Top 7 Unemployment Cash Advance Apps of 2024-2025 (Get Cash Advance Without Any Job)

If you do not have a job, it can become very difficult for you to meet your financial needs. You might consider getting a loan, but most lenders would deny your loan request because of your unemployment status. They may doubt your ability to repay the loan on time. Even if some lenders agree to offer you a loan, the interest rate would be so high that it would exceed your budget, especially if you are unemployed.

This is where unemployment cash advance apps come into play. These apps provide small, short-term loans that can be extremely helpful in cases of financial emergencies, medical emergencies, job loss, and more. You can obtain loans from these apps using just your mobile phone and a stable internet connection, all from the comfort of your home.

In this article, we will introduce you to the top 7 unemployment cash advance apps in the U.S.A. These apps will offer you easy loans, even if you do not have a job. We will also provide information about the advantages, disadvantages, and alternatives of unemployment cash advance apps, along with any additional information you need to know. So, let’s learn more about this!

Best Unemployment Cash Advance Apps

In this section, we will introduce you to some of the best Cash Advance Apps. With the help of these apps, you would definitely get a cash advance on unemployment benefits. We reviewed more than 25 apps on the basis of their loan term, loan amounts, interest rates, fees, ratings, etc, and came up with the following top 7 apps. Now let’s get to know these apps better.

1. Dave

Are you looking for an unemployed cash advance app that can offer you a small loan? If yes, then Dave is an ideal application for you. They offer small loans of up to $500. Not just they help you with the money, but they also help you build your credit score if you repay the loan on time. 

Also, they do not conduct an inquiry about your credit so your credit score does not really matter. All that matters is your monthly income. The loan amount will only depend on your payday and monthly income. You also get budgeting tools in their application. 

Moreover, they do not charge any fee for their services, but if you are satisfied with their services, you can give them a tip. You need to repay this loan on your next payday and there would be no interest. But if you delay the payment for the loan, you will need to pay high interest on it. 

If you want to get a loan from Dave, you will need to buy their monthly subscription which costs $1.00. Also, if you want the money to be deposited immediately, you will need to pay an extra fee of $0.99 to $6.99, depending upon your loan amount. Otherwise, the loan deposit can take up to 3 days. 

2. Chime 

Chime is a well-known money lending application all over the U.S.A. It is one of the best cash advance apps with unemployment benefits. They offer short-term loans of up to $200. In order to get a loan from them, you do not need to buy a subscription. You can just download their application, create your account and apply for a loan in just 5 minutes.

If your loan application is approved, they will deposit the loan into your bank account within one to two business days. The eligibility criteria for a Chime loan are very simple, you need to be a citizen of the U.S.A., your age must be 18 years or more, and you need to have a stable monthly income. 

When you repay a Chime loan on time, they report to all the 3 major credit bureaus, which ultimately results in a credit score boost. Also, there is no extra fee like a service fee or origination fee. If you pay the loan on time, you would not need to pay any interest rate as well. But you need to keep one thing in mind, you will only get a Chime loan if you are already a member of Chime and have a checking account with them. 

3. Earnin

Earnin is a mobile app that allows you to get a short-term loan whenever you need some money urgently. It is one of the best apps that loan you money instantly without a job. Users can link the app to their bank account and receive a loan ranging from $100 to $500. Also, if you repay the loan on time, you will not need to pay any interest. 

Earnin does not charge interest on the money it lends, but it does offer a “tip” system, where users can voluntarily pay a fee for the service. The app also offers features like balance tracking, bill reminders, and a “Cash Out” option for users who need money before their next payday.

The best thing about Earning is, they do not check your credit before offering you a loan, so no matter how bad your credit score is, if you have a stable monthly income, you will surely get a loan. But you will need to share your bank account information, and they will only give you a loan if your bank account balance is at least 50% of the total loan amount that you are demanding. 

4. MoneyLion 

If you are looking for payday loans for unemployment benefits then you must consider MoneyLion. It is a mobile app that offers a variety of financial services, including a cash advance feature. The app allows you to link your bank account and receive a cash advance ranging from $25 to $250 with no interest or fees. The cash advance is automatically repaid from your bank account on your next payday.

In addition to the cash advance feature, MoneyLion also offers a range of other financial services, including checking and savings accounts, investment accounts, and credit monitoring. The app also offers a rewards program that allows users to earn cashback on purchases and bonuses for completing certain financial tasks.

If you like their services, you can pay them a tip, but they do not necessarily ask for a fee for their services. They take approximately 2 to 3 days in depositing the loan amount, but if you need the money immediately, you can choose the turbo funding option which comes with a fee of $0.49 to $5.99% and you will receive the funding in just a few minutes. All in all, Money lion is one of the best cash advance apps with unemployment benefits. 

5. Vola Finance 

Are you looking for an unemployed cash advance? Do not worry, Vola Finance will help you out with this. It is an easy-to-use mobile application that offers loans of up to $300. In order to get a loan from Vola Finance, you need to have at least a $150 balance in your bank account. 

Along with this, you also need to have a bank account with at least 3 months of history, U.S.A. citizenship, 18 years of age, and proof of stable income. If you have all these, then only you will qualify for a Vola Finance loan. As soon as your loan gets approved, they deposit the loan amount into your bank account within a single business day. All in all, Vola Finance is one of the best cash advance apps with unemployment benefits. 

Moreover, Vola Finance only offers loans to people who have their membership which may cost $2.99 to $28.99 per month. So if you do not have a job but have a monthly income and are looking for loans for unemployed mothers or loans for self-employed, then you can definitely consider Vola Finance loans. 

6. Brigit 

Brigit cash advance app is designed to help people avoid overdraft fees, late fees, and other costly financial penalties. The app works by providing users with a small cash advance of up to $250, which is automatically repaid from the borrower’s bank account on their next payday.

To use the Brigit cash advance app, you’ll need to download the app and link your bank account. Brigit will then analyze your spending habits and account balance to determine whether you are at risk of over drafting. If so, the app will send you a notification offering you a cash advance to cover your expenses until your next paycheck.

To qualify for a cash advance from Brigit, you’ll need to meet certain eligibility requirements, including having a regular source of income, citizenship of the U.S.A., 18 years of age, and a positive bank account balance. You’ll also need to pay a monthly subscription fee to use the app, which ranges from $9.99 to $19.99 depending on the features you choose.

7. Klover 

The last app in our list of best unemployment cash advance apps is Klover. If you are facing some financial emergencies and need some funds to survive until your next payday then Klover is an ideal application for you. They offer loans up to $100. So if you need a higher amount, you will need to look for other unemployment cash advance apps. 

Moreover, you will only get a loan from Klover if your age is 18 years or more, you have a stable monthly income and you are a citizen or resident of the U.S.A. They also offer rewards like extra cash and low fee to repeat borrowers who paid their earlier loans timely.

Along with the loan feature, you will also find several other useful features in their application like budgeting tools, expense tracking tools, etc., that will ultimately help you to keep track of your expenses and save money. Also, you will only be able to get a loan if you give income proof of three previous continuous months. Otherwise, your loan request would simply be denied.

What are Cash Advance and Unemployment Cash Advance Apps?

Cash advance refers to a short-term loan that is typically issued by a credit card company or a lender. This type of loan allows a borrower to withdraw cash from an ATM or bank, or to receive a cash equivalent such as a prepaid debit card or a check.

Cash advances usually come with higher fees and interest rates than other types of loans, and may have limits on the amount that can be borrowed. They are often used as a last resort when a borrower needs money quickly and has exhausted other options, such as borrowing from friends or family or taking out a traditional loan.

Cash advance apps are mobile applications that provide users with the ability to receive small amounts of money quickly and conveniently. These apps may allow users to borrow money from their future paychecks or may provide small loans that can be repaid over time. 

Cash advance apps typically charge fees or interest for their services, and users may be required to link their bank account or provide other personal and financial information in order to use them. Some of these apps might also offer loans to people with bad credit or no job, those apps are known as Unemployment cash advance apps. 

Advantages of Unemployment Cash Advance Apps 

Now that you know what unemployment cash advance apps are, let’s have a look at some of the advantages of unemployment cash advance apps. Here we go:

1. Quick Access to Funds

Unemployment cash advance apps may offer faster access to funds compared to traditional methods such as paper checks. Where banks and credit unions take weeks to deposit the loan amount, these apps send you money just within a few minutes of approval. 

2. Convenience

These apps can be used from the comfort of your own home. You just need your mobile phone or laptop and a stable internet connection. You do not need to run to the bank or credit union again and again. 

3. Flexibility

Some apps may allow you to choose how much loan you want to access. You can also decide your loan repayment date. This results in greater control over your finances. Moreover, some apps might also allow you to get multiple loans and change your loan repayment date. 

4. No Credit Check

Most apps do not require a credit check, which can be helpful for those with poor credit or no credit history. Also, no credit check means that they do not conduct a soft or hard inquiry of your credit score so you do not need to go through unnecessary credit pull. Hence, it does not harm your credit score in any way. 

5. Lower Fees

Some unemployment cash advance apps may charge lower fees compared to traditional payday loans or other forms of short-term lending. But this would only be possible if your credit score is good to excellent. Because due to high creditworthiness, the lender will offer you low-interest and low-fee loans. 

Disadvantages of Cash Advance Apps

Unemployment cash advance apps have their own advantages and disadvantages. Now that you know their merits, let’s have a look at their demerits as well so that you can make a wise decision and see if these apps would work for you or not. 

1. High-Interest Rate and Fee

While some apps may charge lower fees compared to traditional payday loans, the fee for a cash advance on unemployment benefits can still be high. It’s important to carefully review the fees and terms before using the service.

2. Dependence on Technology

Unemployment cash advance apps require a smartphone or computer and an internet connection, which can be a barrier for those who don’t have access to these resources. Many people still do not have mobile phones or the internet. 

3. Risk of Fraud

Scammers may create fake cash advance apps or try to trick users into giving away their personal information. It’s important to verify the legitimacy of the app before using it and to be cautious about sharing personal information. Make sure that you check the rating and reviews of the app before applying for a loan. 

4. Impact on Future Benefits

Taking a cash advance on unemployment benefits could reduce the number of benefits you receive in the future, as your weekly benefit amount may be adjusted to account for the advance.

5. Potential for Debt Cycle

If you repeatedly use unemployment cash advance apps, you could find yourself stuck in a cycle of debt that is difficult to break. If you are not able to manage the loan, you will need to take another loan to consolidate this debt, and it can throw you into an unending debt cycle.

Things to Consider While Getting a Loan from Cash Advance Apps

Are you wondering if can I get a cash advance on my unemployment? Well, yes you can. But here are some of the important things that you must consider before getting a loan from cash advance apps.

1. Interest Rates and Fees 

Cash advance apps often charge high-interest rates and fees, so make sure to carefully review the terms and conditions of the loan to understand the total cost of borrowing. Also, since you do not have a job right now, you must think twice before getting a loan 

2. Repayment Terms 

Check the repayment terms, including the due date and the amount you need to pay back. Make sure you understand the consequences of late or missed payments. Because if you aren’t able to repay the loan on time, you will have to pay a very high-interest rate along with the late fee. 

3. Security 

Look for a cash advance app that has robust security measures to protect your personal and financial information. Because most of the unemployment cash advance apps ask you to share your personal details and bank details and if those details go into the wrong hands, you might end up losing all the money that you have. 

4. Credibility and Customer Reviews 

Check the credibility of the cash advance app and read customer reviews to see what other users have experienced. This will allow you to know if the cash advance app you are planning to go for is trustworthy or not. 

5. Loan Amount 

Make sure that the loan amount you are requesting is within your means to repay, taking into consideration your other expenses and financial obligations. Because if the loan amount is too high, you would not be able to repay it on time. 

6. Alternatives

Consider other options for borrowing, such as traditional bank loans or credit cards, and compare the interest rates and fees. Traditional loan methods with a lower interest rate and high-security measures. 

7. Terms and Conditions

Read the terms and conditions of the cash advance app carefully to understand any potential risks and consequences associated with the loan. Because some cash advance apps might also come with hidden fees and charges. 

Alternatives for Unemployment Cash Advance Apps

Unemployment cash advance apps can be a big help in need but if you’re looking for alternatives to cash advance apps, here are a few options you might consider:

1. Secured Loans

Secured loans are loans that are backed by collateral, which is an asset that the borrower pledges as security for the loan. The collateral can be any valuable asset that the lender agrees to accept, such as a house, a car, or stocks and bonds. Secured loans are often easier to qualify for than unsecured loans because the lender has the security of the collateral to fall back on if the borrower fails to repay the loan. This makes secured loans a popular option for people with poor credit or limited credit history.

2. Government Assistance Programs

Government assistance programs are programs that provide financial, housing, or other forms of assistance to individuals or families in need. These programs are typically administered by federal or state governments, and eligibility requirements and benefits vary depending on the program.

3. Community Organizations

Community organizations are groups of individuals who come together to work on a common cause or issue affecting their community. These organizations can be non-profit or for-profit and can range in size from small grassroots groups to large established organizations. These organizations can provide food, shelter, and other forms of aid.

4. Freelancing or Part-time work

Freelancing or part-time work refers to work arrangements where an individual provides services to clients or employers on a project or hourly basis, rather than being employed full-time with a single company. These arrangements can provide flexibility and control over one’s work schedule, but they may also involve uncertainty in terms of income and benefits.

5. Social Security Benefits

Social Security benefits are a form of financial assistance provided by the U.S. government to eligible individuals who have reached retirement age or who have certain disabilities. The Social Security program is funded through payroll taxes paid by workers and their employers.

6. Credit Card Advances 

A credit card cash advance is a service provided by credit card companies that allow cardholders to withdraw cash against their available credit limit. Cash advances can be obtained at ATMs or bank branches, and the funds are usually transferred to the cardholder’s bank account or provided in the form of cash.

7. Unemployment Benefits 

Unemployment benefits are financial assistance provided by the government to individuals who have lost their jobs due to circumstances beyond their control. In the United States, these benefits are administered by the state and funded through payroll taxes paid by employers.

8. Disability Payments 

Disability payments are financial assistance provided to individuals who have a qualifying disability that prevents them from working. These payments are typically provided by the government and are designed to help disabled individuals meet basic needs and maintain a reasonable standard of living.

9. Child Support Payment 

Child support payments are financial payments made by a noncustodial parent to a custodial parent or legal guardian to help support their child’s needs. The purpose of child support payments is to ensure that children receive the financial support they need to maintain their standard of living, even after the parents are no longer living together.

10. Retirement Payment or Pension 

Getting retired loans may not be a good option for some retired people. So, retirement payments or a pension would be a better go-to option for them. Retirement payments or pensions are financial benefits paid to individuals who have retired from their job or career. These payments are intended to provide a source of income for retired individuals to support themselves during their retirement years.

Frequently Asked Questions (FAQs) 

Q1. Can I get a cash advance if I’m unemployed?

Yes. You can definitely get a cash advance, even if you do not have a job. There are several unemployment cash advance apps with unemployment benefits that will offer you loans up to $500. But in order to get a loan, you will need to meet the qualification criteria of the lender. 

Q2. Can unemployed people borrow money?

Definitely, unemployed people can borrow money. If you have a monthly income in the form of unemployment benefits, pension, child support, etc, then you can get a loan from a bank or credit union. If they deny your loan request, you can also go for unemployment cash advance apps. 

Q3. How do you get a free cash advance?

There are many cash advance apps that offer free cash advances to repeat borrowers who have a positive history of repaying their previous loans on time. 

Q4. Can I get an advance on my unemployment benefits? 

Yes. You can easily find many cash advance apps with unemployment benefits that will offer you loans even if you do not have a job but have a certain monthly income. 

Whether You Should Go for Unemployment Cash Advance Apps?

Unemployment cash advance apps can be really helpful if you don’t have a job and need some money urgently. However, since these loans come with high-interest rates and significant risks, you should only consider them if you are 100% certain that you can repay the loan on time. If you can manage the loan successfully, it can help improve your credit score, enabling you to obtain loans on better terms in the future.

It’s important to carefully consider all of these factors before deciding to take out a loan from a cash advance app. Remember that borrowing money always involves risks and consequences, so make sure you fully understand the terms and conditions before making a decision.