Personal Loans Cash Advance Money App Cash Advance: 2026 Review 2 people contribute to this content Written by Taylor Milam-Samuel Written by Taylor Milam-Samuel Expertise: Student loans, debt, budgeting, tax relief, home equity, personal loans, auto loans Taylor Milam-Samuel is a personal finance writer and credentialed educator who is passionate about helping people take control of their finances and create a life they love. When she's not researching financial terms and conditions, she can be found in the classroom teaching. Learn more about Taylor Milam-Samuel Edited by Kristen Barrett, MAT Edited by Kristen Barrett, MAT Expertise: Student loans, mortgages, personal loans, home equity, investing Kristen Barrett is a managing editor at LendEDU. She lives in Cincinnati, Ohio, with her wife and their three senior rescue dogs. She has edited and written personal finance content since 2015. Learn more about Kristen Barrett, MAT Written by Taylor Milam-Samuel Written by Taylor Milam-Samuel Expertise: Student loans, debt, budgeting, tax relief, home equity, personal loans, auto loans Taylor Milam-Samuel is a personal finance writer and credentialed educator who is passionate about helping people take control of their finances and create a life they love. When she's not researching financial terms and conditions, she can be found in the classroom teaching. Learn more about Taylor Milam-Samuel Edited by Kristen Barrett, MAT Edited by Kristen Barrett, MAT Expertise: Student loans, mortgages, personal loans, home equity, investing Kristen Barrett is a managing editor at LendEDU. She lives in Cincinnati, Ohio, with her wife and their three senior rescue dogs. She has edited and written personal finance content since 2015. Learn more about Kristen Barrett, MAT show more Jan 02, 2026 Need cash, like, right now? EarnIn lets eligible users access up to $300 from their earned wages with no interest or mandatory fees.¹ First-time users may be eligible for expedited funding at no cost.² A pay period is the time between your paychecks, such as weekly, biweekly, or monthly. EarnIn determines your daily and pay period limits (“Daily Max” and “Pay Period Max”) based on your income and financial risk factors as outlined in the Cash Out Maxes section of our Cash Out User Agreement. EarnIn reserves the right to adjust the Daily Max and Pay Period Max at its discretion. Your actual Daily Max will be displayed in your EarnIn account before each Cash Out.EarnIn does not charge interest on Cash Outs or mandatory fees for standard transfers, which usually take 1-2 business days. For faster transfers, you can choose the Lightning Speed option and pay a fee to receive funds within 30 minutes. Lightning Speed may not be available at all times and/or to all customers. Restrictions and terms apply; see the Lightning Speed Fee Table and Cash Out User Agreement for details and eligibility requirements. Tips are optional and do not affect the quality or availability of services.Lightning Speed is an optional service that allows you to expedite the transfer of funds for a fee. Depending on the product, the fee may be charged by EarnIn or its banking partner. Lightning Speed may not be available in all states and/or to all customers. Restrictions and terms apply. See the Lightning Speed Fee Table for details. Get Cash Our take: Money App cash advance stands out with transparent pricing for instant delivery and no required fees. However, the app can be glitchy, and it isn’t available in every state. We suggest checking out our top-rated cash advance app options before choosing Money App. Cash Advance No mandatory fees Fast signup Transparent pricing Not available in every state Low borrowing limit Frequent technology glitches Funding$25 – $250Speed of advance3 business days (Instant with a fee)Subscription feesNoneInstant funding fees$4.99 – $18.99 Money App is a cash advance app that lets you borrow money quickly for a fee, or for free if you can wait a few days. It isn’t on our list of top cash advance apps, mostly because its technology can be unreliable. Still, it could be worth trying if you can get through the verification process. Here’s what to know. Table of Contents How Money App works No hidden fees No credit check Transparent and secure Express delivery Costs and fees Pros and cons Is it legit? Customer reviews Alternatives vs. EarnIn vs. Tilt vs. Dave How Money App works Money App is free to use, but you’ll need to wait three business days for the money to hit your account. If you need cash right away, it costs up to $18.99. It’s similar to other cash advance options like EarnIn, Dave, and Tilt, but it doesn’t have the same name recognition, especially since people confuse it with Cash App. Most users can’t borrow the maximum amount of $250 right away. You typically must borrow a lower amount a few times before Money App approves you for more. Stick to the repayment agreement, and make sure you have a paycheck direct deposit set up for the bank account you link. TermDetailsAdvance amounts$25 – $250Interest rateNoneFees$0 monthly fee; $4.99 – $18.99 optional fast funding feeRepayment timeVaries (often your next payday)Funding time w/ feeInstantFunding time w/o fee3 business days Money App lists these cash advance features on its homepage. No hidden fees Money App keeps pricing straightforward. You don’t have to pay anything to use the app or get a cash advance. There’s an optional fee for faster delivery. The cost depends on the size of your cash advance, and it’s quite expensive for every amount. No credit check You won’t undergo a credit check to get a cash advance from Money App. So your credit score doesn’t affect whether you can borrow money, but that’s standard for all cash apps. The companies use your income and employment to figure out whether you’re eligible. Transparent and secure You don’t need to set up a payment or share extra personal details with other companies to repay your cash advance. Money App will automatically take the repayment from your checking account on the date you choose for direct deposit, or when there’s enough money in your linked account. Express delivery If you want your advance sooner, you can pay for Express Delivery. The company charges instant transfer fees: Cash advance amountExpedited fee$25$4.99$50$7.99$75$9.99$100$12.99$125$13.99$150$14.99$175$15.99$200$16.99$225$17.99$250$18.99Fees in December 2025. Costs and fees Using Money App for a cash advance is free. There are no membership fees, late fees, or interest charges. Many other cash advance apps charge membership fees, so Money App’s no-fee policy makes it stand out. The company still charges for instant transfers. Here’s what you can expect to pay. ServiceCostCash advance$0Express delivery (optional)$4.99 – $18.99 Tip: Even though Money App is free, most people pay a fee for instant transfers. To figure out the real cost, calculate both fees (membership + instant transfer). It will make it easier to compare options. Pros and cons Pros No mandatory fees Money App doesn’t charge any mandatory fees. It’s one of the app’s biggest selling points, since most cash advance apps require a paid membership. Fast signup It takes only a few minutes. Once you enter your information and get verified, it only takes a few minutes to finalize the advance. (Some users report technology issues with the verification, but it’s quick when it works.) Transparent pricing You won’t have any surprises, and it’s easy to find information about the cost of express delivery. Some cash advance apps make it hard to find the pricing information until you sign up. Cons Not available in every state You can’t get Money App cash advances in every state. It’s also tricky to find the list of states where the app operates, which can be frustrating if you only find out after downloading. Low borrowing limit You can borrow up to $250. The limit isn’t as high as some other cash advance apps, like EarnIn and MoneyLion. Frequent technology glitches Based on reviews, the app has many glitches, especially during signup. Is Money App legit? Customer reviews Money App is a legitimate business connected to Prog Holdings Inc., a fintech holding company headquartered in Salt Lake City, Utah. It earns decent ratings in the app store, but the company isn’t accredited by the Better Business Bureau. SourceRatingNumber of reviewsGoogle Play4.1/57.18KBetter Business Bureau (BBB)1.0/51Apple App Store4.6/519KCollected in December 2025. Here’s the bottom line What it does well: When the Money App works, it works well. Users report that requesting money is fast and straightforward. Borrowers also say that the money arrives quickly. Where to be cautious: Recent reviews on Reddit and Google Play mention that the app glitches on the signup page. Users report that the app can’t verify their identity, making it impossible to get a cash advance. Customer support also seems to be lacking when reviewers reach out for a solution. Has anyone tried cash.money.app or money.app for cash advance? Is it really interest free? How much money did you get? Was the repayment easy? byu/HopeItHelpsYoutube inIssuesResolving Alternatives Here’s an in-depth look at the cash advance apps we recommend instead of Money App. The following apps earn high editorial ratings from our team. Get Cash Get Cash Max. Advance $250 Fee-Free Delivery 3 days Instant Delivery $4.99 – $18.99 fee Subscription – Get Cash Best for Early Paycheck Access Get Cash Get Cash Max. Advance $1,000 Fee-Free Delivery 1–3 days Instant Delivery $2.99 fee Subscription – Get Cash Best for Overdraft Protection Get Cash Get Cash Max. Advance $400 Fee-Free Delivery – Instant Delivery – Subscription $8/month Get Cash Best for Small Advances Get Cash Get Cash Max. Advance $500 Fee-Free Delivery 1-3 days Instant Delivery 0%-1.5% fee Subscription – Get Cash 1.5% of the amount for external card$0 to Dave account Money App vs. EarnIn EarnIn is our top-rated cash advance app. The app’s borrowing limit of $1,000 per pay period is much higher than Money App’s limit of $250. Our tester was able to borrow $100 within eight minutes after downloading the app. EarnIn’s $2.99 fee for instant transfers is also much lower than Money App’s. Money App vs. Tilt Tilt stands out with an all-in-one subscription fee. The company charges a mandatory monthly fee of $8, but it includes instant delivery, something most apps charge extra for. Once you pay Tilt’s monthly fee, you’re good to go. Money App is free to use, but instant transfers cost up to $18.99. Tilt’s flat fee makes it easier to budget and track your spending on advances. Money App vs. Dave Dave is a solid option if you want to combine your cash advance with money-making gigs. The app offers a unique side hustle finder tool, plus opportunities to complete surveys for extra cash. The fees, up to $25 for an “overdraft” fee, are higher than other options, but it might be worth it, especially if your fees are on the lower end. Article sources At LendEDU, our writers and editors rely on primary sources, such as government data and websites, industry reports and whitepapers, and interviews with experts and company representatives. We also reference reputable company websites and research from established publishers. This approach allows us to produce content that is accurate, unbiased, and supported by reliable evidence. Read more about our editorial standards. Money App, Cash When You Need It With No Hidden Fees Money App, FAQs Money App, Terms of Service Prog Holdings Inc., Our Companies Prog Holdings Inc., Q4 Earnings Better Business Bureau, Money App Reddit, r/IssuesResolving About our contributors Written by Taylor Milam-Samuel Taylor Milam-Samuel is a personal finance writer and credentialed educator who is passionate about helping people take control of their finances and create a life they love. When she's not researching financial terms and conditions, she can be found in the classroom teaching. Edited by Kristen Barrett, MAT Kristen Barrett is a managing editor at LendEDU. She lives in Cincinnati, Ohio, with her wife and their three senior rescue dogs. She has edited and written personal finance content since 2015.