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The questions people bring here most often. Pick the one you are in, and we will show what actually works, how fast it pays out and what it costs — including the routes we make nothing on.
Partner offer Stop wasting money on subscriptions $3.1B+ saved for members. Find hidden recurring charges. Cancel in a few taps. Take back control today! Find my subscriptions Earn · Hub · Updated weekly
Most cash advance apps are built for W-2 employees. Here are the apps that actually work for gig workers — verified against official eligibility terms.
The short answer
Sort the options by when the money lands, not by what the work pays. Selling something with local pickup puts cash in your hand this evening. Delivery and rideshare apps can release earnings within minutes of a shift for a cash-out fee the app sets, but only if your account is already approved. Almost everything else in gig work — shift apps, tasks, online platforms — is tomorrow money at the earliest, because of the payout rule rather than the work.
B9 Cash Advance Up to $250 per pay period for B9 Basic No credit checks · No interest · No late fees Check your amount 
Tool
Three numbers tell you whether you'll make it to payday — and exactly how much you're short.
Open Tools →You're short by $180
See my optionsExample figures. Nothing here is a loan offer or a promise of approval. Partner offers are provided by third parties, not by B9.
Desk notes
Partner offer Stop wasting money on subscriptions $3.1B+ saved for members. Find hidden recurring charges. Cancel in a few taps. Take back control today! Find my subscriptions Hacks
Dollar Tree returns in store, never online — 6 rules that decide it Six Dollar Tree rules, and the one that costs people money. Sep 23 Checked at the source 
CVS returns without a receipt — and 6 more rules worth knowing Seven CVS rules, starting with the one clerks get wrong. Sep 23 Checked at the source 
Costco takes back almost anything — 7 rules, including the membership fee Seven rules Costco puts in writing, and one of them refunds the fee. Sep 23 Checked at the source Guides
Guide ·Earn ·Oct 13 How to Become a DoorDash Driver: Step-by-Step Guide Everything you need to sign up as a Dasher — the requirements, the background check timeline, and what to expect before your first delivery. 
Review ·Oct 13 Public vs Chime vs B9: Best App for Gig Income Public, Chime, and B9 solve three different money problems for gig workers — investing cash, fee-free banking, or bridging the gap before payday. Here's how they actually stack up. 
Guide ·Oct 13 What Is the Earned Income Tax Credit and Who Qualifies? The Earned Income Tax Credit can put thousands of dollars back in your pocket, even if you drive for a gig app or work hourly shifts — but about 1 in 5 eligible people never claim it. 
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Watch
Where's my direct deposit? Let's break it down
B9 Advance: how it works
How to access $500 before payday — no credit check
Why B9 is different from other cash advance apps
How B9 works, step by step
Compare
Terms as published by each provider, checked October 13, 2026. Partner offers are labeled — B9 may be paid when you open an account, and that never changes the order.
| App | Amount, as published | Credit check | What the provider says | Open |
|---|---|---|---|---|
| B9 Our product | Up to $250 per pay period for B9 Basic | None | No credit checks · No interest · No late fees | Get Started → |
 Earnin Partner offer | Up to $150/day, max $1,000 between paydays | None | Access up to $150/day with a max of $1,000 between paydays. No interest, no credit check. No mandatory fees. | Apply now → |
 Current Partner offer | Up to a $750 Paycheck Advance* once you qualify | None | Get up to a $750 Paycheck Advance* once you qualify. Advance as much as you qualify for, as often as you need. No credit checks. No credit reporting. | Apply now → |
 Cleo Partner offer | Up to $250* without a credit check, straight from the app | None | Handle it today. Get up to $250* without a credit check, straight from the app. | Apply now → |
 Grant Partner offer | Up to $350 in cash advances | None | Create an account and Get up to $350 in cash advances! | Apply now → |
 Klover Partner offer | Access up to $750 instantly* | — | Get your advance now. | Apply now → |
B9 Marketplace
Need more than an advance? Loans and money tools from our partner network.
From the people who run this desk
Up to $250 on B9 Basic and up to $1,000 on B9 Premium. Subject to approval — advance limits depend on your direct deposit history and plan.
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B9 Money Desk is an information service that allows you to compare financial and related products from different providers. We do not recommend specific products or providers, however we may receive a commission from the providers we promote and feature. Learn more about how we make money.
While we cover a range of products, our comparisons may not include every product or provider in the market. Always confirm important product information with the relevant provider and read the relevant disclosure documents and terms and conditions before making a decision.
Partner offers are provided by third parties, not by B9. B9 acts solely as a distributor and is not the provider of the products or services described. B9 is not a bank and not a lender; it does not review applications and does not set approval decisions, rates, limits, terms or fees — those are determined by each partner, and eligibility and availability depend on that partner and on your state. B9 does not maintain third-party websites and is not responsible for their content, products, services or privacy practices.
B9 is a financial technology company, not a bank. Banking Services are provided by Mbanq's banking partner, Evolve Bank & Trust, Member FDIC.
Content is general information, does not take your personal circumstances into account, and is not financial, legal, tax or investment advice. Figures and terms are accurate as of the date of publication and may change.
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