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What Apps Will Let Me Borrow Money Instantly?

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Borrowing money has never been easier, thanks to the wide range of mobile apps that offer instant loans. Whether you need a quick injection of cash to tide you over until your next paycheck or a more substantial loan to cover a larger expense, there’s an app that can help.

One of the most popular apps for borrowing money is Dave. Dave offers short-term loans of up to $75 that are repaid with your next paycheck. There are no fees or interest charges, and you can get your cash within minutes of applying.

Another popular option is Earnin. Earnin allows you to access up to $100 of your earned wages before payday, providing much-needed financial breathing room for those who live paycheck-to-paycheck. There are no fees or interest charges on these advances, although there is a small tip optional tip amount that goes toward supporting the app’s continued operation.

For those who need a larger loan and don’t mind paying interest and fees, there are several options available as well. Prosper offers personal loans starting at $2,000 with APRs as low as 5%. LendingClub offers similar loans with APRs starting at 6%. Both platforms allow you to check your rate.

Earnin: Best for low fees

If you’re in need of quick cash and don’t want to pay high fees, Earnin is a great option. With Earnin, you can get an advance on your paycheck for up to $100 per day. There are no fees associated with using Earnin, and you can repay the amount borrowed as soon as your next paycheck arrives.

Dave: Best for small advances


Dave is a new app that promises to let you borrow money instantly, and it seems like a great option for anyone who needs a small amount of cash quickly. Dave offers advances of up to $1,000, and the company says that the money can be in your account in as little as 15 minutes.

The biggest selling point of Dave is that it doesn’t require a credit check, so even if you have bad credit, you can still get approved for a loan. That said, there are some drawbacks to using Dave. For one thing, the interest rates on loans from Dave are pretty high – up to 30%. That means that if you’re not careful, you could end up paying back significantly more than you borrowed. Additionally, Dave only operates in certain states right now (though more states are being added all the time). So if you don’t live in one of those states (or if Dave isn’t available in your state yet), then you’re out of luck.

Still, for those who need cash quickly and don’t mind paying high interest rates, Dave is definitely worth considering.

Brigit: Best for budgeting tools

If you’re looking for a budgeting tool that can help you keep track of your spending and also help you save money, Brigit is a great option. With Brigit, you can connect your bank account and credit cards to see where your money is going. You can also create a budget and set up alerts so that you know when you’re close to overspending. Plus, if you need some extra cash, Brigit can lend you up to $250 at 0% interest for up to 30 days.

Chime: Best for overdraft protection

Chime is a full-featured online bank that offers fee-free checking and savings accounts, with no minimum balance requirements. It also offers a unique feature called “SpotMe,” which allows qualifying customers to overdraft their account up to $100 without incurring any fees.

To qualify for SpotMe, you must have direct deposit set up with Chime and you must be in good standing with the bank. There is no credit check required to qualify for SpotMe, so it’s a great option for those who may not have the best credit but still need access to emergency funds from time to time.

Once you’ve been approved for SpotMe, all you need to do is use your Chime debit card as usual and you’ll never be charged an overdraft fee again, as long as you don’t exceed your $100 limit. If you do happen to overdraw your account, Chime will automatically transfer funds from your savings account (if you have one)to cover the shortfall, so you’re never left stranded without access to your money.

Chime is one of the few online banks that offer true fee-free checking and savings accounts, making it a great option for those who are tired of paying high fees at traditional banks. With its unique SpotMe feature, Chime has established itself as a go-to choice for anyone looking for an affordable way to avoid costly overdraft fees.

MoneyLion: Best for multiple financial products

MoneyLion is a one-stop-shop for financial products and services. The company offers a variety of products including loans, credit cards, investment accounts, and more. MoneyLion has a mission to help people improve their financial lives by providing access to products and services that can help them save money, build credit, and invest for the future.

The company offers two different types of loans: personal loans and line of credit loans. Personal loans are fixed-rate installment loans that can be used for anything from consolidating debt to funding a major purchase. Line of credit loans are revolving lines of credit that can be used for anything from everyday expenses to emergency funds. MoneyLion also offers a variety of other financial products including investment accounts, credit cards, and more.

MoneyLion is an online platform that makes it easy to access all of your financial products in one place. The company offers a mobile app as well as a web app so you can manage your finances on the go. MoneyLion also has excellent customer service with live chat support available 24/7. Overall, MoneyLion is an excellent choice for anyone looking for multiple financial products in one place.


Hi, I'm Steve, and I'm an internet marketing expert. I've been making a living online for over 15 years, and I know the ins and outs of the industry. I'm passionate about helping people find financial freedom, and I believe that internet marketing is a great way to do that. I'm always on the lookout for new and innovative ways to make money online, and I'm excited to share what I've learned with you.