B9 Advance: what $100 really costs
B9 requires a membership (Basic at $9.99 a month, up to $250 per pay period) and a B9 account that receives your pay. Express delivery into the B9 account costs $6.99–$14.99 for $100–$149.99, with the exact fee shown in the app. Tips are optional. On its published terms, $100 delivered instantly and repaid in 14 days costs $24.98, or 651% APR; waiting for the standard transfer costs $9.99.
Fees and terms checked · Not financial advice
B9 Advance · instant
$100 advance · repaid in 14 days · instant delivery
24.98 ÷ 100.00 × (365 ÷ 14) × 100 = 651.3%
B9 Advance · if you wait
$100 advance · repaid in 14 days · standard delivery
9.99 ÷ 100.00 × (365 ÷ 14) × 100 = 260.5%
In our ranking of cash advance apps, that puts B9 at 14 of 14 by the cost of a $100 instant advance. See the full ranking or change the amount and dates in the calculator.
Every published price
Quoted from B9’s own pages, checked November 8, 2026. Each line links to where it says so.
| Charge | Price | From B9’s page |
|---|---|---|
| B9 Basic (needed for advances) | $9.99/month | you must be enrolled in either a B9 Basic membership which is $9.99 per month or a B9 Premium membership which is $19.99 per month.bnine.com |
| Express to your B9 account | $6.99–$14.99 on $100 | B9 members can choose to have their Advances to be instantly deposited into their accounts. This service is optional. It may take up to 5 business days for Advance funds to be deposited if the Express option is not chosen.bnine.com |
| Then moving it to an outside debit card instantly (3.5%, min $4) | $4.00 on $100 | Card Based transfer from account (instant) 3.5% of transaction amount with a minimum of $4 and a maximum cap of $40.00bnine.com |
| Standard delivery (up to 5 business days) | $0.00 | It may take up to 5 business days for Advance funds to be deposited if the Express option is not chosen.bnine.com |
| Tips | optional | Payment of a tip is completely optional and is refundable. Payment or non-payment of a tip will not affect your eligibility to receive future B9 Advancesbnine.com |
| Instant transfer from B9 Account to external debit card | see quote | 3.5% of transaction amount with a minimum of $4 and a maximum cap of $40.00bnine.com |
| Transfer to third-party wallet (Cash App, PayPal, Venmo, etc.) | see quote | Minimum Fee: $4 or 3.5% of the total transfer amount, whichever is higher. Maximum Fee Cap: $40help.bnine.com |
| ACH transfer out | $0.00 | There are no fees for ACH transfers.help.bnine.com |
| Same day ACH | $1.50 | Same day ACH transaction $1.50bnine.com |
| ATM withdrawal (domestic, in network) | $3.00 | ATM Fee (domestic) in network $3.00bnine.com |
| ACH return | $4.99 | ACH Return $4.99bnine.com |
| Premium Support (optional, Basic members) | $3.00 | Premium Support Fee (Optional) $3.00bnine.com |
| Late fee | $0.00 | No late feesapps.apple.com |
Plans
| Plan | Per month | Note (from B9’s pages) |
|---|---|---|
| B9 Basic | $9.99 | Advances up to $250 per pay period; average $67 (July 2026, bnine.com). |
| B9 Premium (monthly) | $19.99 | Advances up to $1,000 per pay period; average $332 (July 2026, bnine.com). |
| B9 Premium (3-month prepaid) | $11.99 | $35.97 billed every 3 months. |
| B9 Premium (12-month prepaid) | $6.99 | $83.88 billed every 12 months. Marketed as 'From $6.99/month'. |
| Fee-waived Basic or Premium | $0.00 | Subscription waived for a billing month if you received at least $5,000 in aggregate deposits the previous billing month (Terms of Service). |
| B9 Lite | $0.00 | Help Centre: 'You can get B9 Lite with no monthly fees'; whether Lite includes advances is not stated. |
What other amounts cost
Repaid in 14 days, with any membership counted for one month. Small advances cost the most per dollar: a fee that doesn’t shrink with the amount weighs more on $25 than on $200. Blank cells mean B9 doesn’t publish that price.
| Advance | Instant | APR | If you wait | APR |
|---|---|---|---|---|
| $25.00 | $15.98 | 1,666% | $9.99 | 1,042% |
| $50.00 | $19.98 | 1,042% | $9.99 | 521% |
| $100.00 | $24.98 | 651% | $9.99 | 260% |
| $150.00 | $24.98 | 434% | $9.99 | 174% |
| $200.00 | $27.98 | 365% | $9.99 | 130% |
| $300.00 | $32.98 | 287% | $9.99 | 87% |
| $500.00 | $44.98 | 235% | $9.99 | 52% |
Limits, eligibility and repayment
- Maximum
- $1000.00 On the Premium plan, eligible members can receive advances up to $1,000 per pay period; new users typically start between $10 and $50. bnine.com
- To start
- new users typically start between $10 and $50. bnine.com
- Who can get it
- You must receive at least $100 in payroll or benefits deposits into your B9 account within the last 14 days . help.bnine.com
- Credit check
- No, per its own pages No credit checks, No interest, No late fees². Subject to approval. bnine.com
- Repayment
- Any deposit you make into your B9 account will automatically go toward repaying your advance balance. help.bnine.com
- Interest
- We do not charge any interest or fees or request any other payments as a condition of access to the advance pay product bnine.com
- States
- Available in all states except : Nevada ... South Carolina ... Wisconsin ... Maryland ... Kansas ... Indiana ... Connecticut : Advance is available but limited to $750 . help.bnine.com
- Bank connection
- own 1. Set up direct deposit of $100 or more To become eligible for advance, set up your payroll direct deposit instantly in B9 or via paper form with your employer . help.bnine.com
Worth knowing
- We use the top of B9’s published express range ($14.99 for $100).
- Moving the money from B9 to an outside debit card instantly costs another 3.5% (minimum $4); ACH out is free.
- New users typically start at $10–$50.
Regulatory actions
Our check of official sources (the FTC, the CFPB, the Department of Justice, state attorneys general and regulators) turned up no action about B9’s advances as of November 8, 2026. If you know of one, please tell us.
Close to B9 on cost
Varo Advance
$20.00 · 521% APR
Cleo Cash Advance
$20.98 · 547% APR
Sources for this page
- bnine.com — B9’s own page, checked Nov 8, 2026
- bnine.com — B9’s own page, checked Nov 8, 2026
- bnine.com — B9’s own page, checked Nov 8, 2026
- help.bnine.com — B9’s own page, checked Nov 8, 2026
- help.bnine.com — B9’s own page, checked Nov 8, 2026
- apps.apple.com — B9’s own page, checked Nov 8, 2026
- help.bnine.com — B9’s own page, checked Nov 8, 2026
- help.bnine.com — B9’s own page, checked Nov 8, 2026
- bnine.com — B9’s own page, checked Nov 8, 2026
- help.bnine.com — B9’s own page, checked Nov 8, 2026
- help.bnine.com — B9’s own page, checked Nov 8, 2026
How costs are calculated, what is left out and how to send a correction: methodology.
Cite this page
Best Cash Advance Apps. "B9 Advance: the true cost of a $100 advance." Updated November 8, 2026. https://bestcashadvanceapps.com/apps/b9/