Compare top paycheck advance providers

LendingTree is a marketing platform and does not provide paycheck advance, earned wage access, or similar financial products. This page features independent third-party providers that may offer these products. LendingTree may receive compensation if you click through to or sign up with a provider. Product features, eligibility requirements, fees (if any), repayment terms, and availability are determined solely by the provider and may vary. Some providers may charge a monthly subscription or membership fee and/or an additional fee for expedited or same-day funding. Not all providers or products are available in every state. Consumers should review the provider's terms and disclosures before using any product.

How paycheck advances work

Paycheck advance providers can help you access a portion of your next paycheck early, before payday. You generally authorize the provider to withdraw the amount from your checking account on a scheduled repayment date. There are usually fees involved, such as for expedited funding or a required monthly subscription.

  1. 1.

    Request an advance online

    The paycheck advance provider will check your eligibility, which usually requires an active checking account with a history of regular direct deposits.

  2. 2.

    Connect your bank account

    You’ll need to link a checking account so the advance provider can deposit your advance and withdraw the amount from that account on the scheduled repayment date.

  3. 3.

    Get the cash you need

    Many paycheck advance providers offer “instant” or expedited payout options for an added fee. Some also charge a monthly subscription fee to use paycheck advance services.

Paycheck advance or personal loan— which one fits?

Paycheck advance

Best for: Smaller cash needs.

  • Can range from $10 to $750.
  • You’ll typically pay a one-time or monthly fee instead of interest.
  • Can provide quick cash for smaller unexpected expenses or bills.
  • Many paycheck advance providers don’t require a credit check.

Personal loan

Best for: Larger expenses

  • Typically range from $1,000 to $50,000.
  • You’ll pay interest until the loan is paid off. Your interest rate will depend on your credit score, among other factors.
  • Can help cover larger unexpected expenses, such as medical bills or home or auto repairs.
  • Lenders generally consider your credit score when you apply.
Learn More About Personal Loans (opens in a new tab)

What to know about paycheck advances

Paycheck advances can be a good option when you need funds before payday, but fees can add up if you use them regularly.

Typically not! Many paycheck advance providers won’t check your credit, so your credit score won’t be considered.

Many paycheck advance providers will withdraw the amount of the advance from your linked checking account on the scheduled repayment date.

Some providers offer paycheck advances as just one of their products or features and offer an overall subscription, while others may charge a monthly fee to use paycheck advances.

If you need your advance quickly, you’ll usually need to pay an expedited transfer fee. Some providers offer a free delivery option, which can take one to three business days, depending on the provider and your bank.