{"app_store_id":1507829573,"slug":"atm-cash-advance-instant-money-1507829573","name":"ATM Cash Advance・Instant Money","subtitle":"Get Real Cash Advances Now","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/5f/5c/6d/5f5c6da7-a17b-548e-3431-7f319fd920e1/AppIconProd-0-0-1x_U007emarketing-0-6-0-85-220.jpeg/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/atm-cash-advance-instant-money/id1507829573?uo=4","price":0,"currency":"USD","rating":4.70702,"rating_count":31504,"in_app_purchases":false,"recent_rating":2.8,"recent_review_count":20,"reviews_checked_at":"2026-10-22T00:43:12.842Z","primary_genre":"Finance","version_date":"2026-10-15T16:47:44Z","updated_at":"2026-10-22T00:43:12.842Z","stale":false,"missing_since":null,"one_liner":"Free finance app offering ATM Instant Cash advances, budgeting and spend tracking tools, and rewards from games…","verified_maker":false,"maker_site":null,"file_size_bytes":213351424,"minimum_os":"16.2","content_rating":"17+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/19/8c/45/198c45e7-30ab-5141-d908-84b0bcf818c4/1242x2688.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/d6/df/3b/d6df3b79-d9ea-678f-268e-ad408b499fdd/1242x2688-7.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/eb/36/d4/eb36d48a-a673-60df-0e7b-aa89325619ef/1242x2688-6.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/7e/cb/44/7ecb440a-ea92-7058-7b3a-cf57878af1d9/1242x2688-5.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/90/75/bd/9075bd65-86cb-2630-f49a-b1626b0e78ef/1242x2688-4.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/1a/49/05/1a49055b-35db-41f6-57f3-d9a8abd9b6ec/1242x2688-3.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/b4/97/46/b497467b-dd11-5f88-b8cd-c7b4512e3cb0/1242x2688-2.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/8f/b5/fe/8fb5fe79-3632-e5c2-1c91-922bd9158e4c/1242x2688-1.png/320x480bb.jpg"],"developer_name":"ATM.com, Inc.","editors_choice":false,"url":"https://apptierlist.com/apps/atm-cash-advance-instant-money-1507829573/","api_url":"https://apptierlist.com/api/v1/apps/atm-cash-advance-instant-money-1507829573","schema_version":"1.0","generated_at":"2026-10-24T03:27:46.019Z","data_as_of":"2026-10-24T02:57:13.306Z","description":"ATM Instant Cash is an instant cash advance and cash rewards app for people who need fast access to real money or want to earn real cash. Get an instant cash advance for unexpected expenses, emergencies, or to help avoid overdraft fees - with no credit check, no interest, and no late fees. Earn cash rewards through surveys, money games, cashback, and bonus offers, then withdraw your earnings to your bank account.\n\nWho ATM Instant Cash is for:\n- People who need an instant cash advance for unexpected expenses\n- People who want to earn real cash rewards, not points\n- People who want to earn extra cash through surveys and games\n- People who want cashback on everyday spending\n- People who want personal finance tools for spending, budgeting, bills, and subscriptions\n\nEarn Real Cash & Save Money. Earn cash from surveys, money games, cashback, data, and bonus offers. Get cashback from 500+ partners and withdraw earnings directly to your bank account - not points or gift cards - real cash rewards.\n\nPersonal Finance, Built In. Track spending by category or merchant for cashflow insights. Set budgets with overall or category limits. Monitor bills and spot unwanted or duplicate subscriptions.\n\nInstant Cash Advance. Get quick access to an instant advance for unexpected expenses - no credit check, no interest, no late fees.\n\nATM.com is a financial technology company, not a bank or a lender. We are not a payday loan, cash loan, personal loan, peer to peer lender, title loan, or app to borrow money.\n\nATM.com is a non-recourse cash advance, not a loan or credit product. Repayment occurs via autopay transactions with no additional interest, penalties, or fees for failures. We do not report to credit bureaus or create debts that contribute to long-term debt accumulation.\n\nAfter validating your information, you can access money when available. Membership is required to request cash advances; approval is not guaranteed. ATM Personal Finance Membership costs up to $5.99/month and provides access to ATM.com's suite of financial products and services, including the services needed to maintain your account and bank connections.\n\nTransaction Fees\nStandard delivery (ACH): $0\nOptional Express instant debit card delivery fees may apply if selected (You'll see exact transparent pricing before confirming.)\n\nInstant Cash Example\nInstant Cash Advances do not require a 60 day minimum repayment timeframe. Instant Cash Advances similarly do not have a maximum repayment timeframe.\n\nAdvances are not money loans of any kind and do not create a contracted obligation to repay a money loan. Advances have 0% max interest rate with no late fees, origination fees, or impact on credit score.\n\nAccess $50 via standard ACH -> Future Repayment $50\nAccess $50 via optional instant card delivery ($7.00 transaction fee) -> Future Repayment $57\n\nEligibility\nNot all users qualify; available amounts vary.\nService may not be available in all states. See app for details.\n\nPersonal Loans\nATM.com displays personal loans in our marketplace with repayment terms from 12 months to 84 months and APR ranges from 5.99% to 35.99%. Example, if you receive a $10,000 loan with a 60-month term and a 16.21% APR, your required monthly payment would be 244.30 (135.09 Principal + $109.21 Interest). If all 60 payments are made on time, the total paid would be $14,657.87. All loan offers on the ATM.com marketplace require your application and approval. Depending on the lender, other fees may apply, such as origination fees, or late fees. See lender's terms and conditions for additional details. You may not qualify for the lowest rates or the highest offer amounts or may not qualify at all.\n\nPrivacy Policy - https://www.atm.com/privacy-policy\nTerms of Service - https://www.atm.com/terms-of-service\nFacebook: https://www.facebook.com/atmdotcom/\nWebsite: https://www.atm.com/\n\nATM.com, Inc\n1600 Dove St\nNewport Beach, CA 92660","facts":{"developer_id":1500801269,"developer_url":"https://www.atm.com/#cash-advance","first_released":"2020-10-27T07:00:00Z","support_url":"https://atm.com/contact","privacy_url":"https://atm.com/privacy-policy","website_url":"https://www.atm.com/#cash-advance","app_version":"2.146.0","release_notes":"Bug fixes and optimizations.","rating_current_version":4.70702,"rating_count_current_version":31504,"star_counts":[1298,260,675,1814,26954],"genres":["Finance"],"languages":["EN"],"content_advisories":null,"device_families":["iphone"],"made_for_iphone_duo":null,"chart":{"name":"top-free Finance","position":62}},"freshness":{"apple_read_at":"2026-10-22T00:43:12.842Z","catalog_read_at":"2026-10-18T16:52:11.894Z","reviews_checked_at":"2026-10-22T00:43:12.842Z","summary_written_at":"2026-10-14T04:11:53.691Z","placed_at":"2026-10-14T00:23:46.607Z","scored_at":"2026-10-24T02:57:13.306Z"},"editorial":{"one_liner":"Free finance app offering ATM Instant Cash advances, budgeting and spend tracking tools, and rewards from games…","what_is":"ATM Cash Advance・Instant Money is a free Finance app from ATM.com that offers ATM Instant Cash advances, subject to review and approval. It also includes personal finance tools for tracking spending by category or merchant, setting budgets, and monitoring upcoming bills and subscriptions. The listing also describes ways to earn cash through games, paid surveys, and a rewards portal.","good_for":["Covering an unexpected expense before payday","Tracking monthly spending and setting category budgets","Earning small cash rewards from games and paid surveys"],"pricing":"ATM Cash Advance・Instant Money is free, with no in-app purchases on the App Store.","faq":[{"q":"Does it charge interest or late fees?","a":"The listing says ATM Instant Cash has no credit check, no interest, and no late fees. Eligibility is based on review and approval, and transfer fees may apply."},{"q":"How much cash can I get?","a":"The listing says cash advance limits start from $25. Not all applicants will be eligible for the maximum limit, and approvals typically take minutes, though times may vary."},{"q":"How do I earn money in the app?","a":"The listing describes earning from games ($3 to $250 a month), paid surveys ($0.03 to $5.00 each), and a rewards portal of over 500 offers, with cash withdrawable to a bank account."}],"model":"claude-haiku-5-5","created_at":"2026-10-14T04:11:53.691Z"},"memberships":[{"list":"cash-advances","list_name":"cash advances","list_status":"active","list_url":"https://apptierlist.com/best/cash-advances/","position":20,"tier":"B","score":82.1,"components":{"rating":94.1,"votes":85,"rank":49.2,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-14T00:23:46.607Z"},{"list":"rewards-earning","list_name":"rewards earning","list_status":"active","list_url":"https://apptierlist.com/best/rewards-earning/","position":65,"tier":null,"score":69.8,"components":{"rating":94.1,"votes":85,"rank":0,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"provisional","judged_at":"2026-10-14T00:23:46.607Z"}],"main_list":null,"claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"maker":null,"history":[{"id":184703,"at":"2026-10-20T07:00:11.911Z","kind":"tier_changed","list":"cash-advances","app_store_id":1507829573,"app":"atm-cash-advance-instant-money-1507829573","from":"C","to":"B","reason":"rank shift: #22, score 81.9, tier full (a quarter of the list)","job":"rescore"},{"id":132848,"at":"2026-10-16T18:33:43.572Z","kind":"tier_changed","list":"rewards-earning","app_store_id":1507829573,"app":"atm-cash-advance-instant-money-1507829573","from":"D","to":null,"reason":"rank shift: #41, below the tiered top 40","job":"rescore"},{"id":124691,"at":"2026-10-16T07:55:49.871Z","kind":"tier_changed","list":"rewards-earning","app_store_id":1507829573,"app":"atm-cash-advance-instant-money-1507829573","from":"C","to":"D","reason":"rank shift: #38, score unchanged at 69.7, tier full (a quarter of the list)","job":"rescore"},{"id":123335,"at":"2026-10-16T06:40:51.839Z","kind":"tier_changed","list":"cash-advances","app_store_id":1507829573,"app":"atm-cash-advance-instant-money-1507829573","from":"B","to":"C","reason":"rank shift: #16, score unchanged at 82, tier full (a quarter of the list)","job":"rescore"},{"id":118144,"at":"2026-10-16T03:25:51.899Z","kind":"tier_changed","list":"cash-advances","app_store_id":1507829573,"app":"atm-cash-advance-instant-money-1507829573","from":"A","to":"B","reason":"rank shift: #9, score unchanged at 81.7, tier full (a quarter of the list)","job":"rescore"},{"id":111271,"at":"2026-10-15T15:46:10.795Z","kind":"tier_changed","list":"rewards-earning","app_store_id":1507829573,"app":"atm-cash-advance-instant-money-1507829573","from":null,"to":"C","reason":"rank shift: #26, score unchanged at 69.7","job":"rescore"},{"id":107701,"at":"2026-10-15T15:15:01.036Z","kind":"tier_changed","list":"cash-advances","app_store_id":1507829573,"app":"atm-cash-advance-instant-money-1507829573","from":"C","to":"A","reason":"rank shift: #5, score unchanged at 81.7","job":"rescore"},{"id":72817,"at":"2026-10-14T00:33:47.703Z","kind":"tier_changed","list":"cash-advances","app_store_id":1507829573,"app":"atm-cash-advance-instant-money-1507829573","from":null,"to":"C","reason":"score 82","job":"rescore"},{"id":72704,"at":"2026-10-14T00:23:46.607Z","kind":"membership_added","list":"rewards-earning","app_store_id":1507829573,"app":"atm-cash-advance-instant-money-1507829573","from":null,"to":"active","reason":"Heavily marketed as a way to earn extra cash by playing games, taking surveys, sharing data and location, and completing offers, withdrawable as cash.","job":"shadow"},{"id":72703,"at":"2026-10-14T00:23:46.607Z","kind":"membership_added","list":"cash-advances","app_store_id":1507829573,"app":"atm-cash-advance-instant-money-1507829573","from":null,"to":"active","reason":"Title and description center on ATM Instant Cash™, a no-interest, no-credit-check cash advance to cover emergencies before payday.","job":"shadow"},{"id":64835,"at":"2026-10-12T18:41:05.911Z","kind":"app_added","list":null,"app_store_id":1507829573,"app":"atm-cash-advance-instant-money-1507829573","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"cash-advances","list_name":"cash advances","status":"active","review_status":"checked","position":20,"tier":"B","score":82.1,"components":{"rating":94.1,"votes":85,"rank":49.2,"recency":100},"ranks":[{"country":"us","rank":15}],"verdicts":[{"verdict":"keep","reason":"Title and description center on ATM Instant Cash™, a no-interest, no-credit-check cash advance to cover emergencies before payday.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-14T00:23:46.607Z","attempts":1,"current":false},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-14T00:23:46.607Z","attempts":1,"current":false}]},{"list":"rewards-earning","list_name":"rewards earning","status":"active","review_status":"checked","position":65,"tier":null,"score":69.8,"components":{"rating":94.1,"votes":85,"rank":0,"recency":100},"ranks":[],"verdicts":[{"verdict":"keep","reason":"Heavily marketed as a way to earn extra cash by playing games, taking surveys, sharing data and location, and completing offers, withdrawable as cash.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-14T00:23:46.607Z","attempts":1,"current":false},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-14T00:23:46.607Z","attempts":1,"current":false}]}]},"data_version":42414,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/atm-cash-advance-instant-money-1507829573/"}}