Atm.com
4.0Earning extra cashFacts verified September 10, 2026
Get Atm.com
On ATM.com, Inc.'s site
Small instant cash advances up to $100, paired with in-app ways to earn extra cash and budgeting tools.
Get Atm.com
On ATM.com, Inc.'s site
$100
Max advance
$5.99/mo
Subscription
None
Credit check
$5 to 5% of the advance amount (Transaction Fee, disclosed before you confirm)
Instant fee
The details
- Max advance
- Up to $100
- Limit resets
- Per pay period
- Mandatory fees
- Up to $5.99/mo Platform Fee; a one-time activation fee and inactivity fees may also apply
- Interest
- None
- Late fee
- None
- Credit check
- None
- Direct deposit required?
- Yes
- Bank-link required
- Yes
- Instant transfer
- Within seconds of approval
- Instant transfer fee
- $5 to 5% of the advance amount (Transaction Fee, disclosed before you confirm)
- Tips
- Requested (optional)
- Eligibility
- Linked bank account with at least three consistent direct deposits from the same source and a positive balance; declined applicants can re-apply after 30 days
Pros & cons
Pros
- Advances typically arrive within seconds of approval, including outside business hours.
- No credit check, no impact on your credit score, and no reporting to credit bureaus.
- No interest and no late fees; you can repay early without penalty.
- The app bundles ways to earn extra cash (paid offers, surveys, cash back) and budgeting tools alongside advances.
Cons
- Advances are small, capped at $100.
- Advances carry a Transaction Fee ranging from $5 to 5% of the advance amount, disclosed before you confirm.
- Up to a $5.99/month Platform Fee applies for the app that includes Instant Cash, and a one-time activation fee or inactivity fees may also apply.
- The app solicits voluntary tips; declining has no consequence, but tips and Transaction Fees are non-refundable.
- Requires linking the bank account where you receive income, with at least three consistent direct deposits from the same source.
- If you are declined, you must wait 30 days before re-applying.
