17 Cash Advance Apps that Work with PayPal for Instant Funds!

There sure are, and we’ll cover them in today’s post.

What are Cash Advance Apps?

Cash advance apps allow consumers to access their wages early. Essentially, they give you the opportunity to get your wages before payday.

This is useful when you find yourself in a financial bind, whether you need the cash to pay for vet fees or your mortgage.

Are Cash Advance Apps the Same as Payday Loans?

No, cash advance apps and payday loans may seem similar on the surface—after all, both provide you with money before your paycheck is due. However, they have one key difference: interest.

Payday lenders loan money to consumers and typically charge a high interest rate for doing so. Payday lenders charge an annual percentage rate (APR) of 400%.

Cash advance apps, on the other hand, don’t charge you interest. Some encourage consumers to leave a tip, and others may charge fees for things like getting your money faster.

How to Use PayPal with Cash Advance Apps

Since so many people use PayPal, a lot of them want to know if there are cash advance apps that work with PayPal.

I’ll level with you here: for the most part, getting your cash advance to your PayPal account typically requires some sort of workaround.

Here are your options:

1. Use a cash advance app that offers a prepaid card. This could be a Visa or MasterCard prepaid card, for example. Then, add that card to your PayPal account. PayPal allows you to use prepaid cards anywhere those cards, like Visa, are accepted. This option opens up your cash advance funds for use with your PayPal account.
2. Link the same bank account that your cash advance is deposited into to your PayPal account. Then, transfer the funds from your bank account to your PayPal account. Spend the cash from PayPal however you want.
3. Link the debit card that’s associated with the bank account where the cash advance app deposits your funds to your PayPal account. Spend the cash advance from your bank through your debit card on PayPal.

I don’t know definitively why a lot of cash advance apps don’t work directly with PayPal. My guess is that it’s because some of these cash advance apps see PayPal as a competitor.

After all, PayPal is a financial services company, and these cash advance apps are also financial service companies. That could be why.

Still, though, there are workarounds, as I mentioned above!

Cash Advance Apps that Work with PayPal

Here are the top ten cash advance apps to try if you want to use PayPal too.

1. Empower

Empower is a popular cash advance app. And if you are looking for a cash advance app that works with PayPal with no credit check requirement, you’ve just found it!

Key Features:

• No credit checks
• No interest
• No late fees
• Get a cash advance of up to $300 instantly.
• The company states that 98% of cash advances that are delivered instantly arrive within 15 minutes.
• Fund your Empower Card account with apps like PayPal, Square Cash, Cash App, and Venmo.

Where to get it:

• iOS
• Android

2. Chime

Chime is a financial technology company that partners with regional banks.

You can send money from your Chime account to your PayPal debit card.

Or, provided you have a Chime account and a PayPal account under the same name as your bank account, you can link your bank account to both your PayPal account and your Chime account.

Then, you can transfer the money from Chime to your bank account and move the funds from your bank to PayPal.

Chime enables consumers to take advantage of various fee-free mobile banking services, including a handy cash advance service called MyPay.

Key Features:

• Get access to your pay when you want.
• Get up to $500 before payday.
• No credit check required.
• No mandatory fees. You can get your pay within 24 hours entirely fee-free, or you can get your pay instantly for a fee of $2 per advance.

Where to get it:

• iOS
• Android

3. MoneyLion

MoneyLion is a financial tech company that offers cash advances through a service called Instacash.

Key Features:

• Borrow up to $500 interest-free.
• Get money in one to five business days without paying a fee, or have the money available in minutes for a fee.
• No credit check required.

Where to get it:

• iOS
• Android

4. DailyPay

DailyPay partners with hundreds of companies to offer employees access to their earned wages.

DailyPay works with PayPal provided you have access to a DailyPay Prepaid Visa Card.

Visa prepaid cards can be used anywhere that accepts Visa debit cards, and PayPal allows you to use prepaid Visa cards.

Key Features:

• When your workday finishes and your manager approves your hours, you’ll build up a balance in your DailyPay account.
• This balance is available immediately, and you can transfer it into your bank account, to your debit card, or to your payroll card.
• Schedule the transfer of the money for the next business day for no fee, or instantly transfer the money for a small fee.
• After you make transfers during a pay period, whatever money is left will be paid to you automatically on your next regularly scheduled payday as Remainder Pay.
• Use the DailyPay app or website to access your earned and unpaid pay.

Where to get it:

• iOS
• Android

5. Varo

Varo allows you to get paid fast, right to your bank account. Be sure to link your bank account to your PayPal account, then transfer the cash from your bank to your PayPal account.

Additionally, you can send and receive instant transfers from digital wallets, including PayPal, Cash App, Venmo, Zelle, and Square.

Key Features:

• Get up to $500.
• Charges fees that vary depending on how much you borrow.
• No interest charged.
• You have 30 days to pay Varo back.
• You can pay Varo back in as many payments as you want.

Where to get it:

• iOS
• Android

6. PayActiv

PayActiv is a financial services company that offers On-Demand Pay and Earned Wage Access (EWA). These services allow you to access a portion of the money you’ve already earned before payday.

Key Features:

• Get up to 50% of your earned wages before payday.
• No credit check required to join PayActiv.
• Access your earned wages through the PayActiv app.
• Transfer your wages to your existing bank account, debit card, or PayActiv Visa Card.
• You can also use your earned wages to pay bills, shop on Amazon, call an Uber, or pick up cash at Walmart from the app.

Where to get it:

• iOS
• Android

7. Wealthfront Cash Account

Wealthfront Cash Account is another option to consider. It can be used with a variety of payment apps, including PayPal, Venmo, Cash App, Apple Pay, and Google Pay.

Wealthfront is a financial company offering a variety of services, including automated investments and wealth management.

The company offers an account called Wealthfront Cash. This combines the features of a checking and savings account and also gives you access to your money before payday.

Key Features:

• Zero account fees
• Enjoy 5.00% APY on your account
• No minimum or maximum balance is required to earn 5.00% APY
• With direct deposit, you can get paid up to two days earlier

Where to get it:

• iOS
• Android

8. GO2bank

GO2bank is a mobile bank. Through its mobile accounts, users can enjoy a VISA debit card and early access to their wages.

Key Features:

• No hidden fees.
• No monthly fees after eligible direct deposit; otherwise, it costs $5 per month.
• Get your pay up to two days early and government benefits up to four days early with direct deposit.

Where to get it:

• iOS
• Android

9. Branch

Branch is a free digital wallet used by companies to pay their employees. Branch provides fast payments to workforces. Earners can sign up with Branch to get a free bank account, fast access to their earnings, and other financial services.

Key Features:

• Get instant access to the money you’ve already earned, such as your wages, tips, and mileage reimbursements.
• Your company can get funds to you faster, as quickly as after each shift or job, and you can also request pay advances from your upcoming paychecks.
• Take an advance of up to 50% of your earned wages ahead of time.

Where to get it:

• iOS
• Android

10. Cash App

Cash App (review) is a mobile payment platform that, much like PayPal, enables users to send and receive money. Users can send and receive money anytime, and it is free.

Key Features:

• Get your paycheck up to two days early.
• Invest in stocks and Bitcoin for as little as $1.
• Get access to free ATM withdrawals if you have at least $300 coming in each month.
• Access Cash App Boosts, which are discounts that can save you money at a variety of retailers, from grocery stores to restaurants to apparel brands.

Where to get it:

• iOS
• Android

More PayPal Compatible Cash Advance Apps

In this section, I’ve included a few more cash advance apps.

Remember, though, that many cash advance apps don’t work directly with PayPal, so you’ll need to use those workarounds that I mentioned earlier.

Here are some more cash advance apps that you can try:

11. Dave
12. Albert
13. FloatMe
14. Brigit
15. Cleo
16. EarnIn
17. Klover

Why You Need to Be Cautious About Using Cash Advance Apps

Payday loans, if possible, should always be avoided. The interest you’re charged on them is just way too high.

Cash advance apps avoid these high fees. However, this doesn’t mean they are great for your financial health.

You still need to be cautious when using cash advance apps.

The reason for this is that cash advance apps can get you into what’s called a cycle of debt or debt cycle.

A cycle of debt is when you keep taking on more debt than you’re able to repay.

So, you end up having to take out a new loan to repay your existing debts.

Then, you get further into debt, owe more money, and accrue more interest. This creates a larger expense, which becomes harder to get ahead of over time.

In the case of cash advance loans, you may find that you’re struggling for money this month, so you get a cash advance, and then next month, you struggle to find the money to pay back that cash advance, so you need to borrow more money.

Ideally, you are better off avoiding cash advance apps if you can. Try borrowing from friends or family first, or try to get some overtime, or even pick up a side hustle like driving for Uber or Lyft.

I get it, though—sometimes you just need money fast, and cash advance apps might be your only option. They’re better than payday loans.

Just don’t depend on cash advance apps long term.

Closing Thoughts

As you can see, you have a lot of options when it comes to cash advance apps compatible with PayPal. When you need quick cash, these cash advance apps that work with PayPal have you covered. Choose the one that best fits your needs and get funds instantly without the stress.