6 Top Cash Advance Apps in 2025
Updated: 7 Oct 2025
Written bySingSaver Team
Team
The information on this page is for educational and informational purposes only and should not be considered financial or investment advice. While we review and compare financial products to help you find the best options, we do not provide personalised recommendations or investment advisory services. Always do your own research or consult a licensed financial professional before making any financial decisions.
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.
Summary of apps that provide the best cash advances or personal loans
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OCBC App: Best for quick approvals
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SC Mobile App: Best for loans with no late penalties
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Citi Mobile® App: Best for clear eligibility & large personal loans
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Trust Bank SG: Best for instant credit lines & salary advances
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MariBank: Best for digital-only banking & flexible loan options
6 best apps that offer instant cash advances or personal loans
DBS Digibank: Best for competitive rates & easy application
DBS Personal Loan at a glance
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.
Advantages
Potentially large advances depending on your annual income
Instant cash in your account
Monthly instalments of a minimum of six months to a maximum of 10 years
Drawbacks
S$250 prepayment fee
1% processing fee
OCBC App: Best for quick approvals
OCBC ExtraCash Loan at a glance
Advance amount: Up to 6 times your monthly income.
Additional fees:
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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.
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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.
Advantages
Instant approval and cash disbursement for those applying online
Cost-effective fixed repayment terms across 12 to 60 months
Easy application process
Drawbacks
Charges a processing fee depending on your annual income
S$150 prepayment fee or an administrative fee of 3% of the unbilled outstanding principal amount, whichever is higher
SC Mobile App: Best for loans with no late penalties
Standard Chartered Bank CashOne at a glance
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:
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Approved and cash disbursed instantly for Standard Chartered Current/Cheque and Save account holders
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Cash disbursements within 15 minutes upon approval for non-Standard Chartered account holders
Advantages
Borrow up to 4X your monthly income
Rates as low as 1.90% p.a. (EIR 3.63% p.a.)
Repay as low as S$50 monthly with no penalties when you pay instalments in full for six months
Drawbacks
S$199 is deducted from the approved loan amount as an annual fee
Early redemption fee of S$150 or 3% of outstanding principal, whichever is higher
Citi Mobile® App: Best for clear eligibility & large personal loans
Citibank Citi Quick Cash at a glance
Advance amount:
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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.
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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
Advantages
No processing fees
Potentially large cash advances
Flexible repayment terms ranging from 12 months to 60 months
Drawbacks
Disbursement may take longer compared to other options
Service charge during repayment
Prepayment fee of 3% of unbilled outstanding principal amount or S$100, whichever is higher
Trust Bank SG: Best for instant credit lines & salary advances
Trust Bank Instant Loan at a glance
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.
Advantages
No processing fees or service charges
Funding is instant – 60 seconds
Flexible repayment options
Save on interest when you repay loans early
Drawbacks
Subjected to a fee of 3% of your outstanding amount if you repay your loan in full early
Partial early repayment of the loan is not allowed
Will need to apply for a Trust Credit Card before applying for the Instant Loan
MariBank: Best for digital-only banking & flexible loan options
MariBank Instant Loan at a glance
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.
Advantages
Can borrow as low as S$100 and up to your available credit limit
Flexible repayment options
Easy application process
Drawbacks
Early repayment fee of S$100 or 3% of the remaining unpaid principal amount, whichever is higher
Will need to apply for the Mari Credit Card before applying for the Instant Loan
Other apps that provide cash advances or loans online
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.sg
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.
GXS FlexiLoan
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.
CIMB Clicks Mobile app
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.
Should you get a cash advance loan from your online banking app?
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.
Pros
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.
Cons
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.
Cash advance provided by personal loans vs payday loans: What’s the difference?
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.
Are apps like GetPaid and FriYAY apps that provide cash advances?
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.
Alternative to cash advance loans from digital banking apps
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.
Cash advance loan rating methodology
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.
Frequently asked questions
Many digital banking apps offer instant cash advance loan disbursement, but approval speed depends on several factors. If you already have a savings account or credit card with the provider, and you meet the eligibility criteria—including creditworthiness and income requirements—you’re more likely to receive funds instantly.
MariBank offers one of the most flexible digital lending solutions, allowing borrowers to take out a loan starting from as little as S$100. This can be beneficial for individuals who need a small cash boost to cover unexpected expenses.
GXS FlexiLoan is another digital credit line that lets users borrow small amounts, starting at S$200. This feature makes it a great option for those who need a modest financial cushion without committing to a large loan.
About the author
SingSaver Team
At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.