Non-Plaid Cash Advance Apps

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Many well-recognized finance applications like Venmo, Betterment, Chime, and Dave, are powered by Plaid. By securely encrypting and transmitting data, Plaid acts as an intermediary between banking and finance applications and their users.

However, if you are seeking cash advance apps without sharing your data with Plaid, the following apps might be what you need.

Alternatives to Cash Advance Apps with No Plaid

Discover more about cash advance apps that avoid using Plaid in the following sections.

1. B9 Advance: Cash Advance Without Plaid

• Advance range: Up to $750
• Direct deposit required: Yes
• Uses Plaid? No, for advances
• Fees: Monthly subscription up to $19.99, waived with $5,000 monthly deposit
• Funding speed: Managed by B9
• Best for: Individuals with steady income willing to deposit paychecks via B9
• Limitations: Newcomers start with a lower advance

To make the most of B9’s services, ensure your checking account can receive your paycheck directly. While B9 works with Plaid, the advance feature does not require it; you simply need to set up B9 for payroll deposits.

2. CashMaster: Easy Cash Advances Without Plaid

• Advance range: Up to $500
• Direct deposit required: No
• Uses Plaid? No
• Fees: Not disclosed
• Funding speed: Typically within one day
• Best for: Those with less-than-perfect credit

CashMaster is available for swift cash advances ranging from $50 to $500. To obtain a loan, you will need to present a photo ID, recent bank statement, proof of income, and your social security number. CashMaster operates through multiple locations in Tennessee and Alabama.

3. Beem (Formerly Line): Get a Advance Without Plaid

• Advance range: Up to $1,000
• Direct deposit required: No
• Uses Plaid? No
• Fees: Annual fee of $99.99 for full advance
• Funding speed: Within a few hours
• Best for: Users looking to utilize the full spectrum of Beem’s features

Limitations: The annual fee is necessary for access to the complete advance offering.

4. DailyPay: Access Your Income on Demand Without Plaid

• Advance range: Based on earned income, up to $1,000 daily
• Direct deposit required: Yes
• Uses Plaid? No
• Fees: Applicable for instant transfers
• Funding speed: Instant or next-day availability
• Best for: Anyone with consistent income

Limitations: Only quick access to earnings already acquired from your employment.

After setting up your account, you can instantly transfer your pre-earned pay to your bank account, debit card, or prepaid card for a nominal fee or receive it the next day free of charge.

Dave: Optional Usage of Plaid

• Advance range: Up to $500
• Direct deposit required: No
• Uses Plaid? Optionally
• Fees: $5 membership fee, overdraft fees, transfer fees
• Funding speed: Quick approval within five minutes
• Best for: Individuals desiring comprehensive membership perks

Limitations: Not all users qualify for the maximum advance.

Dave requires the use of its own checking service, eliminating the need for syncing with Plaid.

Evaluating Plaid’s Reliability

A class action revealed some questionable practices by Plaid in connecting users’ account details to services, according to Fox29. Accusations centered around excessive data acquisition and unauthorized credential collection. The lawsuit was resolved before Plaid’s merger with Visa, which is a commendable and secure network.

Conclusion

B9, Dave, and Beem cater to those eager for a membership-rich financial experience, inclusive of cash advances and more. When prioritizing affordability, DailyPay and CashMaster offer fee-free options for temporary financing needs.