Published costs by app
| App | Country | Product | Amount | Required costs | Optional or speed fees | Primary source |
|---|---|---|---|---|---|---|
| Bree | Canada | Cash advance (line of credit) | Up to $750 | No interest or mandatory fees | Optional tip; instant-transfer fee not stated on the page we checked | Bree — home page |
| Brigit | U.S. | Cash advance with subscription | $25–$500 (Maine $25–$250) | Free plan; Plus $8.99/month; Premium $15.99/month | Express Delivery fee on Plus; free on Premium | Brigit — Pricing |
| Chime MyPay | U.S. | Earned-wage style advance | Up to $750; limits of $20–$1,000 per pay period depending on eligibility | No interest; requires qualifying direct deposit; free if you wait up to 24 hours | Instant: 3% (minimum $2, maximum $5) | Chime — MyPay |
| Dave | U.S. | Cash advance (ExtraCash) with membership | $25–$500 | Membership up to $5/month; ExtraCash fee: the greater of $5 or 5% | Optional 1.5% fee to send to an external debit card | Dave — Membership and ExtraCash fees |
| EarnIn | U.S. | Earned-wage advance (Cash Out) | Up to $200 a day; up to $1,000 per pay period | No mandatory fees; free transfer in 1–3 business days | Lightning Speed $3.99; optional tips | EarnIn — Cash Out |
| easyfinancial | Canada | Instalment personal loan | $500–$20,000; terms from 9 months | APR 9.99%–35%; unsecured rates from 29.99%. Its example: $1,000 over 12 months at 29.99% is $125.09/month, $1,501.08 in total, including optional Loan Protection | Loan Protection is optional | easyfinancial — Personal loans |
| KOHO Cover | Canada | Cash advance (Cover bundle) | Up to $500 | From $2/month; 0% interest; no credit check | — | KOHO — Cover |
| MoneyLion Instacash | U.S. | Cash advance | Not listed on the pricing page we checked | $0 monthly fee; $0 interest | Turbo delivery 7.5% (max $14.99) to MoneyLion, 9% to an external account; optional tip | MoneyLion — Pricing |
| Upgrade | U.S. | Instalment personal loan | $1,000–$50,000; 24–84 months | APR 7.74%–35.99%; its example includes a 5% origination fee | — | Upgrade — Personal loans |
| Upstart | U.S. | Instalment personal loan | $1,000–$75,000; short-term loans $200–$2,500 over 3–18 months | APR 6.3%–35.99%. Its examples: $10,000 over 60 months at 19.08% with an $815 origination fee is 23.37% APR; $1,000 over 12 months with a $205 fee is 35.95% APR | — | Upstart — Personal loans |
Last checked Oct 2026. Amounts are in each app’s home currency (USD or CAD). Your price can differ with eligibility, province or state. AppLoans has no relationship with any provider listed.
How we chose these apps
We picked widely used examples of three product types: cash advances, earned-wage advances and online instalment loans. We only included a cost if the provider’s own page stated it. Where we could not confirm a figure, we left it out instead of estimating it.
How to compare them
- Add every required fee and the expected optional fees, such as instant transfers or tips.
- Compare the total dollars you repay with the cash you receive.
- Use APR to compare products of different lengths, with the APR calculator.
- Check the rules for your province or state.
Apps we left out
We also looked at other apps and lenders but could not confirm their current prices on their own pages, so they are not in the table.
Common questions
Is this a ranking of the best loan apps?
No. Apps are listed alphabetically. AppLoans has no affiliate, sponsored or advertising relationship with any of them, and being listed is not a recommendation.
Why does a cash advance with a small fee have a high APR?
APR spreads a fee over a year. A $3.99 fee on a $100 advance repaid in 14 days works out to about 104% APR. That is our calculation, using the method in the APR guide.
Where do these numbers come from?
Each row comes from the provider’s own pricing or product page, checked on October 24, 2026. Prices change, so check the app before you accept.