Financial Blog

10 Instant Loan Apps: Top Choices Even Without a Job

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What app gives you money instantly without a job? Here are 10 apps that are popular in the United States and have great potential to remain go-to options in 2025, even for those without traditional employment.

1. Earnin (Activehours)

Earnin is an app that provides early access to wages before payday. Users can withdraw $100 per day and up to $500 per pay period. The loan term is until the next payday. Earnin doesn’t charge interest but instead uses a voluntary “tip” system.

Users can tip what they can afford or not at all. Funds usually arrive within 1-2 business days but can be expedited with the “Lightning Speed” feature (for a fee).

Earnin’s unique mechanism involves connecting to the user’s company payroll system and bank account to verify work hours and earnings. It offers a “Balance Shield” feature that notifies users when their bank balance is low and can automatically transfer funds (up to $100) to prevent overdrafts. There’s also a “Tip Yourself” feature for automatic savings in a “Tip Jar”.

2. Dave

Dave offers an “ExtraCash” feature that allows users to borrow from $5 up to $500. The loan term is until the next payday or can be adjusted as needed. Dave doesn’t charge interest but has a $1 per month membership fee.

Loans typically arrive within 1-3 business days or can be obtained instantly for a fee. Besides loans, Dave also helps users manage finances with features like spending forecasts, low balance alerts, and helps avoid overdraft fees.

There’s a “Side Hustle” feature to help find extra work. Dave has also partnered with LevelCredit to report on-time rent payments to credit bureaus.

3. Brigit

Brigit provides loans ranging from $50 to $250. The loan term is until the next payday or can be adjusted as needed. Brigit doesn’t charge interest but has a monthly subscription fee of $9.99 – $14.99 that provides access to loan features, financial planning tools, and credit score monitoring.

Funds are usually available within 20 minutes when using a debit card, or 1-3 business days when using bank transfer. Brigit offers identity theft monitoring and protection as part of its Plus subscription. Detailed spending analysis is also available.

4. Chime (with SpotMe feature)

Chime is a neobank with a “SpotMe” feature that allows customers to overdraft from $20 up to $200 or more, depending on account activity and history. SpotMe doesn’t incur any interest or fees.

The term is until the next direct deposit. Funds from SpotMe can be used instantly for debit card transactions or cash withdrawals. SpotMe is designed to help avoid costly overdraft fees and is only available to eligible Chime customers.

Chime doesn’t perform credit checks and offers a savings account with a competitive APY.

5. MoneyLion (with Instacash feature)

MoneyLion offers “Instacash”, an instant loan ranging from $25 to $250 (or up to $1000 for RoarMoney members who meet the requirements). The term is until the next payday. MoneyLion doesn’t charge interest (0% APR) for MoneyLion members.

Disbursement to a RoarMoney account can be instant without a fee. Disbursement to an external account takes 12-48 hours or can be instant for a fee. MoneyLion also offers various other financial products such as savings accounts, investments, and credit builder loans. There’s a “Shake ‘N’ Bank” program that provides random cashback and a credit builder loan.

6. Empower

Empower offers “Empower Cash Advance” which provides the convenience of borrowing up to $250. The loan term is until the next payday or a date determined by the user. No interest is charged, but users are subject to a monthly subscription fee of $8. Funds are usually disbursed within one business day or can be expedited (instantly) for an additional $3 fee.

Besides the loan feature, Empower is also known for its advanced budgeting features, such as automatic savings tracking and personalized financial recommendations based on user data and financial habits.

Empower provides ATM fee reimbursements up to 3 times per month for those who qualify. There’s also an automatic bill negotiation feature that proactively helps users negotiate and potentially save on recurring bills like internet, phone, and cable TV.

To access Empower Cash Advance, users need to connect their primary bank account, and Empower will analyze transaction data to determine eligibility and provide useful financial insights.

7. Varo Advance

Varo Advance offers instant loan solutions ranging from $20 to $250 with a term of up to 30 days. Unlike some other apps, Varo Advance doesn’t charge interest, but instead, they implement fixed fees ranging from $6 to $15, depending on the amount borrowed.

The loan proceeds are disbursed instantly directly into the user’s Varo Bank account. To access Varo Advance, users must have an active Varo Bank account and receive direct deposits (such as payroll) of at least $1000 in the last 31 days to the account.

Varo Bank itself is a digital bank insured by the FDIC, meaning customer deposits are insured by the United States government. Besides Varo Advance, the bank also offers savings accounts with competitive APYs and attractive cashback programs for its users.

8. DailyPay

DailyPay is an app that partners with companies to provide employees with access to earned wages before payday. Through DailyPay, employees can withdraw up to 100% of their already-earned but unpaid wages, with the specific accessible amount depending on the policies of the employer.

The loan term is until the next payday. Each withdrawal transaction incurs a relatively low fee, ranging from $1.99 to $2.99. The requested funds can be transferred to a bank account on the next business day or can also be received instantly for an additional fee.

One of DailyPay’s advantages is its close integration with company payroll systems, making the process of verifying employee work hours and earnings easier and faster.

This app also offers flexibility in payment options, where users can choose bank transfers, debit cards, or prepaid cards. It is important to note that DailyPay doesn’t charge a late fee if a user is unable to repay the early wage access on payday.

9. Payactiv

Payactiv has a function similar to DailyPay, which is to offer access to earned wages before payday to employees, up to 50% of the net earned wages. The accessible amount depends on the policies of the company partnering with Payactiv.

The loan term is until the next payday. Payactiv imposes a service fee of $5 for each pay period (it can be lower or even free, depending on the company’s policy), plus $1 to $3 fees for each bank transfer transaction and card usage.

The disbursed funds can be received instantly through a Payactiv Visa card or transferred to a bank account within 1-3 business days. Besides early wage access, Payactiv also provides various other useful features, such as tools for bill payments, financial budgeting, and savings programs.

This app is also integrated with various payroll and HR platforms, making it easier for companies to implement early wage access programs for their employees.

10. Branch

Branch was initially known as an app focused on hourly workers and the gig economy, but now also offers an “Instant Pay” feature that allows users to access a portion of their wages early, up to 50% of the wages earned in a single day.

Similar to other similar apps, the amount that can be withdrawn depends on the policies of the company where the user works. The loan term from Branch is until the next payday.

To enjoy instant funds disbursement, users are charged a fee between $3.99 to $4.99, while standard transfers that take 3 business days are free of charge.

In addition to the “Instant Pay” feature, Branch also provides a digital wallet that makes it easier for users to receive payments, transfer money, and pay bills. They also have a cashback program that provides more benefits to users and ATM fee reimbursements for certain transactions. Branch continues to innovate and expand the reach of its services to benefit more workers, including those without permanent employment.

But remember, don’t just borrow carelessly!

Although these apps offer convenience, one should still be wise in using them. Don’t get trapped in an endless debt cycle! Make sure to first understand the applicable terms and conditions, including interest rates, administration fees, and repayment periods.

Before applying for a loan, consider the following:

  • How much is truly needed? Don’t borrow more than necessary.
  • Is it possible to repay installments on time? Carefully calculate income and expenses.
  • Are there better alternatives? Perhaps borrowing from friends or family, or selling unused items is an option.

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