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Best Cash Advance Apps for iPhone (2026)
Cleo AI: Cash Advance & Budget is the top-ranked of 40 cash advance apps on iPhone, at S tier with 4.7/5 from 265,933 ratings.
- 1
Free download · ★ 4.7 · 265,933 ratings · score 87 - 2
Free · ★ 4.9 · 58,870 ratings · score 87 - 3
Free · ★ 4.8 · 923,285 ratings · score 86 - 4
Free · ★ 4.8 · 577,706 ratings · score 86 - 5
Free · ★ 4.8 · 468,296 ratings · score 86
What belongs in this list
Get a small amount of money advanced before payday and repay it from the next paycheck.
Not here: Cashback offers alone; Sending money to other people alone; Budget tracking alone; Credit score monitoring alone; A general loan information article alone
How we pick
For this list we ask the App Store the same searches a person would, in several countries, and keep every app it returns. A model reads each app's listing and rejects the ones that only mention the use case. Every app that stays is scored out of 100 from four parts, each 0 to 100 and averaged with no weights: its App Store rating, how many people rated it, where the App Store itself ranks it for this list's searches, and how recently its current version shipped. An app showing Apple's Editors' Choice badge gets a fifth part of 100, which can only lift its score. Tiers follow fixed score bands: S from 90, A from 80, B from 70, C from 60, D from 50, F below. The list's leader is S if it scores 80 or more. On a list of 20 or more ranked apps, a tier from S to D takes in new apps only up to a quarter of the top 40: an app pushed out of a full tier falls to the next tier with room, and F takes the rest. An app already in a tier keeps its place while the tier is at most 2 apps over a quarter; past that, only the apps over that margin go down, lowest score first. Equal scores share a tier, and no app has a better tier than an app ranked above it. An app keeps its tier until its score passes the band edge by more than 1 point, or a full tier or the order above moves it. Only the top 40 of a list get a tier. Read the full method →
Compare every app
- 1Free download · ★ 4.7 · 265,933 ratings · score 87 · best in class
- 2Free · ★ 4.9 · 58,870 ratings · score 87 · excellent
- 3Free · ★ 4.8 · 923,285 ratings · score 86 · excellent
- 4Free · ★ 4.8 · 577,706 ratings · score 86 · excellent
- 5Free · ★ 4.8 · 468,296 ratings · score 86 · excellent
- 6
Free download · ★ 4.9 · 43,593 ratings · score 86 · excellent - 7
Free · ★ 4.8 · 394,659 ratings · score 86 · excellent - 8
Free download · ★ 4.9 · 288,758 ratings · score 86 · excellent - 9
Free · ★ 4.8 · 463,338 ratings · score 86 · excellent - 10
Free · ★ 4.8 · 506,310 ratings · score 85 · excellent - 11
Free · ★ 4.8 · 159,278 ratings · score 85 · good - 12
Free · ★ 4.8 · 131,596 ratings · score 85 · good - 13
Free · ★ 4.8 · 330,115 ratings · score 85 · good - 14
Free · ★ 4.8 · 138,214 ratings · score 84 · good - 15
Free download · ★ 4.8 · 281,946 ratings · score 84 · good - 16
Free · ★ 4.8 · 74,899 ratings · score 84 · good - 17
Free · ★ 4.8 · 56,502 ratings · score 83 · good - 18
Free · ★ 4.6 · 41,834 ratings · score 83 · good - 19
Free · ★ 4.8 · 45,891 ratings · score 83 · good - 20
Free download · ★ 4.5 · 197,214 ratings · score 82 · situational - 21
Free download · ★ 4.7 · 29,424 ratings · score 82 · situational - 22
Free · ★ 4.9 · 34,402 ratings · score 82 · situational - 23
Free · ★ 4.7 · 31,001 ratings · score 82 · situational - 24
Free · ★ 4.8 · 15,319 ratings · score 82 · situational - 25
Free · ★ 4.7 · 27,560 ratings · score 82 · situational - 26
Free download · ★ 4.6 · 30,043 ratings · score 82 · situational - 27
Free download · ★ 4.6 · 21,441 ratings · score 82 · situational - 28
Free · ★ 4.5 · 24,522 ratings · score 81 · situational - 29
Free + IAP · ★ 4.5 · 94,801 ratings · score 80 · weak - 30
Free download · ★ 4.9 · 7,948 ratings · score 80 · weak - 31
Free download · ★ 4.6 · 8,125 ratings · score 80 · weak - 32
Free · ★ 4.4 · 32,311 ratings · score 79 · weak - 33
Free · ★ 4.2 · 33,468 ratings · score 78 · weak - 34
Free download · ★ 4.5 · 10,071 ratings · score 78 · weak - 35
Free · ★ 4.6 · 9,522 ratings · score 78 · weak - 36
Free · ★ 4.9 · 159,968 ratings · score 73 · weak · provisional - 37
Free · ★ 4.7 · 83,952 ratings · score 71 · weak · provisional - 38
Free · ★ 4.8 · 68,083 ratings · score 71 · weak · provisional - 39
Free download · ★ 4.9 · 13,876 ratings · score 70 · weak · provisional - 40
Free download · ★ 4.9 · 8,511 ratings · score 69 · weak · provisional
Beyond the top 40
New in the last 30 days
- rapid! Pay (C)
- VANSi - Cash Advance (C)
- Ualett (C)
- ATM Cash Advance・Instant Money (C)
- OneBlinc Cash Advance (C)
- Money App - Cash Advance (C)
- Grid Money (C)
- Cashably: Cash Advance, Credit (C)
- B9: Cash Advance (C)
- ImmediatePay (D)
- Get Paid Early: Cash Advance (D)
- Gerald - Cash Advance (D)
- Beem: Cash Advance & Banking (D)
- Instant Financial (D)
- Instant Cash Advance - Zora (D)
- Netspend Earned Wage Access (D)
- myFlexPay (powered by Stream) (D)
Questions people ask
- What is the best cash advance app for iPhone?
- Cleo AI: Cash Advance & Budget, S tier, ranked #1 of 40, rated 4.7 by 265,933 people.
- Which cash advance apps are free?
- 40 of 40 are free to download: Cleo AI: Cash Advance & Budget (S), Dayforce Wallet: On-demand Pay (A), Dave: Credit, Cash & Money App (A), Brigit: Cash Advance & Credit (A) and more. 1 of them sells in-app purchases. 26 report no in-app purchases.
- Which cash advance app has the best App Store rating?
- Ualett at 4.9 from 34,402 ratings.
- How many cash advance apps reach S or A tier?
- 10 of 40. Tiers follow fixed score bands: S from 90, A from 80, B from 70, C from 60, D from 50, F below. The list's leader is S if it scores 80 or more. On a list of 20 or more ranked apps, a tier from S to D takes in new apps only up to a quarter of the top 40: an app pushed out of a full tier falls to the next tier with room, and F takes the rest. An app already in a tier keeps its place while the tier is at most 2 apps over a quarter; past that, only the apps over that margin go down, lowest score first. Equal scores share a tier, and no app has a better tier than an app ranked above it. An app keeps its tier until its score passes the band edge by more than 1 point, or a full tier or the order above moves it. Only the top 40 of a list get a tier.