How to get a cash advance with no credit check

Explore the best options for a no-credit-check cash advance, from apps like Dave to PALs and pawn shop loans.

Illustration by Febrina Tiara

By Hayu Andini and Yuni Utomo

Getting fast cash when you're short on funds can be difficult, especially if you have a low credit score or want to avoid a hard inquiry on your report. Many traditional lenders require credit checks that can lead to denials or reduced loan limits. Fortunately, if you're searching for how to get a cash advance with no credit check, there are modern alternatives that provide access to funds without the hassle of conventional credit evaluations.

From user-friendly apps to community-focused credit unions and even pawn shop solutions, several methods exist to borrow money quickly without impacting your credit. This guide explores the best strategies to help you secure a cash advance with no credit check, while examining their eligibility criteria, costs, and benefits.

Use cash advance apps for quick and easy funds

One of the fastest and most accessible ways to get a cash advance with no credit check is through cash advance apps like Dave. These apps are designed for people who need emergency cash but don’t want to go through the traditional credit system.

How the Dave app works

Dave allows eligible users to borrow up to $500 through its ExtraCash™ feature without performing a credit check. Once you install the app on iOS or Android, sign up, and link your bank account, Dave evaluates your eligibility based on several non-credit-score criteria. These include income consistency, spending habits, and a positive balance.

To check your eligibility, tap the ExtraCash™ section. If approved, you can choose to send the cash to your external bank account (free, but takes up to three business days), your Dave Spending account (3% fee with instant access), or your debit card (5% fee, ready in an hour).

Dave doesn’t charge interest or late fees, making it a predictable and transparent option for short-term borrowing. Although it’s not a bank, Dave partners with Evolve Bank & Trust (Member FDIC) to provide its services.

Eligibility factors for cash advance apps

Even though these apps avoid credit checks, they still require users to meet specific conditions. In the case of Dave, to qualify for an advance, users typically need:

• A minimum of three recurring deposits,
• At least $1,000 in monthly deposits,
• A consistent income history of 60 days or more,
• Healthy financial behaviors like avoiding overdrafts.

Each app differs, so reading their terms before applying is key.

Use a credit card cash advance—no credit check needed

If you already have a credit card, you may be able to use it to get a cash advance, and you won’t face a new credit check because you’re using existing credit.

How much you can withdraw

Most credit cards allow only a portion of your total credit limit to be used for cash advances—typically between 20% to 30%. That means you’ll need a relatively high limit (for example, $2,500) to access a useful cash advance ($500 to $750).

You can get the advance from an ATM using your card PIN or by visiting your bank. However, be aware of up-front fees, usually 3% to 5% of the total amount, and possible ATM charges.

Cash advance interest rates

Cash advances typically have higher interest rates than regular credit card purchases. The average is about 25%, with some reaching 36%. Interest accrues immediately—there’s no grace period—so it’s best to repay these advances as soon as possible.

Transactions that may count as cash advances

Some transactions might be treated as cash advances, including:

• Peer-to-peer payments (e.g., PayPal, Venmo),
• Bill payments,
• Wire transfers,
• Lottery tickets,
• Gambling,
• Traveler's checks,
• Foreign currency purchases.

Always consult your card issuer to understand what counts as a cash advance under their terms.

Consider Payday Alternative Loans from credit unions

Another option to get a cash advance with no credit check is a Payday Alternative Loan (PAL) from a credit union. These loans are federally regulated, safer than payday loans, and have capped fees and interest rates.

Benefits of PALs

PALs have a maximum interest rate of 28% and application fees are limited to $20. They’re also structured as installment loans, making repayment more manageable.

There are two types:

• PAL I: Requires at least one month of credit union membership. Borrow $200 to $1,000, repay in 1–6 months.
• PAL II: No membership waiting period. Borrow up to $2,000, repay in 1–12 months.

Some credit unions don’t require a credit check for PALs, but they often need proof of income or banking history to ensure you can repay the loan. If you're already a member in good standing, approval is more likely.

To find credit unions offering PALs, use the National Credit Union Administration’s search tool and check the “Payday Alternative Loans” option.

Pawn shop loans: quick but costly

If you're looking for a fast loan without a credit check, a pawn shop loan is an option—though it comes with higher costs.

How pawn shop loans work

You bring in a valuable item, such as electronics, jewelry, or collectibles. The shop evaluates its resale value and offers a loan of around 25% to 60% of that amount. For instance, to get $500, your item needs to be worth between $840 and $2,000.

Loans usually last 30 to 60 days. If you repay the amount (plus interest and fees), you reclaim your item. If not, the shop sells it. Interest rates average around 200% annually, making them expensive—but still cheaper than payday loans.

Requirements

• Must be at least 18 years old,
• Valid government-issued ID,
• Proof of ownership (especially for high-value items).

Pawn shop loans may be viable when other options are unavailable, but use caution due to high fees and the risk of losing your property.

Payday loans: easy access but extremely high interest

Payday loans are available both in-store and online and don’t require credit checks. However, they often come with very high fees and interest rates—sometimes up to 400% APR.

How payday loans work

You’ll need to provide:

• Proof of income,
• Checking account details,
• Permission for the lender to withdraw funds on your next payday.

The typical loan amount is $500 or less, and the loan is due in full within two to four weeks. For example, a $100 payday loan with a $15 fee equates to nearly 400% APR.

Risks of payday loans

These loans are notorious for trapping borrowers in a cycle of debt. If you can’t repay on time, you may roll over the loan, incurring more fees and interest. While they offer immediate access to cash, payday loans should be your last resort.

Choose the right option for your situation

When considering how to get a cash advance with no credit check, weigh the costs, speed, and risk of each option. Apps like Dave are ideal for small, short-term needs. Credit cards offer convenience but with high interest. PALs from credit unions provide a more structured, lower-risk alternative. Pawn shop loans and payday lenders are best reserved for emergencies when all other avenues are closed.

Understanding each option’s pros and cons empowers you to make the right financial decision—without compromising your credit score.

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