Best Money Loan Apps For Cash Advances In 2022

People always need a small loan they can quickly pay back. Ever since companies started providing loans online, things have gotten quite easier. Moreover, you enjoy flexible repayment terms, so you don’t have to feel tense about the loan.

Most companies didn’t stop at websites. They wanted to make it more convenient for the users and introduced apps. Unlike websites, apps are pretty easy to use and keep you updated with notifications. Moreover, the app will keep you updated about the repayment time and how much you have to repay each month.

To help you find the right platform to get quick loans, we researched and found five of them. They all have apps that work on almost any mobile device you own.

4 Best Apps That Loan You Cash Advances Instantly

Before reviewing these apps/services, we took an additional step to mention our choices and their outstanding features. This will give you an idea of the specialty of these services, so you can quickly make your choice.

  1. MoneyMutual – Overall Best Money Loan App, Editor’s Choice
  2. Bad Credit Loans – Highly Recommended Loan App For Bad Credit Loans
  3. CashUSA – Most Popular Site To Get Cash Advance
  4. Personal Loans – Best Personal Loan App With No Credit Check

#1. MoneyMutual – Overall Best Money Loan App, Editor’s Choice

MoneyMutual was founded in 2010 after seeing that people in the USA require more short-term loans. Its founders built this platform to help people get quick loans within 24 hours and pay them back quickly to help increase their credit scores.

The service has been around for over a decade and has provided thousands of people with fast loans. MoneyMutual is one of the best cash advance apps available with its reasonable APR and quality service.

This platform is not a direct lender. Instead, it offers more than 50 lenders based on your requirements. Every trustworthy lender will provide you with the loan amount within 24 hours. However, if the lender takes time to process your loan request due to complications, it can take more than 48 hours to get the loan. So, be sure you have everything ready, as mentioned on the website, before proceeding with the loan request.

You can use MoneyMutual for free as the company won’t take any fees from you. Fill out the form, check what lenders offer, and choose the one that suits you the most. These lenders allow bargaining, so you can turn the conditions in your favor if you have good bargaining skills. However, if your credit score is lower than 400, you don’t have much choice but to listen to the lender.


Up to $5,000: The lenders at MoneyMutual make direct money deposits into your account. It takes about one business day for the loan to reach your bank account, and you can get a credit loan of up to $5,000.

The minimum loan you can get is $500, according to the website, but the customers say that some lenders offer $300-$400 loans if you want. While you can get a small loan on bad credit, you cannot get the $5,000 if you have a score lower than 500.

Credit Builder Loans: The company offers loans that help you quickly build credit. Thanks to the flexible repayment option they offer, you can pay back the loan when it is feasible for you, and the lender will report it as a timely-paid loan.

The lender also offers an extension in payback time to help you get some extra days before reporting your progress to the relevant authorities. The company also suggests how to pay the loan easily and what steps you should take to avoid getting low credit.

Payday Loans: MoneyMutual offers payday loans and cash advances, but they can ignore your credit score if you have solid income. If you desperately want a big loan, the company will match your income and offer you a loan. They’ll deduct the amount from your bank, so if you have more than $2,000 in income, you can take a loan of $5,000 without complications.

Soft Credit Pull: Instead of checking your credit score and history thoroughly, MoneyMutual only looks at your score. Since they are more interested in your income, they won’t pay much attention to the credit. Moreover, it is their job to provide loans to people with bad credit, so they cannot do a deep credit check.


  • No overdraft fees
  • No membership fees
  • You can borrow money without security
  • Quick loan disbursement
  • Safe and secure website


  • You’ll need an active bank account
  • Maximum loan amount is $5,000

⇒ Visit the Official Website of MoneyMutual

#2. Bad Credit loans – Highly Recommended Loan App For Bad Credit Loans

Bad Credit Loans started operations in 1998, making it the second oldest company on our list. In two decades, they have provided services to close to a million people, and most customers keep returning for more loans. They have a vast team of lenders, potentially the most extensive team in our choice of services.

The best part about this company is that it offers you multiple lenders and allows you to choose from them, unlike many other services where they connect you to one lender. This cash advance app can provide a loan for up to $10,000, and the minimum amount is $100.

You don’t have to put anything for security, and the lender won’t even meet you in person. They’ll check your details and transfer you the money you require. However, be sure to talk things out with the lender to avoid any complications in the future.

The company will help you connect with the lender, and the lender will make direct deposits in your account without interference from Bad Credit Loans. You don’t have to pay fees as the company takes them directly from the lender, and you can fill out the form as often as possible without worrying about getting charged.


Debt Consolidation Loans: Bad Credit Loans cash app offers to pay all your debt by offering a debt consolidation loan. However, this loan will work only for debit and credit cards. If your credit card limit is maxed out or you have online payments pending on your debit card, the lender will help you cover all your expenses as long as they are not more than $10,000.

While this is the limit put on by the company, you can convince the lender to pay your debts apart from debit/credit cards. These lenders are ordinary people looking to help others. However, they might charge more APR on custom requests.

Simple Loan Application: Bad Credit Loans has the most straightforward application form among these services. They don’t ask for any more stuff than details related to your bank and your citizenship. It only takes less than five minutes to fill out their form, and you don’t have to pay any fee for this.

Clients can fill out the form as often as they like. However, creating an account might make things easy as you don’t have to fill out the form from scratch. You only need to add the required loan, and the company will connect you to a lender.

Up to $10,000 Loan: This company will provide you with a loan of up to $10,000. The minimum loan you can get is $100. While filling out the form, enter the loan amount and proceed further instead of choosing a range. Remember that a smaller loan comes with a high APR and less repayment time. These small loans are the best way to increase your credit score.

24/7 Availability: This service is available every day of the week as they have customer support active all the time.


  • High-end security
  • No hidden fees
  • External lender’s network
  • Home enhancement and revamp loans are available


  • Requires a checking account

⇒ Visit the Official Website of Bad Credit Loans

#3. CashUSA – Most Popular Site To Get Cash Advance

CashUSA is one of the best payday loan apps to provide emergency loans for multiple purposes. People living in the USA can have the best experience with this service as they target the daily money demands of people.

You can get a loan running from $500 to $10,000, and you have the option to pay the loan within 72 months. While longer repayment brings lower APR, and short-term loans bring high APR, CashUSA keeps its rates between 5.99% and 35.99%. They also make sure that the lenders won’t charge huge interest too. On the other hand, the company does a soft credit pull which won’t affect your credit score.


Competitive Rates: If you can find another platform offering better rates, bring the proof to CashUSA, and they’ll provide you with the same or even lower rates. This competitive rate option makes this platform the most convenient choice for people who can’t afford high-interest rates. Moreover, the company won’t interrogate your query. Instead, they’ll check and offer you a lower rate.

Rapid Request Processing: Instead of taking hours or days to process and approve your request, CashUSA does that almost instantly. Their online form doesn’t process if the information is not complete. Instead, you will get an error message indicating the missing information. This feature saves users from delays resulting from missing data. Since this is an automated process, you can connect with lenders on holidays.

Auto-Repay Function: There is no need to worry about paying manually on the due date. Make sure you have money in your account, and the company or lender will automatically deduct it on each payment date. This significant feature makes CashUSA an excellent credit builder loan option.

No Worries on Repayment: Activate the auto-repayment feature and ensure to keep the repayment amount in your bank account. After that, you don’t need to worry if the payment has reached the lender or not. Once the money is deducted, you don’t have to trace where it is going.


  • Fast loan offers and disbursement
  • Transparent application process
  • No charges or fees for applying for a loan
  • Industry-standard encryption


  • Modest loan amounts

⇒ Visit the Official Website of CashUSA

#4. Personal Loans – Best Personal Loan App With No Credit Check

If this is your first time taking a loan, you won’t have any credit score to show. At such times, most banks check your bank statement to see if you are eligible for a loan. If you have a low income, the bank might refuse to give you the loan.

Personal Loans provide loans to people who have no credit score; they don’t care about your credit history as long as you have a stable income above $1500 per month. This service is available in all 50 states and is loved by many people because they ignore the credit score.


Up to $35,000 Loan: Personal Loans has become one of the most demanded “apps that loan” because it offers up to $35,000 to anyone applying for the loan. However, you’ll need to find a lender that provides such a huge amount.

They have a vast network of lenders, but not all of them can offer you $35,000. Some will stick to providing short amounts of up to $10,000. Moreover, you’ll need a good salary to get a significant loan.

Fast Cash: If you want a loan in an emergency and can’t wait for 24 hours, let the lender know your reason, and they can deposit the cash in less than 12 hours.

Since the company can’t do anything once you are connected to the lender, it is up to you how you can pursue the lender to help you quickly. However, ensure you are eligible for the loan you want; otherwise, the lender might not facilitate you.

Comprehensive Knowledge Base: This platform is best for accommodating newcomers as they have enough content on their website for people to learn about their work and functions.

If you don’t know the financial terms and how they work, check this website’s “How it Works” section to learn everything about them. You can also contact customer support if you are confused about anything.

Top-Notch Security: The company keeps all your information safe using SSL encryption technology. They don’t even share your data with lenders so that they won’t misuse it. Moreover, the company has professionals who check the website security daily for potential threats.


  • Speedy loan decision
  • No minimum credit score required
  • Free to use
  • Flexible loans
  • Ideal for short-term loans


  • Asks for a lot of personal information

⇒ Visit the Official Website of Personal Loans

How We Made This List Of Best Loan Apps?

Since this is not all about the apps, the companies behind the apps should be reputable. So, we paid most to the brands instead of paying particular attention to the apps. You don’t want a loan platform with excessive fees, high APR, and hidden terms and conditions.

We made criteria, and every company that passed it was added to the list. Then we ensured that companies were transparent, had a huge network of lenders, and provided loans within 24 hours. We tried to find companies that could offer a huge loan, but they asked for a good credit score of above 660.

What We Looked For?

Here are the factors we considered when making our list:

Flexibility in Loan: First, we looked for the loan range each company can provide since people with low credit scores require quick small loans to repay them on time to rebuild credit. Instead of finding companies that provide huge amounts, we looked for companies that can provide small amounts within 12-24 hours.

These services can provide loans starting from $200, and the max you can get is $35,000, depending on your credit score. Since an average small loan amount is $400 in the USA, such companies can be very useful.

Flexible Repayment Terms: Typically, most loan lending organizations give you a fixed time to repay the loan. While this is a good option as you get to pay the loan on time, it might get difficult for some people. So, we opted for companies that allow you to choose a loan repayment time. However, you might need to discuss this with the lender to avoid confusion.

Normally, the repayment time is from 3-36 months, depending on how much you took. Since such short-term loan companies can’t trust people with bad credit, they want a quick repayment. Our choice of companies has lenders that offer a convenient repayment schedule.

No Hidden Charges: The companies we chose are transparent and don’t have any hidden charges that you should worry about. Moreover, they don’t take a single dime from the borrower. Instead, they take a small fee from the lenders to stay on their platform.

Prepayment Option Available: If you have enough money to pay the rest of the loan, some lenders in these services offer a prepayment feature. However, they’ll charge you a fee to compensate for the interest they won’t get if you pay all the loans at once.

Buying Guide For Money Loan Apps

Here are a couple of factors you need to consider while looking for money loan apps.

  • Availability

Since there are multiple mobile platforms available, these apps should be available for each platform. You won’t be able to find such apps on the play store since they are not general-purpose apps. They’ll be available on the website, or the company will only offer them to their customers.

Most lenders have apps you need to install to communicate with them and keep a record. While talking about terms and conditions, make sure to ask them if they have such apps. These apps will keep you updated with your progress and won’t let you forget the repayment date.

  • Low APR

Short-term loans come with high APR, and having bad credit makes it even worse. Since lenders are unsure that you’ll pay them back, they offer huge interest rates, so whatever they get should compensate better. Another thing to remember is that companies mention an average APR on the website. The lender gives the real rate.

So, while searching for the loan services, check the rates available on the website and ask customer support to share them with you. Moreover, since these platforms don’t take charges from the borrowers, you are free to fill out the form and meet the lenders. There you can check the APR list and see if they suit you.

  • Transparency

The company you decide to choose should be transparent in their work. Most companies won’t disclose the important details until the customer has signed a contract with the lender. It might work for them, but it’s a huge inconvenience for the client. Go thoroughly through the company’s description and terms and conditions and ensure they have everything mentioned on the website.

If you are confused about something, contact customer support or check the FAQ section on the website. Some common questions that customers frequently ask are available on the website with the answers. Moreover, read all the conditions the lender offers and only opt for the one that suits you the most. There is no need to accept a lender that offers a high amount with obnoxious terms, as you can always pay the loan back and get another loan easily.

  • Multiple Loan Options

There comes a time when you have to pay the loan but don’t have enough money. To avoid getting a negative score, you can check if the company offers another loan to pay the previous loan. You can talk to the lender about this, and they’ll repay your previous loan with another one. However, this will work if you have taken a small loan since small loans have a short repayment time.

It also works for those services that accept the prepayment, where you can pay all your remaining amount at once. Also, ensure that you don’t have to fill out the form again since some companies save your details on their website.

  • Lender’s Network

Any service you choose should have a vast lender’s network so you can easily find one. These companies are constantly engaged in providing loans; thus, every lender is always busy facilitating someone. Some companies have an extended lender’s connection where they trust the lender to find another potential lender from his connections and provide a loan to the customer.

A good service should have more than 60 lenders active throughout the day unless someone has enough clients that they can’t provide loans anymore.

FAQs Regarding Instant Loan Apps

Which cash advance app is the best?

There is no correct answer to this as it depends on your requirements and preferences. Some offer loans on low credit; some don’t check for credit score and rely on your income.

If you have a good income but zero credit score, we recommend CashUSA, but if you want a huge loan, Personal Loans is an excellent choice. MoneyMutual is also an outstanding payday loan platform.

How much can I borrow from money loan apps?

You can borrow $100 to $35,000 depending upon which money app loan you choose. Some platforms won’t provide less than $500, but they offer good terms and conditions to facilitate the customers.

You also have to check the availability of the apps before choosing one. Not all of them are allowed to work in all states of the USA. Personal Loans is the only platform that is available all over the USA.

How much time do these apps take to provide a loan?

These apps or services won’t directly offer you a loan; instead, they have lenders to help you get a loan. The processing time is within minutes, and an average loan receiving time is 24 hours, but it can get late if there are complications in the information you provide or your bank decides to check before crediting the loan.

Do these apps provide a credit report?

Yes, all these services offer credit reports and provide performance reports to the finance bureaus. While they help improve your credit score, late payments on such platforms can become troublesome and significantly affect your credit score.

They might not check your credit score before providing you the loan, but they are bound to keep a record of your performance and report it so authorities can measure your credit performance and scores.

Conclusion: Which Is The Best Instant Loan App For Bad Credit?

If you want a quick loan of any kind, we have shared the best money loan apps to help you. They don’t check your credit score thoroughly and give you a decent loan even if you have a low credit score. We also mentioned details about them, what APR they charge, and all the other fees. You can go through them and decide on one service.

Remember, these services are not direct lenders. They’ll only connect you with the lender, so the APR written on their websites might differ based on the lender’s preferences.

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