Best Instant Cash Advance Loans Online for Bad Credit of February 2024

Ray Prince
Last Update: October 18, 2023 Loans

Over the past decade, traditional cash advances for bad credit with 400% APRs have gone by the wayside, sparked by an onslaught of new 0% interest cash advance apps and sub 35.99% APR personal loans for bad credit from reputable lending networks like Money Mutual and FundsJoy. If you have bad credit and are looking for an instant cash advance loan, you have come to the right place.

Have you previously taken out traditional cash advances you immediately regret? If so, you will definitely benefit from the loans listed below.

Review our marketplace to find the best instant cash advance loans online for bad credit of February 2024.

Best Instant Cash Advance Loans Online for Bad Credit of February 2024: Key Findings

The best instant cash advance loans are short-term loans starting at $100 with APRs up to 35.99%, repaid within two to four weeks, although longer repayment terms are possible.

Online cash advances from MoneyMutual and other top lending networks offer more favorable rates and terms than traditional cash advance options with 400% APRs and excessive fees.

Most top instant cash advance companies offer same day approval and next business day funding as long as your loan request is submitted by a daily 5 pm cutoff.

You can get a loan with bad credit but expect higher interest rates and fees.

You must earn at least $800 a month or demonstrate proof of employment (direct deposit-collecting bank account) to use cash advance apps like Earnin and Brigit to access instant cash advance loans.

Best Instant Cash Advance Loans for Bad Credit of February 2024

Lender:Loan Amount:APR:Min. Credit Score:Best For:
MoneyMutual$200 – $5,000Up to 35.99%0Fast funding
ZippyLoan$100 – $15,00012% — 35.99%0Limited Credit History
FundsJoy$200 – $5,0005.99% — 35.99%0Bad credit loans
Upstart $1,000 – $50,0004.6% – 35.99%300Fair credit
Upgrade$1,000 – $50,0008.49% – 35.99%560Fair credit
SoFi$5,000 – $100,0005.74% — 20.28%680Good credit, good income, stable credit history
First Tech Federal Credit Union$500 — $50,0006.7% — 18%660Best credit union for bad credit loan repayment length
BrigitUp to $2500%0Best cash advance app for bad credit and same day funding

Why Should You Trust ElitePersonalFinance’s Guides?

For over ten years, ElitePersonalFinance has advised consumers on how to make the best financial decisions on various loan products and services, including instant cash advance loans online for bad credit.

All of our recommendations come after hours and hours of meticulous research. For every guide, we evaluate more than 20 direct lenders, cash advance apps, and online marketplaces, grading them on several key criteria, such as APRs, repayment terms, and other metrics with the goal of narrowing our options down to a few select highly rated providers.

Whether looking for a small business loan or a quick $300 emergency cash loan, ElitePersonalFinance offers expert guidance and an acute eye on reputable direct lenders with safe business practices and favorable rates/terms. Have all the confidence that ElitePersonalFinance will steer you toward your next legit funding opportunity.