5 best cash advance apps and payday loan apps that loan you money in 2022

Given the high inflation environment we currently live in, unexpected expenses can sometimes derail your financial plans, forcing you to wait until your next paycheck. However, it doesn’t have to be this way, as cash advance apps can help provide short-term funding in a hassle-free manner.

This article discusses five of the best instant cash advance apps until payday, touching on their fees, features, and eligibility criteria.

Best cash advance apps – quick pick for 2022:

Listed below are five of the best payday loan apps on the market right now; they don’t lend money directly but connect you to an array of lenders in the United States – all of which will be reviewed later in this article:

  1. Viva Payday LoansOverall best cash advance app
  2. Heart Paydays Leading cash app loan with a quick application
  3. Credit Clock User-friendly payday loan apps with flexible repayments
  4. Money Lender Squad – Best instant cash advance app for speedy payments
  5. Very Merry Loans – Popular with unemployment cash advance apps

General eligibility criteria for availing instant cash advance apps

Detailed below are some of the main criteria to keep in mind whilst utilising apps that loan you money until payday:

  • Must be over 18 years old
  • Must reside within the U.S.
  • Can provide proof of identification
  • Can provide proof of regular income
  • Must have a bank account
  • Can provide proof of address

Five best cash advance apps in 2022 – full reviews:

1. Viva Payday Loans – Overall best cash advance app

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One of the top picks for the best payday loan apps is Viva Payday Loans. As the name suggests, this provider can help facilitate short-term loans that tide you over until payday. This is achieved through Viva Payday Loans’ payday loan app portal, which offers funds of up to $5,000.

APRs range from 5.99% to 35.99%, with repayment periods of up to 24 months.The great thing about Viva Payday Loans is that the application process is all online, meaning there is no paperwork to contend with. Finally, applicants can usually receive a lending decision in just two minutes – with same-day funding available in some situations.


  • Dedicated customer support
  • APRs are as low as 5.99%
  • Same day funding offered


  • Not available in some states

Click here to request funds at Viva Payday Loans >

2. Heart Paydays – Leading cash app loan with quick application

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Another option when it comes to fast payday loan apps is Heart Paydays. Much like Viva Payday Loans, Heart Paydays is an online platform that helps connect you to cash advance apps with no credit check (see terms) of up to $5,000. Depending on your circumstances, all FICO scores are welcome to apply for funding, with APRs as low as 5.99%.

Heart Paydays also offers repayment periods of up to 24 months, meaning you can pay off your loan bit by bit. This provider also works with bad credit people, although the final decision ultimately rests with the end lender. Finally, Heart Paydays’ application process is incredibly streamlined and usually only takes two minutes to complete.


  • All FICO scores welcome
  • Repayment periods up to 24 months
  • Works with people who have bad credit


  • Not available in all states

3. Credit Clock – User-friendly payday loan apps with flexible repayments

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Similar to cash advance apps like Dave, Credit Clock is one of the best apps that loan you money until payday (see terms), offering speedy loans of up to $1,000. There are no hefty fees to contend with when applying, whilst lending decisions are often made in minutes. In terms of interest, APRs can span from 5.99% to 35.99%, with repayment periods of between 3-6 months.

Like the other providers mentioned in this article, Credit Clock’s application is all online, meaning no need to make telephone calls or send away paper forms. Due to this, Credit Clock can often facilitate same-day funding. The lending decision will rest with Credit Clock’s partner lenders.


  • Cash advance apps like Dave
  • Digital application process
  • Same day cash advance app


  • Additional affordability criteria will apply

4. Money Lender Squad – Best instant cash advance app for speedy payments

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Thanks to its user-friendly online cash app portal and flexible financing options, Money Lender Squad is one of the most popular instant cash advance apps that loan you money (by connecting you with a lender). Users can request loans that range from $100 to $5,000, making a lending decision in minutes.

There are no hidden fees to requesting a loan, and it’s easy to find a repayment plan that suits your unique financial situation. Finally, Money Lender Squad does not discriminate when it comes to bad credit or unemployment benefits, meaning they can work with anyone to find a potential funding solution.


  • No hidden fees
  • Cash advance apps that work with Chime
  • Online application


  • The decision rests with the end lender

5. Very Merry Loans – Popular with unemployment cash advance apps

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Rounding off the list of the best cash advance apps with Very Merry Loans. This provider is one of the most popular apps on the list, featuring a handy loan structure calculator that details the provider’s APRs and repayment timescales. Very Merry Loans works with cash advance apps no credit check (see terms), with decisions made in minutes.

Assuming your request is accepted, Very Merry Loans can put you in touch with a lender to provide the loan to you within the same day. The specific APR offered will vary depending on the lender, although it can be as low as 5.99%. Given these characteristics, Very Merry Loans is undoubtedly one of the best payday loan apps on the market.


  • No registration fee
  • Handy loan calculator
  • Same day lending offered


Cash advance apps features & factors to consider

Finally, here are three of the best features regarding cash advance apps that will loan you money that make them so appealing:

Online Application Process

Quick cash advance apps offer a fully-digitized application process, which can be completed through your browser. This means that the process is incredibly straightforward and can often result in same day funding.

Speedy Payouts

All of the platforms mentioned in this article provide speedy payouts – even for those with bad credit. Although receiving a loan isn’t always guaranteed, each provider will work with partner lenders to find a solution that works for all parties.

Dedicated Customer Support

Finally, many of the payday loan apps mentioned in this article have a dedicated customer support team. This ensures that you can always receive the help you require, whether that be related to the application process, the loan’s structure, or any other related area.


This article has discussed five of the best cash loan apps on the market, giving an overview of their fees, features, and user-friendliness. One of the most recommended cash loan apps is Viva Payday Loans, thanks to its speedy application process and dedicated customer support team.


What are cash advance apps that loan you money?

Cash advance apps are platforms that can facilitate short-term loans that can help you out until your next payday.

How do cash advance apps work?

Our list of payday cash advance apps work by taking you through a short application process and then pairing you with a lender who may require some further affordability checks.

Are apps that loan you money until payday easy to use?

Yes, these apps can be used via your web browser, with the application process only taking a few minutes to complete.

Disclaimer – The above content is non-editorial, and Economic Times hereby disclaims any and all warranties, expressed or implied, relating to it, and does not guarantee, vouch for or necessarily endorse any of the content. The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan. This article does not provide financial advice. Please seek help from a financial advisor if you need financial assistance. Loans available to U.S residents only.

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