of up to $250. To access cash advances, you must subscribe for $5.99 or $14.99 per month, depending on the plan. Instant transfer fees can range from $3.99 to $9.99, depending on the amount and speed required. Cleo also provides budgeting tools, spending insights, and even a quirky AI chatbot to help you manage your money. It might be suitable for someone who needs a combination of quick cash and financial guidance, but the subscription fee can make it less appealing if you’re only looking for a one-time cash advance. No credit check Helpful money management tools Instant access fee*$9.98 – $24.98No-fee funding time3 – 4 daysLoan amountsUp to $250*Includes monthly membership fee FloatMe 3.9 /5 Get Cash Why we picked it FloatMe offers cash advances of up to $100 to help cover small, unexpected expenses without a credit check or interest charges. You’ll pay a membership fee of $3.99 per month. The fee structure is straightforward, with no hidden costs, and you can get your cash advance within 30 minutes with a fee of $3 to $7 for Instant Floats (but they aren’t truly instant). FloatMe also provides balance alerts and budgeting insights to help users manage their finances, but if you need more flexible options, other cash advance apps might be a better fit. No interest Fast funding In-app forecasting Instant access fee*$6.99 – $10.99No-fee funding time1 – 3 daysLoan amountsUp to $100*Includes monthly membership fee Klover No-Fee Advances (If You Qualify) 3.6 /5 Get Cash Why we picked it Klover lets you borrow up to $200 without a credit check, making it a convenient option for quick, small loans like a $50 advance. Klover’s fee-based structure can range up to $15.98, depending on the amount borrowed and how fast you need the funds. While the app advertises free advances, expedited transfers may incur fees, which vary based on the speed of delivery and your financial profile. Klover also offers financial management tools, such as budgeting assistance and rewards for sharing data, making it an appealing choice for users looking to build better financial habits. However, with fees potentially higher compared to several alternatives, Klover might not be the cheapest option if you frequently need a small cash advance. Qualify without a credit check Agree to share your data with the app instead of paying fees or interest (but instant transfer fees still apply) Instant access feeUp to $16.78No-fee funding time1 business dayLoan amounts$5 – $200 No matter which company you choose, make every effort to repay the loan in full and on time. If you can’t do it in one fell swoop, I advise not taking another loan until you repay the first one in full. Erin Kinkade , CFP®, ChFC® The 8 Best Cash Advance Apps to Borrow Money Instantly: 2025 Reviews FAQ How much does it cost to borrow $50 instantly? The cost to borrow $50 instantly varies by app. Here are the costs for several of our top-rated cash apps: With EarnIn, you’ll pay a flat fee between $2.99 and $5.99, depending on the amount you advance. MoneyLion charges $3.99 to transfer to a MoneyLion account or $5.99 to an external account. For Brigit, the fee ranges from $10.98 to $14.99, including a monthly membership fee. Tilt charges a flat fee of $11, which includes its $8 monthly subscription fee. These apps don’t charge interest, just the fees mentioned above. The amount you can borrow and the speed of access depend on your financial habits, income, and app-specific requirements. Choose the app that balances cost and speed based on your immediate needs. What is my best option to get $50 ASAP? If you need immediate money and have access to a cash advance app, these can be excellent options due to their fast funding times and minimal fees. We found that EarnIn was the lowest-cost app to borrow $50. Borrowing from a friend or family member is also quick and cost-effective if you have someone willing to help. Can I get a $50 without a bank account? It’s possible to get a $50 loan without a traditional bank account—some apps let you receive money in an in-app account, which you can transfer later. However, most apps require you to link a bank account to withdraw funds and repay from your next paycheck. Even when not required, many apps still review your banking activity to decide how much to lend. Other common requirements include: Employment: Proof of a full-time job or steady gig income. Income: Regular direct deposits or pay stubs to show repayment ability. Age: Must be 18+ and a U.S. citizen or resident. What are the best alternatives to get $50 quickly? Check out the table below for our recommended alternatives. MethodBest forBuy now, pay laterPurchasing goods or services nowCredit cardRevolving credit for purchasesFriend or family loanInterest-free short-term loanPayday loan [last resort only]High-interest short-term borrowing Can you borrow money from Venmo? Venmo does not offer traditional loans or cash advances. However, you can request money from friends or family through the Venmo app. If they agree to send you money, it will be available in your Venmo balance immediately. Venmo also has a Venmo Credit Card for purchases, but this requires an application and approval process similar to other credit cards. Can you borrow money from PayPal? PayPal offers several options for borrowing money. For personal users, PayPal Credit allows you to make purchases and pay for them over time with no interest if paid in full within six months on purchases of $99 or more. For business users, PayPal Working Capital provides business loans based on your PayPal sales history. However, PayPal does not offer direct personal loans or cash advances like the apps mentioned. First, ascertain whether the app is legitimate—the ones mentioned above are—and understand how repayment works. Also, discern whether the loan is for a need versus a want. Steer clear of taking out a loan for a want; only use them for urgent needs. Erin Kinkade , CFP®, ChFC® Recap of cash apps to borrow $50 instantly Best for Early Paycheck Access Without Fees 4.9 Get Cash Get Cash Cost to get $50 in minutes $3.99 SSN required? Yes Standard delivery speed 1–3 days Max. advance $750 4.9 Get Cash Best for Overdraft Protection and Budget Coaching 4.7 Get Cash Get Cash Cost to get $50 in minutes $11.001 SSN required? Yes Standard delivery speed 1 day Max. advance $300 4.7 Get Cash Best for Small Advances and Side Hustle Matching 4.7 Get Cash Get Cash Cost to get $50 in minutes $6.001 SSN required? Yes Standard delivery speed 1–3 days Max. advance $500 4.7 Get Cash 4.6 Get Cash Get Cash Cost to get $50 in minutes $10.981 SSN required? No Standard delivery speed 1–3 days Max. advance $250 4.6 Get Cash Best for Earning Larger Advances Over Time 4.4 Get Cash Get Cash Cost to get $50 in minutes $3.991, 2 SSN required? Yes Standard delivery speed 1–5 days Max. advance $1,000 4.4 Get Cash 4.4 Get Cash Get Cash Cost to get $50 in minutes $14.981 SSN required? Yes Standard delivery speed 2–3 days Max. advance $250 4.4 Get Cash Best for Stacking Multiple Small Advances 4.1 Get Cash Get Cash Cost to get $50 in minutes Varies SSN required? Yes Standard delivery speed 1–3 days standard, instant Max. advance $750 4.1 Get Cash 4.0 Get Cash Get Cash Cost to get $50 in minutes $10.981 SSN required? No Standard delivery speed 3 – 4 days Max. advance $250 4.0 Get Cash 3.9 Get Cash Get Cash Cost to get $50 in minutes $8.991 SSN required? No Standard delivery speed 1 – 3 days Max. advance $100 3.9 Get Cash Best for No-Fee Advances (If You Qualify) 3.6 Get Cash Get Cash Cost to get $50 in minutes $1.99 – $16.78 SSN required? No Standard delivery speed 1–5 days standard or instant Max. advance $200 3.6 Get Cash