Cash advance and pay-advance apps, in plain English
A $5 fee on $100 for a week is a 261% APR.
Most cash advance apps say their fees aren’t interest, so they don’t show an APR. We work it out from their own published fees, show which banks they work with, and lay out the rules in your state and what regulators have said, with a source for every fact.
A $100 advance, instant transfer, repaid in 7 days
Lowest cost first, from each company’s own published fees. Tips $0; required memberships counted. Full ranking and CSV.
Works with my bank?
Chime, Cash App, Varo, Current, Chase and others: what each app’s own help center says.
Rules in your state
15 states with an earned wage access law or major official action, from the statutes themselves.
Cheaper options
Credit union loans capped at 28% APR, 211, bill payment plans and other ways to cover a gap.
How we work
Every fee comes from the company’s own terms; every rule from a statute or regulator; every lawsuit or settlement from the official record, described as what it is. We don’t lend, don’t take applications, and don’t rank apps by who pays us. Editorial policy · How we calculate.