Best Apps Like Albert for Small Cash Advances [2025]: No Credit Check, No Stress

Albert is a popular financial app that offers a variety of money management tools, including budgeting, savings, and cash advances. One of Albert's standout features is the ability to get a paycheck advance, called an Albert Advance, of between $25 and $1,000 without a credit check or interest charges. While this is a nice option for those who need quick access to funds between paychecks, you might be interested in exploring other apps. Albert requires you to have an Albert Cash account to qualify for advances, and it charges high fees to transfer funds to another bank account.

Fortunately, this isn't the only app that provides payday advances. There are several apps like Albert that will give you a paycheck advance, letting you borrow from your next paycheck, with no interest payments or credit requirements. And, like Albert, these apps don't require credit checks, impact your credit score, or charge interest. Here are some of the best alternatives we've found.

Apps like Albert comparison

	Maximum paycheck advance	Fees
EarnIn1 <p>EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit <a href="https://www.earnin.com/">EarnIn.com</a> for full details</p>	$750 per pay period	No monthly fees Up to $5.99 fee for expedited transfers2 <p>Lightning Speed is an optional service that allows you to expedite the transfer of funds for a fee. Depending on the product, the fee may be charged by EarnIn or its banking partner. See the <a href="https://www.earnin.com/privacyandterms/terms-of-service/fees">LS Fee table</a> for details.</p>
Current3 <p>Paycheck Advance is for eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. For more information, please refer to <a href="https://cdn.current.com/agreements/paycheck_advance_terms_11_25_2024.pdf">Paycheck Advance Terms and Conditions</a>.</p> 4 <p><b>Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.</b> The Current Visa®️ Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa®️ secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa®️ secured charge card. Independent approval required.</p>	$750	No monthly fee Fee for expedited transfers
Cleo	$2505 <p>Subject to eligibility. Amounts are based on accrued, unpaid income and range from $150- $500 for existing users, and $150- $180 for first-time users. To qualify for up to $500 you must direct deposit at least $750/month. Amounts subject to change. Same day transfers subject to express fees. See <a href="https://web.meetcleo.com/faqs">here</a> for more info.</p>	$5.99 monthly Cleo Plus membership
Tilt (formerly Empower)6 <p class="">Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC.&nbsp;Empower offers a 14-day trial for new customers followed by an auto-recurring $8/month subscription fee. Cancel anytime.<br></p>	$3007 <p>Tilt is a financial technology company, not a bank. Tilt offers a 14-day trial for first-time customers only. Once the trial concludes, Tilt charges an auto-recurring $8/month subscription fee. If you do not wish to pay the subscription fee, you must cancel your subscription before the end of your trial. If you are a returning customer, you will be charged $8 immediately. Cancel any time by visiting "<a href="https://support.tilt.com/hc/en-us/articles/19492872887447-Which-states-are-eligible-for-Line-of-Credit">Billing</a>" in the mobile app or contacting help@tilt.com. Tilt's full suite of products and services is not available in all states. Cash Advance is not available to Connecticut, Maine, or Washington, D.C. residents. Click <a href="https://support.tilt.com/hc/en-us/articles/19492872887447-Which-states-are-eligible-for-Line-of-Credit">here</a> to see if the Tilt Line of Credit is offered in your state. Not everyone will qualify. Offers range from $10–$400 and can increase over time with positive repayment history. In June 2025, the average offer was $100 for first-time customers; $174 for all others. As of 01/2025, 75% of those who checked Cash Advance eligibility qualified. See <a href="https://tilt.com/terms/">Tilt's Terms</a> for fee details.</p>	$8 monthly membership

EarnIn

EarnIn offers one of the highest maximum advances available to qualified users. However, it may take a couple of pay periods before you qualify for access to borrow up to $750 per pay period. First-time users can access between $0 and $150 with a daily max of $85 on average. Your "Pay Period Max" may increase after your first couple of pay periods. Regardless of your Pay Period Max, you can't borrow more than $150 per day.

With EarnIn, you can get your paycheck advance transfer for free within 1-2 business days. Otherwise, if you need it as soon as possible, you'll need to pay a fee of up to $5.99.

Visit EarnIn | Learn more in our EarnIn review

Current

What's nice about Current's paycheck advance service is that you don't necessarily have to open a Current account to use it. It can also work with third-party financial institutions. However, you will need to receive at least $500 in eligible payroll deposits in either your Current account or outside account to be eligible for a paycheck advance.

Current offers other financial tools designed to help you build your credit, including a savings account and fee-free overdraft protection up to $200.⁹ <p>Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to <a href="https://current.com/overdraft_protection_terms_of_service/" target="_blank" rel="noopener noreferrer">Fee-free Overdraft Terms and Conditions</a>. Individual Current Accounts only.</p> Plus, you can get your paycheck up to two days early when you set up direct deposit.

Visit Current | Learn more in our Current review

Cleo

Most of the best cash advance apps available require you to have a job that pays you a consistent income so you are getting a regular paycheck. However, freelancers and gig workers like myself don't necessarily get a paycheck every two weeks. For us, Cleo is a great option for paycheck advances because it doesn't require minimum recurring deposits or proof of employment to qualify.

While Cleo is a free app, the easiest way to access its advance service is to subscribe to Cleo Plus ($5.99 per month) or Cleo Builder ($14.99 per month).

With Cleo Plus, you can get a pay advance for up to $250, but first-time users are limited to borrowing between $20-$100.

Visit Cleo | Learn more in our Cleo review

Tilt (formerly Empower)

Tilt is a financial app that provides a line of credit and paycheck advance services. For a monthly membership fee of $8, you can get an advance of up to $400 delivered to your account within minutes (when the app was still Empower, the limit was $300). For instant transfers, you'll pay a fee between $1 and $8 or 3% of the advance amount. If you don't want to pay a fee, you may still get a paycheck advance faster with Tilt, because the platform deposits most advances in up to one business day.

There is no credit check required for the advance service. New users qualify for advances of around $100, on average, and Tilt may increase this amount if you're diligent about repaying your advances.

Tilt also provides financial tools for automatic savings and credit score monitoring that may help you stay on top of your finances.

Visit Tilt | Learn more in our Tilt review

Tips for using payday advance apps

Payday advance apps that enable you to access cash when you need it without paying interest and fees or impacting your credit are a great alternative to predatory payday loans of the past. However, that doesn't mean you shouldn't read the fine print so you know exactly what you are getting yourself into. Here are a few tips for using paycheck advance apps wisely.

• Read the terms carefully: Ensure you understand the repayment deadlines, possible fees, and requirements.
• Borrow only what you need: Remember, these cash advances are here to help you get through to the next payday. You don't want to borrow more than what your paycheck will cover.
• Choose reputable apps: Research user reviews to get a better idea of how the app operates to help you avoid scams or predatory lending.
• Monitor your bank account: Keep track of your cash advance transfers and repayments to ensure you can cover the payments and still have money in your bank.

How to borrow money from Albert

If you're not sold on any of these apps like Albert being right for you, and you just want to know how you would take out a paycheck advance with Albert, follow these steps.

Note: You don't need an Albert subscription to request an Instant Advance (although this used to be the case). However, you do need an Albert Cash account with automatic transfers (Smart money) enabled to qualify. If you don't have one of those, you'll need to open one first.

1. If you haven't already, enable "Instant" in the Albert app and link a bank account, which Albert will analyze to determine whether you qualify for an advance and, if so, for how much.
2. Go to the "Instant" dashboard in the app to request an advance. The app will give you a few options for the advance amount.
3. Choose the amount you want to advance from your next paycheck and follow the prompts to confirm.

You can either receive your paycheck advance directly to your Albert Cash account for free or pay between $5.99 and $19.99 to transfer it to an external account.

You'll have to request an Instant Advance each time you want one, and your limit may change at Albert's discretion.

FAQs

Bottom line

When it comes to paycheck advances, apps like EarnIn, Current, Cleo, and Tilt offer convenient alternatives to the Albert financial app. Many of these options offer advances that are very similar to Albert's.

While cash advance services can be helpful in managing short-term gaps in your finances, it's important to use them responsibly — borrow only what you need and keep track of repayment terms. If used wisely, these paycheck advance apps can provide a valuable financial cushion without the high costs and predatory nature of traditional payday loans.

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4.5

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No fees for standard speed transfers

Can work for any employer as long as you have a consistent schedule

There’s no hard or soft credit check + service won’t impact your credit score

You can access up to $750 between paydays