7 Apps That Loan You Money Instantly Same Day

Most cash advance apps promise instant money but hide the real costs until after you're already signed up. We tested 7 apps that loan you money instantly same day — and the fees ranged from just $3 to over $16 for a single $100 advance. This video covers the full picture: what new users actually receive on day one (not the advertised maximum), the true cost to borrow $100 instantly, and which apps are accessible if you have bad credit or no credit history at all. Seven apps make this list, and they are not all created equal. One was hit with an FTC settlement in January 2024 for misleading users about how much they'd actually receive. Another quietly launched a feature that lets you earn 10% APY on savings — something almost unheard of in this category. And the app with the lowest express fee in the industry caps it at just $5, making same-day access genuinely affordable if you're willing to switch banks. The 7 Apps for Same Day Cash 🔵 FloatMe — Up to $50 max, though most new users start at $10–$20. The company settled with the FTC in January 2024 over deceptive practices. Subscription is $4.99/month plus $3–$7 for instant delivery — roughly $12 to borrow $50 same day. 🔵 True Finance — Up to $150 with an average closer to $41. At $6.99/month plus up to $6.99 in delivery fees, you're paying nearly $14 for $100 once a month. Customer service is largely automated. 🔵 Earnin — Up to $150 per day and $750–$1,000 per pay period with zero monthly fee. The $5.99 lightning fee applies to advances over $75. One of the more transparent apps here, but fees stack fast if you pull multiple advances. 🔵 Upgrade Boost Cash — Up to $500 over time with no instant transfer fees on the free plan. The $9.99/month Premium tier adds unlimited instant transfers, credit building, and 10% APY on savings up to $100 — the best value for frequent borrowers. 🔵 Cash App Borrow — Invite-only access to up to $1,000, though first-time users average around $153. A flat 5% fee means $5 to borrow $100. The catch: a 1.25% weekly late fee that compounds fast, and Cash App will pull repayment directly from your balance. 🔵 Tilt (formerly Empower) — Up to $400 with most users starting around $102. Rebranded in August 2025 after legal disputes over the name. At $8/month plus instant fees, expect around $16 to borrow $100. They've added a credit-building line and eliminated tip prompts. 🔵 Chime MyPay — Up to $500 with the lowest express fee of any app in this video: 3%, capped at $5. Borrow $100 same day for $3, or wait 24 hours and pay nothing. Requires an existing Chime account with some billing history already established. Pro Tip* If you're choosing purely on cost, Chime and Earnin are the cheapest options for same-day delivery. If you need the highest limit, Cash App, Chime, and Upgrade are your best bets. And if you borrow frequently throughout the month, Upgrade Boost Cash's Premium plan pays for itself quickly. Important Note: Most of these apps advertise a maximum that new users rarely see. Expect your first advance to be significantly lower than the listed cap, so plan accordingly. 7 Apps That Will Give You Instant Cash 0:18 FloatMe (FTC Warning) 0:55 True Finances ($150 Max) 1:19 Earnin ($750 Per Pay Period) 2:01 Upgrade Boost Cash ($500) 2:35 Cash App Borrow ($1,000) 3:05 Tilt (Formerly Empower) 3:37 Chime MyPay (Lowest Fees) #cashadvanceapps #samedaymoney #appsthatloanyoumoney