Fees checked against each app’s own terms Not financial advice
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Current Paycheck Advance: what $100 really costs

In brief

Current’s Paycheck Advance is free if you can wait up to three business days, and it never asks for tips. You need a payroll deposit of $200 or more into a Current account in the last 35 days. For instant delivery Current charges an Instant Access fee that varies with the amount and is shown only in the app.

Fees and terms checked · Not financial advice

Not in the cost ranking: Its Instant Access fee is shown only in the app.

Every published price

Quoted from Current’s own pages, checked November 8, 2026. Each line links to where it says so.

ChargePriceFrom Current’s page
Membership not required you will not be charged a fee for using the Paycheck Advance Service unless you choose to pay the Instant Access Fee to receive an expedited disbursement.current.com
Instant Access fee (shown only in the app) not published on $100 For an additional fee (“Instant Access Fee”), you will have the option to receive an expedited disbursement of your Paycheck Advance into your Current Account... The amount of the Instant Access Fee will be shown to you on the Appcurrent.com
Standard delivery (within 3 business days) $0.00 Paycheck Advances will be processed at no additional cost to you, and the funds from a Paycheck Advance will typically be available in your Current Account within three (3) business days.current.com
Tips not taken Current does not solicit or accept tips, gratuities, or donations.current.com

Plans

PlanPer monthNote (from Current’s pages)
Current Account$0.00Paycheck Advance requires eligible payroll deposits into a Current Account.
Current Maxnot publishedOptional subscription (bonus points, savings boost, +$20 overdraft boost, priority support). Price not published on public pages. Not required for Paycheck Advance.

Limits, eligibility and repayment

Maximum
$1000.00 Switch your payroll and you could qualify to get up to a $1,000 Paycheck Advance. current.com
To start
The available Paycheck Advance amount you qualify for ranges from $25 to $1,000 and is based on your eligible payroll deposit history... support.current.com
Who can get it
To qualify for Paycheck Advance, you must receive at least one eligible payroll deposit of $200 or more in the last 35 days into your Current Account. There are also other qualifying criteria that may apply. support.current.com
Credit check
No, per its own pages Enrolling in the Paycheck Advance Service does not require a check of your credit score, and use of the Paycheck Advance Service will not affect your credit score. current.com
Repayment
When your next eligible payroll deposit arrives in your Current account, repayment should be collected automatically from that deposit. THERE IS NO OBLIGATION TO REPAY A PAYCHECK ADVANCE. support.current.com
Interest
Paycheck Advance is an earned wage access service and is not a loan or credit product. (Comparison table: 'Interest N/A'.) current.com
States
You do not live in one of the following states, territories, or districts: Connecticut, Maryland, Nevada, Wisconsin, or the District of Columbia current.com

Worth knowing

  • Not available in Connecticut, Maryland, Nevada, Wisconsin or the District of Columbia (Current’s terms).
  • Current says there is no obligation to repay; it collects from your next eligible payroll deposit.

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 Current’s advances as of November 8, 2026. If you know of one, please tell us.

Close to Current on cost

Albert Instant Advance

$0.00 · 0% APR

Chime MyPay

$3.00 · 78% APR

EarnIn Cash Out

$5.99 · 156% APR

MoneyLion Instacash

$7.50 · 196% APR

Sources for this page

How costs are calculated, what is left out and how to send a correction: methodology.

Cite this page

Best Cash Advance Apps. "Current Paycheck Advance: the true cost of a $100 advance." Updated November 8, 2026. https://bestcashadvanceapps.com/apps/current/