You can borrow up to $250 with Varo when you first join and work your way up to a $500 advance over time. There’s a t🍨ransparent fee schedule, starting at $1.60 and going up to $40 for a $500 advance. There are no other fees. Funds arrive in your account instantly.

To qualify for an advance, you need a Varo bank account (that’s where your funds will go), and you must have made at least $800 in direct deposits over the current month or the one before. You can choose two repayment periods (15 or 30 days). You can also make an extra payment before your due date. Funds are withdrawn automatically. There’s no risk of 澳洲幸运5开奖号码历史查询:overdrafts or ov✃erdraft fees. Varo will withdraw what it can from your account and try again later. The downside is you may not be able to borrow from Varo again.

Varo’s website is transparent and well-organized. It’s easy to find information about cash advances, repayment, fees🏅, etc. You can reach customer service via phone and chat. Your Varo account allows you to access other banking and financial tools from Varo, including savings accounts, a credit card and a line of credit, even a free tax filing s🔯ervice.

Varo was established in 2015 and is headquartered in San Francisco, California.

Payactiv is only available through employers, which is too bad beꦐcause it has a lot to offer. You can borrow up to $1,500 through the service (your employer may set a lower cap), if you have direct deposit set up, and up to $750 without direct deposit. There are no tips or subscription fees; the only fee is for express transfer.

Payactiv offers several free ways to receive money, such as ACH transfer to your bank account (1-3 days) or instant transfers to a Payactiv credit card (again, with direct deposit set up). For a $3.49 fee, you can access your cash via a Visa+ digital wallet, Walmart Cash Pickup, or real-time transfer to a non-Payactiv debit or payroll card. Repayment comes out of your next paycheck following the advance.

Help is available within the app, or you can reach customer service by phone or email. Our researchers gave high marks for Payactiv’s online experience and educational resources. The app has a﷽dditional tools and features to encourage saving. 

Payactiv, a 澳洲幸运5开奖号码历史查询:Certified B-Corp, was established in 2012 and is headquartered in San Jose, California.

With Dave you can get an advance of $25 to $500 deposited directly to your Dave checking account in 5 minutes. You can also send it to another bank acco🔜unt you control via ACH in up to three business days for a 1.5% fee. Dave doesn’t charge an express funding fee for instant transfers to your Dave checking account (many competitors do), nor does it charge a regular transfer fee, Instead, there’s a $5 subscription fee and a suggested tip of 15% (which is optional).

As with all of the cash advance apps we reviewed, repayment is automatic and🐼 occurs on a date you agree to when you set up the advance. Dave won’t overdraw your repayment account. On your settlement date, Dave will withdraw what it can and will continue to make withdrawals until your advance is repaid.♔ 

You have to hunt for it on the website, but Dave does have a customer service phone and an email address. There’s also a knowledge base with helpful articles and FAQs that answer many common questions in detail. The app even offers 澳洲幸运5开奖号码历史查询:side hustles, so you can earn extra cash that’s all yours.

Dave was founded in 2016 and is headquartered in Los Angeles, California.

With EarnIn yo🗹u can get an advance on your paycheck of up to $150 per day, for a maximum of $750 per pay period. There’s no fee for standard transfers, just a suggested tip. For instant transfers (“Lightning Speed”), there’s a fee of up to $5.99. 

Repayment is automatic out of an account you designate and occurs on payday. If an overdraft occurs (Earnin says this is rare), the company will work with you to straighten it out and recover any overdraft fees.

Earnin has earned generally good ratings from online reviewers. In addition to cash advances, EarnIn offers an overdraft protection service and free 澳洲幸运5开奖号码历史查询:credit monitoring. The website ho🔥sts a collection of financial calculators to help you make better decisions with your money.

EarnIn was established in 2012 and is headquartered in Palo Alto, California.