Since the COVID-19 pandemic, families are relying on delivery options, and a lot of workers are shifting to gig work. As a result, the number of rideshare and delivery drivers has skyrocketed.
As of 2025, Lyft has around 2 million active drivers in the USA. Uber claims to have about 7.8 million drivers, so a lot of American workers are using ride-hailing apps like Lyft or Uber. The demand for independent drivers in the rideshare industry is huge, and there’s a need for financing options.
Most rideshare drivers (like Lyft or Uber) don’t earn a steady income and employment benefits, which widens the financial gap. But what if you’re an Uber or Lyft driver and need an instant cash advance? Well, there are many apps that offer cash advances to Lyft drivers, even with bad credit. Join us to find out which Lyft cash advance app is for you.
10 Best Cash Advance Apps for Lyft Drivers in 2026
If you’re a Lyft driver, you may experience that getting a regular loan or cash advance can be very tough. However, there are still some options for Lyft drivers to obtain cash advances – which may work like a miracle in times of need. When searching for a cash advance to upgrade your old car or bike or consolidate your repair bills, it’s essential to know all the possible options. Here are some of the best cash advance apps we’d recommend for rideshare drivers (Lyft & Uber):
GigsCheck
GigsCheck offers $2,500 cash advances and $5,000 installment loans for rideshare drivers, especially Lyft drivers. The application is faster and funds available in 10 minutes* (as claimed by users), perfect for one-time emergencies. You can apply for a cash advance with no credit check, and GigsCheck reports to 3 major credit bureaus, so there’s a high chance of building credit if you pay on time. No credit check process and bad credit accepted at GigsCheck.
- No hard credit check
- No prepayment penalties
- Helps to build credit
- Does not disclose rates and fees before applying
- APRs could be on higher side
Giggle Finance
Giggle Finance offers $10,000 cash advances to rideshare drivers (Uber & Lyft), self-employed, independent contractors, small business owners and other gig workers. Both approval and funding are fast and done in minutes. Giggle has no credit requirements, so even gig workers with bad credit can apply and get money. However, the website doesn’t disclose rates and fees, and there are many negative reviews about it.
- No minimum credit score required
- Accepts rideshare drivers (Lyft)& other gig workers
- Approval and funding in minutes
- Poor customer reviews
- Not transparent about rates
- High rates and origination fee
Fundo
Fundo offers instant cash advances to rideshare drivers, including those from Lyft, as well as gig workers and independent contractors. You can borrow up to $10,000 with funding the same day after approval. No security is required, and discounts are available for early repayment, along with lenient eligibility criteria. However, customer reviews are mixed, with mostly complaints about high rates and additional processing fees.
- Same-day funding possible
- Cash advances up to $10,000
- Discounts for early repayment
- Factor rates as high as 3.5
- Mixed customer reviews
Varo
Varo is a top-rated banking app that gives cash advances to rideshare drivers (Lyft and Uber), gig workers and self-employed individuals. With the Varo app, you can borrow advances from $20 to $500 with no interest and no credit checks. You choose when you want to repay the advances within the 30-day timeframe. You can borrow $20 for free, but all cash advances of $50 and above have a fee based on the size of the advance. Typically, the fee is $4 to $15.
- Flexible repayment terms
- Has many other banking tools
- No monthly subscription
- All advances trigger a fee
- Requires direct deposit
- Transfer fees up to $40
Chime MyPay
Chime is a popular banking app that has introduced MyPay, a new feature offering cash advances of up to $500 to eligible users. To qualify for cash advances, you’ll need a Chime checking account to get funds. The money will be deposited into your account within two days at no additional charge. If you need instant funds, a $2 flat fee applies to your loan amount. As compared to other cash advance apps, Chime charges a low transfer fee.
- No interest, credit checks or mandatory fees
- Offers cash advances up to $500
- Free funds transfer within two days
- Not available in all states
- Must have qualifying deposits of at least $200
Current
The current app offers a $750 cash advance, which is more than what competitors offer. Like most cash advance apps, no monthly subscription is required. So, you save a lot of money compared to using multiple apps. Besides the advances, the Current app also offers other banking features, such as no credit check and no interest. However, customer reviews are unfavourable, and a checking account typically requires direct deposit.
- No monthly subscription fees
- Offers fee-free overdraft protection and other banking features
- Advances up to $750
- Requires direct deposit
- Mixed reviews
- Must receive at least $500 in eligible deposits
Empower
Empower is a top app that offers a $300 cash advance between paydays. You can get your advances instantly and for free when you accept them onto your Empower debit card. This app allows you to set your repayment date or reschedule it according to your financial situation, making it perfect for rideshare drivers (such as Uber and Lyft) with irregular income. But if you want to deposit funds to an external bank account, you have to pay a $8 fee for funding within one hour.
- $0 instant delivery to your Empower debit card
- Tipping is optional
- $300 maximum advance limit
- Instant delivery fee applies for external bank accounts
- $8 monthly subscription fee
Klover
Klover is a cash advance app that offers up to $200, but you can maximise it by watching ads, taking anonymous market research surveys, and scanning your receipts. You won’t pay interest, and the funds will be repaid to the Klover app on your next pay day. This app is good for those who don’t have a regular pay day or income. If you can wait 2-3 business days, your advance is free of charge. But if you need same-day clearance, you’ll need to pay an express fee to Klover.
- No membership fee required to access advances
- Earn points through the app to increase advance amounts
- Earn points through the app to increase advance amounts
- High same-day funding fee, up to $12.29 for $75 or more
- Uses your data for ad revenue
- Inflexible repayment date
Cleo
By using Cleo, you can borrow a $20-$70 cash advance if you haven’t established a strong payment history. After that, you can borrow up to $250. Cleo is a free budgeting app suitable for those who want to save money and manage their spending effectively. But if you’re going to get a cash advance, you’ll need to pay a $5.99 monthly subscription and an additional $3.99 to access same-day fund transfer. Cleo’s cash advance is interest-free and has no credit check.
- No interest on cash advances
- Tools to help you save money and build credit
- No credit check required
- $3.99 express transfer fee
- $5.99 monthly membership fee
- $5.99 monthly membership fee
Vola
Vola is a popular cash advance app that recently increased its advance limit to $500, making it a good option if you need a substantial amount. Vola never charges a transfer fee. They also have AI-based budgeting tools, a spending tracker and other financial tools and services. But Vola doesn’t disclose its subscription fee and has a longer cooling-off period between advances.
- Free fund transfers
- Advances up to $500
- Ability to change repayment date
- Not transparent about subscription fees
- Not transparent about subscription fees
- Five-day cooling-off period between advances
Alternatives To Cash Advance Apps for Lyft Drivers
Most cash advance apps allow new users to borrow small amounts of money. Other options, such as payday loans, are expensive, so it’s worth exploring alternative ways to borrow money for Uber and Lyft drivers.
- Credit card cash advance: If you have a credit card, you can obtain a cash advance by visiting a bank or ATM, with no approval process or waiting period. But high interest rates mean it’s an expensive way to borrow.
- Borrow from friends and family: Ask friends or family for a loan. This type of loan is offered at a lower or sometimes interest-free rate. Just remember to pay back on time, or it could ruin your relationship.
- Apply for a Payday Alternative Loan (PAL): Some credit unions offer PALs, which are small-dollar loans with better interest rates and longer terms. However, you must be a member of the union for at least a month to apply and borrow.
- Credit counselling: Many credit counselling agencies offer their services for free or at a low cost, helping rideshare drivers (such as Uber and Lyft) create an adequate budget. These agencies can help you find ways to avoid cash advance apps and loans that fit within your income.
