5 Best Cash Advance Apps That Don't Use Plaid: Your Privacy-Focused Options (2024)

In today's digital age, cash advance apps have become a popular solution for accessing funds quickly. However, many of these apps require users to link their bank accounts through Plaid, a third-party app that facilitates transactions.

While Plaid is widely used and trusted, some individuals may have concerns about sharing their financial information with a third party.

What Are The Best Cash Advance Apps That Don't Use Plaid?

When looking for cash advance apps that don't use Plaid, there aren't many options. However, the few available options should help you get financial convenience.

1. B9 Advance

B9 Advance is a membership-based cash advance app that allows you to access up to 100% of your paycheck instantly.

• The app offers different membership levels with varying fees, starting from $9.99 per month.
• B9 Advance allows you to connect to the app through Argyle Systems instead of Plaid, provided your employer uses Argyle to manage employee data.

2. CashMaster

• CashMaster is an app that offers various financial services, including cash advances or payday loans.
• You can receive a cash advance of $50 to $500 through the app without the need for Plaid.
• Alternatively, you can visit a CashMaster location in Tennessee or Alabama to receive a check advance in person.

3. Line

• Line is an app available for Android and Apple devices that allows users to access cash advances ranging from $20 to $1,000.
• Depending on your bank and account setup, Line may or may not use Plaid.
• Line offers different service plans with varying fees, starting from $1.97 per month.

4. DailyPay

• DailyPay is a cash advance app provided as a service by many employers, including Kroger, McDonald’s, and T-Mobile.
• Once you set up your account, you can access your pay in advance and have it sent to your bank account, debit card, or pre-paid card instantly.
• DailyPay does not mention Plaid in its privacy policy, and it offers additional tools to help you manage your money and build savings.

5. Dave

• Dave is an app that offers the Dave ExtraCash account, allowing you to access up to $500 in cash advances.
• Dave uses Plaid or Galileo to transfer information between the platform and your financial institution, but it is not necessarily dependent on Plaid.
• The app provides various options for receiving the funds, including instant deposits into your Dave Spending account or external bank accounts.

Conclusion

While Plaid is a widely used and trusted app for linking bank accounts to cash advance apps, some individuals may prefer alternatives that prioritize privacy. The cash advance apps mentioned above offer secure and convenient options without the need for Plaid. Whether you're looking for membership-based apps like B9 Advance or apps provided by employers like DailyPay, there are options available to suit your needs.