Looking for apps that loan you money instantly without a job? Stick around as we'll share with you the best options you can find out there.
Before the digital era, you'd typically have to visit financial institutions to apply for a loan—and for most, some strict conditions are always applied.
In fact, talking of conditions, most (if not all) financial institutions would only give loans to the employed—leaving a considerable part of the population, who are unemployed stranded.
According to the Bureau of Labor Statistics, over 3.6% of the U.S. population was unemployed in February 2026.
Many factors account for these unemployment statistics, including the COVID-19 pandemic—which left many unemployed for a considerable amount of time.
Thankfully, modern technology has brought a lot of amazing features to mobile phones, including the introduction of many financial apps that help us maintain healthy finances from the comfort of our homes.
Since the introduction of cash advance apps in the financial industry, it has been even easier and more convenient for people (including the unemployed) to apply and get approved for loans.
With that said, there's a plethora of unemployment cash advance apps that will loan you money instantly without a job—wondering which? Keep reading.
To help you out, we've done thorough research and compiled the best apps that loan you money instantly without a job.
Table of Contents
What are Unemployment Cash Advance Apps?
Unemployment cash advance apps are simply those financial apps that loan money to users regardless of whether they have a job or not.
Based on the fees, repayment terms, and eligibility, unemployment cash advance apps might differ from each other.
Also Read: Top 5 Best Cash Advance Apps That Don't Use Plaid
5 Best Apps That Loan You Money Instantly Without A Job
The best apps that loan you money instantly without a job are not only those apps that do not require income proof but also have convenient terms, fees, and eligibility requirements.
With that said, the best apps that loan you money instantly without a job are as follows:
- FloatMe—Overall Best Unemployment Cash Advance App.
- SoFi—Best For Personal Loans.
- SoLo Funds—Best No-Fee Unemployment Cash Advance App.
- Chime SpotMe—Best For Covering Overdraft Balances.
- Varo Advance—Best For Covering Overdraft Balances.
1. FloatMe
FloatMe is one of the best unemployment cash advance apps that loan you money instantly without a job.
In a nutshell, FloatMe is a lender that offers people the possibility to get paycheck advances, which will be covered or repaid with their upcoming payment without interest.
The idea in the name FloatMe is that they offer people a little "float" of $50 to help them cover unexpected bills and little payments that matter to them.
While FloatMe does not require you to show income proof, you'll be required, however, to have a linked bank account that has received at least three direct deposits of at least $200.
What's great with FloatMe is that you can get the cash advance instantly—however, you'll be required to pay a "rush fee" of $4.
There's also a monthly fee of $1.99 involved with using FloatMe.
Yeah, I know, FloatMe probably sucks, especially with its requirements. But considering the few options available in the market, you'd want to consider FloatMe as an option when it comes to apps that loan you money instantly without a job.
2. SoFi
If you're looking for a personal loan to kick off a new business or job, then SoFi is the app you need.
SoFi is an American online personal finance company and online bank that offers financial products, including student and auto loan refinancing, mortgages, personal loans, credit cards, and investing.
SoFi loans range anywhere from $50 – $5,000—and you might be required to provide proof of job to qualify for higher loan amounts.
Unlike some of the apps that loan you money instantly without a job that you'll find on this list, SoFi requires a credit score of at least 680 to offer you a loan.
This can be an unwilling choice for those with poor credit scores. You'd want to consider the other options on this list if your credit score doesn't meet the minimum score.
However, there are no fees associated with using SoFi.
3. SoLo Funds
SoLo Funds is another great unemployment cash advance app that lets you get loans without forcefully being employed.
In a nutshell, SoLo Funds is a P2P lending platform that allows people to borrow money without having to worry about subscriptions or monthly fees.
SoLo lets you borrow as little as $20, and you'll be eligible to borrow up to $100 when you first create your account. In the long run, if you repay the loan on time, you'll have higher odds of being eligible for a maximum loan amount of $575 on the platform.
SoLo Funds is without a doubt an app that loans you money instantly without a job that the unemployed would certainly love.
4. Chime SpotMe
Chime SpotMe is a great unemployment cash advance feature of Chime that most people looking for overdraft protection would love.
Chime is a fintech company that offers financial services, including free online bank accounts with debit cards, and fee-free overdraft protection through a feature known as Chime SpotMe.
With that said, Chime SpotMe is a fee-free service that allows eligible Chime checking account holders with an active debit card to overdraw funds from their Chime checking accounts to cover their expenses.
Over the years, Chime SpotMe has offered a great way to borrow money from Chime offers overdraft protection of up to $200, which can only be used to cover overdraft balances in your Chime checking account.
Additionally, there are no known fees associated with using Chime SpotMe and proof of job is not required to get approved for SpotMe—making Chime SpotMe a great app that loan you money instantly without a job you'd definitely want to consider.
Also Read: Cash Advance Apps That Work With Chime
5. Varo Advance
Varo Advance is probably popular among most Varo Bank customers.
Varo Advance is an unemployment cash advance feature of one of the most popular online banks in the United States, Varo Bank.
Varo Bank offers online (call it digital) financial services and products including instant bank accounts with virtual debit cards, and loans through its cash advance feature "Varo Advance." which lets eligible customers borrow money from Varo.
With that said, you can get a cash advance of up to $250 with Varo Advance—however, there are some requirements to meet in order to qualify for Varo Advance, which includes:
- An active Varo debit card.
- A Varo bank account of at least 30 days old with an available balance equal to or greater than $0.00.
- Must receive at least $1,000 in total qualifying direct deposits to either your Varo Bank Account or Savings Account, or both combined, within the last 31 calendar days.
If you qualify for a Varo Advance, you'll begin to receive $20 daily each time you tap on Varo Advance in the Varo app.
Varo Advance is a great option to take. However, I'll recommend it for those who have an account with Varo Bank.
Also Read: Cash Advance Apps That Work With Varo
Best $100 Loan Instant Apps No Credit Check
A credit check isn't mandatory for getting a loan nowadays, and a plethora of financial apps out there offer instant loans of up to $100 without a credit check.
Some $100 loan instant apps no credit check include:
- SoLo Funds.
- Brigit.
- Chime.
- Varo.
- Dave.
- Earnin.
- Empower.
- MoneyLion.
Best $50 Loan Instant No Credit Check
There are a lot of financial institutions that make it easier to get instant loans of $50 without a credit check, some of which include:
- Green Dollar Loans.
- Big Buck Loans.
- Low Credit Finance.
- Viva Payday Loans.
- Heart Paydays.
Alternatively, you can try some $50 loan instant apps no credit check, which include:
- FloatMe.
- Cleo.
- Albert.
- Chime.
- Brigit.
- Dave.
- PaydaySay.
- Earnin.
- MoneyLion.
$50 Loan Instant App Without Bank Account
Most (if not all) instant loan apps would basically require you to have a bank account where the funds would be deposited.
However, if you don't have a bank account, you can get an instant loan of at least $50 from CheckMaster at any of its nearby locations.
Frequently Asked Questions
What app can I borrow money from immediately?
FloatMe lets you borrow money immediately for a rush fee of $4. Others on this list such as Chime SpotMe, SoFi, and Varo Advance, might also loan you money instantly, but only if you provide what's required in time.
What app will give me $100 instantly?
SoLo Funds will let you borrow up to $100 when you first create your account. You can qualify for higher amounts of up to $200 and $250 through apps like Chime SpotMe and Varo Advance, respectively.
What app gives you $250?
Varo Advance is a borrowing feature of Varo Bank that lets eligible customers get overdraft advance of up to $250.
Final Thoughts
Nowadays, getting a loan without employment proof isn't always easy.
Thankfully, there are some financial apps (unemployment cash advance apps) that offer people loans without requiring them to show proof of income or a job.
This guide compiles our review of the best apps that loan you money instantly without a job.
While some of these apps seem appealing at a glance, I recommend going through their loan terms and fees thoroughly before making a final decision.
And of course, we'll always update this guide whenever we get something new on these or more similar apps.