Best Cash Advance For Independent Contractors

Cleo

Cleo is a money management app that lets users effectively manage their money in a more fun way. It’s free and easy to use, but you must pay its monthly membership to get a cash advance feature.

Cleo offers free cash advances ranging from $20 to $250. It accepts gig workers, freelancers, and independent contractors. The good news is that borrowers can apply for cash advances without a credit check. You can apply for a new cash advance within 24 hours after paying your previous pending advance.

Ualett

Uallett is a dedicated mobile app for independent contractors and rideshare drivers with over 200,000 users. It allows you to apply for an instant cash advance without credit checks and undergoing complex paperwork within a few minutes.

You can download the app from the App Store or Google Play Store, create an account, and request a cash advance of up to $2,000. If approved, funds will be deposited into your account within 24 hours. Uallett helps individuals working in the gig economy and facing irregular income to maintain their cash flow smoothly.

Giggle Finance

Giggle is a unique platform dedicated to gig workers and providing transparent financing to independent contractors. You don’t need a credit score as a requirement to apply for a cash advance. You can borrow up to $5,000; the repayments are automatically deducted from your earnings.

The application process is easy, and if you’re approved, the money will be in your checking account within a few minutes. The only requirement is that you should be working for at least three months and afford to repay on the agreed date.

Klover

Klover, founded in 2019, is a financial app that provides instant and small cash advances without charging interest. Unlike other cash advance apps, Klover offers cash advances without credit checks and interest because it uses personal data to advertise and earn money.

You can borrow up to $250, even as an independent contractor or gig worker. Aside from cash advances, Klover also provides other financial tools that help you budget, track your spending, and stay on top of your finances.

GigsCheck

GigsCheck.com is no new name and offers instant cash advances of up to $2,500 for independent contractors and other hardworking gig workers. Aside from cash advances, they offer installment loans up to $5,000 and payday loans with bad credit and no credit checks.

You can apply 24/7 through its website-based application form, and there is no need to download the app. Once your loan is approved, your advance will be credited to your bank account within 10 minutes*.

Dave

Unlike other cash advance apps, Dave is unique as they don’t look into your income; instead, they link to your bank account to check how much advance you can afford. Typically, Dave offers you a cash advance of up to $500.

Dave did not require a credit check. For receiving funds, you have two options: either instantly transferred for a small fee, or if you can wait, then it takes a standard time of a few business days. Dave app doesn’t charge interest rates or late payments; you can choose repayment time, which is usually your next paycheck date.

Along with cash advances, Dave has a long list of available side hustles that gig workers love and help them when they avoid cash advances.

Cash App

By 2024, Cash App has over 57 million active users and had over 528 million transactions as of 2025. Luckily, the Cash App Borrow feature allows users, including gig workers and independent contractors, to instantly borrow cash advances from $20 to $200 within a few minutes.

Cash App includes a 5% fee for every time you borrow, but it doesn’t charge a monthly fee like other apps available. To boost your approval chances, you must secure a specific credit score and deposit at least $1000 into your Cash App wallet monthly.

Earnin

Earnin is a cash advance that allows independent contractors and other gig workers to instant access up to $150 per day from their earned income and up to $750 per pay cycle. Rideshare drivers need to submit their employment information and connect their bank account with the Earnin app to get verified.

There are no extra fees to use Earnin, and you’ll get paid even faster. However, rideshare drivers must pay extra to access their Lightning Speed feature, which promises a quicker turnaround. Earnin claimed to achieve $10 billion in members and over 125 million transactions with more than 2.5 million active users by 2025 year.

Brigit

Brigit supports independent contractors and other gig workers to access cash advances from $50 to $250, with a monthly subscription fee. Brigit app gives repayment flexibility by letting them extend their due payment date up to three times. It also offers credit-building and budgeting features to its users for a strong financial hold.

Your cash advance delivery takes 2-3 days, although you get faster payment with Brigit’s Premium subscription. Brigit has helped its more than 100,000 users and gig workers to cover their short-term cash flow challenges. Brigit will expect to generate revenues between $215 million and $230 million in 2025.

Fundo

Fundo is a platform that offers cash advances to independent contractors, gig workers, small businesses, freelancers, and self-employed up to $10,000. If you are eligible, you get funds as soon as the same day of application (fees applicable). With Fundo, you don’t need to pledge for a personal guarantee, and it offers discounts for early repayment.

Fundo is best for small businesses and individuals who do not qualify for traditional banking options or less expensive financing but can afford to repay the advance quickly.