Loans app in united states

13 Best Instant Loan Apps to Borrow Money in United states

Last Updated on October 12, 2023 by admin

Do you often need a loan before your payday check arrives and you are looking for loan apps that let you borrow money in the United States without stress? Payday lenders offer cash-advance loans, check-advance loans, post-dated check loans or deferred-deposit loans

Most apps in the US give you cash advance when you need to pay a bill or cover an unplanned expense before your next paycheck. Payday loans are a quick-fix solution for consumers in a financial crisis, but also are budget busting expenses for families and individuals.

In the United States, payday loan operators typically operate from storefronts in low-income neighborhoods. Their customers generally have poor credit and have no other access to money to cover urgent bills. Payday lenders rely on repeat customers, often low-income minorities, charging exorbitant compounding interest for cash advances.

Payday lenders in the United states are subject to the federal Truth in Lending Act. It requires that lenders disclose the cost of the loan. Payday lenders must disclose the finance charge and the annual interest percentage rate (APR) in writing before you sign for the loan.

Read: 10 best payday loan Apps That Let You Borrow Money In UK

Payday Loans Are Very Expensive – High interest credit cards might charge borrowers an APR of 28 to 36%, but the average payday loan’s APR is commonly 398%.

This article will dive more on loan apps that Let You Borrow Money in the United States.

1. Viva Payday Loans

If you’re short of cash, the last thing that you want to be doing is waiting around for a decision.Viva Payday Loans is one of the highest-rated payday loan apps available. is not a lender. They are a brokerage and loan matching service that has a knack for pairing consumers with independent third-party lenders.

Viva Payday Loans allows customers throughout all states in the United States to have quick and easy access to the market of direct lenders. Simply fill in your information, and they’ll do the rest of the work for you. Requests take 2 minutes, and a decision is provided instantly.

At Viva Payday Loans, the lenders we work with provide loan deals designed for everyday Americans

Loans at Viva Payday Loans are:

Between $100 and $5,000
Paid back over 2 to 24 months
Come with interest rates of 5.99% to 35.99%

Here’s what you need to qualify to Borrow Money at Viva Payday Loans?

1. Valid ID
2. 18 years of age or older
3. Active bank account
4. Proof of your regular income (you must earn at least $1,000 per month)
5. Proof of residential address

Also read: Best online loan apps in Nigeria to get quick and instant loan


2. Brigit

With Brigit you can get an advance within seconds. No credit check. No interest. Pay it back without hidden fees. you can access up to $250 cash whenever needed.

Brigit also assists you in building a sustainable and brighter financial future by helping you spend wisely, avoid any unfair fees, and start saving more to reduce any financial stress you might be facing.


3. Earnin

With Earnin, the wait is over. No hidden fees, no penalties, no waiting—just access to your hard-earned cash right when you need it. you can get up to $500 of your paycheck per pay period

To qualify for Earnin, you must have a consistent pay job and More than 50% of your paycheck must be sent to a single checking account by direct deposit each pay period ….Users can cash out up to $100 per paycheck, or up to $500 for active users

In order to get started, the only thing you need to do is connect your bank account with Earnin for direct deposits. Some of the partnered banks of Earnin include Bank of America, Wells Fargo, TD Bank, Navy Federal Credit Union, PNC Bank, and more.

Read: Banks and online lenders that offer Salary loan in Philippines



Dave is an app that provides an advance of up to $250 on your next paycheck. The app requests donated tips in place of interest.You won’t pay interest when you use the Dave app to get a paycheck advance.

They charge a monthly membership fee of $1 to use the app which is deducted from your linked bank account each month.

To use the Dave app, you must have a steady paycheck that you direct deposit into a bank account, such as your checking account. Plus, you must be able to show that your bills don’t eat up your entire paycheck and you have some extra money left over each month.


The pay advance app offers low-cost advances on paychecks with no bank account required. PayActiv lets you withdraw up to $500 of your earnings from your employer before your payday. However, your employer must sign up for the service as well to make yourself eligible for advance cashouts



The Branch app allows you to request an advance on your paycheck through a feature called Pay, It doesn’t charge interest on cash advances, and its fees vary based on how you choose to receive the money.

To use Branch Pay to get a cash advance, you must have at least two months of direct deposits from the same employer. Each deposit must be more than $40 and deposited into the same bank account with a participating bank.

The Branch app is available only to people who work in traditional workplaces. Remote employees aren’t eligible to use Pay. And if you do work in a traditional workplace, you’ll also need to meet a number of other requirements to be eligible.

You masy also read: List of Best online Loan Apps registered in Philippines by securities and exchange commission.

7.Money Lion

MoneyLion’s Instacash lets consumers borrow a portion of their expected income and repay it within about two weeks. It doesn’t check your credit to determine your eligibility for its credit-builder loans. Instead, you will link your primary checking account, and the company will review your account activity to decide whether you qualify.

Fees are low on MoneyLion advances, but like other apps that provide cash advances, Instacash asks users to provide an optional tip for the service. Those who don’t already have a MoneyLion bank account may wait up to five days to get their advance unless they pay a fee.

The maximum advance is $250. MoneyLion gives users a borrowing limit when they connect a bank account



Chime offer Payday Advance Apps which help to get paid early when you’re in a cash crunch.The Fee-free overdraft up to $200, it doesn’t have hidden fees…Chime lets you cash out early advances up to $100 before your payday

9. Empower

Empower lets you get Cash Advance up to $250* and repay automatically when you next get paid. No interest, no late fees, no risk to your credit.You can get up to 10% cashback on debit purchases at places like restaurants, grocery stores, gas stations, and more if you sign up for an Empower Card.

10.Cash App:

Cash App, operated by Square, offers a feature called “Cash App Loans” that provides users with short-term loans. The amount you can borrow depends on your transaction history with the app.

11. Varo:

Varo is another neobank that provides early direct deposit and features to help users save and budget. It also offers no-fee cash advances.

12.Kabbage (Now part of American Express):

Kabbage is a business financing platform that offers lines of credit for small businesses, which can be used for various financial needs.

13.LendUp (Now known as Mission Lane):

LendUp, now known as Mission Lane, offers short-term loans with the goal of helping users build their credit. It has different tiers of loans based on credit history.

Meet Ogbeide Frank, popularly known as perere, a blogger who loves writing about finance and Tech. He studied Business administration at the Ambrose Alli University Ekpoma and Mobile Communication at Orange College Malaysia .Frank have worked as a banker and consultant in variety of Nigeria agencies

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