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

Instant cash advance apps: the price of speed

In brief

Getting $100 within minutes costs from $0 to $14.99 in delivery fees alone, depending on the app and where you send it. 5 apps deliver instantly for free. Free instant delivery to your own bank is rarer: Possible, and each of these charges a monthly membership instead. 3 apps show the instant price only inside the app.

Fees and terms checked · Not financial advice

Instant delivery fee for $100, cheapest option first

The delivery fee only, on the cheapest instant option each app publishes. Memberships and fees on every advance come on top: see the full ranking for the total. The APR column shows what the speed alone costs over 14 days.

AppCheapest instant option$50$100$200APR (fee only, $100)
Albert Instant Advance Instant to Albert Cash to app’s own account · source $0.00 $0.00 $0.00 0%
Dave ExtraCash Instant to Dave Checking to app’s own account · source $0.00 $0.00 $0.00 0%
Gerald Cash Advance Instant transfer after a store purchase to your bank or debit card · source $0.00 $0.00 $0.00 0%
Possible Advance Instant delivery (members) to your choice · source $0.00 $0.00 $0.00 0%
Tilt Cash Advance (formerly Empower) Instant to a Tilt debit card to app’s own account · source $0.00 $0.00 $0.00 0%
Varo Advance Instant to your Varo account to app’s own account · source $0.00 $0.00 $0.00 0%
Vola Cash Advance Instant transfer to your choice · source $0.00 $0.00 $0.00 0%
Grid Cash Advance Expedited payment fee to your bank or debit card · source $2.99 $2.99 $2.99 78%
Chime MyPay Instant Advance fee (3%, $2–$5) to app’s own account · source $2.00 $3.00 $5.00 78%
Brigit Instant Cash Express fee (Plus) to your bank or debit card · source $0.99–$5.99 $0.99–$5.99 $0.99–$5.99 156%
EarnIn Cash Out Lightning Speed fee to your bank or debit card · source $3.99 $5.99 $8.99 156%
FloatMe Float Instant Float fee to your bank or debit card · source $5.00 $7.50 $10.00 196%
MoneyLion Instacash Turbo to MoneyLion Spend (7.5%) to app’s own account · source $3.75 $7.50 $14.99 196%
Klover Balance Advance Express fee to your bank or debit card · source up to $5.99 up to $9.49 up to $15.25 247%
B9 Advance Express to your B9 account to app’s own account · source $3.99–$9.99 $6.99–$14.99 $8.99–$17.99 391%
Cleo Cash Advance Express fee to your choice · source $4.49–$14.99 $4.49–$14.99 $4.49–$14.99 391%
Current Paycheck Advance Instant price not published: Instant Access fee (shown only in the app).
Beem Everdraft Instant price not published: Instant to your debit card (“starting at $4” on Plus).
Credit Genie Cash Boost Instant price not published: Instant to your debit card (fee shown at checkout).

“—” means the app doesn’t publish a price for that amount (some publish prices only for set amounts), or the amount is above its maximum.

Why “free instant” usually means the app’s own account

7 of the 16 apps above price instant delivery lowest when the money goes into an account or card the app (or its partner bank) runs: Albert, Dave, Tilt, Varo, Chime, MoneyLion, B9. That’s how they keep your deposits, and it isn’t a trick, but it matters if your bills come out of another bank. Moving the money on can cost again: Albert charges at least $5.99 for a fast transfer out of Albert Cash, and B9 charges 3.5% (minimum $4) to push money to an outside card.

Every instant option, by destination

  • Dave ExtraCash: Instant to Dave Checking — $0.00; Express to an outside debit card (1.5%) — $1.50
  • EarnIn Cash Out: Lightning Speed fee — $5.99; Lightning Speed in IN, FL, TX, OH, IL and PA (5%, min $3.99) — $5.00; Lightning Speed in CO and WI (no tips there) — $6.99
  • Brigit Instant Cash: Express fee (Plus) — $0.99–$5.99; Express on Premium ($15.99/month) — $0.00
  • MoneyLion Instacash: Turbo to MoneyLion Spend (7.5%) — $7.50; Turbo to an outside debit card or account (9%) — $9.00
  • Klover Balance Advance: Express fee — up to $9.49; Express fee in Indiana — up to $4.99; Express fee in Wisconsin — up to $7.49
  • Albert Instant Advance: Instant to Albert Cash — $0.00; Moving it on from Albert Cash instantly (1.75%, min $5.99) — $5.99
  • Possible Advance: Instant delivery (members) — $0.00; Instant fee on a Single Advance without membership (shown only in the app) — not published
  • Tilt Cash Advance (formerly Empower): Instant to a Tilt debit card — $0.00; Instant to your own bank account — $5.00
  • B9 Advance: Express to your B9 account — $6.99–$14.99; Then moving it to an outside debit card instantly (3.5%, min $4) — $4.00

The instant fee is usually the whole cost.

For apps without a membership, waiting one to five business days for the standard transfer makes the advance free. If the bill can wait two days, that saves the fee. Which apps are free if you wait.

Questions

Which cash advance apps are instant for free?

On published terms: Albert Instant Advance (to the Albert account), Dave ExtraCash (to the Dave account), Possible Advance (to the account you choose), Tilt Cash Advance (formerly Empower) (to the Tilt account), Varo Advance (to the Varo account). Free instant delivery almost always means the money lands in the app’s own account or card first. Some of these apps still charge a membership or a fee on every advance; the home page ranking counts those.

What is the cheapest way to get an advance into my own bank instantly?

Among apps that publish the price, Possible Advance ($0.00 on $100), Dave ExtraCash ($1.50 on $100), Grid Cash Advance ($2.99 on $100). Memberships and per-advance fees are extra where the app charges them.

How fast is “instant”?

It varies by app and is described in their own words: “within minutes”, “within 1 hour”, “2–20 minutes for most users”. Cleo’s express option is “within 24 hours”. The option names on this page are each app’s own.

Is an instant fee the same as interest?

Legally most apps say it isn’t, but it costs you the same way. A $5.99 instant fee on $100 repaid in 14 days equals 156% APR on its own, before any membership.

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. "Instant Cash Advance Apps: What Instant Delivery Costs." Updated November 8, 2026. https://bestcashadvanceapps.com/instant/