Varo vs Dave
Head-to-head comparison of two popular cash advance products.
Read more →Not eligible for Varo Advance — or want a higher limit with lower fees? We ranked the top cash advance apps by speed, cost, and ease of qualifying.
How we ranked these: We evaluated each app on advance limits, fees, funding speed, eligibility requirements, and user reviews. Apps that work for gig workers and those without traditional direct deposit are scored higher.
Access up to $150/day of your earned wages before payday — no mandatory fees, no interest, no subscription. Optional tips only. Works with most employer types including W-2 and some contractors.
Dave's ExtraCash™ advances up to $500 with optional tips. Only $1/month subscription. Better fee structure than Varo for advances under $100. Works with many income types.
MoneyLion Instacash offers up to $500 in cash advances with 0% APR. Their RoarMoney account unlocks higher limits. Also has a Personal Line of Credit up to $1,000 for members.
Albert Instant works for a wide range of income types including freelancers and gig workers. No subscription required for up to $250. Premium Genius membership unlocks $1,000.
Brigit combines cash advances with spending insights and automatic overdraft protection. Its $9.99/month plan includes budgeting tools, credit monitoring, and identity protection.
If you're already a Chime member with direct deposit, MyPay gives you up to $500 in earned wages instantly with no mandatory fee. Very similar to Varo Advance but with lower or no fees.
Current offers up to $750 in cash advances for eligible users — higher than Varo's $500 max. Build Card credit tool also helps establish credit history without a hard pull.
Cleo's AI-powered budgeting + cash advance combo is popular with millennials. Cleo Plus ($5.99/month) unlocks cash advances up to $250 and lets you request a new advance 24 hours after repaying.
Empower offers cash advances up to $300 with no tips and no interest. Their subscription also includes a debit card, cashback, and spending insights. No credit check required.
Klover advances up to $200 with no monthly subscription — you earn points through surveys and data sharing to increase your advance limit. Best for users who want zero recurring fees.