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Best Instant Cash Advance Apps for Bad Credit

When you need money fast and have bad credit, borrowing can be a daunting task. To avoid that and the high fees of bank overdrafts, an instant cash advance app like Line could be a lifesaver. Read on to know the benefits.

Still betting on the generosity of your flatmate to tackle that month-end cash crunch? What you need is an instant cash advance. But can you get instant cash when you have bad credit? Yes! Read on to know how.

In this article

Bad credit can dampen your spirit, especially if you’re facing a cash crunch. Thankfully, there are instant cash apps like Line that can help you when you’re in need and have bad credit. There can be nothing more stressful than the crushing realization that you need more money than what you have in your bank account and that you need it urgently!

You think about borrowing a little to tide you over until payday, and immediately consider getting a credit card. But credit card companies will not overlook your bad credit. So, what do you do when you want an instant cash advance but have a bad credit score?

What Are Instant Cash Advance Apps?

Cash advance apps are among the quickest ways to get an instant cash advance online with bad credit, for one-time emergencies. Unlike other borrowing options like credit cards or personal loans, these apps do not charge high interest or refuse you on the basis of a low credit score. They may charge a subscription or fast-funding fee instead. Some might ask for the optional tip. Cash advance apps such as Line, in particular, offer easy and quick fixes in emergency situations.

Best Instant Cash Advance Apps for Bad Credit

Here are some of the best cash advance apps that give you money despite having bad credit.

  1. Line
  2. Earnin
  3. Chime
  4. Brigit
  5. MoneyLion
  6. Empower
  7. Dave
  8. Vola
  9. Albert
  10. Current


Need cash now? Even if you are struggling with bad credit, instant cash is within reach, thanks to Line. There are no credit checks, no income restrictions and no due date to trouble you! Get between $20 to $1,000 instant cash when you qualify. Pay it back when you get paid. Line has you covered when you face financial emergencies and have bad credit. When you pay back, you can increase your Line amount. Get instant cash when it matters without any interest charged on it. Subscription plans start as low at $2.47 per month. Additionally, get smart budgeting tips, credit monitoring, $1 million identity theft protection, overdraft protection and other tools to save, spend and plan better.


Earnin is a payday advance app with an instant lending system. It tracks the number of hours you have worked and allows you to access credit from your projected earnings. The app alerts you in case your bank account balance is low. Any credit amount between $100 and $750 can be borrowed and is credited between 1-2 business days. If you want instant cash, you have to choose Earnin’s Lightning Speed feature, which costs $0.99 to $3.99, depending on the sum borrowed.


The Chime app offers checking and savings accounts with overdraft protection through its SpotMe feature. SpotMe allows you to overdraw up to $200 on debit card purchases without incurring a fee. You need at least $200 in qualifying direct deposits to your Chime account every month to qualify for SpotMe. With Chime, your account can go negative up to your approved amount, and purchases that put you below that will be declined.


Brigit is a budgeting app that can get you up to $250 within the same business day or the next. To get the cash advance, use the paid plan which has all the features of the free plan plus cash advances, overdraft coverage and credit monitoring. You can also use the app’s free plan, which offers free access to financial advice and budgeting help from experts. The paid plan is $9.99 per month. You can extend your repayment date on the app, but only once for every two advances that you pay back on time.


With MoneyLion, you can get a credit of $50 to $250 in 3-5 business days. If you have a RoarMoney account, you can get money within 1-2 days and even access larger amounts. You can also opt to have your money in minutes or a few hours by paying a Turbo Fee which ranges from $0.99 to $7.99 depending on the amount and account to be credited to. Besides this, MoneyLion has features like financial tracking and investment accounts.


The Empower app offers budgeting tools and bank accounts, besides cash advances of up to $250, typically within one day. App users can even get funds within one hour by paying an instant delivery fee. Empower has a feature for automatic savings that allows users to select an amount for the app to transfer from their checking to savings account or ask the app to save for them using artificial intelligence. There is a mandatory $8 monthly subscription fee after a 14-day free trial, but no interest or late fees.


The Dave app lets you borrow up to $500 while you wait for your next paycheck or avoid overdrawing your bank account. To be eligible, users must open an ExtraCash account. There is a $1 monthly membership fee and a $1.99 to $9.99 express fee for Dave checking account holders to get the advance in one hour. If the money is being transferred to a non-Dave bank account, the fee is $2.99 to $13.99.


Vola helps you get an instant cash advance for bad credit. The apps offers same-day cash advances of up to $300 with no credit check. The processing time is up to five hours, and the subscription fee ranges from $2.99 to $28.99. The only downside to this is there is a mandatory five-day cool-off period between repayment and requesting the next advance.


Albert offers instant cash advances to resolve month-end cash problems and auto repayment without any late fee charges. You can borrow up to $250. The processing time for this is two to three days. If you want it instantly, you may get it by paying a nominal fee. Otherwise, it’s free. Also, there are no fees to advance cash instantly if you advance it to Albert Cash.


Current offers app-based checking and savings accounts. Though it is not technically a cash advance app, it offers overdraft protection to customers who overdraw from their accounts. Users receiving at least $500 in eligible monthly direct deposits can get a $25 fee-free overdraft protection of up to $200. It has no monthly fees or overdraft fees. All it requires is a minimum monthly direct deposit.


When you need money fast and have bad credit, borrowing can be a daunting task. To avoid that and the high fees of bank overdrafts, an instant cash advance app like Line could be a lifesaver. Use Line to meet emergency expenses and get an instant cash advance on the app even if you have bad credit. You can get the maximum help possible from the Line app. Line’s instant cash advance does not require any credit checks or have any income restrictions or hidden charges. It works as an emergency channel of funds available to users who qualify and maintain an active subscription. With additional benefits like free credit monitoring, $1 million identity theft protection, smart budgeting tips and completely free tax filing for federal and state taxes, Line is the place to get instant cash for financial emergencies. Needless to say, Line is the best option for an instant cash advance with bad credit.

This page is purely informational. Line does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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