Life can be tough when you’re out of work. Bills keep coming, but your income has stopped.


What do you do when you need money fast? Thankfully, there are now apps that can loan you money instantly, even if you don’t have a job.

These apps understand that not everyone has a steady paycheck. Some people get by on unemployment benefits, child support, or Social Security.

Others might be between jobs or retired. Whatever your situation, these apps can help you get quick cash when you need it most.


Best Apps That Loan You Money Instantly Without A Job in 2024

Best Apps That Loan You Money Instantly Without A Job


In this article, we’ll look at 18 apps that can loan you money without requiring a job.

We’ll cover how they work, how much you can borrow, and what you need to qualify.

By the end, you’ll know your options for getting fast cash, even without regular employment.


Top Apps That Loan You Money Instantly Without a Job

Let’s dive into the list of apps that can help you out when you’re jobless and need money fast.

  • 1. FloatMe

FloatMe is a simple app that gives you small cash advances. Here’s what you need to know:

  • You can borrow $10 to $50
  • No credit checks
  • No interest fees
  • Works with over 10,000 banks
  • Costs about $2 per month
  • Free 7-day trial

FloatMe is great when you just need a little extra to tide you over. It’s cheap and easy to use.

  • 2. Grain

Grain is a bit different. Instead of a loan, it gives you a line of credit. Here’s how it works:

  • Approves you based on cash flow, not credit score
  • You link your checking account
  • Use your debit card to access your credit line
  • No set loan amount – use what you need
  • Currently only available on Apple devices

Grain can be a good option if you need ongoing access to extra funds.

  • 3. Chime SpotMe

Chime is a popular online bank. Their SpotMe feature can help you avoid overdraft fees. Here’s the deal:

  • Gives you up to $200 in overdraft protection
  • Must be a Chime member
  • Need at least $200 in monthly direct deposits
  • Must have an activated Chime debit card
  • Can get “SpotMe Boosts” from friends for extra protection

If you’re already using Chime, SpotMe is a great feature to take advantage of.

  • 4. SoLo Funds

SoLo Funds is unique because it connects borrowers with individual lenders. Here’s how it works:

  • Borrow $20 to $575
  • Pay back on time to increase your borrowing limit
  • Can also become a lender yourself
  • Lenders can earn money from repayments and tips

SoLo Funds creates a community of people helping each other out financially.

  • 5. SoFi Personal Loans

SoFi offers larger personal loans for bigger expenses. Here’s what you should know:

  • Borrow $5,000 to $100,000
  • Quick pre-qualification process
  • Funds in your account within 24 hours
  • Low rates and no fees
  • Offers Unemployment Protection if you lose your job

SoFi is a good choice if you need a larger sum of money.

  • 6. Dave

Dave is similar to FloatMe, offering small cash advances. Here’s the scoop:

  • Costs $1 per month
  • Can borrow up to $500
  • Includes budgeting tools
  • Offers “Side Hustle” feature to find part-time work
  • Quick approval process

Dave is affordable and offers extra features to help you manage your money.

  • 7. Empower

Empower offers both cash advances and a line of credit. Here’s how it works:

  • Start with cash advances up to $250
  • Can upgrade to get a $200 to $1,000 credit line
  • Costs $8 per month
  • 14-day free trial
  • Need regular income and an active checking account

Empower gives you options to borrow small or larger amounts.

  • 8. Go2Bank

Go2Bank is an online bank that offers several helpful features:

  • Get government benefits up to 4 days early
  • Up to $200 in overdraft protection
  • Free account with direct deposit
  • Offers a credit-building Visa Credit Card
  • Free monthly credit scores

Go2Bank is great if you receive government benefits and want to build credit.

  • 9. MoneyLion

MoneyLion offers cash advances and other financial services:

  • “InstaCash” advances from $25 to $500
  • Higher limits with recurring deposits
  • “RoarMoney” account offers up to $1,000 advances
  • Credit Builder Plan for $20/month
  • Need proof of income and a 2-month-old bank account

MoneyLion provides a range of services to help you manage your money.

  • 10. Vola Finance

Vola Finance offers cash advances with some extra features:

  • Borrow up to $300
  • Monthly fee of $3 to $29
  • No credit checks or interest
  • Includes tools to monitor your spending
  • Need proof of income and a 90-day-old bank account with a $150+ balance

Vola Finance can be pricey, but its budgeting tools might be worth it for some users.

  • 11. Speedy Cash

Speedy Cash offers various types of loans:

  • Title loans
  • Payday loans
  • Installment loans
  • Personal lines of credit
  • Borrow $50 to $26,000
  • Apply online or in person
  • Need proof of income, ID, and checking account

Speedy Cash gives you more loan options, but be careful with high-interest payday loans.

  • 12. Cash App Borrow

Cash App, a popular money transfer app, now offers borrowing in some states:

  • Borrow $20 to $200
  • 5% flat fee on each loan
  • Must repay within 4 weeks
  • Need $1,000+ monthly income
  • May require a credit check
  • Must be 18+ and a U.S. citizen

Cash App Borrow is convenient if you already use the app, but it’s not available everywhere.

  • 13. Gerald

Gerald offers cash advances and bill-paying features:

  • Get up to $215 in advances
  • Can get half your paycheck early
  • Cashback rewards on bill payments
  • Includes bill tracker and budget calculator
  • Costs $9.99 per month

Gerald is helpful if you want to help manage bills along with cash advances.

  • 14. Lenme

Lenme connects borrowers with individual lenders:

  • Borrow $50 to $5,000
  • Get funds in 1-2 days
  • Up to a year to repay
  • Can also invest by lending to others
  • Repayment terms vary by lender

Lenme offers larger loan amounts than many other apps on this list.

  • 15. Varo Advance

Varo, an online bank, offers cash advances to its customers:

  • Start with $20 advances (no fee)
  • Can increase to $100 advances over time
  • Fees of $3-$5 for larger advances
  • Repay in 15-30 days
  • Need Varo account, debit card, and $1,000 in electronic deposits

Varo Advance is a good option if you’re already a Varo customer.

  • 16. Possible Finance

Possible Finance offers installment loans and a credit card:

  • Borrow up to $500
  • No penalty fees
  • Flexible repayment
  • Offers credit card with $400-$800 limit
  • No credit check or security deposit for the card

Possible Finance is good for building credit while borrowing.

  • 17. CashNetUSA

CashNetUSA offers various loan types:

  • Installment loans
  • Payday loans
  • Lines of credit
  • Borrow $100 to $3,500
  • Available in 29 states
  • Apply online

CashNetUSA offers larger loan amounts but check if it’s available in your state.

  • 18. Zirtue

Zirtue takes a different approach, helping you borrow from people you know:

  • Borrow up to $5,000 from friends and family
  • Set up repayment plans
  • Coming soon: Zirtue Mastercard Debit Card

Zirtue formalizes borrowing from your network.

Comparison Table

Here’s a quick comparison of these apps:

AppLoan AmountFeesSpecial Features
FloatMe$10-$50$2/monthNo credit check
GrainVariesVariesLine of credit
Chime SpotMeUp to $200FreeOverdraft protection
SoLo Funds$20-$575VariesPeer-to-peer lending
SoFi$5,000-$100,000No feesUnemployment protection
DaveUp to $500$1/monthSide hustle feature
Empower$250-$1,000$8/monthCash advance and credit line
Go2BankUp to $200Free with direct depositEarly access to benefits
MoneyLion$25-$500$20/month for Credit BuilderMultiple financial services
Vola FinanceUp to $300$3-$29/monthBudgeting tools
Speedy Cash$50-$26,000VariesMultiple loan types
Cash App Borrow$20-$2005% flat feePart of Cash App
GeraldUp to $215$9.99/monthBill management features
Lenme$50-$5,000VariesPeer-to-peer lending
Varo Advance$20-$100$0-$5Part of Varo Bank
Possible FinanceUp to $500VariesOffers credit card
CashNetUSA$100-$3,500VariesAvailable in 29 states
ZirtueUp to $5,000FreeBorrow from friends/family

How to Choose the Right App?

With so many options, how do you pick the right app? Here are some things to think about:

  • How much do you need? Some apps offer small advances, while others provide larger loans.
  • How fast do you need it? Check how quickly each app can get you money.
  • What are the fees? Look at monthly fees, interest rates, and any other charges.
  • What are the repayment terms? Make sure you can pay back the loan on time.
  • What are the requirements? Check if you meet the app’s eligibility criteria.
  • What extra features do you want? Some apps offer budgeting tools or other helpful services.

Tips for Using Loan Apps Responsibly

While these apps can be helpful in a pinch, it’s important to use them wisely:

  • Only borrow what you need.
  • Make sure you can repay on time.
  • Don’t rely on loans for regular expenses.
  • Use budgeting tools to manage your money better.
  • Look for ways to increase your income.
  • Build an emergency fund when possible.

Alternatives to Loan Apps

Loan apps aren’t your only option when you need money. Here are some alternatives to consider:

  • Negotiate with creditors: Many companies will work with you if you’re having trouble paying bills.
  • Seek assistance programs: Look for local, state, or federal programs that might help.
  • Sell unused items: You might have valuable things you no longer need.
  • Do odd jobs: Look for quick gigs on apps like TaskRabbit or Fiverr.
  • Ask family or friends: They might be willing to help if you explain your situation.
  • Contact charities: Some organizations offer financial help to those in need.


  • Q: Can I get a loan without any income at all?

A: It’s very difficult. Most apps require some form of income, even if it’s not from a job. This could include unemployment benefits, Social Security, or child support.

  • Q: Will using these apps hurt my credit score?

A: Most of these apps don’t do a hard credit check, so they won’t affect your credit score. However, if you fail to repay a loan, it could be reported to credit bureaus.

  • Q: How fast can I get money from these apps?

A: It varies, but many offer instant or same-day funding. Some may take 1-2 business days.

  • Q: Are these apps safe to use?

A: Most are safe, but always research an app before providing personal information. Look for user reviews and check if the app is regulated.

  • Q: What happens if I can’t repay on time?

A: This depends on the app. Some may offer extensions, while others might charge late fees. Always communicate with the lender if you’re having trouble repaying.

  • Q: Can I use multiple apps at once?

A: You can, but be careful. It’s easy to lose track of what you owe and when it’s due if you’re using several apps.

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Final Thoughts:

When you’re out of work, money can be tight. These apps offer a way to get quick cash without a job. They can be a lifeline when you’re in a tough spot.

But remember, these are short-term solutions. They’re not meant to replace regular income. Use them carefully and responsibly. Always read the terms and conditions before borrowing.

If you find yourself relying on these apps often, it might be time to look at your overall financial situation. Can you cut expenses? Find new sources of income? Build an emergency fund?


In the end, these apps can help you through rough patches. But the goal should be to build a stable financial foundation so you need them less and less.

Stay hopeful and keep working towards your financial goals. With careful planning and smart use of resources like these apps, you can weather financial storms and come out stronger on the other side.

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