And if you’re looking to borrow $200 instantly and can’t get a loan from family or friends, the good news is that there are other solutions out there.

In fact, leading cash advance apps can help you get money quickly to hold yourself over until your next payday. And there are tons of other fast-funding options out there too that I'll explore.

The Best $200 Cash Advance Apps To Borrow Money Instantly

1. EarnIn

EarnIn is our number one pick if you're looking for a $200 cash advance app. And that's because it lets you borrow $100 per day – up to $750 – against an upcoming paycheck.

This kind of money is incredibly helpful if you need to pay rent tomorrow or other bills. And the best part is that EarnIn doesn't have any credit check, interest charges, or mandatory fees.

To make money, Earnin asks users to tip to cover loan costs. There is also no monthly subscription fee which earns this lender a top spot on this list.?

Regular EarnIn cash advances take 1 to 2 business days to process without charging extra fees. If you want instant money, you will want to pay the Lightning Speed $3.99 fee to get your money the same day.

Get started with EarnIn or read our post – is EarnIn legit? – for all the details.

2. Super.com

Super.com is an all-in-one app that can help supercharge your finances by getting you the money that you need and more.

For starters, Super lets you take out cash advances between $20 to $250. There's no credit check requirement or interest fees either, like with EarnIn.

Super has tons of other features to help you earn and save more money. There's cash-back deals, coupons, travel discounts, paid surveys, and even cash gaming offers. And there's also a secured credit card to help you build your credit.

Just note that most of these features require a Super+ membership, which costs $15 per month. But there's a free trial to test it out. Plus, you can easily cover your membership cost with all of Super's earning options.

Get started with Super or read our Super.com review.

3. Current

Another $200 cash advance app that ranks high on our list is Current.

Current is a digital banking solution that is packed with features. For starters, you get a fee-free checking and savings account that pays 4% APY on up to $6,000. Not a bad way to make passive income!

Current now lets members borrow money as well. It offers cash advances between $50 to $500. Like other $200 loan apps on this list, how much you can borrow depends on factors like your weekly income and payment history, so keep this in mind.

Current advances arrive within 1 to 3 business days. You can also pay a variable fee to get paid quickly.

If you're looking for a new low-fee banking solution, Current is definitely worth checking out. And right now, new members can also enjoy a $50 sign up bonus when they sign up and set up qualifying direct deposits.

Get started with Current or read our Current bank review for all the details.

4. Dave

If you're still wondering where to borrow $200, you can always try out Dave.

This is another popular advance app where you can borrow up to $500 against an upcoming paycheck. There's no credit check requirement or interest fees either. And Dave just charges a low $1 monthly membership fee.

Like most $200 borrowing apps, you need to have regular paychecks coming in to qualify. But if you qualify, advances from Dave generally arrive within 1 to 2 business days.

We also like Dave because it has other cool tools. For example, it helps you find new side hustles like online jobs, part-time gigs, cash surveys, and much more. The app also has some nifty budgeting tools and an interest-earning account.

Get started with Dave or read our post – is Dave legit? – to get the full scoop.

5. Cleo

Most apps to borrow $200 have some pretty strict income requirements. But this is where Cleo – an AI powered budgeting and cash advance app, is different.

With Cleo, members can advance anywhere from $20 to $250 based on how much they qualify for. And advances usually arrive in 3 to 4 business days unless you pay a small express fee.

But what makes Cleo unique is that it accepts more irregular income, like gig economy work or freelancer income. So, this is our top app if you're not fully employed right now.

Cleo also has tons of other great features. For example, its AI-powered assistant can give you budgeting advice or even roast your spending habits.

Just note that you need to upgrade to Cleo Plus, which costs $5.99 per month, to access cash advances. However, this is a pretty average fee for the industry. And we like that Cleo has more lenient advance requirements.

Get started with Cleo or read our Cleo app review!

How To Get $500 By Tomorrow.

6. Brigit

Backed by several celebrities including Ashton Kutcher, Brigit offers access to cash advances up to $250 with no interest, credit check, or late fees.

Brigit has two plans for users. The free plan includes financial alerts and some great tools to help you budget.?But you need to upgrade to Brigit Plus to borrow money.

The Bridget Plus plan is $8.99 each month and gives you access to borrow cash and some other credit building tools. A premium plan with free Express Delivery of funds and credit building tools is also available.

Users that want to make more money will find a great side hustle area on Brigit to help you find gigs to earn more money. You can also play games for money, take surveys and find more ways to earn.

Try out Brigit today or read our Brigit app review to learn more.

7. MoneyLion

MoneyLion is an all-in-one financial platform that lets its members spend, save, invest, and borrow money with tailored offers to suit their needs.

It's also an effective way to borrow $200 instantly or much more. That's because with MoneyLion Instacash, you can borrow up to $500. There's no credit check, interest, or mandatory fees. You receive your cash in 1 to 5 business days or simply pay a small Turbo fee to receive your money in minutes.

MoneyLion has tons of other features and perks too. You can use to to begin investing, and it also has a loan marketplace to help you find additional borrowing options. There's also a banking solution to help you spend and save your money.

If you're just after cash advances, we think something like EarnIn is the better choice. But MoneyLion could be a great fit if you want an all-in-one financial solution where you can also borrow $200.

8. Empower

One more app to borrow $200 you can try is Empower.

This is another advancing app that lets members borrow $10 to $300. Like similar apps, how much you can borrow depends on factors like your previous paycheck history and monthly income.

?Empower offers a 14 day free trial and then charges $8 per month after the trial ends. While there are no fees for their cash advance service, the app asks for optional tips. There is also an Instant Delivery fee if you select that option for payment.?

The 20+ Best Free Apps Paying Real Money Fast.

Other Options To Borrow $200 Dollars Instantly

The above apps to borrow $200 instantly are a great starting point when you're in a pinch. But there are plenty of other places to get a $200 loan, including:

• Asking family or friends to borrow the money
• Using a Buy-Now-Pay-Later (BNPL) solution like Klarna or Affirm
• Using your credit card
• Doing quick cash gigs to make the money
• Taking out a personal loan
• Selling your unused stuff or pawning stuff for cash
• Dipping into your emergency fund

At WebMonkey, we're big fans of starting side hustles or turning to alternative solutions to borrowing. And we also suggest steering clear of very expensive lending options like payday loans or high-interest credit cards.

The Best Daily Pay Side Hustles.

Final Thoughts

I hope this guide on how to borrow $200 instantly helps you smooth out your finances until payday.

With all of these apps, it's important to remember you don't always qualify for the full borrowing amount. Additionally, always check fees and potential charges before deciding to borrow.

And remember: you can always try earning money online or starting new side hustles to make ends meet. If you need some help getting started, check out our side hustle database for some inspiration!

Want even more ideas for fast cash? Checkout:

• The Best $25 Sign Up Bonuses.
• The Top $25 Borrowing Apps.
• How To Make $200 Fast.

EarnIn Disclaimers:

1: EarnIn is a financial technology company, not a bank. EarnIn services may not be available in all states. Bank products are issued by Evolve Bank & Trust, Member FDIC.

2: Subject to your available earnings, Daily Max and Pay Period Max. Restrictions and/or third party fees may apply, see EarnIn.com/TOS for details.

3: EarnIn does not charge interest on Cash Outs. EarnIn does not charge membership fees for use of its services. Restrictions and/or third party fees may apply, see EarnIn.com/TOS for details.

4: Fees apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank. Restrictions and/or third party fees may apply, see Cash Out User Agreement for details.

The post 8 Best Cash Advance Apps To Borrow $200 Instantly appeared first on WebMonkey.

Empower is a legit and popular cash advance app that lets its members borrow up to $300 instantly while also accessing a line of credit. And it's designed to help its members smooth their cash flow and make ends meet while improving their credit.

But is the Empower cash advance app worth using? And how does it compare to its competitors?

Our Empower app review is sharing how this app works, its fees, and how to decide if it's right for you.

Want more fast money ideas? Checkout:

• EarnIn: Our favorite advance app that lets you borrow up to $750 per pay period.
• TurboDebt: Get fast debt relief help if you have $10,000+ in debt.

Key Takeaways:

• Empower offers instant cash advances of $10 to $300
• Credit lines from Empower grow up to $1,000 over time
• Users access multiple repayment options for credit lines
• Empower’s automated savings feature helps build smart savings habits

Is Empower Legit?

Empower is legit and lets its members borrow up to $300 in an advance to help cover bills. The app is also highly rated on both app stores, with a 4.7 star rating on the Google Play Store and 4.8 star rating on the Apple App Store.

However, Empower also has a 1.9 star rating on Trustpilot, with many negative reviews. Many users complain that they can't access cash advances and that customer service is extremely poor.

Apps like Empower can be useful if you need to pay rent, bills, or cover sudden expenses. But when they don't actually help you advance cash, they're far less useful.

At WebMonkey, we ultimately prefer apps like EarnIn and Dave. Both have higher advance limits and also have way higher ratings on Trustpilot than Empower.

What Is The Empower App & What Does It Offer?

Empower is a financial technology company that specializes in cash advances and lines of credit. And it's not to be confused with the Empower budgeting app, which used to be called Personal Capital.

Like other apps in the space such as Cleo and Klover, Empower's goal is to help its members make it to their next paycheck. It's a way to access quick cash if you're in a pinch.

The app also has other tools to help members save money and track spending. And I'll cover its main features, as well as fees and requirements, below.

1. Empower Cash Advance

Empower's cash advance feature lets you borrow between $10 and $300. However, not all users qualify for the full $300. In fact, you'll likely qualify for far less and then have to build your advance limit over time.

Once you sign up, Empower connects to your bank account and analyzes data like your recurring bills and bank deposits. It then determines how much you're eligible to borrow based on this data, so steady paychecks and responsible spending habits can lead to a higher advance limit.

This is the same system similar apps like Super.com and Brigit use. If you don't receive steady paychecks, you likely won't qualify for an Empower cash advance.

But if you do qualify, it's a useful tool. Cash advances from Empower have no interest, late fees, or credit checks. In most cases, you get your cash advance within 15 minutes of requesting it.

Empower sets a repayment date, which you agree to when you accept your cash advance. When that date arrives, Empower automatically withdraws the amount of your cash advance from your linked bank account to pay it back. You can use the app to reschedule your repayment date if needed.

You may get an overdraft fee from your bank if you don’t have enough money in your account to cover your cash advance on your scheduled payment date. Fortunately, Empower reimburses your overdraft fee if you show customer support evidence of the fee being charged.

How To Make $500 By Tomorrow.

2. Empower Thrive

Empower Thrive provides instant access to a credit limit of $200 to $400. And members can increase this limit to up to $1,000 over time by making on-time payments.

Unlike many other lines of credit and credit cards, you don’t need a specific credit score to qualify for a Thrive line of credit.  You can apply for Thrive in just a few minutes using the Empower app.

As you continue borrowing and paying off your credit line in time, you can build credit through Thrive. Empower regularly reports your activity to major credit bureaus, so you can see a boost to your credit over time by making on-time payments. 

Note that you can’t use Thrive when you have a current cash advance, so you won’t see the option available in the app until you pay off your cash advance. This is to prevent users from over-borrowing money.

3. Automatic Saving & Budgeting Tools

Put your savings on autopilot with the Empower app’s automatic savings feature, which helps you save without thinking about it.

Empower learns your spending activities through your linked bank account and suggests a manageable savings goal for you. You’re free to adjust that suggestion or skip auto-savings altogether. If you select auto-save, Empower automatically transfers the amount you want on your preferred schedule to your savings account, which you can also open through Empower.

You can also access simple budgeting tools through Empower. See where you’re spending the most money, customize spending categories, and set limits for yourself within each category.

If budgeting is your main goal, apps like Rocket Money or YNAB are far better choices. But it's nice that Empower has some built-in tools to encourage saving.

The Best Reward Apps To Save & Earn.

Empower Cash Advance Requirements & Eligibility

There are several requirements to take out an Empower cash advance and become a member, including:

• Being 18 or older
• Having a U.S. bank account
• Having a valid Social Security Number
• Having a mobile phone that can receive SMS messages

As mentioned, you also need regular income from paychecks coming into your linked bank account for Empower to grant you a cash advance. This means irregular income from gig work, social benefits, or occasional cash transfers doesn't qualify.

If you don't qualify for Empower, we suggest trying Cleo since it has more lenient requirements. You can always check your status for a cash advance by clicking the “Check eligibility now” link in the app.

How Much Does Empower Cost?

Empower offers a free 14-day trial for new customers who haven’t used the app before. After the trial, a subscription costs $8 per month, which gives you access to an Empower loan, automatic savings, and a Thrive credit line.

Empower also charges additional fees for instant deliveries of a cash advance, based on the amount of your cash advance, from $1 to $8. However, advances often deliver within a day without extra charges.

Overall, paying $8 per month for this kind of advance is likely cheaper than turning to your credit card or payday loans. However, apps like EarnIn don't charge mandatory fees and have a higher advance limit. And Dave's membership cost is only $1 per month; way lower than Empower's fees.

How Does The Empower App Work? Here’s How to Get Started

Ready to see what Empower is all about? Here’s what to do to get started. 

1. Download the Empower app from the App Store or Google Play.
2. Fill out your information to create an account.
3. Connect your bank account using Plaid. Empower connects to U.S. financial institutions. If you can’t find your bank in the list, use the search bar to locate it. 
4. Enter your bank account’s login credentials to connect to your account.
5. The Empower app will show you the amount of the cash advance you qualify for instantly after connecting your account, from $10 to $300.
6. If you’re eligible for a cash advance, you can request one immediately.
7. Review the details of the cash advance offer from Empower, including the amount of the advance and the repayment date.
8. Accept your offer and wait for your cash advance to arrive. In most cases, you’ll see your advance reach your bank account within 15 minutes. 

The Best Free Real Money Apps That Pay Instantly. 

Pros & Cons

Pros:

• Empower is easy to use
• There's a 14-day free trial
• Cash advances don't charge interest or late fees
• No credit check requirement
• You can use Empower Thrive to potentially build credit and access up to $1,000

Cons:

• Empower has a high monthly membership cost
• Lower cash advance limit than many competitors
• Negative reviews complain about slow customer service and random charges
• Customers can't use Empower Thrive and its cash advance feature at the same time

The Best Apps Like Empower For Cash Advances

Empower is a popular advancing app, but we think it falls short due to monthly fees and many negative reviews.

Some of the best apps like Empower you can use instead include:

• EarnIn (best overall)
• Current (best bank with advances)
• Dave (best for side hustlers)
• Super.com (best for cash-back deals)
• Cleo (best for gig workers)
• Brigit (best for building credit)
• Yendo (best for credit lines)

Of course, you can always turn to other options, like asking friends and family to spot you. Alternatively, you can try various side hustles that pay daily for some fast cash.

The Best $200 Cash Advance Apps.

Other Empower Cash Advance Reviews From Customers

Empower has mixed reviews from customers. As of this writing, Empower’s rating on Trustpilot is 1.9 of 5 stars, although less than 30 people have left reviews or ratings. On the Better Business Bureau, Empower has a 1.07 rating out of 5 stars from a couple of dozen customer reviews. While these ratings are low, it’s important to remember that there aren’t many reviews of Empower yet on these platforms.

As for the positives, several users like that Empower gives them a little bit of cushion between paychecks, allowing them to quickly and easily get small cash advances to cover a bill or two until they get paid again. Many users admit that the process is incredibly easy and like that they can grow their cash advance amounts over time.

The negative ratings mostly center on miscellaneous fees charged by Empower and difficulty finding out what the charges are for. Some customers have also mentioned getting their cash advances deducted from their bank accounts on dates they didn’t originally agree to, leaving them to face overdrafts with their banks. Other complaints are regarding the $8/month subscription fee, which some believe is higher than necessary for Empower’s services, and the lack of customer support.

The Highest Paying Apps To Try This Month.

Is The Empower App Safe?

Yes, Empower is safe to use. The Empower app uses 256-bit SSL end-to-end encryption to secure your data, plus other security features like Touch ID and multi-factor authentication, to keep your information safe. It also uses Plaid, a trusted and secure fintech company, to connect your bank account without holding onto any of your account data. 

Is There Customer Service?

Yes, Empower has a customer service team, but some customers note that it’s difficult to get a hold of someone quickly when needed. To contact Empower customer service, email [email protected] at any time or call (888) 943-8967 from 6 AM to 3 PM Pacific time, Monday through Friday, excluding holidays.

Is Empower Worth It?

Empower cash advance is worth it if you need a quick solution to borrow money and don't want to turn to a personal loan or your credit card. However, it has a steep monthly fee. And we think there are plenty of better alternatives like EarnIn or Cleo that you should try first.

Additionally, Empower won't work if you don't have steady income. Once again, in this case, something like Cleo or Klover might be the better choice.

Hopefully, our Empower review helps you decide if this popular app belongs on your smartphone!

Want even more money-making guides? Checkout:

• The Best $25 Loan Instant Apps.
• Is MoneyLion Legit?
• How To Get $5,000 Fast.

The post Empower Cash Advance Review – Is It Legit & Worth It? appeared first on WebMonkey.

Need a few bucks to make it to your next payday? Could a bit of side cash help you buy a few groceries or partially fill up your tank to get you to work?

We all have times when we’re running short on cash. Sometimes all we really need is a few bucks to get by. And not everyone has family or friends that can help them out.

This is where cash advance apps that help you borrow $25 instantly (or even more) can help you make ends meet. So, let's explore some of our favorite $25 loan instant apps you can use to get paid ASAP.

The Best $25 Instant Loan Apps For Cash Advances

1. EarnIn

EarnIn is our all-time favorite borrowing app, and it's a very easy way to get a $25 cash advance, or even more, if you need quick money.

With EarnIn, you can borrow up to $100 per day – for $750 in total – in a given pay period. And this is super useful if you need to pay rent, bills, or cover some emergency.

EarnIn doesn't charge charge interest or mandatory fees. There's no credit check requirement either. Instead of fees, EarnIn asks for voluntary tips. You can also pay a variable fee if you want an instant cash deposit. Otherwise, you can get your deposit without fees in a few business days.

Like the other $25 loan apps in this article, EarnIn connects to your bank account and analyzes paycheck history to determine how much you're eligible to borrow. Not every user qualifies. But you can steadily increase your limit with more payment history and on-time payments.

Try out EarnIn today or read our EarnIn app review to learn more.

2. Cleo

You can get a $25 instant cash advance served up with a side of sarcasm with Cleo – an AI-powered financial app.

With Cleo, members can borrow anywhere from $20 to $250 in an interest-free cash advance. New members can borrow $20 to $100, but more established members can borrow up to $250.

There's no interest or credit check requirement either as with EarnIn. And Cleo monitors your bank account to determine how much you can borrow.

Advances deposit for free within 3 to 4 working days. You can also pay an express fee of $3.99 to get paid right away. Cleo also charges $5.99 per month for Cleo Plus, which unlocks advances. 

We like Cleo for gig workers and freelancers since it doesn't require W2 deposits to qualify for an advance; any regular income can qualify. Plus, the app has budgeting features to help members save extra money.

Try out Cleo today or read our Cleo app review!

3. Dave

Dave3 offers cash advances of up to $500 and is another excellent option to borrow $25 or much more if you're struggling financially right now.

Dave is one of our favorite borrowing apps alongside EarnIn and Cleo. And it simply charges a $1 monthly fee to let you access cash advances. The app also asks for optional tips and doesn't charge interest or require a credit check.

We like Dave because it also has a nifty tool to help you find the best side hustles. This includes various gig jobs, paid surveys, reward apps, part-time work, and even passive income ideas. Dave also has budgeting tools like Cleo.

Most qualifying users receive a cash advance from Dave in 1 to 3 business days. Express fees can apply if you need an instant transfer and transfers to some banks may take longer.

Get started with Dave or read our Dave app review to learn more!

4. Super.com

Super.com is one of the most versatile cash advance options out there. And it can also help you borrow $20 to $250 against a future paycheck without paying interest or hidden fees.

This website is a mix of a rewards site and a get-paid-to site. It offers cash advances as well as coupons, cash-back deals, travel discounts, and even side hustle opportunities.

That's right: you can borrow $25 but also earn with options like cash games, shopping deals, and cash surveys. Not too shabby!

Just note you have to pay for Super+ to unlock advances and most of its features. This costs $15 per month. But you don't pay mandatory fees on advances and can easily offset your membership cost with its earning offers.

Supercharge your finances with Super.com or read our Super.com review to learn more!

5. Current

Are you looking for a digital savings solution that also helps you borrow $25 or even more?

Then Current could be for you. This FinTech company offers a no-fee checking and savings account to help you spend and save your money more easily. And it also has cash advances of up to $500 as well as free overdraft protection of up to $200.

Our favorite part about Current is that its savings account also pays 4% APY on up to $6,000 in savings. This is a great way to earn on autopilot, and you don't pay monthly account fees.

On top of that, there's even a $50 sign up bonus for new members if you sign up and set up qualifying direct deposits. And Current even offers early paycheck deposits of up to 2 days.

Get $50 from Current or read our Current bank review to learn more!

Check out the best instant sign up bonuses without direct deposit requirements going on right now to earn even more!

6. Klover

Another simple way to get a $25 instant cash advance is to use Klover.

Like other apps in this list, Klover doesn't charge interest, late fees, or require a credit check. And its unique system is great for those with lower incomes or who might not have the best credit score.

Klover lets you borrow up to $200 with its cash advance feature. You can increase your borrowing limit by earning points in unique ways. For example, answering online surveys, saving money, watching videos, and other fun options can increase your limit.

Klover also has other features like daily cash giveaway and budgeting tools. It can take up to 3 days for Klover to process a cash advance, so keep this in mind.

Users can also upgrade to  Klover+ for $4.99 per month to unlock even more features including credit monitoring and access to a financial advisor.

Try out Klover today or read our Klover app review!

How To Get $500 By Tomorrow.

7. MoneyLion

MoneyLion is an all-in-one financial solution that offers everything from a checking and savings account to options for income investing.

Its cash advance feature also lets you borrow $25 to $500 against your upcoming paycheck. And it can also help match you to the best personal loans for you to help you borrow $25 or way more.

You don't pay interest or mandatory fees for the advance. Some of MoneyLion's other features have monthly costs, but we like the company if you're looking for an all-in-one solution to make, save, and borrow.

Extra Reading – How To Make $1,000 In A Day.

8. Chime MyPay

You may know Chime for its lack of fees and high-interest savings accounts. But it also has a new feature called Chime MyPay that lets you borrow up to $500 before payday.

Like the other $25 loan apps I've covered, Chime MyPay doesn't charge interest or hidden fees. There's no credit check either. You get your money for free if you wait more than 24 hours or pay a $2 flat fee for an instant deposit.

Most new members get $50 to $100 as their advance limit, so your $25 is covered. You can then increase your limit with more pay cycles.

Chime also has other great features including access to over 60,000+ ATMs and the ability to earn passive income with Chime Savings.

Extra Reading: The Best $200 Loan Apps For Instant Cash.

What Are Some Other Alternatives To Borrow $25 Instantly?

You can turn to instant $25 loan apps to cover yourself until the next paycheck. But this is far from your only option when you need some fast cash.

Several other alternatives worth considering include:

• Asking friends and family to borrow the money
• Making money with an idea from our side hustle database
• Using a credit card
• Taking out a personal loan
• Making money with fast-paying side gigs
• Selling your unused things
• Getting an online job that pays daily
• Pawning stuff for cash

There are truly tons of options for increasing your income in short notice. And we cover these ideas all the time here at WebMonkey!

Final Thoughts

If you are wondering where to borrow $25, there are cash advance apps that can help. And these apps are often way cheaper than turning to something like a payday loan or your credit card.

Personally, EarnIn is my favorite choice. But you can try several of these $25 advance apps to find what works best for you. Just factor in any fees, membership costs, and extra features you get to pick the app that's right for your situation.

Want even more fast income ideas? Checkout:

• How To Make $200 Fast.
• The Best Instant $25 Sign Up Bonuses.
• Is The Empower Cash Advance App Legit?
• How To Get Free Money Today.

1 Cleo loans are subject to eligibility and the amounts are subject to change. Express fees may be applied to same day transfers. 

3 New Dave customers have an average approved cash advance of $160.

EarnIn Disclaimers:

1: EarnIn is a financial technology company, not a bank. EarnIn services may not be available in all states. Bank products are issued by Evolve Bank & Trust, Member FDIC.

2: Subject to your available earnings, Daily Max and Pay Period Max. Restrictions and/or third party fees may apply, see EarnIn.com/TOS for details.

3: EarnIn does not charge interest on Cash Outs. EarnIn does not charge membership fees for use of its services. Restrictions and/or third party fees may apply, see EarnIn.com/TOS for details.

4: Fees apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank. Restrictions and/or third party fees may apply, see Cash Out User Agreement for details.

The post The 8 Best $25 Cash Advance Apps To Borrow Money Instantly appeared first on WebMonkey.

MoneyLion is an all-in-one financial technology company that provides several services via its app like instant cash advances, checking and high yield savings accounts, investing opportunities, financial guidance, and help connecting users with credit cards and loans.

The platform is a powerful way to spend, save, and borrow. But is it worth using, and is it legit?

Our MoneyLion review is covering how its popular Instacash feature works. We're also covering its other main features to help you decide if it's right for you.

Key Takeaways:

• MoneyLion Instacash lets members borrow up to $500 per pay period in $100 daily chunks
• There's no interest, credit check, or mandatory cash advance fees
• MoneyLion also offers numerous saving, spending, investing, and borrowing products
• This is an all-in-one financial solution that's also competitive
• For standalone cash advances, we prefer EarnIn and Dave

Is MoneyLion Legit?

MoneyLion is legit and offers a range of financial products and services to help its members spend, save, and borrow more easily. It also has a 4.4 star rating on Trustpilot with over 27,000 reviews, making it one of the highest rated companies in the space.

MoneyLion has been around since 2013. Since then, it's grown to around 10 million members. And the platform is packed with features to help people improve their finances.

Its cash advance feature, MoneyLion Instacash, is also very popular. It's similar to apps like EarnIn and Dave and lets members borrow up to $500. Plus, the platform has tons of other features to help you access cash quickly.

How Does MoneyLion’s Instacash Cash Advance Work?

Although MoneyLion offers several different financial services, its Instacash feature stands out as one of the most popular.

This feature lets qualifying members borrow $25 to $500 cash advance against an upcoming paycheck. There's no interest, credit check, or mandatory fees either.

To qualify, you need steady monthly deposits coming in. And you don't necessarily qualify for the full $500 right away; this limit increases as you build up payment history and make on-time payments.

Additionally, MoneyLion Instacash only lets you request up to $100 a day, like EarnIn. But if you need money to pay rent or small bills, this advance can certainly help.

However, there are a few ways to increase this. For example, you can use Instacash “Boosts” to temporarily increase your limit. You can get Boosts a few different ways like by paying your account balances on time, using MoneyLion’s debit card for the first time, making on-time payments to your Credit Builder Loan, or by receiving a Peer Boost.

Additionally, some users can qualify for up to a $700 limit if they take out a Credit Builder Loan with MoneyLion, or up to $1,000 if you use your RoarMoney account for all your direct deposits.

In any case, this advance feature is useful when you need quick money to get by. All repayments on MoneyLion Instacash advances are automatically scheduled and are based on your regular direct deposit dates.

How To Get $500 As Soon As Tomorrow.

MoneyLion Instacash Requirements & Fees

To qualify for Instacash, you must meet the following eligibility requirements:

• Have a MoneyLion account in good standing
• Have a valid banking account linked to your MoneyLion app or have a RoarMoney account 
• Have a bank account that's veen active for at least 60 days
• Show a record of at least three consecutive direct deposits into the account (these can be weekly, bi-weekly, monthly, etc.)This income can be from payroll, government benefits, or pension payments but doesn’t include cash deposits, ATM deposits, transfers, or an individual check from a new employer

What's nice is that your income can be from a payroll, but also government benefits or pension payments. However, ATM deposits or transfers don't qualify. And gig work from something like DoorDash or Uber Eats may or may not qualify.

Your Instacash limit is based on the amounts of your recurring direct deposits, your transaction history on the account, and any boosts you may have. The maximum amount you can qualify for is $500, though with a RoarMoney account or a Credit Builder Loan this can increase to $700 or $1,000.

Instacash deposits don't have mandatory fees, which I love. However, disbursement normally takes one to two business days if you have a RoarMoney account or one to five days for an externally-linked account.

If you need money immediately, you can pay a “Turbo Fee” of $1.99 to $8.99 depending on the amount you’re requesting. This deposits money into your account within two minutes.

We think Instacash Turbo Fees are somewhat steep, especially compared to companies like EarnIn or Cleo. And you should always calculate any fees as a percentage of your advance so you truly understand how much you're paying.

Who Is MoneyLion Instacash Best For?

MoneyLion Instacash is best for people with a steady job or income stream who may occasionally need extra cash to hold them over because of an emergency or some bills.

For these individuals, an Instacash advance is almost always preferable to taking out a payday loan which can charge interest rates of 15% to 30%. Plus, if you’re already using the MoneyLion app for its other features, you’ll be set up to take advantage of the cash advance when you need it.

That said, this service isn’t a long-term financial fix for those with ongoing money management issues or for those who don’t have a regular income stream. Additionally, most users won’t qualify for the maximum limit of $500 and you can only take out $100 a day, so it may not even be enough for your needs.

We also suggest trying out top side hustle ideas or other ways to make money if you're struggling financially. Borrowing money endlessly isn't a way to get ahead financially, so keep this in mind.

Other MoneyLion Products & Features

MoneyLion has numerous other products and services that help you spend, save, borrow, and invest for income. Some of its top features and accounts include:

• RoarMoney Banking Account: RoarMoney is a bank account administered through MetaBank that’s FDIC-insured up to $250,000. This account comes with a Mastercard, cash back rewards, price protection, no overdraft fees, over 55,000 fee-free ATMs, and early paycheck deposit of up to two days early. This account costs $1 per month.
• MoneyLion Loans: MoneyLion connects users with third-party offers for personal loans, auto refinancing and student loan refinancing.
• Credit Builder Plus: MoneyLion has a Credit Builder Plus membership where customers can apply for a loan of up to $1,000 at a 5.99% to 29.99% APR. You pay back the loan over 12 months, and on-time payments are reported to all three major credit bureaus. This service has a $19.99 monthly fee.
• MoneyLion WOW: A MoneyLion Wow membership costs $9.99 a month and allows you to access exclusive cash-back offers, insurance protection for certain purchases, access to investing opportunities with no commission fees, and waived fees on many of MoneyLion’s other services. 
• Savings Account: This tool connects users to the best high-yield savings accounts, many with no monthly fees and helps you get started with one within minutes. 
• Investing Tools: MoneyLion lets members invest with as little as $1. You can also choose fully managed portfolios that match your goals and risk tolerance. There's even crypto investing and rebalancing tools too.

The sheer number of features might seem overwhelming. But MoneyLion's goal is to be an all-in-one financial solution for its customers.

You really get a lot of features with RoarMoney, which I like. However, many of the other services are just marketplaces that connect you to top financial products and services. And the Credit Builder plan is pretty expensive.

Pro Tip Find the top high-yield savings accounts, CDs, and money market accounts with Raisin! Start saving with just $1 and skip the fees!

Pros & Cons

Pros:

• A comprehensive financial tool that caters to all your needs
• High cash advance limit of up to $500
• No interest or credit check requirement of cash advances
• RoarMoney members have a lot of perks
• MoneyLion also lets you invest with as little as $1

Cons:

• Instacash has a $100 daily request limit
• Not all members qualify for cash advances
• Expensive Turbo fees for fast deposits
• MoneyLion asks for tips on cash advances
• Some other MoneyLion products have expensive monthly fees

The Best Alternatives To MoneyLion Instacash

We think MoneyLion provides a comprehensive platform that helps you spend, save, and borrow. And it has a pretty competitive Instacash cash advance feature.

That said, there are other apps like MoneyLion you can consider. And some of these are better standalone offerings than MoneyLion's “do it all” approach:

• EarnIn (best overall cash advance app)
• Current (best savings solution with advances)
• Dave (best for side hustlers)
• Super.com (best for cash back)
• Brigit (best advance app to build credit)
• Cleo (best for gig workers and freelancers)
• Yendo (best credit card with cash advances)
• Klover (best for low-income individuals)

If you strictly need advances, we think EarnIn is better than MoneyLion Instacash. This is because it has a limit of up to $750 and doesn't charge as high fees. But if you want an all-in-one solution with other features, you can try out MoneyLion.

The Best Ways To Get $1,000 In 24 Hours.

Is MoneyLion Safe?

MoneyLion is a safe and secure app to use and connect your existing banking accounts to. It does this by using Transport Layer Security (TLS) technology and encryption for all your personal data and transactions. The company also states that it monitors its site and database 24/7 for security threats and it will send Unusual Activity Alerts any time a suspicious purchase is made from your account.

Other MoneyLion Reviews From Customers

MoneyLion has no shortage of positive reviews, and customers who’ve given the app five-stars comment on the excellent customer service, that the app does exactly what it advertises, that it's easy to navigate, and how helpful the Credit Builder Loan has been in raising their credit scores.

Negative reviews mention that it can be irritating that you’re only allowed to take out $100 at a time with Instacash advance, the high fees for same-day transfers, and that Instacash services send requests for “tips.”

MoneyLion has received an average of 4.4 stars from nearly 28,000 reviews on Trustpilot, and 4.51 stars from reviewers on the Better Business Bureau website.

Is There Customer Service?

There’s a chat feature within the app or you can call or text the company 24 hours a day, seven days a week at 1-844-224-0087. You can also send a secure message through the website, or send an email to [email protected]. Messages and emails are usually answered within a day.

How To Borrow $200 Instantly.

Does MoneyLion Impact My Credit Score?

With a Credit Builder Loan, you have the possibility of increasing your credit score but only if you make all your payments on time. It’s worth noting that there are other actions you can take during this time that can lower your score, and even with the Credit Builder Loan there’s no guarantee it will raise your score.

There are also no hard credit checks for any of MoneyLion’s services, but if you end up working with one of its third-party partners (like a lender), the partner company may do a hard credit check which can temporarily ding your credit score.

The Ultimate List Of High-Paying Apps.

Is MoneyLion Instacash Worth It?

MoneyLion Instacash is a popular cash advance solution that is competitive with other companies in the space. And MoneyLion as a whole offers tons of products to help you spend, save, invest, and borrow.

As long as you don’t overuse this service and have a steady income stream, it’s worth it to sign up for Instacash for those few-and-far-between times when you need a little bit of money to get you through an unexpected rough patch. However, those with consistent money problems or who don‘t have a regular income stream may not get what they need out of this service.

Hopefully, this MoneyLion Instacash review helps you decide if this is the right service for you!

Want even more ideas to earn and save? Checkout:

• The Best Income-Generating Assets.
• The Best $25 Cash Advance Apps.
• The Best Free Money Apps That Pay Instantly.
• How To Make $5,000 Fast.

The post Is MoneyLion Legit? Our MoneyLion Instacash Review! appeared first on WebMonkey.

Current is a legit mobile banking solution that's known for its lack of monthly fees and unique Savings Pods feature. Plus, the company recently rolled out cash advances and has offers several features and services to enhance your cash flow and savings efforts with no hidden charges.

But is Current worth using and safe? And how can you tell if this savings solution is right for you?

In this Current review, we’ll explore Current’s banking, saving, and investing features, fees, and benefits to help you decide whether it’s worth using.

Want more ideas to make and save? Checkout:

• EarnIn: Borrow up to $750 against an upcoming paycheck!
• Arrived: Invest in income-generating real estate rentals with only $100!

Key Takeaways:

• Current offers no-fee banking and savings
• Earn 4% APY on up to $6,000 in savings
• Other perks like faster paycheck access, free overdraft protection, and cash advances
• Current also lets you invest in crypto and offers teen accounts
• We recommend Current if you're building your savings and want to ditch bank fees

What Is Current?

Current is a financial technology company that helps its members save and spend their money without expensive fees. It also has a credit building product, teen accounts, and numerous other features to help its members manage their finances.

Current's first product was a teen debit card that launched in 2017. Since then, it's grown into a comprehensive financial solution that lets you save, spend, and invest your money similar to how you would using a traditional brick-and-mortar bank.

The difference is that Current isn’t a bank. Instead, it’s technically a neobank and works with Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC, to provide its banking services.

As such, your money is FDIC-insured through these partners. Current also doesn’t provide your typical checking and savings accounts, instead combining the two into a blended account with no credit checks and zero annual fees.

Is Current Legit?

Current is a legit and offers excellent digital banking services designed for people who want to skip unnecessary fees and bank as simply as possible. It's also highly rated, with a 4.5 star rating on Trustpilot and over 9,000 reviews.

If you want to ditch bank fees and earn passive income on your savings, Current is a great choice. It also has a great sign up bonus for new members and pays a competitive 4% APY right now on savings. If you're just starting out your savings journey, we think Current's a great choice.

That said, larger account balance holders might want to look elsewhere. Current only pays interest on $6,000 in savings. If you have a larger balance, we suggest using Raisin to find the top savings account for you.

What Does Current Offer?

Current has numerous features to help you save, spend, and invest your income. Let's take a look at them!

1. Current Spend

Current Spend is Current’s main offering. It's a checking account, savings account, debit card, and credit card all in one.

You get a Visa debit card card from Current that you can use to access the money in your account, whether you want to visit an ATM or make purchases. You can set up direct deposit to your account for your paychecks, enjoy fee-free overdrafts, and earn points on your purchases.

On top of that, you can also opt for the Current Visa secured card charge. This card lets you build your credit as you use it and make on-time payments since Current reports these payments to major credit bureaus.

Current Spend also has plenty of other nifty perks, including:

• Option for AutoPay
• Paychecks up to 2 days faster with direct deposit
• Mobile check deposits
• Earn up to 7x points on card swipes
• Fee-free overdraft between $25 to $200
• Credit building with purchases
• 40,000+ fee-free AllPoint ATMs
• No temporary holds at gas pumps
• Money management tools

2. Savings Pods

Current Savings Pods are similar to a regular savings account. However, you can have up to 3 Savings Pods, making it easy to set money aside for different goals, like paying off debt or going on a vacation.

You can put as much money as you’d like into your Savings Pods, but only a certain amount is eligible for interest earnings, also known as Current Boosts. You can earn Boosts on the first $2,000 in each Savings Pod, up to a maximum of $6,000.

Current Boosts provide a maximum of a 4.00% annual bonus on your money. If you’re eligible for the full 4.00% bonus and you have at least $2,000 in each Savings Pod, this is $240 in free money per year. To get the full 4.00% bonus, you’ll need at least $500 of qualifying direct deposits per month. Otherwise, your Boost sits at 0.25%.

Earning 4% APY is a nice way to earn money on autopilot with your savings. But again, if you have over $6,000, you'll want to move your excess cash elsewhere.

Also note that you can also save cash with Current by automating your savings using the Round-Up feature. This rounds up your purchases to the nearest dollar and deposits the extra change into your savings account.

3. Cash Advances

Current has a new cash advance feature that lets you borrow up to $500 against an upcoming paycheck. And this is an amazing feature if you need to pay rent or other bills and are having trouble making it to payday.

This is similar to some of the best cash advance apps out there like EarnIn and Dave. And it's also very easy to get started. To be eligible, you simply set up your payroll direct deposit with your Current bank account, and your deposits must be more than $500 per month. You can also link an external bank account to your Current account if your check already gets deposited there.

Current may offer you a lower cash advance amount to start with but can increase the amount up to $500 once it sees a consistent deposits and responsible spending.

Also note that cash advances are free if you wait up to 3 business days to receive the money. Otherwise, you can get paid instantly by paying a variable express fee based on how much you're advancing. When you get paid, Current automatically withdraws the money you owe from your account to repay your advance.

The Best Ways To Make $500 By Tomorrow.

4. $50 Sign Up Bonus

Right now, you can take advantage of Current's $50 sign up bonus if you're a brand new member. To get the bonus, simply:

• Sign up for a Current account.
• Enter code WELCOME50 in the promo code box when signing up.
• Within 45 days of signing up, have a direct deposit of at least $200 go to your Current account.

Current sends the $50 welcome bonus to your Current account within 10 business days of the date your direct deposit successfully cleared your account.

The Best Instant Sign Up Bonuses.

5. Crypto Investing

Another new Current feature is its crypto investing side. This lets you buy and sell crypto right from Current's mobile app, and you don't pay trading fees. You can also trade dozens of coins including Bitcoin, Ethereum, Dogecoin, Cardano, and Polkadot.

This feature makes it easier to begin investing for income. And you only need $1 to begin trading. However, the interface and trading tools you get are far more basic when compared to using an exchange like Coinbase.

You can also read our guide on the best income-generating assets to buy for even more investing ideas.

6. Current Teen Accounts

Current has separate accounts for teens to have some freedom over their money. Teens can open an account on their own, but if they’re under 18, the account will need to link to a parent’s Current account. Parents can then give their teen an allowance, create spending limits to control how much and where they spend their cash, and transfer money to their teen’s account at any time.

Teen accounts also have a Savings Pod known as a Giving Balance. This is a savings goal that allows your teen to save money to donate to a charity of their choice. Once they save enough money in their Giving Balance, Current will send their donation.

Current Fees & Pricing

Current doesn't charge monthly account fees, and there's no sign-up fee either. However, some services require fees:

• Out-of-network ATM fee: $2.50 per transaction
• International cash withdrawal fee: $3.00 plus the foreign transaction fee
• Cash deposit fee: $3.50 per transaction
• Card replacement fee: $5 for standard shipping or $30 for expedited shipping
• Foreign transaction fee: 3% of the transaction amount, or a minimum of $0.50
• Late payment fee: 3% of any total balances past due for two or more billing cycles
• Inactivity fee: $5 per month after 12 consecutive months of inactivity
• Account closure fee: $10

Is Current A Good Banking Solution?

Current can be an attractive banking solution for people who are just starting out with savings and want to avoid fees while earning a competitive interest rate. It also has a great sign up bonus, useful cash advances, and has perks like early paycheck deposits and free overdraft protection to help you out.

However, if you prefer to visit a bank in person or plan to open other accounts in the future with a bank you have a longstanding relationship with, Current probably isn’t the right choice. And it's not the best savings solution if you have $6,000+ in savings.

How To Get Out Of The Rat Race.

Is Current Safe?

Current is a safe banking solution, and your money is kept in FDIC-insured partner banks. So, you get up to $250,000 in FDIC insurance to protect your funds. As for data security, Current uses encryption to protect any data you share with the app, including your account information and personal data.

What Are Some Good Alternatives To Consider?

We think Current is a great home for your emergency fund or first savings. And I love its lack of fees and nifty sign up bonus. However, you can still consider plenty of other options too.

Some of our favorite Current alternatives include:

• SoFi (best for sign up bonuses)
• Raisin (best for compare saving rates)
• Upgrade (best for cash back)
• EarnIn (best for cash advances)
• Discover (best for lack of fees)

Of course, you can always try several of these options and take advantage of ongoing bonuses. Just decide which features are important for you, and don't be afraid to shop around for rates!

How To Sign Up And Get $100+ Right Now.

Pros & Cons

Pros:

• No monthly account fees or minimum deposit requirement
• $50 sign up bonus
• Your money is FDIC-insured
• Plenty of perks like free overdraft protection, early paycheck deposits, and more
• A network of 40,000+ fee-free ATMs
• Current also offers teen accounts

Cons:

• Current only pays interest on savings up to $6,000
• $500 daily ATM withdrawal limit
• Fairly basic crypto investing features and no stock/ETF investing options

Final Thoughts

I hope our Current bank review helps you decide if this is the right home for your money.

If you want to ditch fees and earn a competitive interest rate, Current could be for you. And its sign up bonus and range of perks that help you save money are selling points.

That said, you can still use a tool like Raisin to compare saving products and rates in your area. But for a no-fee, simple savings solution, Current has our vote.

Want even more methods to earn and save? Checkout:

• Is The Cleo App Legit? Borrow Up To $250!
• Where To Borrow $200.
• How To Make $10K A Month.
• How To Earn $500 A Day.

The post Is Current Legit & A Good Bank? Our Honest Review appeared first on WebMonkey.

Need access to quick cash? Then Oasis, a new app for cash advances, could be what you're looking for.

This new app from Kikoff lets you borrow $25 to $250 in a cash advance to help cover bills and expenses. And there's no interest or credit check to worry about.

But is Oasis legit? And how does this app stack up against the competition? Read our Oasis cash advance review to get the full scoop!

Want some more fast cash ideas? Checkout:

• EarnIn: Borrow up to $750 against an upcoming paycheck!
• TurboDebt: Get fast debt relief if you have at least $10,000 in high-interest debt!

Key Takeaways:

• Oasis offers cash advances between $25 to $250
• There's no interest or credit check requirement
• Oasis costs $9.99 per month
• Deposits are free unless you pay for express delivery
• Kikoff, the parent company, also offers a credit building product

What Is The Oasis Cash Advance App & What Does It Offer?

Oasis is a new cash advance app from the credit building company Kikoff that lets users borrow money against an upcoming paycheck. If you need cash to pay rent, bills, or to just get by, these kind of apps are designed to hold you over until payday.

The app is similar to other apps in the space like Cleo and Dave. And all you need to sign up is your email. You then connect your bank account to the app, and Oasis lets you borrow $25 to $250 if you qualify for an advance. No credit check, and no interest on your advance.

How does Oasis know you’re not a risky borrower without checking your credit score?

Well, it analyzes your connected bank account to view your paycheck history. Based on your balance, income, and spending habits, it then determines how much you can advance. You then pay Oasis back automatically once you get your next paycheck.

So what about Kickoff, the parent company?

Kikoff is a credit-building app that you can use if you want to improve your credit score. The app basically gives you a credit line of up to $750, with a simple catch—you can only spend it in the Kickoff store. You can then improve your credit score over time by having a lower utilization rate and making on-time payments.

Get $500 By Tomorrow With These Methods.

Oasis Cash Advance Fees & Requirements

Oasis charges a $9.99 monthly membership fee if you want to unlock cash advances. This is how the app makes money without charging interest on advances. You can also pay an instant deposit fee if you need money now, which costs anywhere from $0.99 to $3.99, depending on the size of the advance.

Alternatively, you can wait a few business days for a fee-free advance. However, the membership fee is a bit steep. Apps like Brigit charge $8.99 per month, and EarnIn, our favorite advancing app, doesn't charge a membership fee.

Overall, Oasis is similar to a lot of advance apps out there. Just note you need to be 18 or older and live in the United States to sign up. You also need steady paychecks, so if you're not employed, you likely won't qualify for Oasis' cash advance.

Is The Oasis Cash Advance App Legit?

Oasis Cash Advance & Credit is legit and lets its members borrow up to $250 against a future paycheck. And while the app is new, it has a 3.6 star rating on the Apple App Store and over 862 reviews from members.

Most negative reviews come from users who report Oasis having trouble verifying their income and connecting to their bank account. But to be fair, it's a very new app. Many users are also happy with the service and their cash advance limit.

Only time will tell. But a good sign is how well Oasis responds to customer complaints. Here’s a very telling review: one user wrote “Updating My Rating,” and explained that they previously left a low rating because of issues with detecting income. “They have since fixed the issue in their latest update!” This user updated their rating to five stars.

The Best Free Apps Paying Real Money Instantly.

Pros & Cons

Pros:

• Oasis doesn't charge interest on cash advances
• No credit check requirement
• No advance fees if you wait a few days
• Kikoff also offers credit building tools

Cons:

• Expensive monthly membership fee of $9.99
• Lower cash advance limit than competing apps like Dave and EarnIn
• Some users report bugs with connecting their bank accounts to Oasis
• No other tools offered besides cash advances

What Are Some Good Cash Advance Apps Like Oasis?

We think Oasis can be a useful app if you need quick money in a day. But we also dislike how expensive its membership fee is.

Plus, as mentioned, there are plenty of other useful apps out there you can try, including:

• EarnIn (our top pick)
• Dave (best for side hustlers)
• Klover (best for low income)
• Super.com (best for cash back)
• Cleo (best for gig workers)
• Yendo (best for vehicle owners)
• Empower Cash Advance (best app with line of credit)

Keep in mind that the back-end risk analysis of these apps may all be different. If you need $50 or $100 and you can’t get it on one app, try them all. There is no hit to your credit. They just need to analyze your checking account and see how much you get paid, and when.

The Best Side Jobs That Pay Daily.

Is There Customer Service?

There is customer service, but it’s email-based: [email protected].

Final Thoughts

Is Oasis legit? Certainly. It’s a product rolled out by Kickoff, whose flagship app is holding the #44 spot in the finance charts. But a bigger question must be considered: is the Oasis Cash Advance App a good solution?

If you need $50 one or two times per year, the Oasis app is a great fix. But if you find yourself using it over and over again, you need a different solution: more income or tightening your spending (or both). Even more so, considering that Oasis membership will cost you $120 per year.

At WebMonkey, we much prefer EarnIn and Dave to Oasis. They cost less and have more built-in tools than you get with Oasis. Hopefully, this review helps you decide if this app is really right for you.

Want more ways to earn? Checkout:

• How To Save More Money Every Month.
• The Best $25 Loan Apps.
• Is MoneyLion Legit?
• The Best Apps To Get $100 A Day.

The post Oasis Cash Advance Review – Is It Legit & Worth Using? appeared first on WebMonkey.

Brigit is a popular cash advance app that has over 7 million users. And it lets members borrow money against an upcoming paycheck while also building their credit.

But is the Brigit app worth using? And how does this app compare to its competitors in terms of fees and features?

Our Brigit review is sharing how this app works, its pros and cons, and how to ultimately decide if it's the best choice for you.

Want more methods to earn fast cash? Checkout:

• EarnIn: Borrow up to $750 against an upcoming paycheck!
• Freecash: Play games and answer surveys to earn cash and gift cards!

Key Takeaways:

• Brigit is a cash advance app that offers interest free advances between $50 to $250
• The app also offers other financial tools that can help you save money and build credit
• Users must pay for Brigit Plus, which costs $8.99 per month, to take out a cash advance
• The app doesn't require credit checks and doesn't charge interest
• We think Brigit is good if you want to also build your credit, but isn't worth it just for advances

Is Brigit Legit?

Brigit is legit and has over 7 million users and is one of the most popular cash advance apps on the market. It's also highly rated, with a 4.1 star rating on Google Play and 4.8 star rating on the Apple App Store.

The app is similar to other borrowing solutions like EarnIn and Dave. And cash advances range from $50 to $250, which can help you out if you need to pay rent or bills with short notice.

The app is also known for its credit building tools. However, Brigit has recently come under scrutiny of the Federal Trade Commision (FTC) for misleading business practices regarding their loans. And most negative reviews come from users who are unhappy about fees or their low advance limits, so keep this in mind.

What Is Brigit & What Does It Offer?

Brigit is a financial services app that specializes in cash advances and helping people improve their credit score.

The company has over 7 million members, and its app is available for Android and iOS. Signing up just requires your email, and there's no credit check requirement. If you're 18 or older and live in the United States, you can become a member too.

The app is best known for its cash advance feature. It has a relatively small limit of $50 to $250 per paycheck period, which is similar to options like Cleo and Super.com. So, you can use the app to borrow money against your future paycheck to help make ends meet.

There's plenty of other tools too, so I'll cover Brigit's main features and then its pricing structure.

Brigit Instant Cash

Brigit offers cash advances between $50 to $250 without charging any interest or running a credit check. And you can get your advance within a few minutes if you pay an express deposit fee.

You have to connect your bank account to your Brigit account to qualify for an advance. Brigit reviews bank accounts and assigns a score based on the health of their account, their past spending behavior, and your earnings history. Users need a score of 40 or higher to qualify for a cash advance from Brigit.

The higher your score, the more you can advance. Users who repay their Brigit loans promptly can be eligible for larger cash advance loan amounts  in the future. And there's even an auto-advance feature that can help you avoid overdraft fees by advancing money for you.

Just note you need regular paychecks coming in every month from the same source to qualify for an advance. If you're a gig worker or unemployed, you likely won't qualify for a Brigit cash advance.

Brigit Credit Builder

Brigit's Credit Builder is its other main tool alongside cash advances.

With this account, you decide how much money to set aside each month. Brigit reports this “saved” amount as repayments on a credit builder installment loan to all three major credit bureaus, Experian, Equifax, and TransUnion.

As you successfully put money aside, you can increase your credit score. And at the end of your loan term, Brigit gives your savings back to you.

This account costs as little as $1 per month and doesn't run a hard credit check. You might see a small dip in your score when you first open an account, but on-time payments should slowly increase your score.

This feature also comes with up to $1 million dollars in identity theft reimbursement. This includes lost wallet assistance and restoration services. But the main point of this product is to improve your credit score.

Pro Tip: Get your updated credit score and ongoing monitoring from CheckFreeScore!

Financial Helper

Trying to stick to a budget and looking for tools to help? Brigit has a feature that can keep an eye on your earnings and habits.

The Financial Helper feature is available on free Brigit plans. You just connect your bank account to Brigit for a breakdown of your spending habits, upcoming bills, and a category-breakdown of your expenses.

I think budgeting apps like Rocket Money are better if you're just looking for budgeting help. But it's nice that Brigit encourages its members to save extra money.

The 20+ Best Reward Apps To Save.

Brigit Earn & Save

Brigit's Earn & Save tool helps people find new side hustles and ways to save money. This includes part-time gigs, paid surveys, gig economy jobs, passive income ideas, and much more.

This is useful if you're brand new to hustling, but a lot of the ideas are ones you've probably heard about. You can also check out our official side hustle database for a more comprehensive list.

How Much Does Brigit Cost?

Brigit has 3 pricing plans available, a free plan, a plus plan, and a premium plan. Here's how the price plans differ to help you pick the plan for you:

As you can see, you need to pay at least $8.99 per month for Brigit Plus to unlock cash advances. This is why the team at WebMonkey prefers EarnIn, since it doesn't charge membership fees and has a $750 limit.

That said, Brigit doesn't ask for tips like many of its competitors. It doesn't charge interest or late fees either. However, it charges Express Fees of $0.99 to $3.99 based on your advance amount if you want your money instantly. Otherwise, you can wait a few business days for a free cash advance.

Brigit Cash Advance Requirements & Eligibility

Brigit's cash advance requirements you need to meet to be eligible for an advance include:

• Being a legal resident or citizen of the United States
• Being 18 years or older
• Having a checking account that is at least 60 days old with a partnering bank
• Having account balance must be larger than $0
• At least 3 recurring deposits from the same source per month
• Having a cash balance after receiving a paycheck to show you can pay back the advance

While Brigit does partner with over 6,000 credit unions and banks, not all banking institutions qualify. When completing their form, if your bank does not appear, Brigit does not support your bank at this time. 

Individuals who have irregular pay period schedules or who receive paper checks or cash transfers do not qualify for Brigit cash advances at this time. In this case, we suggest trying Cleo or Klover since both these apps have more lenient requirements.

Is Brigit Safe?

Yes, Brigit is safe and is a well established lending app that has millions of users. Despite a FTC settlement regarding lending practices, users seem mainly pleased with the services they have received from this company.

Brigit does collect customer data and uses it for some marketing purposes including with their partners. Not all users may be comfortable with this, so keep this in mind before signing up.

How Does The Brigit App Work?

Want to apply for a cash advance from Brigit? Here’s how the steps from from start to finish:

1. Download the Brigit app from the App Store or Google play
2. Create a free Brigit account which includes connecting a bank account
3. Brigit reviews the account and give you a score that determines the amount of your cash advance
4. Users who qualify need to subscribe to one of the Brigit paid plans
5. Brigit tells you your cash advance limit
6. Users confirm repayment information 
7. If the user agrees, the cash advance will be sent via the bank account
8. A notification reminder will be sent 1 day before the payment is due
9. Brigit will withdraw the amount of the cash advance for repayment on the scheduled date

Pros & Cons

Pros:

• Brigit doesn't require a credit check
• Offers numerous features besides cash advances
• Decent $50 to $250 advance limit
• Low express deposit fees

Cons:

• Brigit requires a paid monthly plan for most fees
• Expensive monthly plans
• Not all users qualify for cash advances

The Best Apps Like Brigit

If you're looking for a solution to build your credit and take out advances, then Brigit could be for you. However, we think its monthly Plus plan is a bit expensive if all you want are advances.

Plus, there are plenty of great Brigit app alternatives, including:

• EarnIn (best overall)
• Cleo (best for gig workers)
• Super.com (best for cash-back)
• Dave (best for side hustlers)
• Yendo (best for vehicle owners)
• Current (best for banking/saving)
• MoneyLion (best for personal loans)

Again, EarnIn is our number one pick at WebMonkey. But Brigit is setting itself apart from the competition with its focus on credit building.

The Best Ways To Get $500 Dollars By Tomorrow.

Other Brigit App Reviews From Customers

On Trustpilot, Brigit has an excellent level rating with 4.5 out of 5 stars. Reviewers seem pleased with Brigit’s customer service and the prompt speed in which they receive their loans. And most negative reviews come from users who have issues connecting their bank account or qualifying for an advance.

Brigit has a B rating with the Better Business Bureau with 4.13 out of 5 stars. Reviewers here seem to have more frustrations with Brigit, primarily because the app did not give them as much money as they had hoped.

Is There Customer Service?

To contact Brigit customer service, you can communicate with their chatbot (known as Jess). You can also email Brigit directly at [email protected] or call them at (855) 885-5522. HelloBrigit is active on social media and you may be able to send them a message there as well.

10+ Ways To Get $1,000 In 24 Hours.

Is Brigit Worth It?

Brigit is worth it if you want an effective cash advance app that also helps you build your credit score. However, if you just want an advance, we think there are more affordable options on the market.

Brigit Plus' $8.99 monthly fee is a bit steep. Again, it could be worth it if you also want its credit score products, but as a standalone cash advance app, we prefer EarnIn.

Hopefully, our Brigit review helps you decide if this is the right financial app for you.

Want even more ideas to earn and save? Checkout:

• The Best Income-Generating Assets.
• How To Escape The Rat Race.
• Oasis Cash Advance App Review.
• How To Make A Guaranteed $100 A Day.

The post Is Brigit Legit & Worth It? – Our Honest Review appeared first on WebMonkey.

Need a quick cash advance before your paycheck comes along? Klover is a legit app that can help, offering up to a $200 cash advance and a unique point system that lets you increase your advance limit.

But how does Klover stack up to some of its competitors? And is this app worth using?

Our Klover review is covering how it works, its fees, and what you need to know before signing up.

Key Takeaways:

• Klover offers small cash advances of up to $200
• There's no interest on advances or credit check
• Klover’s unique points system lets you increase your cash advance limit over time
• Daily cash giveaways give you the chance to win up to $100
• For $4.99 per month, Klover+ provides credit monitoring, Amazon gift card cashouts, and other perks

Is Klover Legit?

Klover is 100% legit. In fact, it’s one of the most popular cash advance apps on the market, with a 4.7 star rating on the Apple App Store and 4.6 star rating on the Google Play Store.

Members like how easy it is to use and the lenient advance requirements are. And while it has a lower cash advance limit than competitors like EarnIn and Dave, it offers a unique point system you can use to increase your limit.

We still don't think Klover, or any cash advance app, is a long-term solution for making it between paychecks. But if you're struggling financially or need money to pay rent and other bills, Klover offers an effective, affordable solution. 

What Is Klover & What Does It Offer?

Klover is a cash advance app that lets you borrow up to $200 before your paycheck arrives. And its goal is to help its members manage their finances more easily and avoid going into debt with expensive options like personal loans or payday loans.

The app is similar to other cash advance apps like Cleo and Super.com. You connect your bank account to Klover so it can analyze your paycheck history to determine how much you can advance. There's no credit check to do so, which I really like.

From there, you can slowly increase your limit as you share more data with Klover. You can also earn points by completing various tasks to increase your limit.

Once you receive a paycheck, Klover automatically withdraws the amount of your advance from your bank account. If you use points only for your cash advance, you must pay back the advance in full within 7 days. Otherwise, it’s due on your next paycheck.

Klover also offers a premium membership and daily cash giveaways to help you get more out of the app, which I'll explain in more detail below.

Klover Cash Advance Boosts

Most Klover users start with a $100 cash advance limit when they sign up for the app. However, you need to link your bank account and let Klover analyze your payment history to get your advance limit. Not everyone qualifies, and again, you likely won't have a $200 starting limit.

From there, you can earn points to increase your cash advance limit. Getting more paychecks and increasing your on-time payment history can also gradually boost your limit.

Here’s what you can do on Klover to earn points:

• Signing up for Klover and connecting your bank and debit card accounts
• Watch up to 50 video ads per day
• Save more money each month
• Take surveys for variable points
• Scan receipts of purchases made with your linked debit card
• Share your location
• Sign up for offers for variable points
• Link your shopping accounts for stores like Kroger and Target
• Play games
• Spin the points wheel 

Every 200 points you earn equals a $5 cash advance increase. So, earning 1,000 points can increase your cash advance by $25.

This is a pretty unique system since most of Klover's competitors just use paycheck history to determine your limit. I like that Klover is almost like a gpt site mixed with a cash advance app, so even members with limited payment history can increase their limit.

Klover+

When you sign up for Klover, you have the option of signing up for a free one-month trial of Klover+, the premium membership. With a Klover+ membership, you get everything the free version of Klover offers plus the following benefits:

• Credit monitoring
• Price comparisons in real time
• Financial advising from finance experts
• Extra points earned for reaching savings goals
• Turn points into Amazon gift cards

Klover+ costs $4.99 per month, and you can cancel your membership at any time through the Klover app.

I think earning free gift cards and accessing financial advice could be worth the $4.99 fee. But it all depends on how often you use Klover and if you make your money back on the membership fee.

Get started with Klover!

Budgeting Help

Klover also has some basic budgeting tools to help you get your finances on track. This includes creating and tracking saving goals and monitoring your credit score if you're a Klover+ member.

I like that you earn extra points for hitting your saving goals. However, budgeting apps like Rocket Money or YNAB are certainly more robust than Klover when it comes to budgeting.

Daily Cash Giveaways

In addition to using your Klover points to get cash advances, you can also spend your points to enter daily cash sweepstakes. Every app user gets one entry ticket per day, but you can also pay 50 points to get an additional sweepstakes entry. Each day, one winner receives $100, and five winners each receive $20, so there are six opportunities to win daily.

This is a nice opportunity to get free money if you get lucky. But I wouldn't bank on winning since Klover has millions of downloads and members.

These 20+ Free Money Apps Pay Instantly.

Klover Fees & Pricing

Klover is free to download and use. You also won’t get charged any interest on its cash advances or late fees if you aren’t able to pay your cash advance on time. Rather than late fees, you simply can’t request another cash advance until you pay off your current one.

There are some fees to be aware of, though, as you use Klover. The first is an express fee if you choose to have an instant payout of your cash advance. Regular cash advances with no fees arrive in your bank account in about three business days. With an express advance, you’ll get paid instantly, but at a cost. The fee for express advances depends on the amount of the advance, starting at up to $1.49 for a $5 advance and ranging up to $20.78 for advances of $100 or more.

Another optional fee is a tip for Klover when you get a cash advance. You are invited to pay up to 20% of the amount you borrow, but there’s no obligation to tip anything. 

The last fee is for Klover+, which costs $4.99 per month. This is another optional fee; you aren’t required to sign up for Klover+ to use the Klover app.

Klover Cash Advance Requirements

Klover doesn’t work the same as a loan lender, so there aren’t as many requirements needed to get a cash advance. Klover won’t even check your credit to approve your cash advance. To sign up for a Klover account and be eligible for a cash advance, you’ll need to:

• Be a U.S. citizen
• Be at least 18 years old
• Have a valid, active checking account and debit card connected to that account
• Provide your name, email, and a valid home address
• Checking account with a linked debit card

Klover also checks a few things regarding your employment and pay history before issuing a cash advance. This is to ensure that you can pay back your cash advance on time.

• You have at least three direct deposits from the same employer sent to your connected checking account within the last 60 days. Those deposits must also be consistent.
• You don’t have any pay gaps.
• You’re paid weekly or biweekly, 7-14 days apart.
• Pay deposits must be from a legitimate company, not a lender or paycheck advance company.
• Your checking account must be in good standing for at least 90 days.

The Highest Paying Apps To Make Money With.

Is Klover Safe?

Klover is safe, and the app encrypts data to protect users and doesn't require spending money to use the app. However, you have to be comfortable with linking your bank account and sharing your financial data with Klover to use its app.

Aside from Klover+ fees, express payment fees, and tips, Klover sends its users’ data to other companies. This allows the app to make enough money to offer cash advances. So, anything you do on the app to earn points and any information you give in the process may be sent along to Klover’s partners, including your bank account activity and web search history.

To be fair, Klover is extremely transparent about this on its website:

“We believe every American has the right to financial freedom –– and we can help them get there. We give you all the right tools, and take away the fees. Instead, we leverage our customers’ most valuable asset –– their data.”

Still, if you’re concerned about data privacy, Klover may not be the app for you. The good news is that you can email the support team or fill out an online form—both are linked in the company’s privacy policy—to opt out of data sharing or delete your data altogether from Klover.

How Does Klover Work and How Can I Get Started?

Ready to get started with Klover? Here’s how to set up the app and use it for your first cash advance:

1. Download Klover from the Google or Apple App Store.
2. Create your account following the app’s instructions. 
3. Enter and verify your phone number. 
4. Connect your bank account securely using Plaid.
5. Enter your full name and address.
6. Link your debit card for your bank account. Be sure to uncheck the box if you don’t want a free one-month trial of Klover+.
7. Klover will determine if you are eligible for a cash advance based on your bank account information. If you are, you’ll see your cash advance limit on the app. If not, you can use the app’s bonus points system to earn points toward a cash advance.
8. Once you have an available cash advance, request it using the button on the app. Choose whether to get a regular advance or pay a fee for an express payment.
9. Klover will withdraw the amount of your advance on your next payday if you are eligible for a non-point cash advance. Points cash advances get withdrawn from your bank account in seven days.

Pros & Cons

Pros:

• No interest or credit check on cash advances
• The app is free to use
• Numerous ways to increase your cash advance limit
• Some basic budgeting tools
• Chance to win cash prizes

Cons:

• Lower cash advance limit than many competing apps
• Express fees are very high

What Are The Best Apps Like Klover?

We think Klover is a good app to use if you have limited earning history and are willing to use its points system to increase your limit. However, it's far from your only option.

Several other alternatives to Klover you can consider include:

• EarnIn (best overall cash advance app)
• Dave (best for side hustlers)
• Cleo (best for gig work)
• Yendo (best for vehicle owners)
• Brigit (best for building credit)
• Super.com (best for games and surveys)
• Empower (best for line of credit)

Of course, you can always turn to other options, like starting a new side hustle, to get quick cash. But these apps provide a viable way to hold yourself over until your next payday.

Proven Ways To Get $500 By Tomorrow.

Other Klover App Reviews From Customers

As of this writing, Klover has a 2.8/5 rating on Trustpilot and an A+ rating with the BBB. The app is also highly rated on both app stores and is even the #43 most popular finance app for iOS.

The most common complaints about Klover target its general usability. Some customers say they’ve had issues connecting their retail accounts or debit cards to the app, rendering it basically unusable. Others mention that the app’s point system needs work, as it requires you to complete several tasks to accumulate few points for each task. Some reviewers also say they did not successfully receive the points and cash advances they should have qualified for.

Not all reviews are negative, though. Some Redditors have had great experiences with Klover, noting that they’ve successfully cashed out points for Amazon gift cards and cash advances. And members like the point system since it helps them increase their limits.

Is There Customer Service?

Yes, Klover has customer service. You can find a “Help” button in your account in the app to send a support request to the team during support after-hours. If you use this feature from 9:30 AM to 5:30 PM CST, you can chat directly with a Klover support specialist. Alternatively, email [email protected] for non-urgent support requests Monday through Friday.

Is Klover Worth It?

If you occasionally need a small cash advance to tide you over until your next paycheck, Klover might be an option for you. And I like its lack of mandatory fees and creative points system.

The downside is that Klover survives by sharing your data with its advertising partners. You’ll need to give the app a lot of information to get going, so if you’re concerned about data privacy, Klover may not be for you.

Hopefully, this Klover app review helps you decide if this app is right for you!

Want even more ideas to make money? Checkout:

• How To Get $1,000 In A Day.
• How To Make $500 A Day.
• The Best Apps To Earn $100 A Day.

Frequently Asked Questions

Will Klover Overdraft My Account?

Klover tries to avoid overdraft fees. Klover’s cash advances are typically due on your next payday, so it will only withdraw your cash when it should be in your account. For 7-day cash advances, Klover only withdraws up to what’s in your account and attempts to withdraw the rest of your advance only when you have more money hit your account. However, your bank might approve a transaction from Klover when there isn’t enough money in your account, which can lead to overdraft fees.

Does Klover Impact My Credit Score?

Klover does not require a credit check, so you won’t get new inquiries on your credit report when you request a cash advance. However, if you don’t pay back your Klover cash advance, Klover has the right to send your debt to a collection agency, which may impact your credit.

The post Is Klover Legit & Worth It? Our Honest Klover Review appeared first on WebMonkey.

Yendo is a new secured credit card that uses your car as collateral and its value to determine your credit limit. And it's a useful tool for gig workers and individuals looking to leverage their vehicle to borrow.

But is Yendo legit? And is this credit card a good solution if you need quick money?

Our Yendo review is sharing how this card works, its requirements, and how to ultimately decide if it's right for you.

Want more fast money ideas besides Yendo? Checkout:

• EarnIn: Borrow up to $750 against an upcoming paycheck!
• Current: Earn 4% APY and take out cash advances with this savings solution!

Key Takeaways:

• Cardholders can access $450 to $10,000 depending on the value of their car
• There’s no minimum credit score you need to apply
• Cards available for both owned and leased cars
• Cardholders must pay a $40 annual fee 
• All cards subject to a 29.88% APR

Is Yendo Legit?

Yendo is legit and offers customers credit based on the value of their vehicle and their ability to pay. Cardholders put up their car as collateral which guarantees payment, and Yendo reserves the right to collect on this and if needed, repossess the vehicle.

The company currently has an average rating of 3.2 stars on Trustpilot. Many positive reviews enjoy Yendo's high credit limit and the fact that it also offers cash advances. However, some negative reviews come from users who don't qualify for Yendo.

Depending on the individual and the value of the vehicle, Yendo offers consumers a credit limit up to $10,000. It’s worth noting that no one is ever guaranteed to qualify for this amount and each applicant will be evaluated individually.

How To Get $1,000 In 24 Hours.

What Is Yendo & What Does It Offer?

Yendo is a secured credit card company that began in 2021. The company lets vehicle owners use their cars as collateral to secure their credit limit, which is pretty innovative.

Unsecured credit cards let consumers access credit without having to put down any kind of security deposit or collateral. A secured credit card, on the other hand, requires the card holder to put up some kind of collateral that helps guarantee their payment. If for some reason the cardholder can’t make their payments, they would then have to forfeit this collateral.

According to Yendo, all credit scores can apply. Pre-approval only takes 2 minutes too. If you need quick money and find that a traditional secured credit card doesn't provide the limits you need, Yendo could be a viable alternative.

This review will focus on how Yendo's credit card works. But the company also offers several other services which I'll cover below as well.

Yendo Credit Card

The Yendo credit card is a secured Mastercard that’s available to consumers who either own or lease their car and have enough value in it to be used as collateral.

Applicants go through an approval process where your credit and income are checked and your vehicle’s title and value verified. Once approved, you receive notification of your credit limit, which ranges from $450 to $10,000.

There's some slight differences in the application process if you own your car or if you're still making payments. You either transfer your auto loan or your title to Yendo. Yendo then becomes a lienholder on the title, but ownership remains the same.

After that step, you gain access to a virtual Yendo card. You also receive a physical card in the mail. You can use your card anywhere that accepts Mastercard, and making on-time payments helps you build your credit score.

Your first payment is due 25 days after your first statement. You must pay 1% of the current balance or $50, whichever is higher. The Yendo card also charges 29.88% APR and has a $40 annual fee, so keep this in mind.

Also note: pre-approval doesn't impact your credit score. But going through with the full approval process will involve a credit pull, which can impact your score.

How To Get $500 By Tomorrow.

Cash Advances

Yendo cardholders can also use their account for cash advances. To use this service, you can use your card at any ATM and withdraw up to $400 a day, though the maximum amount you can receive in total can be no higher than 50% of your credit limit.

If you need money to pay rent tomorrow or other urgent bills, this feature is quite useful. And it certainly beats turning to solutions like payday loans.

However, Yendo charges a 3% fee for this service. You might also face additional fees issued by the ATM.

For this reason, the WebMonkey team prefers apps like EarnIn, which offers up to $750 in a given pay period and doesn't charge expensive mandatory fees. You can also try Cleo if you're a gig worker or Dave or Super.com for more options.

Credit Building

Yendo reports your monthly payments to all three major credit agencies – Equifax, Experian, and TransUnion. If you have several successive on-time payments, it has the potential to improve your credit score.

However, this is likely more beneficial for those who have very little credit history to start with or have a very low score. Cardholders who already have a good credit score or an established credit history may not see any improvement, and in some cases may see a dip in their score. Additionally, if you fail to make on time payments, this too will be reported to the credit agencies and will eventually lower your score.

Pro Tip: Get your credit score report and ongoing monitoring from CheckFreeScore! This is an easy and comprehensive way to know your score and make a gameplan to improve it.

Auto Loan Refinancing

Yendo accepts members who don't own their vehicles and are still making loan payments. And during the application process, you can potentially transfer your loan to Yendo and refinance it along the way.

Yendo claims that the average cardholder lowers their monthly auto payment by $450. This is a pretty massive claim, and it's “based on the average monthly payment savings when comparing prior auto loan payment to new Yendo auto loan payment, with a 36-month repayment period.”

I'm not sure what Yendo customer loans look like on average, but $450 in extra savings per month is pretty massive. But again, not everyone qualifies for a Yendo card. And if you have an existing auto loan, you'll likely get a much lower Yendo credit limit that you slowly increase over time as you pay down your loan balance.

Referral Program

Current Yendo cardholders can recommend friends or family to the service by using the referral program.

After logging into your account through the Yendo app, you simply click on the “Get $100” button and you’ll see a referral link that you can then share with friends. If your friend is then approved for and signs up for a card, you will receive a $100 credit on your statement.

Our post on the best referral bonus apps has even more opportunities to snag free money if you're interested.

Yendo Credit Card Requirements

There are a few basic requirements to qualify for the Yendo credit card, including:

• Being at least 18 years old
• Owning or leasing your car
• Having a vehicle that was made in 1996 or later
• Having a valid email address and smartphone
• Having a Social Security Number or taxpayer ID number
• Living in one of the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Michigan, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, or Wyoming.
• Having an “income that can support your monthly obligations” (there’s no specific information on what the minimum income level an applicant needs)

Again, you can go through pre-approval without impacting your credit score. But not every applicant is approved, and your credit limit ranges from $450 to $10,000.

Yendo Fees & Pricing

Yendo cardholders must pay a $40 annual fee in addition to making minimum payments on their balance. Any remaining balance that’s carried over each month will accrue interest at a 29.88% annual percentage rate (APR).

If you pay off your balance in full each month, you don't have to make any interest payments and the only fee you’ll be responsible for is the $40 annual charge.

Get started with Yendo today!

Is Yendo A Title Loan? – How Your Credit Limit Works

No. Although a title loan works in a similar manner to Yendo’s credit card, they're not the same thing.

A title loan also allows you to access a line of credit or a short term loan based on the value of your car, but the terms usually require you to pay this back in full after about 30 days. Title loans are also only available to those who own their cars outright and are not an option for those who lease. Plus, title loans tend to have higher upfront fees than Yendo.

Both title loans and the Yendo credit card establish your credit limit or loan amount based on the valuation of your car, but Yendo also considers your income level. Lastly, Yendo allows its cardholders to pay back their balance over time.

The Best Instant $25 Sign Up Bonuses.

What Happens If You Don’t Pay Yendo Back?

For cardholders who aren’t able to make payments on their balance for whatever reason, Yendo claims it can help. So, if you’re unable to make your minimum payment, or if you’re having trouble meeting your payment obligations altogether, you should first stop using your card, and then reach out to Yendo. 

Yendo advises all its cardholders to contact its customer service team right away if they find they’re unable to make their minimum payment to work towards a solution. Although Yendo does retain the right to repossess your car due to nonpayment, it says this is their last option. It should be noted that any lien holder can use this as leverage to collect on outstanding payments which could mean losing your car.

Other Yendo Credit Card Reviews

Yendo receives mixed reviews from its customers. Positive reviews include comments on how easy the application process was and how fast they were able to use their new card and access cash. Negative reviews comment on deceptive advertising tactics and quoting initial credit limits that were much higher than they actually got when the approval process was complete.

Here are a few Yendo reviews we found on Trustpilot or social media for some examples:

“I just wanted to share my experience with Yenndo and how it's been a great opportunity for me to build some credit, as well as pay some bills that were coming up at an untimely event” – Jason T. Springfield, OR, Yendo review.

“It was an easy process and had access to funds immediately. Can make payments to keep open as needed. Would use again in a minute!” Customer review, Trustpilot.

“Saw an ad on YT and it literally says no credit check but yet they do check your credit so that's a lie to get you to their website. Then their site says that the credit check won't affect your credit which is also a lie as they do a hard inquiry not a soft credit check like Capital One. Very deceptive so I will not get credit with them as they have shady business practices off jump.” J W, Trustpilot.

Again, it's important to remember that while pre-approval doesn't impact your credit score, the full approval process can. And most cardholders won't qualify for the full $10,000 limit.

Pros & Cons

Pros:

• Easy application process
• Provides up to $10,000 in a credit limit
• Yendo also offers cash advances
• Yendo works with vehicle owners and leasers
• Pre-approval doesn't impact your credit score

Cons:

• Yendo has a $40 annual fee
• Many customers don't qualify for a high credit limit
• High cash advance fees
• Yendo isn't available in every state

Is There Customer Service?

If you’re interested in learning more about Yendo or are a current cardholder, you can contact the company by emailing [email protected] or calling (888) 532-0770. You can also issue a complaint at [email protected].  

Is Yendo Worth It?

Yendo is worth it for vehicle owners who want an alternative lending option that's available to all credit scores. And if you have a stable income and can make on-time payments, its card could be right for you.

However, any credit card requires responsible usage. If you have inconsistent income or aren't good at making on-time payments, Yendo probably isn’t the best choice because you’ll build up a lot of interest and may risk losing your car altogether.

Ultimately, we like that Yendo provides an innovative opportunity for vehicle owners and leasers. If you make money with Uber Eats or DoorDash or just want to use your vehicle to borrow money against, Yendo could be the solution you're looking for.

Want even more money-making ideas? Checkout:

• The Best Apps To Earn $100 A Day.
• Is Klover Legit & Worth It? Borrow Up To $200.
• The 20+ Best Free Apps Paying Instantly.

The post Is Yendo Legit & Worth It? – Honest Yendo Credit Card Review appeared first on WebMonkey.

Cash advance apps offer a quick and easy way to get money when you need it, and with over 5 million users, Dave is a legit and popular options.

With its ExtraCash feature, you can borrow up to $500 each pay period. It also offers a bunch of other financial tools to help you budget smarter and boost your income.

However, Dave isn’t the perfect fit for everyone. That’s why we’re breaking down everything you need to know in this review, from its key features and fees to the eligibility requirements and whether it’s actually worth using.

Want more fast money-makers? Checkout:

• EarnIn: Borrow up to $750 against an upcoming paycheck!
• Freecash: Get paid to download apps and for playing fun mobile games!

Key Takeaways:

• Dave is a popular cash advance app that lets members borrow up to $500 per pay period
• Users qualify for $160 in advances on average
• Dave charges a $1 monthly membership fee and has optional tips
• You can pay variable express fees for instant advances or wait several days for free advances
• Dave also offers a checking account, savings account, and a side hustle tool at no additional charge
• There's no credit check or interest charges

Is Dave Legit?

Dave is legit and is one of the leading cash advance apps on the market. It has a 4.8 star rating and 4.4 star rating on the iOS and Android app stores respectively. The company is also BBB-accredited and has an A- rating and is popular for its high advance limit and low fees.

At WebMonkey, we also think Dave is one of the best advancing apps alongside options like EarnIn and Cleo. And the app makes it easy to get quick cash to pay rent, bills, and other expenses.

However, it's worth noting that not everyone qualifies for a cash advance or the full $500 limit. And we don't recommend using apps like Dave endlessly since this can encourage a cycle of constant borrowing.

What Is The Dave App & What Does It Offer?

The Dave app is a mobile banking app that helps people “take their finances to the next level.” And the app provides its members with easier access to their paychecks plus helps them make and save more money.

The company launched in 2017 and has since grown to over 5 million members. However, Dave isn't a bank itself. Instead, the app partners with Evolve Bank & Trust to provide users with access to reliable, secure banking features.

Dave is best known for its ExtraCash cash advances, but the app also provides checking and savings accounts, plus a side hustle finder.

1. Dave ExtraCash

The main feature of Dave is its ExtraCash cash advance feature, which lets you borrow up to $500 against an upcoming paycheck – no credit check needed.

On average, new Dave ExtraCash users can get around $160 approved in just 5 minutes. All you have to do is link your bank account to Dave. The app then views your paycheck history to determine how much you're eligible to borrow.

The $500 limit is higher than what competitors like Cleo and Super.com offer, though it’s a bit lower than EarnIn’s potential $750 limit per pay period.

You can have the money deposited into a Dave Spending Account or your own checking account. Standard transfers take one to three business days, and you can use the cash as you please. When it’s time to pay it back, Dave automatically takes the money from your account.

Unlike a payday loan, Dave doesn't charge fees or interest charges for a Dave cash advance. However, while the app itself is free to download, you need to pay a $1 monthly membership fee to access the cash advance feature. And, if you want your money instantly, express fees apply based on the amount you’re borrowing.

An express transfer to a Dave Spending Account costs $3 to $15 and happens almost instantly. For a same-day transfer to an external account, it’ll cost you between $5 and $25, with the money arriving in less than an hour.

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2. Dave Spending

Dave Spending is a basic checking account with no hidden costs. It doesn't charge ATM fees, overdraft fees, account closing fees, or minimum deposit fees. And members can even get their paychecks up to 2 days early with this account.

There's no minimum balance requirement either. And the main selling point is that Dave Checking now pays 4% APY, so you can earn passive income with your idle cash.

On top of that, the account comes with a cashback Dave card (debit card) and budgeting tools to help you manage your money. It also has a new round-up tool that lets you round-up purchases to the nearest dollar to set the extra money aside in savings.

Overall, opening a Dave Spending account could be a good move since it’s makes Dave's cash advances cheaper and faster.

However, if you just want a bank account, you should check out Current. This no-fee banking solution has a $50 bonus and also pays 4% APY. Alternatively, use tools like Raisin to find and compare the top savings products on the market.

3. Dave Goals Account

Dave Goals was created to help you save for a specific goal, like a new car, house down payment, or family vacation. It's a high-yield savings account that also pays 4% APY on savings.

There aren't minimum deposit requirements or hidden fees, and you can take out your money whenever you need it – even if your goal hasn't been reached.

Just note Dave's Goal Account has a maximum deposit limit of $25,000. Interest also accrues daily but is paid out on the first of each month.

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4. Dave Side Hustles

One more Dave feature we love is its side hustle tool. This tool lets members take instant-pay surveys right in the app – the more surveys you complete, the more you can earn.

Dave also helps members find a variety of gigs, including:

• Online jobs
• Temp work
• Part-time jobs
• Work-from-home opportunities
• Gig work

You can search and apply for side jobs and work-from-home opportunities right from the app, and there are plenty of options to choose from.

If this sounds up your alley, we also recommend checking out our side hustle database and list of 30 ways to earn money online fast for even more options than Dave provides.

Dave Fees & Pricing

Dave charges a mandatory $1 monthly membership fee to access cash advances and its other features. You can leave optional tips when you take out an advance, but this is isn't required. Dave doesn't charge any interest, late fees, or hidden costs either.

The only other fees are instant transfer fees, which vary from $3-$25 depending on the amount of the advance and transfer method. If you're transferring to a Dave Spending account, express transfer fees are 3% of the total advance (minimum $3). For transfers to an external bank account, the fee is 5% of the advance (minimum $5).

Instant transfer fees are optional. If you don't need funds instantly, you can choose to wait the standard one to three business days to receive your cash advance. Overall, we think Dave is much more affordable than most cash advance app competitors.

Dave Cash Advance Requirements

Dave strives to make it easy for anyone to get a cash advance. It doesn't run a credit check, and instead analyzes your checking account activity to get a sense of your income and spending habits. It then decides if you qualify for an advance and how much you can get.

Here are the Dave cash advance requirements you need to qualify:

• Monthly deposits adding up to at least $1,000
• At least three recurring deposits per month
• An external bank account with a positive balance and active for 60 days minimum
• To reside in the United States with a Social Security number
• To be 18 years old or older

If you're a gig worker, freelancer, or have a lower monthly income, you can check out Cleo instead. Cleo only advances up to $250 but has much more lenient requirements.

How Do You Pay Dave Back?

Dave makes repayments easy by automatically deducting them on your scheduled date. There's no need to take action or manually pay your Dave loan back. You don’t have to worry about missing a payment or keeping track of due dates – Dave handles everything for you.

It works like this: when you take out a Dave cash advance, your ExtraCash account balance shows as negative, indicating how much you borrowed. On the repayment date you select, Dave automatically withdraws the owed amount from your linked checking account, bringing your balance back to zero.

Also note: if you can't pay back your full balance, Dave runs partial settlements. This is pretty lenient and also helps users avoid going into overdraft.

How Does The Dave App Work?

So, how does Dave work? Dave makes it easy to apply for and request a cash advance. Follow these simple steps to get a Dave cash advance:

1. Download the Dave app and sign up. You can get the Dave app for free from the iOS or Android app store. Creating an account only takes a few minutes.
2. Link your bank account and open a new Dave ExtraCash account. You can also open a Dave Spending account for cheaper, faster instant cash advances.
3. See how much you can borrow. Once you connect your bank account, Dave will use your activity to determine your eligibility and how much to approve you for. The amount you’re approved for depends on many factors, like your monthly income, and it can change frequently – sometimes, even daily.
4. Request your cash advance. Just tap “Get Cash” on the Dave ExtraCash screen in the app. You can transfer the advance to your Dave Spending account or an external checking account. If you want, you can add a tip or choose express funding for an extra fee. Then, agree to the terms and pick a repayment date.
5. Pay it back. On the repayment date you chose, Dave will automatically pull the funds from your account to settle your balance.

Get started with Dave today!

Pros & Cons

Pros:

• High cash advance limit of $500
• Lack of fees and simple $1 monthly membership plan
• Competitive interest rate on its checking and savings account
• Numerous budgeting and saving tools
• Easy app to use
• Helps members find new side hustles

Cons:

• Dave is only available in the United States
• First-time users qualify for $160 in cash advances on average
• High express advance fees
• Some negative reviews from customers about cash advance service and customer service

The Best Apps Like Dave

We think Dave is one of the most popular apps in its category for good reason. But it's far from your only option.

Some of the best apps like Dave you can also try include:

• EarnIn (best overall)
• Cleo (best for gig workers)
• Super.com (best for side hustlers)
• Yendo (best for vehicle owners)
• Current (best bank with cash advances)
• Brigit (best for building credit)
• Klover (best for low-income individuals)

EarnIn is our top pick due to its lack of fees and high $750 potential limit per pay period. And Cleo is our favorite for gig workers. But you can try out several of these apps to see which one gives you the best advance limit.

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Other Dave App Reviews From Customers

Dave has stellar reviews on both the iOS and Android app stores. However, opinions are more divided elsewhere online. Despite the app's popularity and BBB-accreditation, Dave holds a low 1.15-star rating based on 421 customer reviews on the BBB website.

Positive feedback often talks about how simple and convenient it is to request a Dave cash advance through the app. However, many users have reported trouble reaching customer service. Another recurring complaint involves frequent, unpredictable changes to cash advance limits.

One of the more concerning complaints among reviewers is that Dave sometimes withdraws the repayment amount earlier than expected. While Dave’s automatic repayment feature is convenient, it has led to reports of unexpected overdrafts and financial strain for some.

While Dave is praised for its ease of use and many users have no problems, there are potential issues with the app that you should be aware of before signing up. And remember: you have to pay your cash advance back, so this isn't free money or a grant. Be responsible with your spending and saving so you don't fall into debt.

Is The Dave App Safe?

Dave is a safe app. While it’s always wise to be cautious about sharing your bank account info and personal details, Dave needs this information to deposit your advance and figure out how much you qualify for.

They employ top-notch security measures to protect your account and money. These measures include transaction alerts and 24/7 fraud monitoring. Plus, all Dave Spending accounts include FDIC-insurance up to $250,000 in case of bank failure.

Is There Customer Service?

Yes, Dave has customer service. You can get assistance straight from the app, via live chat. Or, you can use the Contact form on the Dave website. In case of a dispute, you can email [email protected] or call the number on the back of your Dave card.

Dave also has a dedicated Help Center on their website, if you just need some quick answers to FAQs or help with basic issues.

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Is Dave Worth It?

Dave is worth it if you want an affordable cash advance app with a high advance limit. It's also worth using if you're on the market for a new checking and savings account and want to earn significant interest.

Whether it’s an emergency bill or surprise cost that pops up before payday, Dave offers a safer and more affordable alternative to payday loans or high-interest credit cards. Just remember, it’s not a solution for ongoing financial issues – think of it as a safety net for those one-off moments when you need a little help.

Compared to other cash advance apps like Cleo or Brigit, Dave offers a high cash advance limit. And, its monthly membership fee is extremely cheap. For just $1 per month, you can borrow up to $500 without worrying about interest charges or hidden fees.?

However, Dave does have some downsides. Their express transfer fees are on the pricey side, when compared to similar apps. So if you’re in a rush, it might be worth exploring other options – like EarnIn, which offers a higher cash advance limit up to $750 without a monthly subscription fee.

Get started with Dave today!

Looking for more money-making guides? Checkout:

• The Best Instant Sign Up Bonuses No Deposit Required.
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• The Best Secret Websites To Earn Money.

Frequently Asked Questions

How long do you have to pay Dave back?

Usually, you have until your next payday or the Friday closest to the date you took out the cash advance. If you don’t have enough in your account on the repayment date, Dave will withdraw portions until the full amount is paid off.

Should you need more time to pay, you can make an extension request – up to 30 days. Just make sure to ask at least two days before your scheduled repayment date. Be aware that you won’t be able to request another advance until your current Dave ExtraCash balance is fully repaid.

Does the Dave app impact my credit score?

Nope, using Dave won’t affect your credit score. Dave doesn’t run a hard or soft credit check or report your activity to the three major credit bureaus. So, even if you’re late paying back a loan, your credit score stays the same.

The post Is Dave Legit? – Our Honest Dave App Review appeared first on WebMonkey.