These are selected research records, not rankings or offers. A brand can have multiple products. Confirm the product, state, destination and live in-app terms; no advertised maximum is treated as an available advance.
EarnIn Cash Out / Cash Out Link
Official sources checked 2026-11-09
Costs
Product matters. The November 2 fee table lists $0 standard delivery for Cash Out and Cash Out Link; Link also has a $1.99 service fee per transfer. The base Lightning Speed tiers are $3.99, $5.99 or $8.99 by amount, with state and product exceptions. Tips may be optional where offered.
Delivery, repayment and official sources
Delivery
Standard ACH takes business days. Lightning Speed depends on the bank connection, account factors and state; the help page describes up to 30 minutes. Do not treat this as a guaranteed deadline.
Repayment
EarnIn describes automatic debit of accessed earnings and applicable fees when the paycheck arrives. Review the app’s upcoming debits and the exact product agreement.
Questions to confirm
- Is my offer Cash Out, Cash Out Link, a card transfer or Early Pay?
- What state-specific fee table applies to this exact amount?
- What total debit and repayment date does the app show?
Dave ExtraCash
Official sources checked 2026-11-09
Costs
Dave discloses membership up to $5 per month and an ExtraCash overdraft service fee of 5% of the transfer, with a $5 minimum. External debit-card delivery adds an optional 1.5% fee. Check any promotion separately; a waived first service fee does not waive every charge.
Delivery, repayment and official sources
Delivery
The fee help page lists instant delivery to Dave Checking with no additional delivery fee, external debit delivery within an hour for its fee, and external ACH in 2–3 business days without an additional delivery fee. The service fee is separate.
Repayment
The current disclosures call ExtraCash repayable on demand. The product page also describes a settlement date and automatic or partial settlement from connected accounts. Confirm your agreement’s debit schedule.
Questions to confirm
- What membership amount and service fee apply to me?
- Which delivery destination am I selecting?
- What settlement and partial-debit permissions apply?
Brigit Instant Cash
Official sources checked 2026-11-09
Costs
Brigit’s terms describe a free advance path without a subscription. Optional Plus costs $5.99–$9.99 monthly and Premium $15.99; legacy or promotional pricing can differ. Optional express delivery costs $0.99–$5.99 for non-Premium users; Premium includes express delivery. Review the actual plan shown.
Delivery, repayment and official sources
Delivery
The terms describe standard delivery within three business days depending on processing; express is typically within 20 minutes with a linked debit card. Timing and availability are conditional.
Repayment
The terms describe advance-plus-optional-fee debits, an in-app date or extension, and a manual ACH option. They state advance repayment is voluntary but future advances are suspended until repaid. Separate subscription charges and products have separate terms.
Questions to confirm
- How do I access the no-subscription advance path?
- Is this Instant Cash, Credit Builder or the separate line of credit?
- What date, extension and debit authorization apply?
MoneyLion Instacash
Official sources checked 2026-11-09
Costs
The pricing page lists no Instacash monthly administrative fee or interest. Optional Turbo delivery costs 7.5% of the advance, capped at $14.99, to MoneyLion Spend, or 9% to an external account. Tips are optional. Other MoneyLion products have separate charges.
Delivery, repayment and official sources
Delivery
Free standard delivery is listed for MoneyLion Spend; external delivery generally requires Turbo. Terms provide an external-standard exception if you cannot open or maintain Spend. Standard timing varies across MoneyLion pages; pricing lists 1–5 business days. Confirm the app’s estimate.
Repayment
The terms describe a displayed date, generally linked to deposits but sometimes different, and authorized automatic or manual payments. They state no repayment obligation, while unpaid advances prevent further advances; review backup-payment permissions.
Questions to confirm
- What destination and Turbo fee are shown before confirmation?
- Does the external-standard exception apply to me?
- Are there multiple repayment dates or authorized backup payment methods?
Chime MyPay
Official sources checked 2026-11-09
Costs
MyPay is a line of credit, separate from SpotMe and Chime Instant Loans. Chime discloses no interest and free delivery within 24 hours. Optional instant delivery is 3% of each advance, with a $2 minimum and $5 maximum. It requires an eligible Chime Checking account and is offered only in certain states.
Delivery, repayment and official sources
Delivery
Choose free delivery within 24 hours or the optional instant route shown in the app. Confirm the eligible amount and applicable bank agreement; limits and availability can change.
Repayment
Authorized repayments come from Chime Checking deposits around the estimated pay date; partial deposits can produce partial repayments. Chime’s help page describes expanded deposit sources after missed expected deposits and a 36-day condition. Instant fees are repaid before advance principal.
Questions to confirm
- Which Bancorp or Stride MyPay agreement applies in my state?
- What fee applies to each separate advance?
- Which deposits can be debited, and in what priority alongside other Chime products?
Tilt Cash Advance (formerly Empower)
Official sources checked 2026-11-09
Costs
Tilt’s subscription is $8 monthly after an eligible first-time trial; legacy pricing can differ. The terms allow requesting a subscription-fee waiver. Standard ACH delivery is free; optional external instant delivery has amount-based $1–$8 fees below $300 and a 3% fee from $300, subject to state exceptions.
Delivery, repayment and official sources
Delivery
The terms describe generally one-business-day ACH or instant delivery to an eligible Tilt debit account without a delivery fee. Optional external instant delivery is generally within an hour. Confirm the app’s route and estimate.
Repayment
Tilt describes debiting the advance plus delivery fee around the forecast paycheck, with possible partial withdrawals if funds are insufficient. Terms describe non-recourse advances and possible loss of further advance access if unpaid. Separate card and line-of-credit agreements differ.
Questions to confirm
- Can I request a subscription-fee waiver, and when would billing otherwise begin?
- Is this Cash Advance rather than the separate line of credit or credit card?
- What state-adjusted delivery fee and repayment authorization apply?
Cleo Cash Advance
Official sources checked 2026-11-09
Costs
Cleo’s terms allow requesting an advance through customer service without a subscription. Optional base monthly plans are Plus $5.99, Pro $8.99 and Builder $14.99; mobile bundles, tests and legacy pricing differ. Optional express delivery costs $4.49–$14.99, payable with repayment. Confirm the actual quote.
Delivery, repayment and official sources
Delivery
Standard delivery is free. Terms describe generally three business days, while the request-help page says 3–4 days; express is described as within 24 hours or same-day. Confirm the app’s estimate rather than relying on a guaranteed deadline.
Repayment
The request-help page describes choosing a repayment date 3–14 days away. Terms call advances non-recourse but permit refusing further advances until an earlier advance is repaid. Review the separate advance agreement and debit authorization provided with your request.
Questions to confirm
- How do I request the no-subscription advance path?
- What delivery estimate and express fee apply to my card and request?
- What repayment date, rescheduling and debit permissions appear in my agreement?
Albert Instant Advance
Official sources checked 2026-11-09
Costs
This record covers Albert Instant Advance, not Albert Instant Loan or Instant LOC. The November 2 terms say an Advance needs no subscription, interest or late fee. Transfer to Albert Cash is free; any available external transfer fee is disclosed in the app. Its numeric amount is not publicly specified in the reviewed terms.
Delivery, repayment and official sources
Delivery
The terms describe instant transfer to Albert Cash at no charge and, if offered, external linked-account delivery typically within minutes for the disclosed fee. Confirm the destination: the help page says advance funds go to Albert Cash. Geographic and account restrictions apply.
Repayment
Terms describe a six-day repayment period and an in-app extension request of up to seven days. Advances are non-recourse, but unpaid balances can suspend future access. Smart Money and linked-account debit/setoff permissions need review separately from any subscription.
Questions to confirm
- Does my screen say Instant Advance, Instant Loan or Instant LOC?
- Is the transfer staying in Albert Cash, and what external fee would apply?
- What due date, extension and Smart Money or linked-account debit permissions apply?
Compare the exact product, not just the brand
For EarnIn and Dave, compare the actual service charge separately from any delivery charge. An advertised free delivery route can coexist with another charge. For Brigit and MoneyLion, confirm which plan or account is involved, whether a free route exists and which charge applies to the chosen destination. The records above preserve those distinctions.
Use the calculator below with your own disclosures. The example inputs are deliberately independent of the provider records, because charges can depend on personal product and transfer choices.
Worked example · Hypothetical USD inputs
The same $200 advance can have different costs
Assume a $1,200 take-home paycheck and $850 of other expenses before the following payday. Fees in this example are added to repayment, and one membership charge is due in that paycheck period. The examples are independent of the provider records above.
Monthly use changes the accumulated charges| Route | Service / delivery per use | Monthly membership | Uses | Monthly charges | One repayment | Room after next paycheck |
|---|
| No-charge route | $0.00 | $0.00 | 2 | $0.00 | $200.00 | $150.00 |
|---|
| Paid delivery + membership | $5.00 | $10.00 | 2 | $20.00 | $205.00 | $135.00 |
|---|
| Same paid route, eight uses | $5.00 | $10.00 | 8 | $50.00 | $205.00 | $135.00 |
|---|
Two uses on the paid route cost $20.00 in the month; eight cost $50.00. Twelve identical months would cost $240.00 or $600.00, respectively. That is arithmetic under constant assumptions, not a prediction of use.
The paycheck column includes one repayment only. If several advances are due together, add those other repayments to expenses. The figures do not establish that a free delivery route meets a bill deadline or that any provider will offer $200.
What to record from the actual app
- The exact product name and account or membership plan.
- Gross amount, all service/delivery charges, chosen tip and usable cash.
- Which charges are withheld now and which are part of the later debit.
- The usable-funds estimate, repayment date and debit permissions.
- Whether a no-charge route exists and whether its timing works for the bill.
Put all repayments and paydays on one calendar →
