Cash advance apps can be a convenient and quick way to access the funds you need to cover unexpected expenses or make ends meet. However, some cash advance apps require you to connect your bank account through Plaid, a third-party service that verifies your financial information. If you’re uncomfortable with using Plaid, or if your bank doesn’t support it, there are still plenty of cash advance apps that don’t require it. In this article, we’ll explore the top cash advance apps that don’t use Plaid.
Earnin’
Earnin is a popular cash advance app that allows you to access up to $100 per day from your paycheck before payday. The app doesn’t require you to connect your bank account through Plaid. Instead, it uses your GPS location to verify that you’re at work before it approves your request. There are no fees for using Earnin, but the app does ask for a “tip” of up to $14 per transaction.
Brigit
Brigit is another cash advance app that doesn’t require Plaid. The app offers up to $250 in cash advances to help you cover unexpected expenses between paychecks. Brigit connects to your bank account to monitor your spending and provide you with financial insights. The app does charge a $9.99 monthly membership fee, but it can be waived if you refer friends to the app.
Dave
Dave is a cash advance app that offers up to $100 in interest-free cash advances to help you avoid overdraft fees. The app doesn’t require you to connect your bank account through Plaid, but it does ask for permission to access your transaction history. Dave charges a $1 monthly membership fee, but it can be waived if you sign up for Dave’s “Side Hustle” program.
MoneyLion
MoneyLion is a cash advance app that offers up to $250 in interest-free cash advances to help you cover unexpected expenses. The app doesn’t require you to connect your bank account through Plaid, but it does ask for permission to access your transaction history. MoneyLion also offers a range of other financial services, including credit monitoring and investment accounts.
Chime
Chime is a banking app that offers a range of financial services, including cash advances. The app doesn’t require you to connect your bank account through Plaid, but it does require you to have a Chime Spending Account. Chime offers up to $200 in cash advances, which are deducted from your next deposit. There are no fees for using Chime, but the app does charge a $2.50 fee for out-of-network ATM withdrawals.
FAQ
Can I use Cash App without Plaid?
No, Cash App requires you to connect your bank account through Plaid to use the app and transfer funds.
How do you bypass Plaid?
There is no guaranteed way to bypass Plaid, as it is a third-party service used by many financial apps to verify your bank account information. However, some financial apps may offer alternative verification methods or may not require you to use Plaid.
What banks do not use Plaid?
The list of banks that do not use Plaid may change over time. However, as of September 2021, some of the banks that do not use Plaid include Ally Bank, Capital One, and PNC Bank.
What cash advance apps use Plaid?
Many cash advance apps use Plaid as a third-party service to verify your bank account information. Some examples of cash advance apps that use Plaid include Cash App, PayPal, Venmo, and Square.
Conclusion
If you’re uncomfortable with using Plaid or if your bank doesn’t support it, there are still plenty of cash advance apps that don’t require it. The top cash advance apps that don’t use Plaid include Earnin, Brigit, Dave, MoneyLion, and Chime. Each of these apps offers different features and benefits, so it’s important to choose the one that best fits your needs and financial situation.
