There are many cash advance apps that loan you money instantly with a job but finding apps that loan you money instantly without a job is not as easy.
And rightly so!
Most loan companies target consumers who possess some form of employment so they can guarantee they get their money back. But there are apps that loan you money instantly without a job, too.
The maximum weekly unemployment benefits in the United States range from $235 to $823. While some people can get by on that amount, it may be too little for others due to household size, cost of living, and other expenses.
Of course, not everybody is eligible for unemployment benefits. So you may be without a job and no unemployment benefits. But the bills won’t stop coming.
And as we all, know making money without a job is hard. Fortunately, some loan companies only require a source of income for you to apply, even if said income is in the form of unemployment benefits, child support, or Social Security.
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Whether you’re laid off, furloughed, or retired, it’s good to know that you can request loans to supplement your income. Here are some of the best instant loan apps with no job requirement that you can add to your phone smartphone today.
What will I learn?
Top Apps That Let You Borrow Money Instantly Without a Job
Download one or more of these apps to help you through tough financial times.
FloatMe provides Floats, AKA cash advances.
It doesn’t conduct credit checks or charge interest fees. Feel free to request $10 to $50 in Floats between checks. This app supports over 10,000 banks.
FloatMe charges about $2/month, but you can try it out at no cost for a week.
Though it’s not a loan per se, Grain’s line of credit can aid you in any monetary difficulties.
Grain prides itself on being the digital credit card for everyone since it approves customers based on their cash flow rather than their credit score.
Just link your checking account, and upon pre-approval, you can use your debit card to make transactions from your Grain credit line.
- Download Here: (There’s currently a waiting list for Android users.)/Apple
3. Chime SpotMe
If you’re a Chime member, take advantage of SpotMe.
What’s SpotMe? It’s a convenient feature that gives you up to $200 to guard against overdraft fees.
You can even expand your overdraft protection limits with SpotMe Boosts: you receive up to four $5 Boosts per month from friends, and you can do the same for them.
All you need to qualify for these benefits are at least $200 in qualifying direct deposits and an activated debit card.
4. SoLo Funds
SoLo Funds members collaborate to lend money to other members in need.
This app offers loans as low as $20 and up to $575. You earn higher cash advances when you back your loans on time, which also increases your SoLo Score.
If feasible, you can become a lender and help SoLo borrowers. What’s great about being a SoLo lender is that you make money when borrowers pay you back and add voluntary tips.
Need $5,000 to $100,000? A personal loan from SoFi can be of help.
It only takes a minute for you to pre-qualify for a requested loan amount. If everything goes well, you can expect your loan to arrive in your bank account within 24 hours.
SoFi Personal Loans has low rates, no fees, and Unemployment Protection, which temporarily changes your payments and assists you in the job search process.
Empower lets you get up to $1,000 in advances. However, there’s a catch.
Start by applying for Empower Cash Advance to receive approval for up to $250. When you receive your next check, you pay your advance back upon receiving your next check. And you don’t have to pay any fees or interest rates.
Upgrade to Empower Thrive where you get a line of credit between $200 and $1,000.
You just need a predictable income and regular use of your primary checking account to get started.
Empower charges an $8/month fee to utilize its service, but you get two weeks to try it out for free.
With Go2Bank, you receive your government benefits up to four days earlier than their scheduled date. In addition, you get up to $200 in overdraft protection, provided you have qualifying direct deposits.
You’ll really save money as a Go2Bank member because without direct deposit, you’ll pay $5 a month. If you opt for direct deposit, your account costs you nothing.
Best of all, you can apply for a Go2Bank Visa Credit Card to aid in credit building where you don’t have to pay an annual fee. You even receive free credit scores every month from Equifax.
Need $25 to $500? MoneyLion has InstaCash, which gives you a cash advance starting at $25. If you receive recurring deposits of government benefits through an external bank account, your advance limits increase, making it possible for you to request up to $500.
Additionally, its RoarMoney account lets you receive up to $1,000 when you link it with ongoing direct deposit payments.
MoneyLion’s Credit Builder Plan costs approximately $20, but you’ll get up to $700 in cash advances.
You only need proof of income and a bank account at least two months old to qualify.
9. Vola Finance
Request up to $300 by signing up for a Vola Finance account.
Vola Finance’s membership fee is pretty steep at around $3.00 to $29.00 per month, but it’s worth it for the financial algorithms that help you monitor your spending. Plus, there are no credit checks or interest fees.
You’re required to have proof of income, at least $150 in your bank account, and said account has to be at least 90 days old.
Dave is pretty similar to FloatMe.
Pay only $1 per month to access some of Dave’s great features.
Once you download the app and submit your identifying information (physical address and ID), you can be approved for up to $500. Dave also provides an automatic budgeting tool to help you take control of your spending habits.
Its Dave Side Hustle feature connects you to companies that offer part-time gigs, which can come in handy to supplement your government income.
11. Speedy Cash
Speedy Cash provides the following:
- Title loans
- Payday loans
- Installment loans
- Personal lines of credit
To apply for the above loans, you need proof of income, a valid ID, and an active checking account. Request a $50 to $26,000 loan in person or online.
12. Cash App Borrow
People can access Cash App Borrow in certain states, and they can borrow as little as $20 and up to $200.
There’s a five-percent flat rate charge on each loan amount you request, and you need to pay it back in four weeks or less.
To be eligible for Cash App Borrow, you need to be a U.S. citizen and 18 or older and have an income of $1,000+ or more per month. You may also need to go through a credit check, too.
With Gerald, you can get up to $215 to use toward rent, life insurance, cable, and other expenses. You can also request half of your paycheck to arrive earlier.
This app even offers cashback rewards when using its debit card or checking account to pay bills. Other Gerald tools include a bill tracker, overdraft protection, and a budget calculator. It charges members $9.99/month.
Lenme offers something for investors and borrowers. Borrowers can request at least $50 and at most $5,000. If you need to borrow from this app, you’ll receive funds upon approval within a day or two. Depending on your loan amount, you have up to a year to pay everything back.
Want to invest instead? Review loan requests, make offers, then get paid.
15. Varo Advance
If you need some pocket change, download the Varo Advance app.
Once you get the app, you begin borrowing $20, and you’re not charged any advance fees. Eventually, you gain access to higher advances like $50, $75, and up to $100, which come with a $3, $4, and $5 fee respectively. You repay your loan within a 15 to 30-day period.
Varo Advance requires three things from you to qualify for loans: an active Varo bank account that’s a month old or older, an activated Varo debit card, and $1,000 in electronic deposits of your government benefits.
In addition, you receive cashback rewards from debit card purchases, and it’s free to send and receive money from other Varo users.
16. Possible Finance
Possible Finance allows you to borrow up to $500 in installment loans, whether you have good credit or not. Take as much time as you need to pay it off because this app doesn’t charge penalty fees.
It also has the Possible Card (availability pending), which grants you a $400-$800 credit limit. There’s no security deposit or credit check with this credit card.
Through CashNetUSA, you can request installment loans, payday loans, and lines of credit ranging from $100 to $3,500.
Its services are only available in 29 states, so you have to check to see if CashNetUSA lends in your state before applying.
Why request money from creditors when you can borrow from trusted loved ones?
Zirtue lets you borrow up to $5,000 from relatives and friends you add to your contact list. Just request the loan amount you need and arrange repayment plans.
This app even has a Zirtue Mastercard Debit Card coming out soon, so sign up to be on the waiting list.
Whether you are collecting unemployment, are in between jobs, or just don’t have a job currently, it’s nice to have extra money coming in, especially to cover surprise expenses like medical bills or rent increases.
Thankfully, with so many apps that loan you money instantly without a job, it’s easier than ever to get some financial help until you get back on your feet. Just make sure to read and understand the fine print so you don’t end up in a bigger debt that you can’t get out of!