$50 Loan Instant Apps: Best Apps to Borrow $50 Fast

Life happens, and sometimes we find ourselves short $50. So, whether you need to fill up your gas tank or simply put food on the table, a $50 loan instant app might be something you should consider.

Better than payday loans, instant loan apps provide almost instant access to the funds you need, and many apps don’t charge interest or have hidden fees.

What Are $50 Instant Loan Apps?

Instant loan apps help bridge the gap between paydays. If you have a sudden emergency and don’t have the funds to cover it, cash advance apps may help. Most cash advances are short-term, but with a $50 loan instant app, it isn’t an issue for most.

Some of the best instant money apps provide not only a loan to cover you between paydays but early access to your earned funds. In other words, they work with your employer to track your earnings and get them to you before payday.

Most apps for instant money require you to repay the loan when you receive your next paycheck, so it is very short-term. Consider them like payday loans but without the hefty fees.

However, this doesn’t mean a money-lending app won’t charge fees. Always look at the fine print to see what the payday loan will cost. I’ve outlined what the most popular money lending apps charge below, but always double-check that there aren’t any hidden fees.

Best $50 Instant Loan Apps

Here are the best $50 loan instant apps you can download today:

  1. Chime®
  2. Dave
  3. Empower
  4. Earnin
  5. PaydaySay
  6. PayActiv
  7. MoneyLion
  8. Cleo
  9. Branch
  10. Brigit
  11. DailyPay
  12. FlexWage
  13. Albert

1. Chime® chime app Logo

  • Amount: $20 – $200
  • Fee: $0
  • Interest rate: 0%
  • Waiting period: Immediate
  • Credit check: No


Chime is a fintech app that offers a ‘Spend account’ or checking account. You don’t need a certain balance, and there aren’t any fees. If you open a Spend account, you’ll also have access to SpotMe®, Chime’s instant money loan.

To be eligible, you need at least one direct deposit of $200. Then, you’ll complete an application, and Chime will use the information to determine if you qualify. They don’t do a credit check, but they use other resources to determine if you qualify.

The SpotMe® service has no fees but is only available to those with a Chime Checking account. If you overdraft your account using your Chime debit card, Chime will ‘spot’ you the cash. At first, the cash advances are limited to $20. Chime may increase your limits based on your spending habits, bank account history, and other factors.


  • No credit check
  • No subscription fees
  • The advance is instant


  • Only works on Chime debit card purchases
  • You need at least a $200 direct deposit in the last month

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Chime SpotMe® is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe® won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions

2. Dave dave app Logo

  • Amount: Up to $500
  • Fee: $1 per month
  • Interest rate: 0%
  • Waiting period: 1 – 3 days
  • Credit check: No


Dave is one of the best cash advance apps available today. It’s a fintech banking app that gives you access to up to $500 in between paydays. Dave charges a $1 monthly fee, but there aren’t any other fees or interest unless you request an instant transfer.

The amount you can borrow depends on your Dave history, how much you have outstanding, and how fast you pay your loans. Any money you borrow is taken right from your deposit on the next payday either from your Dave or linked bank account.

Dave provides access to your paycheck up to two days early, and if you need your cash advances early, you can pay $1.99 – $13.99 and receive the funds in as little as eight hours.


  • No credit check
  • No late fees
  • Can use for any purpose


  • Must pay a monthly subscription fee
  • Small fee for instant deposit


3. Empower empower app Logo

  • Amount: Up to $250
  • Fee: $8 per month
  • Interest rate: 0%
  • Waiting period: 1 -3 days
  • Credit check: No


Empower offers cash advances up to $250. They don’t charge interest or late fees. Empower bases eligibility on your bank account balance and overall banking activity. They’ll send money to your free Empower debit card, or you can link an external account.

Empower is only free for 14 days. After that, there is an $8 monthly charge. But for that fee, you also get access to budgeting tools to help you reduce expenses and eliminate the need for a cash advance.


  • The app offers budgeting and personal finance tools in addition to the cash advance
  • 14-day free trial
  • No hard credit check


  • High monthly fee
  • It can take up to two hours for the ‘instant’ delivery


4. Earnin earnin app Logo

  • Amount: $100/day and up to $750/pay period
  • Fee: $0
  • Interest rate: 0%
  • Waiting period: 1 – 3 days
  • Credit check: No


Earnin believes you shouldn’t have to wait to receive your earned funds, so they help you get cash quickly by accessing your earned funds early with an instant loan. With Earnin, you can get up to $100 a day and $750 in a pay period advanced to you, and it’s an interest-free cash advance.

Their standard transfer time on their instant loan is one to three business days which is worth waiting for because there’s no fee. However, if you need an instant transfer or Lightning Speed transfer, as they call it, you’ll pay a small fee, and according to Earnin, the service isn’t available to every member.

To qualify, you must link your bank account, and Earnin will automatically withdraw the funds you owe from your next paycheck.

To use this quick cash app, you must be employed and receive a direct deposit in your existing checking account. However, the app is completely free if you can time it right and request your funds at least three days before you need them.


  • Offers higher limits than most $50 instant loan apps
  • Doesn’t charge a monthly fee
  • No credit checks required


  • You must be employed
  • You must give access to your timesheets


5. PaydaySay paydaysay app Logo

  • Amount: $100 – $5,000
  • Fee: $0
  • Interest rate: Varies by lender
  • Waiting period: 1 -2 days (varies by lender)
  • Credit check: Yes (varies by lender)


PaydaySay isn’t your traditional instant cash advance app because it’s a marketplace or facilitator between you and the lender. They work with various lenders, which may increase your chances of approval, but it may also take more effort to get instant money.

PaydaySay offers fast money loans for small loan amounts, but some lenders lend up to $5,000. The more money you borrow, the more documentation the lender will need to approve you for the loan.

PaydaySay doesn’t charge monthly or transaction fees; however, the lender you’re matched with might, so always ask before accepting a loan. Because PaydaySay works with many payday loans and lenders, it’s important to read the fine print. The cost of the loans can be much higher than some of the traditional instant cash apps.

Most lenders require you to pay the loan back by your next paycheck, but they don’t automatically withdraw the funds like many of the best money-loaning apps on this list.

Like any loan, you’ll pay interest and penalties if you don’t make your payment on time.


  • Higher chance of approval through the use of multiple lenders
  • High loan limits of up to $5,000
  • PaydaySay is free


  • Interest and fees may be higher, depending on the lender
  • May not have automatic payback


6. PayActiv payactiv app Logo

  • Amount: Up to 50% of your earned wages
  • Fee: Up to $2.99
  • Interest rate: 0%
  • Waiting period: 1 -3 days
  • Credit check: No


PayActiv is an app that your employer must sign up for and offer as a benefit. If your employer doesn’t offer it, you can apply for the Payactiv Visa card and use the service. Because the app is linked to your employer, it tracks your hours worked and allows you to access 50% of your earnings or up to $500 without direct deposit. If you have a direct deposit set up, you can access up to $1,000.

The funds are always available in the instant cash advance app. You can leave it unused or transfer it to your bank account, debit card, or Payactiv Visa card.

Payactiv automatically deducts the funds from your next direct deposit. It’s a free service if you have set up the direct deposit of your paycheck to your Payactiv card. If not, you’ll pay $1.99 for each transaction to your Payactiv Visa card or $2.99 to an external account. Since Payactiv isn’t an instant money loan, they are accessing your already earned funds; there aren’t any interest charges.


  • No interest charges
  • Early access to funds you already earned
  • Offers budgeting tools


  • Charges per transfer can add up
  • Can be a hassle if your employer doesn’t offer it


7. MoneyLion moneylion app Logo

  • Amount: $10 – $500
  • Fee: $0
  • Interest rate: 0%
  • Waiting period: Up to 5 business days
  • Credit check: No


MoneyLion helps you get instant cash whether or not you have a MoneyLion bank account. With a linked external account, you can get up to $500 if your account is active and has been open for at least two months. If you have a RoarMoney℠ account with direct deposit, you can unlock up to $1,000 in cash advances.

With MoneyLion, it can take 12 to 48 hours to receive your funds in your MoneyLion account.

If you want the funds sent to an external account, it may take three to five business days. If you need the money faster, you can pay a fee for an instant transfer. The cost varies by amount and where you’re sending the money.


  • Offers other personal finance tools, including a credit builder
  • Can get cash advance for no fees (or low fees)
  • No credit check


  • Standard delivery can take a long time
  • Higher limits are only available if you have a RoarMoney℠ account


8. Cleo cleo app Logo

  • Amount: Up to $250
  • Fee: $0
  • Interest rate: 0%
  • Waiting period: 3 – 4 days
  • Credit check: No


Cleo is one of the most user-friendly money-lending apps. When you first use it, you can borrow money between $20 – $70. However, once you have a history of paying your loans back on time, you may be able to borrow as much as $250.

It’s available in the iPhone and Google Play app store and is easy to use. Users link their bank accounts to the app, and Cleo reviews their transactions to advise how to manage their funds better.

The easiest way to get a cash advance from Cleo is to subscribe to Cleo Plus for $5.99 a month. The subscription gets you access to other features, including budgeting and savings tools, and cash-back opportunities. You can also email customer service and apply for a cash advance without the subscription, but it’s not as easy.


  • No interest because it’s an advance on your pay
  • No credit checks
  • Can borrow up to $250 after establishing a history


  • Hefty monthly fee
  • Delivery can take a while


9. Branch branch app Logo

  • Amount: Up to $500
  • Fee: $0
  • Interest rate: 0%
  • Waiting period: 1 -3 days
  • Credit check: No


Branch is another one of the money loan apps that are only available through your employer. However, if your company offers it as a benefit, you can access up to 50% of your earned pay early. The money goes into a mobile digital wallet rather than your bank account, so you can use the funds however you need.

This cash loan app works well for independent contractors because Branch can pay them instantly after doing the work rather than making them wait for payment.

The best part is employees don’t pay anything for the service. It’s a free benefit for being an employee.


  • Your employer handles sign-up and paperwork
  • Works well for independent contractors
  • Option to access funds instantly


  • Standard delivery takes a while
  • Only offered through employers


10. Brigit brigit app Logo

  • Amount: Up to $250
  • Fee: $0
  • Interest rate: 0%
  • Waiting period: 1 -3 days
  • Credit check: No


Brigit is a budgeting app and instant cash advance app all in one. It links to your bank account to monitor your financial habits. If the algorithm notices you need a boost because your account will go negative, it can make an automatic deposit.

With this cash loan app, you can borrow up to $250 if you subscribe to the Plus or Premium Plan ($9.99 – $14.99/month). The amount you can receive depends on your banking history. Brigit sets up a repayment schedule automatically too, but you are free to pay the loan back earlier if you want.

Like many of the best instant money apps, Brigit doesn’t run a credit check, and they don’t charge interest on your loans.


  • No interest
  • Can ask for a repayment extension for free
  • Offers additional personal finance tools


  • Cash advance requires a subscription of $9.99 – $14.99 per month
  • Instant delivery has a fee


11. DailyPay dailypay app Logo

  • Amount: Varies by employer
  • Fee: $0
  • Interest rate: 0%
  • Waiting period: Varies
  • Credit check: No


DailyPay, as the name suggests, helps employees get their hands on earned wages daily. This is another one of the lending apps that work through your employer. DailyPay will send your loan to your bank account or debit card. You can have the money sent instantly for a fee or wait a few days for no fee.

You can transfer funds from the cash loan app 24/7 and as soon as the minute after you finish your shift. You can either wait a day to receive it or pay up to $3.49 for an instant transfer.


  • Easily see your earnings and how much you can access
  • Can access funds by the next business day for free
  • Can set up funds for automated savings


  • Only available through your employer
  • Charges a fee for instant transfer


12. FlexWage flexwage app Logo

  • Amount: Varies by employer
  • Fee: $0
  • Interest rate: 0%
  • Waiting period: Varies by employer
  • Credit check: No


FlexWage is one of the apps for instant money that works through your employer. If your employer subscribes to FlexWage, you get early access to your earned wages, receive tips on a pay card at the end of a shift, and have instant access to your paycheck on payday.

FlexWage charges a fee, but how much of it your employer passes on to you varies by employer.


  • Early access to earned wages
  • Instant access to tips
  • Receive funds on a Flexwage Visa Payment card


  • Only offered through employers
  • Employers set the limits and parameters


13. Albert albert app Logo

  • Amount: Up to $250
  • Fee: $0
  • Interest rate: 0%
  • Waiting period: Immediate
  • Credit check: No


Albert can be a great option as an instant loan app with overdraft protection. They don’t believe in overdraft fees, so they offer an instant cash advance of up to $250 to protect you. In addition, they don’t charge interest or late fees. There’s also no credit check to qualify.

Albert requires a $14.99 monthly subscription for the service, and the overdrafts covered are those occurring from purchases, ATM withdrawals, and eligible transfers.


  • Helps you avoid overdraft fees
  • No credit check
  • Can get up to $250


  • High monthly fee
  • Not a true cash advance


How to Choose the Best $50 Loan Instant App

When considering $50 loan instant apps, choosing the right one is important. Here’s what to consider:

  • Qualifying requirements: Determine how you qualify for the advance and if you meet those requirements.
  • How much you can borrow: The apps on this list get you at least $50, but sometimes you need much more, so pay attention to the limits and how to qualify.
  • Transfer time: Look closely at how long each transfer takes, as some can take as long as five business days, or you must pay a fee for an instant transfer.
  • Due date: Each app has a different repayment date. Make sure you can meet the requirements so you don’t incur more fees or hurt your credit.

How to Get Approved for the Best $50 Instant Loan Apps

A $50 loan instant app doesn’t have to put you through the wringer to get approved. It’s not like you’re buying a car or house with the funds. But, each app has different ways of approving you for the loan.

Most instant loan apps look at your banking history, especially your deposits and your account history with the instant loan app if this isn’t your first time using it. Most apps don’t do credit checks, so they rely on your bank account history to determine if you can afford to repay the loan.

Some apps might look at your credit history, so don’t ignore your need to keep up with your credit, especially if you’ll need to borrow over $250.

In addition, some apps only work through your employer. Your employer must sign up for the app and offer it as one of your employee benefits. If they do, the app is usually free for employees to use, and it gives you early access to funds you’ve already earned but haven’t been paid yet.

Alternatives to Apps That Let You Borrow Money

If you always need to borrow money instantly, you may want to explore other ways to make more money. For example, payday loan apps can be a way to get an instant loan, but most have fees, and it’s not a good habit to get into to always run out of money.

These methods help you avoid instant loan apps and put more money in your checking account, so you have less financial stress.

Sell Unwanted Items

You probably have things lying around your house you no longer need. However, someone might need or want them and is willing to pay.

There are many sites to sell your goods, depending on what you have. Anything popular that you can ship should go on eBay. Set up an auction and give yourself the chance to make great money. If you have designer clothes or accessories, open a Poshmark account, and anything else, you can list them on sites like Facebook Marketplace or OfferUp.

Start a Side Hustle

If you want to avoid the $50 loan instant app or are tired of constantly paying overdraft fees, consider starting a side hustle.

There are many opportunities to make more money, including freelancing gigs, downloading gig economy apps like Uber, Lyft, Instacart, or DoorDash, babysitting, pet sitting, or tutoring.

With each side hustle, you set your own schedule and choose the rates. Putting the money aside in an emergency fund or any other account you won’t touch lowers the chance of needing any instant cash loans.

Utilize Your Emergency Fund

If you have an emergency fund set aside, use it when emergencies happen. For example, if you lose your job or fall ill and can’t work, use your savings to cover your bills. Using the loan apps available might be tempting, so you don’t use your savings, but when you recover, you can save money again in your emergency fund.

Borrow from Friends or Family

If you have a sudden emergency, friends or family may be willing to help you, especially if you need to borrow $50 – $100. Be clear about the loan terms, and tell the donor when you could repay the debt so they know what to expect without causing any arguments or hard feelings.

Personal Loans

If you need to borrow much more than $50, you may consider a personal loan. These unsecured loans often have fixed interest rates, and if you have decent credit, they may not have high interest rates, allowing you access to the necessary funds at terms you can afford.

Our Methodology

When choosing $50 loan instant apps, we carefully considered the following features to only provide you with a list of the best apps available.

  • Apps that either didn’t charge fees, or charge minimal fees for the instant loans
  • Simple qualifying requirements, such as direct deposit amounts, or linking an active checking account
  • Great customer service with easy solutions to the most common problems
  • Option to get an instant transfer, as well as a free standard transfer
  • No credit checks or affect to your credit score for borrowing the funds

Frequently Asked Questions

What app can I borrow money from immediately?

Apps like Earnin and Albert offer the option to pay an instant transfer fee so you can receive your funds immediately.

Is it safe to use instant loan apps?

Always use caution when using an instant loan app. Make sure the app is legit before sharing your information, and never share your login information with anyone else since you share your banking information with the app.

Are instant loan apps scams?

Reputable loan apps aren’t scams, but plenty can be. Don’t take the risk if an offer seems too good to be true or unsafe. Instant loan apps should have security measures, and the banks that back them up should be FDIC-insured.

Do payday advance apps have a maximum payout?

Each of the cash loan apps has different thresholds. For example, you’ll find the $50 loan instant app that only offers up to $50, but then you’ll find some that loan as much as $250 – $1,000. Because this should be a short-term loan, try keeping your balance as low as possible. If you need over $250, your emergency fund should cover that.

Are there same-day loans for bad credit available via apps?

Most instant loan apps discussed in this list don’t do a credit check. Most apps that lend you money focus on your banking history or your history with the app’s loans if you’ve borrowed from them before.

Do instant cash apps have a minimum credit score requirement?

I found that most apps to instantly borrow money don’t check credit, so you don’t have to worry about your credit score. Of course, keeping your credit in good standing is always a good idea, but if you’re in a pinch, your credit score shouldn’t get in the way of your short-term loan.

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