6 Top Cash Advance Apps in 2025

Many digital banking apps, such as DBS Digibank, OCBC Bank, and Standard Chartered, offer seamless cash advance applications and loan management directly from your smartphone. Online applications are processed faster than traditional methods, allowing for quick and hassle-free disbursement. However, before choosing a cash advance, it’s important to consider more cost-effective borrowing options.

Discover our carefully selected list of top digital banking and financing apps that provide instant cash advances, flexible loan terms, and easy accessibility on both iOS and Android.

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1. DBS digibank: Best for competitive rates & easy application

2. OCBC App: Best for quick approvals

3. SC Mobile App: Best for loans with no late penalties

4. Citi Mobile® App: Best for clear eligibility & large personal loans

5. Trust Bank SG: Best for instant credit lines & salary advances

6. MariBank: Best for digital-only banking & flexible loan options

Advance amount: Up to 4X of your monthly salary and 10X if you have an annual income of S$120,000.

Additional fees: 1% processing fee.

Repayment terms: Fixed repayment terms with loan tenures ranging from a minimum of 6 months to a maximum of 5 years.

Funding time: Instant cash in the bank account when applying online.

>>MORE: Read SingSaver’s DBS Personal Loan review

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Advance amount: Up to 6 times your monthly income.

Additional fees: 

• For those with an annual income of S$30,000 and above, there is a one-time processing fee of S$200 or 2% of the approved loan amount, whichever is higher.

• For those with an annual income of S$20,000 to S$29,999, the processing fee is S$100.

Repayment terms: Fixed repayments across 12 to 60 months.

Funding time: Instant approval and cash disbursement when applying online.

>>MORE: Read SingSaver’s personal loan reviews

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Advance amount: 4X your monthly income

Additional fees: S$199 will be deducted on the first year as an annual fee

Repayment terms: Flexible repayment loan tenure from 1 to 5 years

Funding time: 

• Approved and cash disbursed instantly for Standard Chartered Current/Cheque and Save account holders

• Cash disbursements within 15 minutes upon approval for non-Standard Chartered account holders

>>MORE: Read SingSaver’s personal loan reviews

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Advance amount: 

• New customers can borrow up to 4X their monthly income or up to 8X their monthly income if their annual income is S$120,000 or more.

• Existing customers can convert their unused credit into cash

Additional fees: No processing fees or hidden fees. However, a non-refundable service fee is payable by the payment due date

Repayment terms: Repayment plans range from 12 to 60 months

Funding time: Next working day for Citi account holders and 5 working days for non-Citi account holders, upon approval

>>MORE: Read SingSaver’s Citibank Quick Cash Loan review

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Advance amount: Any amount above S$500 and capped at your Trust Credit Card’s credit limit.

Additional fees: No processing or service charge.

Repayment terms: Can be repaid over a tenure between three to 60 months.

Funding time: Instant cash disbursement into your account.

>>MORE: Read SingSaver’s personal loan reviews

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Advance amount: Starting at S$100 and capped at your credit limit

Additional fees: No processing fee.

Repayment terms: Loan tenors from three to 60 months

Funding time: 1 to 2 minutes.

>>MORE: Read SingSaver’s personal loan reviews

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These cash advance providers may not have made it to our top picks, but they could still be a good fit for certain users.

Credible is not a direct lender but a centralised platform that connects borrowers with vetted and licensed lenders. It helps individuals, including those who are unemployed or have low credit scores, find suitable cash advance or loan options. However, unlike digital banking apps, borrowing through Credible requires an in-person meeting with the lender, as mandated by law.

>>MORE: Read SingSaver’s personal loan reviews

The GXS FlexiLoan offers a convenient credit line that allows you to take multiple loans up to your approved limit. With an easy application process, you can select your preferred loan tenure and repayment date—all within the GXS app.

>>MORE: Read SingSaver’s personal loan reviews

The CIMB Clicks Mobile app enables seamless transactions directly from your mobile device. It also allows you to apply for CIMB CashLite, providing access to up to 90% of your credit card limit. Also, with the app, you can effortlessly manage payments and track your transactions, ensuring a smooth and convenient banking experience.

>>MORE: Read SingSaver’s CIMB Personal Loan review

Minor fees from cash advance loans may seem insignificant, but they can accumulate over time. That’s why financial experts advise against paying for early access to your own earnings, as it may not be a cost-effective solution. While these loans can provide prompt financial relief in urgent situations—such as covering car repairs or last-minute travel costs—they’re not a reliable long-term financial strategy.

Therefore, before applying for a cash advance from your digital bank, weigh the benefits and drawbacks carefully.

• Quick cash in an emergency: Digital banks in Singapore offer fast approvals, with some providing instant disbursement if you already hold an account. This can be a beneficial financial option when facing unexpected expenses that require immediate payment.

• Flexible repayment terms: Many banking apps allow borrowers to choose repayment tenures that suit their financial situation, ranging from a few months to a few years. This flexibility could be helpful for managing cash flow effectively.

• No collateral required: Unlike traditional bank loans that may require collateral, most cash advance loans from digital banks are unsecured. This means you don’t have to pledge assets like your home or car to qualify.

• Most loans have a prepayment fee: Some banks impose fees for early repayment, which means you might not save on interest even if you clear your loan ahead of schedule. Therefore, it’s important to always check the terms before borrowing.

• Fees could add up: Although the fees for each cash advance might seem small, they can quickly add up, making borrowing more expensive than anticipated. Processing fees, service charges, and interest rates can make it difficult to repay the loan.

• Risk of repeat borrowing: If you frequently rely on cash advances, it could indicate deeper financial instability. Over time, repeated borrowing can strain your finances and make it difficult to break free from debt cycles.

While these loans provide fast access to cash, they’re primarily intended to provide funds before your next payday. As a result, the loan amount is usually a percentage of your monthly income, and repayment is typically required within a few weeks or by your next paycheck.

In contrast, banks offer personal loans or credit lines with longer repayment tenures and lower interest rates, making them a more sustainable borrowing option for larger financial needs.

Not quite. Services like GetPaid and FriYAY operate within the earned wage access (EWA) industry, meaning they partner with employers to allow employees early access to a portion of their paycheck before payday. In contrast, cash advance apps function independently, lending users money upfront without employer involvement.

One of the benefits of services like EWA is giving employees access to a portion of their paycheck early, which can be helpful if they need funds right away. However, over time, this could potentially cause a habit of relying on early withdrawals. This frequent borrowing could then make it harder to maintain a stable budget.

Before committing to a cash advance loan from a mobile app, explore other options that may be more cost-effective and beneficial for your finances and credit score.

Local financial assistance: Many community organisations and government agencies offer financial assistance programmes to help individuals and families in need. These programmes can provide grants, subsidies, or low-interest loans to cover essential expenses like food, housing, utilities, and medical bills.

>>MORE: Where to get financial assistance in Singapore

Co-op loans: If you’re a co-operative member, you may have access to financial services tailored to your community. These loans are typically offered to members who share a common bond—such as employment, profession, or location—providing a more accessible and community-driven borrowing option.

>>MORE: Best fast cash loans in Singapore 2025

Buy Now, Pay Later (BNPL) services: BNPL platforms like Atome and Grab PayLater let you split large purchases into smaller installments, often with no interest if paid on time. This can be a good option for managing expenses without resorting to high-interest loans.

>>MORE: BNPL vs credit cards: Which one’s more dangerous

Alternative income sources: Instead of borrowing, consider earning extra money through side gigs. Options include freelance work, online surveys, food delivery, or ride-sharing. A short-term side hustle can help cover urgent expenses without accumulating debt.

>>MORE: Ways to make money online, offline, and even at home

Borrowing from friends or family: If you're in a financial crunch, a loan from a trusted friend or family member may be a more flexible option. While it can be uncomfortable to ask, setting clear repayment terms in writing can help ensure transparency and avoid misunderstandings.

>>MORE: Where to get financial assistance in Singapore

SingSaver carefully evaluates and rates cash advance products from various online banking and financing apps offering cash advance loans. We begin by gathering data from reputable financial institutions, including banks and credit counselling agencies, to understand the current landscape of cash advance loan options. This data encompasses interest rates, eligibility criteria, loan terms, and associated fees.

We also examine the clarity of loan terms to ensure borrowers fully understand their financial commitments. Preference is given to lenders with a strong reputation for ethical lending and high customer satisfaction.

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