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Personal Loans Cash Advance

Borrow $50 Instantly With Cash Advance Apps

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, Empower, 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
Cost to get $50 in minutes
$3.99
SSN required?
Yes
Standard delivery speed
1–3 days
Max. advance
$750
4.9
Best for Overdraft Protection and Budget Coaching
Cost to get $50 in minutes
$11.001
SSN required?
Yes
Standard delivery speed
1 day
Max. advance
$300
4.7
Best for Small Advances and Side Hustle Matching
Cost to get $50 in minutes
$6.001
SSN required?
Yes
Standard delivery speed
1–3 days
Max. advance
$500
4.7
Cost to get $50 in minutes
$10.981
SSN required?
No
Standard delivery speed
1–3 days
Max. advance
$250
4.6
Best for Earning Larger Advances Over Time
Cost to get $50 in minutes
$3.991, 2
SSN required?
Yes
Standard delivery speed
1–5 days
Max. advance
$1,000
4.4
Cost to get $50 in minutes
$14.981
SSN required?
Yes
Standard delivery speed
2–3 days
Max. advance
$250
4.4
Best for Stacking Multiple Small Advances
Cost to get $50 in minutes
Varies
SSN required?
Yes
Standard delivery speed
1–3 days standard, instant
Max. advance
$750
4.1
Cost to get $50 in minutes
$10.981
SSN required?
No
Standard delivery speed
3 – 4 days
Max. advance
$250
4.0
Cost to get $50 in minutes
$8.991
SSN required?
No
Standard delivery speed
1 – 3 days
Max. advance
$100
3.9
Best for No-Fee Advances (If You Qualify)
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
Table of Contents

EarnIn

Early Paycheck Access W/ No Fees

4.9 /5

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 – $5.99
No-fee funding time1 – 3 business days
Loan amounts$50 – $750

Empower

Overdraft Protection and Budget Coaching

4.7 /5

Why we picked it

To borrow $50 from 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. 

Empower 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*$11
No-fee funding time1 business day
Loan amounts$10 – $300
*Includes monthly membership fee

Dave

Small Advances and Side Hustle Matching

4.7 /5

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 days
Loan amounts$5 – $500
*Includes monthly membership fee

Brigit

4.6 /5

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 – $14.99
No-fee funding time2 – 3 business days
Loan amounts$50 – $250
*Includes monthly membership fee

MoneyLion

Earn Larger Advances Over Time

4.4 /5

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 days
Loan amountsUp to $100 for external accounts, or up to $1,000 with a RoarMoney account and qualifying recurring direct deposits.

Albert

4.4 /5

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 – $19.98
No-fee funding time1 – 3 business days
Loan amountsUp to $250
*Includes monthly membership fee

Current

Stack Multiple Small Advances

4.1 /5

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 it
No-fee funding time1 – 3 days
Loan amounts$50 – $500

Cleo

4.0 /5

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 – $24.98
No-fee funding time3 – 4 days
Loan amountsUp to $250
*Includes monthly membership fee

FloatMe

3.9 /5

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 – $10.99
No-fee funding time1 – 3 days
Loan amountsUp to $100
*Includes monthly membership fee

Klover

No-Fee Advances (If You Qualify)

3.6 /5

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 $16.78
No-fee funding time1 business day
Loan 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®
Erin Kinkade , CFP®, ChFC®

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.
  • Empower 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 for
Buy now, pay laterPurchasing goods or services now
Credit cardRevolving credit for purchases
Friend or family loanInterest-free short-term loan
Payday 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®
Erin Kinkade , CFP®, ChFC®

Recap of cash apps to borrow $50 instantly

Best for Early Paycheck Access Without Fees
Cost to get $50 in minutes
$3.99
SSN required?
Yes
Standard delivery speed
1–3 days
Max. advance
$750
4.9
Best for Overdraft Protection and Budget Coaching
Cost to get $50 in minutes
$11.001
SSN required?
Yes
Standard delivery speed
1 day
Max. advance
$300
4.7
Best for Small Advances and Side Hustle Matching
Cost to get $50 in minutes
$6.001
SSN required?
Yes
Standard delivery speed
1–3 days
Max. advance
$500
4.7
Cost to get $50 in minutes
$10.981
SSN required?
No
Standard delivery speed
1–3 days
Max. advance
$250
4.6
Best for Earning Larger Advances Over Time
Cost to get $50 in minutes
$3.991, 2
SSN required?
Yes
Standard delivery speed
1–5 days
Max. advance
$1,000
4.4
Cost to get $50 in minutes
$14.981
SSN required?
Yes
Standard delivery speed
2–3 days
Max. advance
$250
4.4
Best for Stacking Multiple Small Advances
Cost to get $50 in minutes
Varies
SSN required?
Yes
Standard delivery speed
1–3 days standard, instant
Max. advance
$750
4.1
Cost to get $50 in minutes
$10.981
SSN required?
No
Standard delivery speed
3 – 4 days
Max. advance
$250
4.0
Cost to get $50 in minutes
$8.991
SSN required?
No
Standard delivery speed
1 – 3 days
Max. advance
$100
3.9
Best for No-Fee Advances (If You Qualify)
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