You’re in luck! We’ve rounded up the best apps that offer quick, easy advances without the need to link your paycheck.
Money sometimes runs out before payday. It could be due to an unexpected expense – like car repairs or a broken refrigerator – or simply because, well, our money just doesn’t stretch as far as it needs to.
Been to the grocery store lately?
Stuff is expensive!
In these situations, cash advance apps can be the life raft we need to keep us afloat.
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Unfortunately, you may have found that most cash advance apps require direct deposit.
But what if you don’t get paid that way? Many people don’t.
Some people don’t get their salary paid in that way, like freelancers, sole proprietors, or gig workers.
Does this mean that you can’t use these apps?
Thankfully, that’s not the case. You can indeed use cash advance apps, even if you don’t have direct deposit for your paycheck.
Sure, there are a lot of apps that you won’t be able to use. But there are a few cash advance apps that don’t require direct deposit.
Table of Contents
Can I Get a Cash Advance if I Don’t Have Direct Deposit?
Yes, you can get a cash advance even if you don’t have direct deposit.
Some apps will provide smaller cash advance amounts to consumers who don’t have direct deposit compared to what they offer consumers who do.
So, it’s important to keep in mind that you may not get as large a cash advance from these apps as you would if you had direct deposit.
To get a cash advance without direct deposit, you’ll typically need to have a checking account, display frequent banking activity, maintain an average minimum balance, and show regular deposits.
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Top Cash Advance Apps that Don’t Require Direct Deposit
If you don’t have access to direct deposit but want a cash advance, don’t worry. There are still a few apps that provide cash advances to people who don’t receive their income via direct deposit.
Here are four cash advance apps that don’t require direct deposit.
1. Dave
Digital banking service, Dave, doesn’t require you to have direct deposit. It does look at things like your spending habits and income history when determining your eligibility.
You can get a cash advance of up to $500, which is a pretty decent amount. Plus, you can access your money in five minutes or less. There’s no interest, no late fees, and no credit check required.
Overall, it’s a great option if you’re looking for a cash advance.
2. Empower
Empower is another app that doesn’t require direct deposit.
As I mentioned in our Empower app review, Empower does require you to link your bank account to the app. This is so it can determine your eligibility. It will review your checking account history to check for things like your spending habits and the frequency of your paycheck.
Empower will give you an advance of up to $300. Most cash advances are delivered instantly, with the majority arriving within just 15 minutes!
There’s no credit check required, which is great. Also, Empower doesn’t charge interest or late fees.
3. Cleo
- Cash advance amount: Up to $250
- Monthly fee: Varies from $5.99 to $14.99
- Available for: iOS and Android
Cleo allows you to get cash advances of up to $250. So, if you’re in need of money, it’s a good option. Cleo doesn’t require a credit check and doesn’t charge interest.
Cleo offers two membership tiers, called Plus and Builder, both of which require a monthly fee.
4. Vola Finance
- Cash advance amount: Up to $500
- Monthly fee: No fee for its basic membership. Premium subscriptions start at $1.99.
- Available for: iOS and Android
Vola Finance is another app to try if you’re looking for a cash advance. The company provides cash advances of up to $500.
However, cash advances aren’t all that Vola Finance offers. It also helps with personal finance management, such as budgeting and avoiding overdraft fees.
For its basic membership, Vola Finance doesn’t charge a monthly fee. However, it does offer a premium membership starting at $1.99.
Vola Finance doesn’t require direct deposit, but you will need to connect a bank account that’s at least three months old, maintain an average balance of over $150, and show frequent income and deposits (not necessarily direct deposit).
Closing Thoughts
Even though many cash advance apps require direct deposit, there are still a few, including Dave, Empower, Cleo, and Vola Finance, that don’t.
These apps are great for freelancers, gig workers, and sole proprietors who don’t have direct deposit.
With these cash advance apps, you can get advances without direct deposit or a credit check. Often, there’s no interest charged either.
Sure, getting a cash advance without direct deposit may mean you’re only loaned a small amount, and not all users will be eligible, but these apps still offer a financial life raft when things are tough. Be sure to try out the apps on our list.
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