6 Cash Advance Apps That Will Loan You Money Without a Job

Use these apps to get a little financial boost between gigs

Co-authored by Dave and Hannah Dillon

Last Updated: October 25, 2024 Fact Checked

This article was created in collaboration with an advertising partner. Learn more here .

If you do gig or freelance work or are unemployed, you may wonder if any apps will loan you money despite not having regular direct deposits. While many cash advance apps have employment and direct deposit eligibility requirements, some may still offer you a loan even if you work inconsistent hours, don't have a job, or get deposits from a pension or government program.

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Dave offers advances up to $500. Unlike other cash advance apps, Dave doesn't require you to have a full-time job—though they do look for account activity and regular deposits. After you sign up for Dave and connect your bank account, you can open an ExtraCash™ account. Dave will determine how much you can advance, up to $500. You can put the money in your Dave Spending account, or transfer your cash to your bank account or debit card. Express fees may apply. You'll be given a repayment date, but Dave doesn't charge late fees if you can't pay on that date.
- Advance eligibility is determined by many factors, including deposits into your account. If you don't have a job or get regular deposits (such as paychecks or government assistance deposits), you may not be eligible for the full advance limit.
 - Dave requires at least $1,000 deposited into your account per month to get a higher cash advance amount (i.e., closer to the maximum of $500) but doesn't have specifics for lower advance amounts. ^{[1]
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- Funds are available instantly for Dave Spending accounts for a 3% fee (minimum $3). Funds can be transferred to an external bank account in 1 to 3 business days for no fee, or an external debit card in less than an hour for a 5% fee (minimum $5) fee.
- Dave also offers a Spending account, a Goals account for saving, and a "Side Hustle" feature that can help you find extra ways to earn money, such as taking surveys.
- Designed by Dave, not a bank. Evolve Bank & Trust, Member FDIC, provides banking services. Advances are subject to eligibility requirements, and are provided as an overdraft, which causes the ExtraCash account to have a negative balance. The average approved advance is $160, updated quarterly based on the prior 6 months. See the Dave ExtraCash™ Deposit Agreement and Disclosures for details.
- Dave is available on the App Store and Google Play Store .