How To Borrow $200 Instantly (Or Even More!)

Emergencies happen. And sometimes, you need a windfall of cash to cover bills or random expenses.

And if you’re looking to borrow $200 instantly and can’t get a loan from family or friends, the good news is that there are other solutions out there.

In fact, leading cash advance apps can help you get money quickly to hold yourself over until your next payday. And there are tons of other fast-funding options out there too that I'll explore.

The Best $200 Cash Advance Apps To Borrow Money Instantly

Table of Contents

1. EarnIn

EarnIn is our number one pick if you're looking for a $200 cash advance app. And that's because it lets you borrow $100 per day – up to $750 – against an upcoming paycheck.

This kind of money is incredibly helpful if you need to pay rent tomorrow or other bills. And the best part is that EarnIn doesn't have any credit check, interest charges, or mandatory fees.

To make money, Earnin asks users to tip to cover loan costs. There is also no monthly subscription fee which earns this lender a top spot on this list.

Regular EarnIn cash advances take 1 to 2 business days to process without charging extra fees. If you want instant money, you will want to pay the Lightning Speed $3.99 fee to get your money the same day.

Get started with EarnIn or read our post – is EarnIn legit? – for all the details.

2. Super.com

Super.com is an all-in-one app that can help supercharge your finances by getting you the money that you need and more.

For starters, Super lets you take out cash advances between $20 to $250. There's no credit check requirement or interest fees either, like with EarnIn.

Super has tons of other features to help you earn and save more money. There's cash-back deals, coupons, travel discounts, paid surveys, and even cash gaming offers. And there's also a secured credit card to help you build your credit.

Just note that most of these features require a Super+ membership, which costs $15 per month. But there's a free trial to test it out. Plus, you can easily cover your membership cost with all of Super's earning options.

Get started with Super or read our Super.com review.

3. Current

Another $200 cash advance app that ranks high on our list is Current.

Current is a digital banking solution that is packed with features. For starters, you get a fee-free checking and savings account that pays 4% APY on up to $6,000. Not a bad way to make passive income!

Current now lets members borrow money as well. It offers cash advances between $50 to $500. Like other $200 loan apps on this list, how much you can borrow depends on factors like your weekly income and payment history, so keep this in mind.

Current advances arrive within 1 to 3 business days. You can also pay a variable fee to get paid quickly.

If you're looking for a new low-fee banking solution, Current is definitely worth checking out. And right now, new members can also enjoy a $50 sign up bonus when they sign up and set up qualifying direct deposits.

Get started with Current or read our Current bank review for all the details.

4. Dave

If you're still wondering where to borrow $200, you can always try out Dave.

This is another popular advance app where you can borrow up to $500 against an upcoming paycheck. There's no credit check requirement or interest fees either. And Dave just charges a low $1 monthly membership fee.

Like most $200 borrowing apps, you need to have regular paychecks coming in to qualify. But if you qualify, advances from Dave generally arrive within 1 to 2 business days.

We also like Dave because it has other cool tools. For example, it helps you find new side hustles like online jobs, part-time gigs, cash surveys, and much more. The app also has some nifty budgeting tools and an interest-earning account.

Get started with Dave or read our post – is Dave legit? – to get the full scoop.

5. Cleo

Most apps to borrow $200 have some pretty strict income requirements. But this is where Cleo – an AI powered budgeting and cash advance app, is different.

With Cleo, members can advance anywhere from $20 to $250 based on how much they qualify for. And advances usually arrive in 3 to 4 business days unless you pay a small express fee.

But what makes Cleo unique is that it accepts more irregular income, like gig economy work or freelancer income. So, this is our top app if you're not fully employed right now.

Cleo also has tons of other great features. For example, its AI-powered assistant can give you budgeting advice or even roast your spending habits.

Just note that you need to upgrade to Cleo Plus, which costs $5.99 per month, to access cash advances. However, this is a pretty average fee for the industry. And we like that Cleo has more lenient advance requirements.

Get started with Cleo or read our Cleo app review!

👉 How To Get $500 By Tomorrow.

6. Brigit

Backed by several celebrities including Ashton Kutcher, Brigit offers access to cash advances up to $250 with no interest, credit check, or late fees.

Brigit has two plans for users. The free plan includes financial alerts and some great tools to help you budget. But you need to upgrade to Brigit Plus to borrow money.

The Bridget Plus plan is $8.99 each month and gives you access to borrow cash and some other credit building tools. A premium plan with free Express Delivery of funds and credit building tools is also available.

Users that want to make more money will find a great side hustle area on Brigit to help you find gigs to earn more money. You can also play games for money, take surveys and find more ways to earn.

Try out Brigit today or read our Brigit app review to learn more.

7. MoneyLion

MoneyLion is an all-in-one financial platform that lets its members spend, save, invest, and borrow money with tailored offers to suit their needs.

It's also an effective way to borrow $200 instantly or much more. That's because with MoneyLion Instacash, you can borrow up to $500. There's no credit check, interest, or mandatory fees. You receive your cash in 1 to 5 business days or simply pay a small Turbo fee to receive your money in minutes.

MoneyLion has tons of other features and perks too. You can use to to begin investing, and it also has a loan marketplace to help you find additional borrowing options. There's also a banking solution to help you spend and save your money.

If you're just after cash advances, we think something like EarnIn is the better choice. But MoneyLion could be a great fit if you want an all-in-one financial solution where you can also borrow $200.

💵 How To Borrow $500 Instantly.

8. Empower

One more app to borrow $200 you can try is Empower.

This is another advancing app that lets members borrow $10 to $300. Like similar apps, how much you can borrow depends on factors like your previous paycheck history and monthly income.

Empower offers a 14 day free trial and then charges $8 per month after the trial ends. While there are no fees for their cash advance service, the app asks for optional tips. There is also an Instant Delivery fee if you select that option for payment.

💵 The 20+ Best Free Apps Paying Real Money Fast.

Other Options To Borrow $200 Dollars Instantly

The above apps to borrow $200 instantly are a great starting point when you're in a pinch. But there are plenty of other places to get a $200 loan, including:

Asking family or friends to borrow the money
Using a Buy-Now-Pay-Later (BNPL) solution like Klarna or Affirm
Using your credit card
Doing quick cash gigs to make the money
Taking out a personal loan with a company like Possible Finance
Selling your unused stuff or pawning stuff for cash
Dipping into your emergency fund

At WebMonkey, we're big fans of starting side hustles or turning to alternative solutions to borrowing. And we also suggest steering clear of very expensive lending options like payday loans or high-interest credit cards.

👉 The Best Daily Pay Side Hustles.

Final Thoughts

I hope this guide on how to borrow $200 instantly helps you smooth out your finances until payday.

With all of these apps, it's important to remember you don't always qualify for the full borrowing amount. Additionally, always check fees and potential charges before deciding to borrow.

And remember: you can always try earning money online or starting new side hustles to make ends meet. If you need some help getting started, check out our side hustle database for some inspiration!

Want even more ideas for fast cash? Checkout:

EarnIn Disclaimers:

1: EarnIn is a financial technology company, not a bank. EarnIn services may not be available in all states. Bank products are issued by Evolve Bank & Trust, Member FDIC.

2: Subject to your available earnings, Daily Max and Pay Period Max. Restrictions and/or third party fees may apply, see EarnIn.com/TOS for details.

3: EarnIn does not charge interest on Cash Outs. EarnIn does not charge membership fees for use of its services. Restrictions and/or third party fees may apply, see EarnIn.com/TOS for details.

4: Fees apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank. Restrictions and/or third party fees may apply, see Cash Out User Agreement for details.

8 Best Cash Advance Apps To Borrow $200 Instantly