Fees checked against each app’s own terms Not financial advice
Best Cash Advance Appswhat each one really costs

FloatMe Float: what $100 really costs

In brief

FloatMe charges a $6.99 monthly membership and lends small amounts: $10–$50 to start, up to $200 over time. Instant delivery is priced by amount ($7.50 for $100); standard delivery takes 1–3 business days and is free. No tips, interest or late fees. On its published terms, $100 delivered instantly and repaid in 14 days costs $14.49, or 378% APR; waiting for the standard transfer costs $6.99.

Fees and terms checked · Not financial advice

FloatMe Float · instant

$100 advance · repaid in 14 days · instant delivery

FloatMe membership (1 month) $6.99
Instant Float fee $7.50
Tip $0.00
True cost$14.49
378%effective APR

14.49 ÷ 100.00 × (365 ÷ 14) × 100 = 377.8%

FloatMe Float · if you wait

$100 advance · repaid in 14 days · standard delivery

FloatMe membership (1 month) $6.99
Standard delivery (1–3 business days) $0.00
Tip $0.00
True cost$6.99
182%effective APR

6.99 ÷ 100.00 × (365 ÷ 14) × 100 = 182.2%

In our ranking of cash advance apps, that puts FloatMe at 9 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 FloatMe’s own pages, checked November 8, 2026. Each line links to where it says so.

ChargePriceFrom FloatMe’s page
FloatMe membership (needed for advances) $6.99/month Membership costs $6.99/month and provides access to FloatMe's suite of financial products and services, including Floatsfloatme.com
Instant Float fee $7.50 on $100 We provide "Instant" delivery of Floats for a fee (the "Instant Float Fee"). The amount of the Instant Float Fee is based on the size of the Floatfloatme.com
Standard delivery (1–3 business days) $0.00 ACH transfers will generally appear in your Linked Account between one (1) to three (3) business days.floatme.com
Tips not taken No credit checks. No interest. No tips, ever.apps.apple.com
Late fee $0.00 We don't charge late fees or penalties since your repayment is automatic on your next payday.intercom.help

Plans

PlanPer monthNote (from FloatMe’s pages)
FloatMe Membership$6.99Auto-renews; cancel in app (Settings > Membership > Cancel) or by email.
No-cost Float (by email request)$0.00'You may obtain a Float without paying the Membership Fee. To do so, email nocost@floatme.com with the subject line "No Cost"' (Terms).

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 FloatMe doesn’t publish that price.

AdvanceInstantAPRIf you waitAPR
$25.00 — — $6.99 729%
$50.00 $11.99 625% $6.99 364%
$100.00 $14.49 378% $6.99 182%
$150.00 $15.99 278% $6.99 121%
$200.00 $16.99 221% $6.99 91%

Limits, eligibility and repayment

Maximum
$200.00 First time approval amounts range from $10–$50. Eligible users may qualify for larger Floats over time, up to $200. floatme.com
To start
First time approval amounts range from $10–$50. floatme.com
Who can get it
You receive deposits of at least $150 per pay period for two (2) consecutive pay periods from an eligible income source. intercom.help
Credit check
No, per its own pages FloatMe reviews your account activity, no credit check required. floatme.com
Repayment
Each time you accept a Float, you will be required to choose or confirm the date you will repay the Float (the "Repayment Date"). Each Float is scheduled for repayment in a single payment on your Repayment Date. floatme.com
Interest
Money advanced has 0% max interest. 0% APR. apps.apple.com
States
Cash advances or “Floats” are not available to Connecticut, Nevada, or District of Columbia residents. floatme.com
Bank connection
Plaid We access your banking information, make deposits, and collect repayment from you using a partner called Plaid. intercom.help
Works with Chime
Only “most banks” wording FloatMe works with Plaid, a technology that allows us to connect to your checking account at most banks and credit unions. intercom.help
Works with Cash App
Only “most banks” wording FloatMe works with thousands of banks and credit unions to make sure everyone has the opportunity to stay afloat between paychecks. intercom.help

Worth knowing

  • FloatMe’s terms let you get a Float without the membership by emailing nocost@floatme.com with the subject “No Cost”.
  • Instant fees are published only for set amounts ($10, $20, $30, $40, $50, $80, $100, $150, $200). Indiana caps the fee at $5.
  • Not available in Connecticut, Nevada or the District of Columbia.

Regulatory actions

From official sources only. A complaint states allegations; it is not a finding.

  • FTC (settlement (complaint + stipulated order)): In the U.S. District Court for the Western District of Texas, the FTC alleged that FloatMe charged $1.99/month while promising up to $50 'instantly'. It alleged that new users could get only $20, paid $4 for instant delivery, were told of an algorithm for raising limits that did not exist, and faced dark patterns when cancelling. It also alleged that FloatMe illegally discriminated against applicants whose income came from public assistance. The claims are under the FTC Act, ROSCA and ECOA. FloatMe and the founders had to provide $3 million for refunds and start a fair-lending program. Status: On 2024-09-16 the FTC announced more than $2.6 million in refunds. Source

Close to FloatMe on cost

Dave ExtraCash

$10.00 · 261% APR

Grid Cash Advance

$12.99 · 339% APR

Brigit Instant Cash

$14.98 · 391% APR

Possible Advance

$15.00 · 391% 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. "FloatMe Float: the true cost of a $100 advance." Updated November 8, 2026. https://bestcashadvanceapps.com/apps/floatme/