7 Real Apps That Loan You Money Instantly Without A Job
Everyone needs to borrow money sometimes. But if you're currently unemployed or have highly irregular income, qualifying with a lender can be extremely challenging.
This is even the case with many of the best cash advance apps. However, you're not completely out of options.
In fact, it's still possible to borrow money without a job if you know the right apps and solutions to turn to!
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The Best Apps That Loan You Money Instantly Without A Job
1. Cleo
Cleo is a budgeting and cash advance app that’s specifically made for gig workers and those who don’t have a reliable income source.
With Cleo, members can borrow $20 to $250 against their upcoming income. There's no credit check requirement or interest. And Cleo accepts irregular income like freelancer income or income from gigs apps like Uber Eats or DoorDash.
As long as you have consistent income, you can qualify for an advance with Cleo. And like most advance apps, it connects to your bank account to analyze your income history and spending habits.
If you need cash to pay rent or other bills, this quick cash spot can be super helpful. Just note you have to pay for Cleo Plus, which costs $5.99 per month, to unlock cash advances. Cash advances are free if you wait a few days. Alternatively, you can pay a variable express fee to get paid immediately.
Along with cash advances, this subscription also lets you view your credit score, open Cleo accounts, manage your budget, and use Cleo’s savings tools.
Try out Cleo or read our Cleo app review to learn more!
2. Dave
Dave is another popular app that's similar to apps like EarnIn and Super. And its ExtraCash Advancement feature lets members borrow up to $500 against their future earnings.
Now, Dave requires you to have at least $1,000 in monthly deposits in your linked account to qualify. But this income doesn't have to be from a W-2 job and can be from freelancing, an online job, or some kind of irregular employment.
Like Cleo, Dave doesn't require a credit check. It doesn't charge interest either. However, you need to pay a $1 monthly membership to use Dave, which is pretty reasonable.
It also has budgeting tools and a cool side hustle finder tool. This helps members earn more money with hustles like cash surveys, part-time gigs, paid gaming apps, and more.
If you want to receive your cash immediately, you can pay a fee equal to 3% to 5% of your request, or else your money will be transferred for free and arrive in your bank account in two to three days.
Try out Dave or read our Dave app review!
3. Klover
Although most Klover users must show consistent direct deposit paychecks into their account to qualify for cash advances, the company also offers an option for those receiving social security payments, as long as they are made in 7 to 14 day cycles and as long as they are at least $250 each.
This makes Klover a viable solution to borrow money without a job. And it's a popular option for retirees and those depending on social security payments to get by.
If you qualify, Klover lets you borrow between $25 to $250. Money arrives for free if you wait a few business days. Alternatively, you can get paid the same day if you pay a variable express fee of $1.99 to $16.78.
What makes Klover unique and ideal for getting a cash advance with no job is its points system. You can increase your advance limit by completing tasks like answering paid surveys, watching videos, and playing cash games.
Get started with Klover or read our Klover review to learn more!
4. Empower
Empower offers users up to $300 in a cash advance. To qualify, it requires users to have a consistent source of income, but this doesn’t necessarily need to be from an employer and Empower looks at all regular deposits.
You need to pay $8 per month to use Empower, which is a bit on the high side. However, the app also has features like credit monitoring, budgeting help, and other financial tools you can use to save money. If you’re unsure about using Empower, you can sign up for a 14-day free trial to see if you qualify for cash advances.
Instant delivery on cash advances is available for a fee of $1 to $8, but standard delivery will have the money in your account within one day (one of the shortest deposit times for free transfers in the business).
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5. Credit Genie
Credit Genie is another app that lends you money without having a job. It lets members borrow up to $100 as long as you have at least $750 in recurring deposits each month.
This income can come from government benefits, disability payments, freelance income, or various side hustles. And Credit Genie doesn't charge interest or run a credit check.
The one downside of using Credit Genie is that users must pay either $4.99 monthly membership fee or a $3.49 bi-weekly fee to use the cash advance service, and the maximum advance limit is only $100.
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6. MoneyLion
MoneyLion touts one of the highest cash advance limits in the industry at $500 or even $1,000 for its RoarMoney members, but it only allows users to request up to $100 of their limit each day.
This InstaCash service typically requires users to show recurring direct deposits from an employer, government benefits, or pension payment.
MoneyLion also offers an opportunity to those who are unemployed, between jobs, or for gig workers who can also qualify through the company’s “Trial InstaCash” program. With this service, users who aren’t eligible under the standard requirements can qualify for a smaller cash advance amount to start with, and over time this amount can grow as you prove yourself to be a reliable borrower.
There's no required monthly membership fee associated with InstaCash. But if you want your advance deposited immediately into your account, you have to pay a fee of $1.99 to $8.99 or else deposits take two to five days.
7. Chime MyPay
One final option to borrow money while unemployed you can try is Chime MyPay.
Chime is a digital banking solution that's known for its low fees. And its new MyPay feature lets members borrow up to $500 in an advance.
Chime mostly caters to members who are employed or have regular income. However, you can still qualify if you receive one qualifying direct deposit payment of $200 or more in the last 34 days from a government benefits payer.
You need to open a Chime checking account to use MyPay. But it's another no-interest solution to potentially get quick money when you're in a pinch. Alternatively, try out these money apps that work with Chime instead.
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Alternatives To Borrow Money Without A Job
Of course, there are other ways to borrow money without a job that don’t involve using one of these cash advance apps. Here are some other reliable options you can consider:
- Start A New Side Hustle: Even if you don’t have a steady full or part time job, there are still ways to make a little money on the side. And plenty of side hustles pay the same day or within a few days when you're tight on cash.
- Personal Loans: There are few different ways to get a personal loan, and while some avenues require providing proof of income from an employer, you can also get approved for a loan by showing a strong credit score, credit history, or offering collateral in the form of a vehicle or your home. However, you still will likely have to show some income source, but this can be from sources like alimony, gig work, social security, or workers compensation.
- Ask Family & Friends: Friends and family members can be an easy and convenient way to borrow a little bit of money to get you through a tough time. However, we know not everyone will have this option, and if you do decide to go this route consider how it may affect your personal relationship with the individual before you accept their help.
- Get A 0% Credit Card: Most low to 0% interest credit cards require you to have a steady source of income, but this can be from a source other than a job like rental income, social security, alimony, financial aid, or retirement benefits. If you don’t have the required income, you may be able to qualify by adding a co-signer to the card.
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Final Thoughts
I hope this list of apps that lend you money without a job helps you hold yourself over while money is a bit tight.
There are also plenty of ways to earn more money each month without borrowing. You can try earning money online, getting a part-time job, or even doing local cash gigs to make ends meet. And if you need a helping hand, these unemployment cash advance apps can help.
Best of luck, and thanks for reading!
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