Cash Advance Apps that work with Cash App [2022 Helpful Guide] Payday advance apps like Dave that work with Cash App

If you are looking for cash advance apps that work with Cash App, you are on the right post to get the complete answer.  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 payday advance apps that support Cash App.

Cash Advance apps allow you to borrow funds outside of your payday cycle. They offer a cheaper alternative to the Overdraft facility offered by traditional banks which comes with heavy fees, that can burn a hole in your pocket. Most advance apps instead rely on voluntary tips or flat reasonable fees as source of revenue.

Some of the popular cash advance apps include Dave, Brigit, Cleo, Albert, Earnin, MoneyLion, Klover, Chime SpotMe® etc. However, not all cash advance apps are supported by Cash App. 

The Cash Advance apps are essentially advancing you against your paycheck and they need visibility of payday and steady stream of direct deposits. These cash advance apps work like payday loans, however, they follow a different model and turn out to be a much cheaper option.

So let’s answer the main 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 cash advance.

The answer is unfortunately no. Cash advance apps need visibility of your payday and paycheck amount. 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.

Having said that, if you want to connect and move funds from Cash Advance Apps to your Cash App account and vice versa, there are some ways to achieve this.

If you are looking to use Cash App with these cash advance apps, it would be better to first set up your direct deposit with a traditional bank account or supporting online banks. Then use this bank account or bank 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 even consider using an online-only banking service like Chime that works with other cash advance apps. It also offers its fee-free overdraft Chime SpotMe: you can check the complete details in this guide. You can easily link your Chime bank account in Cash App using Plaid or by adding the Chime debit card.

Note: Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

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.

Cash Advance Apps that work with Cash App

  • Dave
  • MoneyLion
  • Chime SpotMe
  • Albert
  • Cash App Borrow

Important: These payday apps allow you to move funds to and from Cash App by adding the cash advance app card inside Cash App.

But to be able to get the cash advance, you have to set up direct deposit with a supporting traditional or online bank and not with Cash App.

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 and has the following temrs

  • Monthly subscription fee of 1$ for membership
  • Express delivery fees – $0.99-$6.99 -to get instant access to advance to Dave Spending Account, higher for external bank accounts.
  • No interest or credit check required
  • You can get a cash advance of up to $500 (Monthly total deposit of $1,000 or more required for a higher advance amount)
  • Link external bank account -traditional or online bank or use Dave’s own checking account which has eligible direct deposits.

If you link an external bank account, Dave usually verifies that your account has a minimum 60-day history and checks for any recent negative balances. Dave checks for at least three (3) recurring deposits, income history and spending patterns to determine eligibility and limits

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

  1. Open the Cash App and log-in
  2. Next tap on the Bank icon on bottom of cash app home page
  3. Next tap on Link bank
  4. Enter your Dave card number
  5. Follow the on- screen instructions and complete the Verification process
  6. Your Dave account will be linked to Cash App
  7. Now, go back to Cash App’s homepage
  8. Tap on the bank or dollar icon
  9. Choose Add Cash
  10. Enter the amount you wanna add
  11. Tap on the Add $ button
  12. Verify your identity
  13. 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 add your Roar Money Card to 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.

You can check more details on how to transfer money from MoneyLion to Cash App.

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.

Eligibility conditions MoneyLion

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
  • Bank account has a positive balance
  • Up to $250 cash advance with 0%APY
  • No interest or late fees
  • No credit history check
  • Express fees- $0.99 to $7.99 for to get advance instantly

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 and set up a direct deposit of $200 or more, you could also spot yourself an amount to $200 by opting for Chime SpotMe®.

Chime SpotMe allows you to overdraft your Chime debit card for purchases and cash withdrawals.

You can read more on the details of how Chime SpotMe works and why Chime is a preferred choice for online banking.

Does Albert Work with Cash App

If you have the Albert Cash account which comes with the Albert debit card, you can add this card in Cash App. This can be used 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:

  • Netspend
  • Walmart Money
  • BankMobile Vibe
  • Card.com
  • Go2Bank
  • 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 imply.

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 money that you have to repay in four weeks. 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.

  1. Open Cash App.
  2. Next tap on your Cash App balance on the bottom left corner.
  3. Next go to the “Banking” header
  4. If you see “Borrow” you can take out a Cash App loan.
  5. Tap on “Borrow
  6. Tap “Unlock
  7. Cash App will tell you how much you’ll be able to borrow.
  8. Read the user agreement.
  9. Accept a Cash App Borrow loan.

Other Apps and their compatability with Cash App

Does Cleo Work with Cash App?

No, Cleo only works with a bank account to use Cleo Plus service. which has the cash advance offering. They don’t support linking to prepaid cards.

But for the purpose of moving money between the two apps, you can use a common bank account to connect Cleo to Cash App.

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.

You can still use a workaround to link Cash App to Earnin for the purpose of moving funds between the two apps.

Does Vola work with Cash App?

No, Vola does not support prepaid cards like Cash App or Venmo.

Vola, founded in 2017, is a relatively new player in the payday loans segment. It offers cash advances up to $300. It has its headquarters in New York. There is no interest but it requires you to pay a membership fee staring at $2.99.

You may be able to add the Vola prepaid card inside Cash App. However, there is no confirmation on this. Do share in the comments, if it works for you.

Wrap Up

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.

References

  • https://support.dave.com/hc/en-us/articles/360062306431-Cash-App
  • https://help.albert.com/hc/en-us/articles/360041602433-How-do-I-qualify-for-Albert-Instant
  • https://help.earnin.com/hc/en-us/articles/360033747993-Can-I-use-a-prepaid-card-or-a-paycard
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Dev

I have a passion for finance and technology. On this blog, I share helpful information on products and services that we use in our daily lives and simplify things I learned the hard way.

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