If you are looking for cash advance apps that work with Cash App, you are on the right post to get the complete details. Do the popular apps like Brigit, Cleo, Earnin, Klover, Dave, etc. work with Cash App? Read this post to find out the complete details of all cash advance apps that work with Cash App.
Cash Advance apps allow you to borrow funds outside of your payday cycle. They are a much cheaper alternative as compared to the Overdraft facility offered by traditional banks which comes with heavy fees.
Some of the popular cash advance apps include Dave, Brigit, Cleo, Albert, Earnin, MoneyLion, Klover, etc. However, not all cash advance apps are supported by Cash App.
Cash Advance Apps offer advances usually without any interest or finance charges, but rely on subscription fees and tips, as a way of earning revenue. These advances are made against your next paycheck, as effectively, you are borrowing in advance of your payday.
First things first, let’s answer the question – Do the cash advance apps allow you to link your Cash App i.e. if you receive a direct deposit in your Cash App account and want to use it to access the advance.
The answer is unfortunately no. Cash advance apps need visibility of your payday and paycheck amount. Now if you have set up your direct deposit with Cash App and looking to add your Cash App account to these cash advance apps, it will mostly NOT work. As these payday advance apps mainly support traditional banks, which they can verify with Plaid and check your record of steady income, which does not work with Cash App.
But if you want to move funds from Cash Advance Apps to your Cash App account and vice versa, there are some ways to achieve this.
How to Link Cash Advance Apps to Cash App
If you are looking to use Cash App with these cash advance apps, it would be better to first set up a traditional bank account for your direct deposit. Then use this bank account or debit card as a bridge between the Cash App and cash advance apps to move the funds between them, by individually linking this traditional bank account in both the apps.
That way, you can move funds to and fro using the bank account as a bridge.
You can also use online-only banks like Chime etc. which work with some cash advance apps and you can also link Chime with Cash App. Chime bank also offers its own cash advance feature called Chime Spot Me.
Another way to explore is that if you want to access funds from these payday advance apps on your Cash App, you can do this by linking the debit card or bank account that you have set up with these cash advance apps like Dave, MoneyLion, in Cash App. That way, you can transfer the money borrowed to your Cash App account or cash out your Cash App balance to such advance accounts. However, this is setting up direct fintech to fintech connection, which may not be ideal but does the job.
Let’s look at how to go about this for some popular cash advance apps.
Does Dave work with Cash App?
If you are using Dave and have a Dave Spending account, you can add your Dave debit card as a payment method in Cash App. You can transfer money from Cash App to your Dave account as well as pull funds from Dave for making payments using Cash App, this way.
Do note that Dave does not support instant deposits from Cash App to Dave Spending card (which normally works for other debit cards). As per Dave, a standard deposit transfer can take up to 5 business days.
Dave offers cash advances against your paycheck for which you need to pay a monthly subscription fee of 1$. and link your an eligible external bank account or Dave’s own checking account which has eligible direct deposits.
You can get a cash advance of up to $250. You need to link an eligible bank account in Dave
If you open a checking account with Dave, you get the Dave debit card for such a checking account. You can then add this card to Cash App.
How to add Dave Debit Card to Cash App
- Open the Cash App and log-in
- Next tap on the Bank icon on bottom of cash app home page
- Next tap on Link bank
- Enter your Dave card number
- Follow the on- screen instructions and complete the Verification process
- Your Dave account will be linked to Cash App
- Now, go back to Cash App’s homepage
- Tap on the bank or dollar icon
- Choose Add Cash
- Enter the amount you wanna add
- Tap on the Add $ button
- Verify your identity
- Money will be transferred from Dave to Cash App
Does MoneyLion work with Cash App
You can add your MoneyLion debit card to Cash App, to transfer funds from your Cash App to Money Lion account.
You can get the Money Lion debit card if you sign up for RoarMoney.
You can then use the ‘instant transfer’ option if you add your Roar Money Card details to the Cash app. Cash App supports instant transfer to such linked debit cards. However, do note that there are sometimes issues of delay experienced when trying to transfer funds to fintech debit cards
Alternatively, you can also add your Cash App account to Roar Money using the manual process by entering your Cash App routing and account number. This is a standard ACH transfer and can take 1-3 business days.
MoneyLion works on a membership model with the product “InstaCash” option (without interest) that offers to advance up to $250 ahead of payday. It also provides short-term loans.
You can also use an external bank account to MoneyLion for it to validate your direct deposit and balance history. There are a few things you should note in general while connecting an external bank Account to MoneyLion, to be eligible as per their terms.
- Bank account has been active for at least two months and has regular deposits of income/paychecks
- It has a positive balance
Does Earnin work with Cash App
You may not be able to use Earnin with Cash App. As per Earnin, it does not support transfers to prepaid cards or prepaid accounts, including Cash App Card.
Does Chime Spot Me work with Cash App
You can also use Chime with Cash App by adding your Chime Debit Card or Chime Bank account as a payment method in Cash App.
If you have signed up with Chime, you could also spot yourself an advance of up to $200 (depending on your direct deposit), using Chime Spot Me.
Does Albert Work with Cash App
If you have an Albert Saving account with a card, you can add this card in Cash App to pull funds when needed from Albert account to Cash App. You can also cash out your Cash App funds to this card using an instant deposit.
However, it won’t work if you are looking to link Cash App Card in Albert App.
As per Albert website, to get access to Albert Instant (cash advance facility), you need to link a debit card associated with a bank account where you receive your income. Prepaid cards and cash cards don’t have the necessary functionality to receive and repay cash advances and are not supported by Albert Instant.
It also gives the below list of prepaid cards which are not supported by Albert Instant:
- Walmart Money
- BankMobile Vibe
- AccountNow Prepaid Visa
- American Express Reserve
- Money Network Pay Card
Although Albert does not specifically call out Cash App Card in the above list, it may
Also Read: Can I Get Cash App Card for Child [Guide]
Cash App Borrow
Cash App has also introduced its own Borrow feature, by which you can borrow a loan on Cash App itself to a limit. The Cash App Borrow feature is still in the testing phase and has not been rolled out to everyone.
With the Cash App Borrow feature, Cash App in itself competes with the Cash Advance apps in a way. So in the case of linking fintech to fintech, it always is difficult to guarantee compatibility due to such conflicting interests.
If you are able to see the Borrow feature active in your Cash App, you can use it to get a loan of $20 to $200. However, this is not known to be a cheap option.
Cash App charges a 5% flat fee to borrow, plus another 1.25% per week after the grace period. So it may turn out to be more expensive than other apps, but maybe more convenient to set up or administer.
- Open Cash App.
- Next tap on your Cash App balance on the bottom left corner.
- Next go to the “Banking” header
- If you see “Borrow” you can take out a Cash App loan.
- Tap on “Borrow.”
- Tap “Unlock.”
- Cash App will tell you how much you’ll be able to borrow.
- Read the user agreement.
- Accept a Cash App Borrow loan.
Unfortunately, you cant link or add your Cash App account in any of the Cash Advance Apps. But there are ways to move funds between your Cash App account and your Cash Advance App, either using a traditional bank account as a link or by directly linking the cash advance card offered by such Payday apps in your Cash App account.