If you are among the thousands of people who frequently use Cash App to manage your money or make payments, you’ll be glad to know that several Cash Advance apps can complement its features. These apps allow you to get an advance on your paycheck, transfer the funds to your Cash App account, and spend them as needed. But does Cash App actually work with popular paycheck advance apps like Brigit, Cleo, Earnin, Klover, and Dave? continue reading for more details.
What Are Cash Advance Apps?
Cash advance apps give you access to money before your payday, offering a more affordable alternative to traditional bank overdraft services, which often come with steep fees. Instead of relying on high-interest loans, these apps use voluntary tips or flat fees as a revenue source.
Some well-known cash advance apps include:
- Dave
- Brigit
- Cleo
- Albert
- Earnin
- MoneyLion
- Klover
- Chime SpotMe®
However, it’s essential to note that Cash App doesn’t work with all cash advance apps.
Also, note that the Cash Advance application loans you money after verifying your paycheck. Thus, they require direct deposit visibility and evidence of consistent cash flow in your account.
5 Best Cash Advance Apps that work with Cash App
1. Cleo
With Cleo, you only need to wait 24 hours after paying off a loan to get another advance, unlike other cash advance apps that make you wait three to five days. Plus, if your budget changes, Cleo lets you reschedule your payment due date once for some extra flexibility.
That said, new users can only take advances between $20 and $100 at first.
2. Dave
Dave is a banking app that lets you access cash advances of up to $500 each pay period. It also offers a ”Goals account” where you can earn a solid 4% APY on your deposits. To use Dave for cash advances you can send to Cash App or other accounts, you’ll need to pay a monthly membership fee (though the exact cost isn’t disclosed).
Regular cash advances from Dave take up to three business days to process, but if you need your money the same day, you can pay a fee ranging from $3 to $15. On top of that, Dave includes handy tools to help you manage your finances and even a round-up feature to help you save automatically.
3. MoneyLion
If you’re looking for a cash advance app that doubles as a full banking experience, MoneyLion might be just what you need. The app offers a variety of financial tools, including investment accounts, crypto accounts, credit builder loans, and debit card rewards, all designed to help you grow your finances.
MoneyLion’s standard cash advance limit is $500. However, you can boost that amount to $700 by signing up for a paid “Credit Builder Plus” account. Want even more? You can increase it to a generous $1,000 per pay period by opening a “Roar Money” account and setting up recurring direct deposits.
4. Albert
Albert is more than just a cash advance app. Along with advances of up to $250 per pay period, it offers Genius, an AI-powered financial tool that helps answer your money questions and build a personalized investment portfolio.
Simply share your goals, and Genius will create a custom investment plan based on your risk level and timeline. Keep in mind, though, that Genius costs $14.99 a month, and you’ll need to start the free trial to qualify for cash advances.
5. Brigit
Brigit is a financial app that gives you cash advances of up to $250 per pay period. To access advances, you’ll need to sign up for Brigit’s Plus or Premium plan. While the advance amounts may be lower than some other apps, the Premium plan offers free instant transfers, plus free payment extensions with both plans.
You can request payment extensions if you’ve made at least two consecutive on-time payments. Brigit also lets you store up to three payment extensions for future use, all available directly within the app.
Important: These payday apps let you transfer monies from and to Cash App by simply adding the cash advance app card to the Cash App.
However, you must activate direct deposit with a compatible traditional or online bank—not Cash App—in order to be eligible for the cash advance.
So let’s respond to the key question:
Does the cash advance app enable you to connect with your Cash App, i.e. if you get a wire transfer to your Cash App account and wish to use it to obtain the cash advance? Would that be possible?
Sadly, the answer is no. Cash advance apps must be aware of your pay period and paycheck amount. If you want to access your direct deposit with Cash App and wish to connect your Cash App account to Cash Advance apps, it might turn out unsuccessful.
These payday advance apps primarily accept traditional banks because they can authenticate transactions with Plaid and verify your history of a stable paycheck. This is impossible with the Cash App.
With that point being made, there are a few methods you can use to connect and transfer money from your Cash Advance Apps to your Cash App account and vice versa.
How to Connect Cash App to Cash Advance Apps
If you want to connect your Cash App with any of these cash advance apps, it would be best to if you start by carrying out your direct deposit with a traditional bank account or supporting digital banks. Then utilize your bank account or bank debit card to create a link between the Cash App and cash advance apps to channel or transfer funds between them, by separately connecting this traditional bank bank account to both the apps.
In this manner, you can use the bank account as a conduit to transfer money back and forth.
You can also use digital banking platform like Chime that integrates with other cash advance apps. Additionally, it also features a fee-free overdraft Chime SpotMe service; the full details are available in this article. By linking the Chime debit card to the Cash App or by using Plaid, you can quickly connect your Chime bank account.
If you need to apply for funds from these payday advance apps on your Cash app, another method to consider is to connect your debit card or active bank account to any of these cash advance apps. For instance, Dave, MoneyLion, in Cash App
In this manner, you can move the funds loaned to your Cash App account or transfer your Cash App balance to these payday advance platforms
Let’s explore how this is done for some popular cash advance platform.
Does Dave work with Cash App?
If you have an account with Dave, you can set up your Dave debit card as a payment option in Cash App. You can move funds from Cash App to your Dave account and also withdraw funds from Dave to undertake transaction Cash App, this way.
It is worth noting that Dave doesn’t accept instant deposits from Cash App to Dave Spending card (which generally works without issues for other debit cards). Dave claims that it takes at least five business days for a regular deposit transfer to be validated.
Dave accepts payday cash advances and has the following terms:
- 1$ monthly Subscription service fee for members
- No need for interest or credit check
- You are eligible for a cash advance of up to $500 (for greater advance amounts, a monthly total deposit of $1,000 or more is required).
- Connect existing bank accounts -traditional or online bank or utilize Dave’s own checking account which has eligible cash deposits.
- If you connect to an existing bank account, Dave generally authenticates that your bank statement has at least 60-day history and verifies for any recent negative balances. To assess eligibility and restrictions, Dave analyzes at least three (3) regular deposits, wage history, and spending habits.
How to link a Dave debit card to the Cash app
- Launch the Cash App, then sign in.
- Afterward, hit the Bank button in the lower area of the Cash App’s main page.
- Then select Link bank
- Enter in the Dave Card details.
- Finalize the Authentication process by following the steps shown on the screen.
- Cash App and your Dave account will be connected.
Return now to the Cash App’s home page.
- Click on the dollar or bank icon.
- Select Add Cash
- Input the amount you want to add in.
- Select the “Add $” icon.
- Authenticate your identity
The cash will be funneled from Dave to Cash App
Does Cash App work with MoneyLion?
To move funds from Cash App to your Money Lion account, you will need to connect MoneyLion debit card.
You are entitled to a Money Lion debit card if you create an account with RoarMoney.
After then, you can simply connect your Roar Money Card to the Cash App. Cash App enables instant transfer to these kinds of linked payment cards. However, it is worth noting that there can be challenges when transferring funds to fintech debit cards
By providing your Cash App routing and account numbers, you can easily add your Cash App account to Roar Money manually. The typical ACH transfer can take one to three business days.
MoneyLion has a membership business model for its “InstaCash” option, which provides a fee-free advance of up to $250 till payday. Additionally, it offers payday loans.
Eligibility conditions
You can also link an existing bank account to MoneyLion for it to authenticate your direct deposit and balance history. When linking an external bank account to MoneyLion, there are some basic factors you should keep in mind to be eligible via their conditions.
- Bank account has to be active for upwards of months and steady flow of income/paychecks deposits
- Bank account has a sufficient balance
- Close to $250 cash advance with 0% Annual percentage yield
- No interest or overdraft payments
- No creditworthiness review
Does Earnin work with Cash App
It’s highly unlikely that Earnin will work with Cash App
According to Earnin, it doesn’t facilitate transfers to prepaid accounts or cards, like Cash App Cards.
Does Chime Spot Me work with Cash App
You can link Chime with Cash App by setting up your Chime Debit Card or Chime Bank account as a payment option in Cash App.
If you are a Chime customer and have a direct deposit of $200 or even more, you can also upgrade to $200 by choosing Chime SpotMe®.
Chime SpotMe gives you access to overdraft facilities on your Chime debit card to make purchases and withdraw money.
You can learn more about the basics of Chime SpotMe and the reasons Chime has emerged as a popular choice for secure digital banking.
Does Albert Work with Cash App
If you own an Albert Savings account with a bank card, you can link it to Cash App so that you can easily withdraw money when you want it from your account. You can use an instant deposit to withdraw money from your Cash App account to this card.
If you want to connect a Cash App Card directly from the Albert App, it will not properly work.
According to the Albert website, you must connect a debit card to a bank account linked to one where you receive your salary in order to access Albert Instant (a cash advance facility).
Prepaid cards and cash cards are not supported by Albert Instant because they lack the necessary features for receiving and repaying payday loans.
Here’s a listing of prepaid debit cards that do not work with Albert Instant:
- Netspend
- Walmart Money
- BankMobile Vibe
- Card.com
- Go2Bank
- AccountNow Prepaid Visa
- American Express Reserve
- Money Network Pay Card
Although Albert did not mention Cash App Card by name in the listing above, by implication, it should infer it non-support.