Needing cash fast doesn’t always mean turning to expensive payday loans with triple-digit interest rates. In 2026, a range of cash advance and earned-wage-access apps let you borrow small amounts like $100 at very low cost — sometimes as little as ~$6 or less —
especially when you choose slower transfers or optional tips instead of high instant-transfer fees. This comprehensive guide walks through 10 of the most affordable cash advance apps you can use this year, how they work, and what costs to expect.
10 Cheapest Cash Advance Apps in 2026
Earnin
Best for: Extremely low cost access to earned wages
💰 Cost for $100: ~$0–$6 (optional tip)
No required fees — you only pay what you choose as a tip. Fast delivery may charge a small fee.
Klover
Best for: No-interest instant cash
💰 Cost for $100: $0 standard
Offers small advances without interest. Earn points for optional activities to unlock more perks.
Chime — SpotMe
Best for: Fee-free overdraft buffer
💰 Cost for $100: $0
Not a traditional loan, but lets eligible users overdraft by small amounts without fees.
MoneyLion — Instacash
Best for: Quick advances + optional financial tools
💰 Cost for $100: ~$0–$8
Offers advances with optional tipping and potential extra tools like credit building.
Cleo
Best for: AI budgeting + advance
💰 Cost for $100: ~$5–$10
AI-powered assistant with small advance capability. Lower cost if you avoid premium add-ons.
Dave (ExtraCash)
Best for: Budget support + small advance
💰 Cost for $100: ~$3–$10
Focuses on preventing overdraft fees while providing emergency cash.
Brigit
Best for: Predictions + advance
💰 Cost for $100: ~$5–$12
Financial alerts and small advances help avoid overdraft fees.
PayActiv
Best for: Employer-linked early pay
💰 Cost for $100: ~$5–$10
Access part of your earned wages early with relatively modest fees.
TrueConnect
Best for: Workers with variable income
💰 Cost for $100: ~$5–$12
Earned wage access with lower costs than many payday loans — especially helpful if your employer partners with the service.
SoLo Funds
Best for: Peer-to-peer borrowing
💰 Cost for $100: ~$5–$15
Community lending model — you request funds from other users and repay on agreed terms.