Best Apps For Instant Money: Top Cash Advance Apps In 2022

Getting online payday loans with guaranteed approval has become significantly easier compared to what it used to be. Before now, you could get discouraged from opting for short-term loans for various reasons. One of such reasons was the high-interest fees charged by traditional banks. Nowadays, you can find loan apps for instant money to borrow money right when you need it. Moreso, bad credit scores hindered several people from accessing payday loans.

While most banks require good credit reports, you can now find a financial technology company willing to give you an instant payday loan. These lending companies understand that most times, you don’t plan for a bad credit score; things just go wrong.

Sometimes your bad credit could be due to prolonged illnesses and bankruptcy. Bad credit could also result from heavy loans and other uncontrollable situations. These companies found a way to offer loans to individuals with bad credit.

From the point of view of the financial institution, it would be pretty crazy to give loans to people with bad credit. Why would lenders provide you with money instantly with no hope of getting returns? This situation is where bad credit companies become helpful.

While these online apps for instant money offer loans, there is a catch you need to know. These payday loan companies will give you a payday loan with a higher interest rate. As such, you should only borrow money from these companies if you can stomach the interest rate.

One thing that makes these apps for instant money stand out is their flexible policies. Furthermore, the lender’s guide you on how to build your credit scores. Hence, you can work your way back to a good credit record when using these services.

You will enjoy several other benefits from using these cash advance apps for instant money. In addition to building your credit report, you also get to access these loans at your convenience. These cash advance apps for bad credit offer more flexible terms with guaranteed loans. Thus, you stand a higher chance of getting fast loans with these cash advance apps.

You will typically find many apps for instant money online. However, not all these cash advance apps offer the best interest rates. In addition, some of these instant loan apps have hidden fees you do not know about. Unfortunately, you could also get scammed while trying to obtain instant cash. Hence, we compiled a list of the best cash advance apps that offer instant cash to help your search.

Our Pick For Top Apps To Get Speedy Cash

  1. Money Mutual – Overall Best Cash Advance App For Instant Loan
  2. Bad Credit Loans – Excellent App For Borrowers With Poor Credit Scores
  3. Cash USA – Most Recommended Site For Speedy Cash Approval

#1. MoneyMutual – Overall Best Cash Advance App For Instant Loan

MoneyMutual is one of the most reputable and popular apps for instant money in the US. This service is the best place to get instant cash if you need a cash advance. The platform has connected borrowers and lenders since 2010. With MoneyMutual, you always get lenders willing to give you the best.

MoneyMutual is not a cash advance app but helps you find lenders with the best fees. Note that you may not obtain personal loans with bad credit. However, the service tries its best to get loan offers for you.

You will find it difficult to obtain personal loans because most cash advance apps only work with good credit. Although you could find a lender, the fees may not favor you. This situation is where MoneyMutual comes in.

MoneyMutual acts as an intermediary between you and the lenders. The platform not only helps you obtain personal loans but offers educational materials. These educational materials help you obtain the best loan offers from most cash advance apps.

When you use MoneyMutual, you will understand the right way to get personal loans in your bank account. Furthermore, the service shows you how to avoid overdraft fees. You will also find MoneyMutual helpful in helping you avoid bad credit.

MoneyMutual is one of the best services for personal loans because it avoids any credit checks. The company helps you obtain personal loans by providing your information to genuine lenders. These lenders check your information and present their loan offers. If you feel satisfied with these offers, you can accept the loan.

You can trust MoneyMutual because the brand uses its over 12 years of experience to get the best loan offers. The positive reviews on the official website speak of the brand’s dedication. Furthermore, you will want to use MoneyMutual because it has one of the best customer-centric policies.

This service is beneficial because you do not have to stress during the application. Once you fill out the form on the website, the service completes your application. You can accept and get a direct deposit to your bank account if you love any offer.

According to the user reviews, MoneyMutual helped provide the best services. The platform provided a means for people to get money instantly by using a simple, instant loan app.

Users also loved that they could save money since the payday lenders did not require any cash advances. Furthermore, users found the pay period for their loans very acceptable.


Easy-to-Use Interface: This platform is one of the easiest to use. MoneyMutual uses the most straightforward application processes spotted by cash advance apps. You will fill out a form detailing your age, place of residence, and name on the official website.

Detailed Application Process: You will also provide information on your net earnings. MoneyMutual also asks you for other details to help you obtain the best personal loan. Once the service approves your data, you will get access to suitable lenders. MoneyMutual also prompts you to fill out other information on the instant loan app to help with the loan approval. You can also ask the lenders a series of questions to obtain clarification. You could ask them about the overdraft fees and duration of the loan. If you do not feel comfortable with the lender, you can decline the offer.

Instant Money: MoneyMutual provides instant money apps that offer up to $5000 in loans. The instant loan app makes a direct deposit into your bank account if you get approved. Thus, you always get guaranteed loans. Some lenders even consider you with your bad credit score. However, there is no guarantee on loans with bad credit from the online company.

No Hidden Fees: You will find it enticing that MoneyMutual does not charge extra fees for using its services. Furthermore, you will get a quick bank deposit into your bank account from the loan app you agreed to terms with. You do not need an external bank account to get a loan from the loan app.

No Overdraft Charges: MoneyMutual has payday lenders that do not charge overdraft fees. The payday lenders that charge overdraft fees do not charge excessively.

Safe Interface: You also don’t need to worry about safety because the service provides your information. Not every data filled out in your form gets sent to these payday lenders. If the loan app needs more information, MoneyMutual notifies you before giving it to them.


  • Fast payouts
  • Simple application process
  • No interest cash advance
  • Excellent customer protection
  • Genuine payday lender network
  • No hidden fees


  • Only accessible to US residents

=> Click here to visit the official website of MoneyMutual

#2. Bad Credit Loans – Excellent Cash Advance App For Borrowers With Poor Credit Scores

This company’s name already describes everything you need to know about this service. Bad Credit Loans is not a cash app. However, the platform helps connect you with payday lenders that offer money to you before your next paycheck arrives. Anytime you run into an unexpected expense, Bad Credit Loans can get you out.

You will find this service unique because your pay period extension does not depend on the reason for taking a personal loan. Furthermore, this service ensures you get instant cash deposits into your bank account.

This service resembles MoneyMutual because you will get professional financial advice on managing your credit history. In addition, the platform helps you to make the best choices when trying to get a personal loan. You can also rest assured knowing that the platform connects you with an instant loan app with the best offers.

However, you must note that the platform only works for US citizens. Furthermore, you must have a steady income to enjoy any personal loan from this instant loan app.

Users loved Bad Credit Loans because they could get a cash loan to solve their issues. In addition, users loved that their bad credit score did not stop them from getting a personal loan. Users also appreciated the platform for choosing from multiple lenders available.


Easy Application: Bad Credit Loans has an easy application process. You can get a bad credit loan from this service after filling out the form online. In addition, you will have to verify your identity. The platform requires you to provide your proof of citizenship and other required information. Note that your answers don’t affect your loan amount.

Vast Payday Loan Apps: The platform links you to a payday advance app to help you get a personal loan. You will start getting offers from these instant loan apps that want to work with you. Most of these platforms do not perform credit checks due to their rapport with Bad Credit Loans.

Varying Loan Amounts: The instant loan apps on Bad Credit Loans can offer loans between $500 to $5,000. Moreover, you can enjoy this loan service if you have financial challenges that do not require many funds.

No Extra Fees: You can save more money because Bad Credit Loans does not charge extra fees for its services. You will get your instant loan amount within 24 hours after approval. Additionally, the service has flexible repayment packages.

36-Month Repayment Period: You can enjoy up to 36 months to repay your loan. You need to link your secured credit card to deposit cash every payday. Hence, you can make reasonable payments without causing damage to your finances.

Guaranteed Loan for Bad Credit: The payday advance apps on this service consider people with bad credit scores. You stand a high chance of getting a personal loan with this service, irrespective of your credit score. You can save money since you get to work with a flexible repayment schedule.


  • Loan approval for bad credit score
  • Direct deposits into your bank account
  • No external bank account required
  • No hidden extra fees
  • Flexible repayments


  • High-interest rates

=> Click here to visit the official website of BadCreditLoans

#3. CashUSA – Most Recommended Site For Speedy Cash Approval

Like all the previous personal loan services we have considered, CashUSA does not give out loans. However, the platform connects you with the best personal loan apps with the best offers.

CashUSA helps you obtain car loans with bad or no credit. The brand also shows you the correct way to calculate your credit score.

The lending service makes money by connecting borrowers to its vast lender service. This service has over one thousand lenders.

You can begin enjoying the service after you complete the online application. CashUSA makes the application process simple and short for users. You will also find the user interface very interesting.

We mostly found positive reviews associated with this service. Users preferred the service for getting personal loans to finance emergencies. The service allowed users to use direct deposit funds to finance themselves.

The instant loan apps on the service provided flexible repayments. Hence, you can pay your money conveniently when your paycheck arrives.

The service also has the backing of the Better Business Bureau with an A+ rating. Although the loans are not interest-free, you get reasonable interest rates. Users also love that you do not have to pay exorbitant monthly fees with this service.


High Loan Amounts: CashUSA has one of the most accessible loan apps on this list. The service has a swift and easy application process that guarantees you up to $10,000. Furthermore, this service has tools that show you how to manage your funds, not just loans. Thus, you can effectively use this service to gain financial literacy and discipline.

Guaranteed Loans for Good and Bad Credit: It doesn’t matter if you have a bad credit score; CashUSA links you with the best payday loans. CashUSA also helps you obtain low-interest loans after you fill in your information. Also, you will provide information about your house. Although you may feel the brand has a cumbersome process, the loan amount makes the stress worth it.

Vast Lender Network: As we stated earlier, CashUSA does not give out loans. The service only links you with the best payday lenders. You must note that this service is only accessible to people 18 years and above. Furthermore, you must be a resident of the US to enjoy this service.

Steady Income Loan Guarantee: You will only benefit from this service with a steady source of income. However, there are some exceptions.

Direct Deposits: This service does not collect money on your behalf. CashUSA only requires you to drop your bank account details. Once your loan gets approved, the lender makes a direct deposit into your bank account. Furthermore, you do not require any external bank account to obtain loans from this service.

Potentially High APRs: You may, however, face potentially high APRs since these loans are for people with a bad credit score. Furthermore, you may end up entertaining calls from lenders even after you’ve accepted a loan from a lender.

Good BBB Backing: One good thing with this service is that it has the backing of the BBB with an A+ rating. Note that CashUSA is not a bank.


  • No credit check
  • Financial advisors to help you
  • No account history check
  • Direct bank deposit
  • Sure loans
  • No outrageous monthly fees
  • Guaranteed loan amounts
  • Flexible repayments
  • Quick service


  • Only accessible for US residents

=> Click here to visit the official website of CashUSA

#4. Bills Happen : Foremost App For Instant Money 

Since its establishment, Bills Happen has helped many people to get payday loans. Like the other brands on our roundup, Bills Happen is not a lender. This service works with borrowers with bad and good credit. The service connects these borrowers to genuine car dealerships and lenders.

This service requires you to fill out certain information on the official website. Once your data gets verified, the service links you with lenders. You begin to get offers, and you get to choose an offer that works best for you.

The service links you with lenders that offer loans to people with good and bad credit histories. Hence, you can quickly apply for a pay advance using this pay advance app. Another good thing is that this brand has a short and direct application process.

We found that this service had a good standing with credit unions. Hence, users could obtain genuine loans from the service. Furthermore, we found that the service worked with fast and efficient lenders. You do not need to deposit money to any lender’s account to obtain these loans. Furthermore, these payday lenders provide direct deposits to you on approval. Hence, you could get your loan as little as the same day.


Proof of Income Required: You will have to provide proof of income before obtaining a loan from this service. You have to provide your bank account information. Also, the service requires you to submit your pay stub. The minimum requirement could range from $1000 to $2000. However, the service does not take notice of your debit purchases. Furthermore, the service does not consider your direct deposit history.

Identification Verification: The service may also require you to provide proof of identity during the application process. You’ll have to submit a valid government-issued ID carrying your signature. You will also have to submit a utility bill with your current address, which tallies your ID address.

Save Money: You can save more money with this service because you do not pay any money for applying for a loan. However, the service performs a credit check before approving your loans. The service works with major credit bureaus to perform a credit check on your bank account.

Interesting Loan Terms: Your loan terms and interest rate varies depending on your credit score. You could get an interest rate ranging from 0% to 25%. The lenders use your credit profile and bank account history to determine the loan amount: the higher your credit score, the lower your interest rate. If your loan gets approved, the lender will deposit cash into your bank account.

Loan Up to $5000: This service offers loans up to $5000. Once you fill out and submit one form, you get multiple loan options from various payday advance apps. You will get the money in your account as soon as the next day if your loan gets approved. So far, the service has helped over 250,000 users to get personal loans from personal loan apps.

Multiple Profiles: The service provides many credit profiles for you to consider. You have to choose from good to bad credit. Next, you’ll need to provide your monthly debt history. You will need to provide information on your bank balance and visa debit cards. Also, you will provide information on child support, alimony, student loans, etc.


  • Direct deposits into your bank account
  • High loan amount with good credit
  • Guaranteed cash loan
  • Good standing with credit unions
  • Easy to use
  • Flexible repayment schedules


  • Only accessible to US residents

#5. Credit Loan : Top Ranked App For Money Loan

This service also helps connect lenders with borrowers. Hence borrowers with good and bad credit can get loans on the service. This service has helped more than 750,000 users since its inception in 1998. Credit Loan has very informative content on its website to help you get the best loan offers.

This service used several years of experience to help match borrowers with low-interest payday advance apps. Furthermore, the brand has a wide range of services and products. Such products and services cover people with good and bad credit. You can also enjoy the loan calculator that tells you how to calculate your loan scores.

One good thing with this service is that you can get multiple loans offers with a direct deposit to your account. Furthermore, the service does not require external bank account details to credit you after approval. You will get a direct deposit to your account after approval.

Users loved the services offered by this brand. Firstly, the brand provided genuine loans to people looking to get loans. Furthermore, users loved the vast network of lenders. Customers also appreciated the autonomy they enjoyed in spending their money. They loved that the service did not place restrictions on how they could use their money after approval.

Users also loved the service because of its long and flexible repayment schedules. The repayment schedules allowed users to make payments without issues. Furthermore, clients could avoid late fees by making payments before their next paycheck. Also, this service did not require an external bank account history to credit users.


No Deposits Required: You will notice that all loans offered by this service work in a particular way. After your loan gets approved, the service will transfer money to your account. Note that you do not need to deposit cash before accessing your loan.

No Spending Restrictions: You can use your loan to sort out your emergencies. Credit Loan does not place restrictions on what you can use your loan to do. Hence, you have the liberty to spend your money at will—however, the lender advises you on how to optimize your loan for practical outputs.

Varying Loan Amounts: The lending process may vary on this service depending on the lender. You will get a minimum loan amount of $250. You could also get as high as $5000. But, you can always enjoy a higher loan amount with better credit scores.

No Unnecessary Membership Fees: Another feature of this service is that you will not have to pay unnecessary membership fees. The service only charges affordable membership fees with no hidden charges. This loan service provides a flexible repayment period for your loans. The service allows you to choose the duration of your loan.

Low-interest Loans: You also enjoy an almost interest-free advance on your loans. This service’s annual percentage rate (APR) stands at 3.49% if you have excellent credit and autopay options. Your loan interest rates may vary depending on the lender. However, you can always make it a habit to repay your loan before the next payday to avoid late payment fees.


  • Pay before the next payday
  • Excellent services
  • Instant qualifying direct deposits to your account
  • No need to transfer money to enjoy loans
  • Loans for bad credit score


  • Only accessible to US residents

How We Made The List Of Apps That Loan You Money 

We set out to get the best cash advance apps for instant money. While surfing the internet, we saw several potential apps, each promising prominent benefits. Hence, we came up with various means to determine the best apps.

What We Looked For

We set a few guidelines to help us make sense of the products while selecting the best apps. These guidelines served as roadmaps to choosing the best loan apps for users. Here are the criteria we considered while looking for the best loan apps.

  • Brand Reputation: We compared the brands that owned these apps and the track records these platforms had under their belt. We favored apps with an excellent track and brand reputation over brands with no history in the finance industry. Our team also considered new brands with great loan offers. However, we ensured that the loan services checked each box we had set out to achieve before including them on our list.
  • User Reviews: Our team compared the user feedback from various brands and found that the apps on our list were more suitable. One common thing among the brands we listed in our review was the positive feedback. Users loved the services offered by these lending services and preferred to use them for instant cash. Hence we listed these apps to help you obtain loans with the best terms and conditions.
  • Interest Rates: Another factor we considered was the interest rates. Our team compared several loan apps for instant money before making our final picks. We found that several emergency loans apps offered loans with high-interest rates. Hence, we did not include such loans in our roundup. In addition, our team found that certain loan services offered loans with high interest over short periods. We found that these lending services made repayments challenging for users. Hence, we did include such services in our roundup. We only chose brands with fair interest rates. Apps with reasonable interest rates made it to our product roundup.
  • Repayment: Our team considered several lending apps to pick out loan platforms with the best repayment periods. We ensured that the loan services on our list offered flexible repayment periods to users. In addition, some lending services allow users to extend or change their repayment dates. Hence, we favored such loan apps over those with strict repayment schedules. One other thing we considered was the money paid per repayment period. We picked loan apps that let users pay conveniently without straining their finances.

Things To Consider When Looking For Cash Advance Apps

Getting open platforms that offer instant money loans can be pretty challenging. Hence, we have outlined a few points to help you pick the best loans.

  • Eligibility

Not all bad credit scores are the same. Thus, you need to know the minimum scores accepted by these companies. Furthermore, you need to know which category your credit history and score belong to. Most companies will not agree to work with you if your score goes beyond their threshold. Hence, several loan companies will not take any score lower than 620. This score agrees with the FICO (Fair Isaac Corporation) credit score charts.

Sometimes you may find a lender willing to work with your low credit scores. However, the interest rates from these lenders are over the roof in most situations. These lenders may request an APR higher than what you can afford. You can overcome this hurdle by finding someone with higher credit ratings to sign the agreement. Hence, you can gain the lender’s trust with a credible guarantor.

  • Interest Rate Per Offer From Cash Advance Apps

Anytime you get an offer from a lender, you need to study the interest rates first. Sometimes the rates are pretty high and may not favor you. Hence, you can check several proposals before choosing the best offer that works for you. It will be a plus if you know how to calculate the interest rates offered by these loan companies. Hence, you know how to determine what’s favorable and what is not.

  • Terms Of Agreement

Another thing you need to pay attention to is the terms of agreement for each proposal you receive. You need to study each proposal carefully before signing any contract with these loan companies. If you do not quite understand the terms in your agreement, you can ask for clarifications for the lender. Alternatively, you can hire a lawyer to go through the terms and conditions on our behalf. You need to pay more attention if you have a bad credit history. Most lenders tend to take advantage of borrowers with bad credit.

  • Repayment Schedule

You need to know that taking a loan entails several things. It is more than agreeing to low-interest rates and flexible repayment schedules with the lender. You need to always check the time you have to repay your loan. In addition, you need to consider how much each repayment costs. It would help check if you can easily make each repayment by your next paycheck. These factors will help you determine if you can meet up with your payment schedule.

  • Service Costs

Most lenders charge you for services offered. Some even require you to pay membership fees. Furthermore, you may see lenders that request cash advances before offering you any loan. You need to be wary of such lenders that request cash advances. If they pay more attention to the money than the loan they want to give you, you should not patronize them. Reputable brands do not request cash advances before offering loans to their clients.

You could go for loan services requesting cash advances. However, it would be wise not to pay outrageous amounts of money as processing fees. Some services do not require you to pay anything. The services we have included in our roundup do not take cash or collect little cash advances from their clients.

FAQs Regarding Apps For Instant Money

  1. What does it mean when a lender says checking account?

When a lender says checking account, they are verifying your information. All you need to do is wait for a while, and you will get feedback from the lenders. While waiting, it would help to look out for calls which may come from the lender.

  1. How to identify an excellent credit score?

You can find the acceptable credit score on the FICO charts. A good credit score, according to FICO, is 580. Most credit companies will not take loans less than this score. However, most credit companies may take up to 620. You can perform a credit check to know your credit score.

  1. How to Improve Credit Ratings?

You can improve your credit rating by paying your loans on time. Furthermore, you could pay back consistently or not borrow at all. Always borrow only when you need money. Also, be quick to pay back your loans.

  1. How long before one can fix a bad credit score?

You can fix your credit score depending on your financial record. Bankruptcy issues usually take years to resolve. Typically, it will take a few months to improve your credit score for other minor problems. Most lenders have credit specialists you can consult. You can talk to these advisors to get advice on fixing your bad credit. Alternatively, you can speak to your financial advisor to gain more insight into ways to build your credit score.

Final Words : Best Instant Money Apps With No Credit Check: 

Nowadays, you can find apps for instant money across the internet. However, not all these online apps offer the best same day loans with reasonable interest rates. Hence, it is always wise to check correctly before committing to any lender. You could pay back twice the amount borrowed if you do not take care. Hence, we reviewed top lending companies to help you with your emergencies.

The companies on our list offer guaranteed loans. All you need is proof of timely payments. It will be wise to always prepare yourself before applying for any loan. Preparations help you correct bad records and gain better grounds with lenders. Furthermore, you get to study each proposal carefully before committing.

Always ask for clarification if you don’t understand anything. You can ask the lenders to throw more light or hire a lawyer. Your lawyer can tell you if the offer suits you.

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