Best paycheck cash advance apps for renters of 2021 | Rates & Reviews
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Best paycheck cash advance apps for renters of 2021

We reviewed the best paycheck cash advance apps for renters, including maximum advance amounts, fees and tipping, how fast you can expect to get your cash, credit checks, app experience and customer experience.

We found the best paycheck cash advance apps for renters!

Best paycheck cash advance apps for renters, 2021

Chime
Advances up to
$20-100
Fees
$0

Product details

  • Above plus
  • Time to get cash: Get paid 2 days early repay automatically with next paycheck
  • Credit check: No, but must meet banking and cash flow requirements
  • Interest charges: No, the advance is not a loan
  • ACH protection: Yes, but requires SpotMe debit card
  • Other banking products: Yes, full suite checking, savings, credit, and more
  • Extras: Auto savings, round up
  • 4.5 stars average app rating

Terms and conditions

Early Payday: Early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date. No Hidden Fees: Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply. SpotMe:Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $100 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. SpotMe won’t cover non-debit card purchases, including ATM withdrawals, ACH transfers, Pay Friends transfers, or Chime Checkbook transactions.  For more information visit Chime.com/Terms and Conditions.  

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Best paycheck cash advance apps for renters, 2021

Empower
Advances up to
$0 – $250   
Fees
$8/mo

Product details

  • Above plus
  • Time to get cash: Next day or same day with a fee. Repay automatically with the next deposit.
  • Credit check: No, but must meet eligibility and cash flow requirements
  • Interest charges: No, the advance is not a loan
  • ACH protection: Yes
  • Other banking products: Yes, interest checking and automatic savings
  • Extras: Track your spending and savings features
  • 4.4 stars average app rating

Terms and conditions

Banking services provided by, and Empower Debit Card issues by, nbkc bank, Member FDIC. 0.20% Annual Percentage Yield (APY) may change at any time. APY as of Jan. 1, 2021. Empower charges an auto-recurring monthly subscription fee of $8 for access to the full suite of money management features offered on the platform. The subscription fee will apply (a) after the 14-day free trial concludes for first-time customers, and (b) immediately for customers returning for a second or subsequent subscription. Eligibility requirements apply. Minimum direct deposits to an Empower Checking Account, among other conditions, are necessary to qualify for advances greater than $50. Free instant delivery is available for eligible Empower Checking Account customers. See Empower terms and conditions of service.

Best paycheck cash advance apps for renters, 2021

Earnin
Advances up to
 $100/day $500/paycheck
Fees
4% tipping encouraged

Product details

  • Above plus
  • Time to get cash: Get paid 2 days early, or 2-3 days early with Cash Out. Same day available for extra fee. Repay automatically with the next deposit.
  • Credit check: No, but must link debit or credit card
  • Interest charges: No, the advance is not a loan
  • ACH protection: Yes, with Balance Shield. Low balance notifications and protections against overdrafts up to $100
  • Other banking products: Savings and debit card only. You must connect Earnin to a bank account
  • Extras: Cash-back rewards and HealthAid

Terms and conditions

Disclaimer: Up to 2 days early is based on comparison with traditional banks. Exact timing is dependent on your employer’s payroll policies. For more information on eligibility and requirements of Earnin Express. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. For Lightning Speed, transfer speeds may vary and could take up to 30 minutes. Other restrictions and/or third-party fees may apply. Balance Shield Cash Outs are subject to your available earnings and daily/pay period Max. By using Cash Back Rewards (powered by Empyr) you allow participating merchants and/or card networks details of your transactions. Cash Outs may take up to 30 minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third-party fees may apply. For more information visit earnin.com/TOS.

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Best paycheck cash advance apps for renters, 2021

Dave
Advances up to
$75 and up to $100 with credit card
Fees
$1/month    

Product details

  • Above plus
  • Time to get cash: Up to 3 days or same day for a fee. Repay automatically with the next deposit.
  • Credit check: No, but must meet banking and cash flow requirements
  • Interest charges: No, the advance is not a loan
  • ACH protection: Yes
  • Other banking products: Savings and debit card only. You must connect Dave to your bank account
  • Extras: Automatic budgeting, side hustle feature, build your credit by paying rent & utilities on time
  • 4.6 stars average app rating

Terms and conditions

Available after two qualifying direct deposits that total at least $1,000 in a month (combined) into your Dave Banking account. Other eligibility criteria applies, see Dave.com/terms for more details.Early access to direct deposit funds depends on timing and availability of employer’s payroll. Available after two direct deposits of at least $200 into your Dave Banking account. Enrollment in LevelCredit required. For more information visit Dave.com/Terms and Conditions. 

Best paycheck cash advance apps for renters, 2021

Brigit
Advances up to
$50 – $250
Fees
 $9.99/mo 

Product details

  • Above plus
  • Time to get cash: Same day if ordered before 10am ET; instant cash (20 minutes) available with debit card connection. Repay automatically with the next deposit.
  • Credit check: No, but must meet min “Brigit score” based on banking and cash flow requirements
  • Interest charges: No, the advance is not a loan
  • ACH protection: Yes with balance alerts and auto-advance
  • Other banking products: Debit card only. You must connect Brigit to a bank account
  • Extras: Budgeting, credit monitoring, side hustle, and $1M identity theft insurance
  • 4.4 stars average app rating

Terms and conditions

If you receive an Advance, Brigit will charge your Payment Method for Advance repayment: (a) on the due-date displayed to you through the Services when you request the Advance; or (b) on the due-date chosen by you when extending your due-date within the app (each a “Preauthorized ACH Repayment”). Alternatively, you may choose to repay your Advance by self-initiating repayment to Brigit via ACH (a “Manual Repayment”). Your Advance is not conditioned on whether you elect to repay via Preauthorized ACH Repayment or Manual Repayment. Please note that you can always repay an Advance before your due-date for free. For more information visit Brigit.com/Terms and Conditions. 

Best paycheck cash advance apps for renters, 2021

MoneyLion
Advances up to
 $25-$250
Fees
Varies – ala carte  

Product details

  • Above plus
  • Time to get cash: Get paid up to 2 days early, or advance with Instacash 3-5 days early, same day extra fee. Repay automatically with the next deposit.
  • Credit check: No, but must meet banking and cash flow requirements
  • Interest charges: No, the advance is not a loan
  • ACH protection: Yes
  • Other banking products: Yes, full suite checking, savings, credit and more
  • Extras: Price protection, debit card rewards, financial fitness tracker, credit builder loans, investments
  • 4.4 stars average app rating

Terms and conditions

RoarMoney℠ demand deposit account provided by, and MoneyLion Debit Mastercard® issued by, MetaBank®, National Association, Member FDIC. RoarMoney is a service mark of MoneyLion, which offers and provides services for the RoarMoney Account among its suite of financial products and services. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account. Instacash is an optional service offered by MoneyLion. The amount of Instacash you are eligible to receive will be based on your creditworthiness and other criteria determined by MoneyLion, and may change from time to time. You will be informed of your current available amount in the MoneyLion mobile app.  See Membership Agreement and help.moneylion.com for additional terms, conditions and eligibility requirements. 

Best paycheck cash advance apps for renters, 2021

Klover
Advances up to
$0 -$130
Fees
$0 – $14.98

Product details

  • Above plus
  • Time to get cash: 3-5 days, expedited or “Boosts” available same day for $1.99 to $14.98. Repay automatically with the next paycheck.
  • Credit check: No, but must meet banking and cash flow requirements
  • Interest charges: No, the advance is not a loan
  • ACH protection: No
  • Other banking products: None, you must connect Klover to a bank account.
  • Extras: Spending Insights/categorization, Extra Points Boosts for Sweepstakes
  • 4.4 stars average app rating

Terms and conditions

We reserve the right to charge your Bank Account or debit card for the amount of a Balance Boost, including fees, any time after the later of: (1) a date on which we see evidence of income (such as a paycheck) deposited into your Bank Account or (2) the date selected by you through the Services. However, Klover warrants that it has no legal or contractual claim against you based on our inability to charge you for Balance Boost funds, but Klover may suspend your access to the Services until we are able to charge your Bank Account or debit card for a Balance Boost in full. With respect to a failure to receive the amount for a Balance Boost in full, Klover warrants it will not engage in any debt collection activities, place any amount we are unable to charge with or sell it to a third party, or report you to a consumer reporting agency. Klover does not waive any rights regarding fraudulent activity and will pursue instances of fraud. For more information visit joinklover.com/Terms and Conditions. 

Best paycheck cash advance apps for renters, 2021

Varo
Advances up to
$20-$100    
Fees
 $0-$5 per advance    

Product details

  • Above plus
  • Time to get cash: Get paid 2 days early, or 2-3 days early with an Advance. Repay automatically with the next deposit.
  • Credit check: No, but must meet banking and cash flow requirements
  • Interest charges: No, the advance is not a loan
  • ACH protection: Yes, on debit card purchases only
  • Other banking products: Yes, full suite checking, savings, credit and more
  • Extras: Instant savings, credit monitoring, fraud protection
  • 4.4 stars average app rating

Terms and conditions

We reserve the right to charge your Bank Account or debit card for the amount of a Balance Boost, including fees, any time after the later of: (1) a date on which we see evidence of income (such as a paycheck) deposited into your Bank Account or (2) the date selected by you through the Services. However, Klover warrants that it has no legal or contractual claim against you based on our inability to charge you for Balance Boost funds, but Klover may suspend your access to the Services until we are able to charge your Early access to direct deposit funds depends on timing of the payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date. To qualify for a Varo Advance your account must be at least 30 days old with a balance of $0.00 or greater, with qualifying direct deposits in the Varo Bank Account and/or Varo Savings Account of at least $1,000 over the past 31 days. Your Varo Bank Account and/or Savings Account must not be overdrawn, and your Varo Bank Account cannot be suspended or closed. For $20 Advances, your qualifications will be evaluated daily. For Advances over $20, fees apply, and your payment history and qualifications will be reviewed monthly for any credit limit increases. To continue to qualify for Advances, payments must be made timely. Visit https://varomoney.com/cash-advance for information on qualifying direct deposits and fees. 

Roost strives to keep its information accurate and up to date. This savings account information may be different than what you see when you visit a financial institution, service provider or specific product’s site.  When evaluating savings accounts offers, please review the financial institution’s Terms and Conditions.  

Best cash advance apps for renters: FAQs

Do I need to connect my bank account to get a paycheck cash advance? 

Yes, each service relies on your bank account to transfer cash, review your cash flow (e.g., regular paycheck and other deposits and monthly expenses) and to verify that you are “you”, not a robot.  Some of the paycheck cash advance services offer their own banking products and encourage or require you to use their bank account product to get a cash advance.  Others just connect to your existing bank account. 

When do I have to pay back my paycheck cash advance?

Not very long. It comes out of your next paycheck or deposit.  The amount will be deducted automatically from your bank account.

What are typical cash flow requirements to getting approved for a paycheck cash advance?

Most paycheck cash advance products require at least three consistent direct deposits or paychecks within the last two months and no gaps with the same employer. Also, for you to have your bank account in place for a minimum of 60-90 days. 

Why was I approved for a small cash advance when the app claims to give advances of up to $200 or more?

The majority of paycheck cash advance apps do not require credit check but need to verify consistency in your cash flow (aka monthly deposits and expenses still leave you with a bit of money).  In order to “get to know you”, they typically require that your bank account has been open for 30-90 days or more and proof of regular deposits coming into your account.  As you repay the advance, you’ll be approved for increases.

Can I get approved for a paycheck cash advance with bad credit? 

Yes. You’ll need to be signed up with the banking product, have regular paychecks/income for three or more months and have a positive history with the app (eg., no overdrafts).  Your first initial advance may be small, but over time you will qualify for higher cash advance amounts. 

How do paycheck cash advance apps make money? 

Paycheck advance products make money from a monthly subscription or tipping request, selling you other banking products, transaction fees and debit card interchange. 

What is cash advance fee tipping?

Tipping is a form of suggested payment on an app instead of a subscription or mandatory fee for your paycheck cash advance.  It is used to support the app and you are encouraged to tip on a sliding scale for what you think is fair, suggested at 4% or more.

Roost strives to keep its information accurate and up to date. This savings account information may be different than what you see when you visit a financial institution, service provider or specific product’s site.  When evaluating savings accounts offers, please review the financial institution’s Terms and Conditions.