If you have an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number (SSN), getting early access to your pay is harder than it needs to be. Most mainstream cash advance apps ask for an SSN at signup and reject ITIN holders before they even see the product.
This guide tells you exactly which apps accept ITIN — verified against official terms and conditions — and which ones don’t, so you don’t waste time on apps that will turn you away.
What Is an ITIN and Who Has One?
An ITIN (Individual Taxpayer Identification Number) is a nine-digit tax processing number issued by the IRS to people who need to file U.S. taxes but cannot get a Social Security Number. ITINs always begin with the digit 9.
ITIN holders typically include:
Immigrants and non-resident aliens with U.S. income
Undocumented workers who pay federal taxes
Visa holders not eligible for an SSN
Spouses and dependents of U.S. residents
DACA recipients in some circumstances
Having an ITIN means you have verifiable U.S. income and pay taxes — the same basis that most cash advance apps use to determine eligibility. The obstacle is technical, not financial.
Why Most Cash Advance Apps Block ITIN Holders
Cash advance and banking apps are required by federal law to verify your identity before opening an account (Know Your Customer rules). Most apps do this by running your SSN through identity databases like Chexsystems or Socure, which cross-reference your name, date of birth, and SSN against banking and credit records.
Without an SSN, that lookup fails at the system level. That’s why even apps that have nothing against ITIN holders often can’t serve them — their identity verification infrastructure is built for SSN only. Building an ITIN-compatible verification flow requires deliberate effort.
Apps Compared: ITIN Accepted or Not?
Every entry below is verified against official terms of service, help documentation, or cardholder agreements. We do not rely on third-party reviews or user reports for these determinations.
✅ B9 — Accepts ITIN
Verdict: ITIN accepted for account opening and B9 Advance
B9 explicitly accepts both SSN and ITIN to open an account and access earned wage advances. This is documented in B9’s official eligibility requirements.
How it works: B9 is an Earned Wage Access (EWA) app. A B9 Advance gives you early access to wages you’ve already earned — it is not a consumer loan as defined by the Truth in Lending Act, carries no interest, and has no late fees. Repayment is automatic from your next deposit.
Key facts (verified against B9 Membership terms and Eligibility article):
| Basic ($5.99/mo) | Premium ($19.99/mo) | |
|---|---|---|
| Advance range | $10–$100 | $10–$1,000 |
| First 30 days | Free | — |
| Credit check | None | None |
| ITIN accepted | ✅ Yes | ✅ Yes |
- Qualifying income: W-2 payroll, gig work, part-time income, and benefits such as SSI
- Minimum deposit: $100 in payroll or benefits within the last 14 days
- Membership fee waived if you deposit $5,000+/month — see all plan details
- Not available in: Nevada, South Carolina, Wisconsin, Maryland, Kansas, Indiana
- Limited to $750 in: Connecticut
- Banking services: Evolve Bank & Trust, Member FDIC
- B9 Visa® Debit Card included — no minimum balance, no overdraft fees
Sources: B9 Eligibility Requirements, B9 Membership
❌ EarnIn — Requires SSN
Verdict: SSN required, no documented ITIN pathway
EarnIn’s own Help Center confirms that users must provide their Social Security Number to use the service. There is no publicly documented ITIN acceptance in EarnIn’s eligibility requirements or terms of service.
Source: EarnIn Help Center — FAQ: Credit Monitoring (“Yes, you will need to provide EarnIn your SSN”)
❌ Dave — Requires SSN
Verdict: SSN required for ExtraCash advance
Dave’s Help Center states that a Social Security Number is required for identity verification and is described as the secure way they identify users. Dave’s Deposit Agreement does mention “Social Security Number or Tax Identification Number” when opening a Checking Account, but Dave does not publish an ITIN pathway specifically for their ExtraCash advance product, and the app’s signup flow asks for an SSN.
Sources: Dave Help Center — “Why do you need my Social Security Number (SSN)?” · Dave Terms of Use · Dave Deposit Agreement
⚠️ Cleo — SSN for cash advance / ITIN for Credit Builder Card only
Verdict: Split — cash advance requires SSN; Credit Builder Card accepts ITIN
Cleo’s cash advance requires an SSN at signup, confirmed in their blog and Help Center (“you just need to confirm details such as your address, social security number, and phone number”). However, Cleo’s Credit Builder Cardholder Agreement (issued by WebBank, Member FDIC) explicitly states it will ask for “SSN / ITIN” during account opening — meaning the secured card product does accept ITIN holders.
This is a meaningful distinction: if you have an ITIN and want to build credit with a secured card, Cleo’s Credit Builder Card is worth considering. If you need a cash advance, Cleo requires an SSN.
Sources: Cleo blog — “How To Get A Cleo Cash Advance” (SSN required) · Cleo Credit Builder Cardholder Agreement — USA PATRIOT Act Disclosure (“we will ask for your name, address, date of birth, SSN / ITIN”) · Cleo Help Center — “Who is eligible for a Cleo Card?” (SSN required for standard Cleo Card)
❌ Current — Requires SSN
Verdict: SSN required, explicitly confirmed
Current’s Support Center FAQ directly addresses this: “Yes, Current requires a U.S. Social Security Number (SSN) to open an account. Your Social Security Number helps us validate your identity and protect your platform.” Their signup requirements list SSN as a mandatory field.
Current’s Paycheck Advance (up to $750) is tied to the Current account, so ITIN holders cannot access it.
Sources: Current Support Center — “Do I need a Social Security number to sign up for Current?” · Current Support Center — “What do I need to sign up for Current?”
⚠️ Brigit — SSN NOT required for Instant Cash / required for Credit Builder
Verdict: No SSN required for cash advances (Instant Cash) — but ITIN acceptance not explicitly confirmed
This is where official sources differ significantly from third-party accounts. According to Brigit’s own Help Center: “Brigit does not require your Social Security Number (SSN) to use Instant Cash.” SSN is only required if you apply for their Credit Builder installment loan product, which is issued by Coastal Community Bank, Member FDIC.
This means Brigit’s cash advance product (Instant Cash, $50–$250) does not have a documented SSN requirement. However, Brigit’s Help Center also does not explicitly state that ITIN is accepted — it simply says SSN is not required. Whether ITIN holders can pass Brigit’s identity verification in practice is not confirmed in their official documentation.
If you have an ITIN and no SSN: Brigit is worth checking — their Instant Cash advance does not require SSN per their own terms. Contact their support to confirm ITIN compatibility before applying.
Source: Brigit Help Center — “Does Brigit require my Social Security Number?” · Brigit Terms of Service
⚠️ MoneyLion — Unclear, product-dependent
Verdict: ITIN may be accepted for some products — verify before applying
MoneyLion has been cited by third-party sources as accepting ITINs for certain products, including small personal loans through its Plus membership. However, we could not verify an explicit ITIN acceptance policy in MoneyLion’s current official terms of service or help documentation. If you’re considering MoneyLion, contact their support directly before spending time on an application.
Note: This entry will be updated if MoneyLion publishes a clear ITIN policy.
At a Glance: ITIN Acceptance by App
| App | Cash Advance | ITIN Accepted | Source |
|---|---|---|---|
| B9 | Earned Wage Access up to $1,000 | ✅ Yes | Eligibility Requirements |
| EarnIn | Up to $150/day | ❌ No | EarnIn Help Center |
| Dave | ExtraCash $25–$500 | ❌ No | Dave Help Center |
| Cleo | Up to $250 (advance) | ❌ No (advance) / ✅ Credit Builder Card only | Cleo Help Center + Cardholder Agreement |
| Current | Paycheck Advance up to $750 | ❌ No | Current Support Center |
| Brigit | Instant Cash $50–$250 | ⚠️ SSN not required for Instant Cash — ITIN not explicitly confirmed | Brigit Help Center |
| MoneyLion | Varies | ⚠️ Unclear | Not officially confirmed |
How to Get a B9 Advance With ITIN
Getting started takes a few minutes:
Open your account — provide your ITIN and a valid government-issued ID
Set up direct deposit — send $100 or more in payroll or benefits to your B9 account
Request an advance — once your first qualifying deposit arrives, your advance appears in the app and you can request it before your next payday
Repayment is automatic: any deposit to your B9 account goes toward repaying the advance. There is no separate bill, no due date to track, and no interest.
Common Questions From ITIN Holders
Does getting a B9 advance affect my immigration status?
A B9 Advance is early access to wages you’ve already earned. It is not a loan and not a public benefit as defined under public charge rules. For questions specific to your situation, consult a qualified immigration professional.
Do I need an existing bank account to use B9?
No. B9 provides its own account and B9 Visa® Debit Card. You do not need a pre-existing U.S. bank account.
What if my income comes from multiple gig jobs?
B9 supports multiple direct deposits, including from rideshare, delivery, and other gig work. You need $100 or more in qualifying deposits within 14 days to meet the deposit requirement.
What documents do I need to sign up?
Your ITIN and a valid government-issued ID. B9 will verify your identity through its in-app onboarding process.
What if I live in a state where B9 Advance is unavailable?
B9’s banking account and B9 Visa® Debit Card remain available in those states. Only the advance feature is restricted in Nevada, South Carolina, Wisconsin, Maryland, Kansas, and Indiana.
Bottom Line
Most major cash advance apps — EarnIn, Dave, Current — require an SSN and have no documented path for ITIN holders. Cleo accepts ITIN for its Credit Builder Card but not for cash advances. Brigit’s Instant Cash does not require an SSN per their own Help Center, but ITIN acceptance is not explicitly confirmed — worth checking directly with their support. MoneyLion’s position is unclear.
B9 is one of the few earned wage access apps that explicitly accepts ITIN holders, with no credit check, no interest, and no late fees — and it works with gig income, benefits, and part-time pay in addition to traditional payroll.
B9 is a financial technology company, not a bank. Banking services and the B9 Visa® Debit Card are provided by Evolve Bank & Trust, Member FDIC. B9 does not provide consumer loans as defined by the Truth in Lending Act. A B9 Advance is early access to earned wages and is not a loan, not a payday loan, and not a personal loan. There are no interest charges. Advance amounts vary based on account history and eligibility. Not available in all states. See Terms of Service for full details.
Competitor information in this article is based on publicly available official documentation as of June 2026 and is subject to change. B9 does not make representations about third-party products.