FloatMe
FloatMe is a cash advance app that lets members borrow $10 to $200 before payday, called a Float. It costs $6.99 a month to use, with no interest and no credit check. Standard delivery is free and takes 1 to 3 business days. Instant delivery costs extra, based on how much you borrow.
$200
Max advance
$6.99/mo
Subscription
None
Credit check
$1–$10
Instant fee
The details
- Max advance
- Up to $200
- Limit resets
- Other
- Mandatory fees
- $6.99/month membership required to request any Float
- Interest
- No interest
- Late fee
- None. Terms state no late fees, no debt collection, and no credit bureau reporting on unpaid Floats.
- Credit check
- None
- Direct deposit required?
- No
- Bank-link required
- Yes
- Instant transfer
- As little as a few hours
- Instant transfer fee
- Tiered by Float amount: $1 on a $10 Float up to $10 on a $200 Float. Capped by state law in Indiana and Maryland.
- Free transfer
- 1 to 3 business days
- Tips
- None
- Eligibility
- Must be 18 or older, a US citizen or lawful permanent resident, with a linked bank account and an active debit card. Floats come in fixed amounts ($10 to $200), not any amount you pick. Not available in Connecticut, Washington DC or Nevada.
What it really costs
Cheapest path: ≈91% APR equivalent
Borrow $200 with free delivery (1 to 3 business days) and repay on your next payday. Even without an instant fee, the $6.99/mo mandatory fee works out to an annualized cost of about 91% on that advance.
Most expensive path: ≈130% APR equivalent
Borrow $200 with instant delivery for a fee of up to $10, repaid in 14 days. That works out to an annualized cost of roughly 130%, payday-loan territory for saving a couple of days. FloatMe does not publish a fee for every advance amount, so treat this as the top of the range.
APR equivalents are Firstcard's illustrative math: fee ÷ advance × 365 ÷ 14 days until repayment, not a rate FloatMe charges. Optional tips are excluded.
Pros & cons
Pros
- FloatMe lists an exact instant fee for every Float size upfront.
- Fall behind on a Float, and FloatMe still won't chase you or charge interest.
- No credit check to sign up, even with a thin credit file.
Cons
- No free option. The $6.99 monthly fee eats a third of a $20 Float.
- FloatMe denied people on Social Security, unemployment, or military pay, but still billed them the monthly fee. The FTC made it repay $3 million.
- On-time Floats won't build your credit. FloatMe doesn't report to bureaus.
Compare FloatMe to other cash advance apps
| App | Editors' rating | Member rating | Max advance | Instant fee | Firstcard clicks (12 mo) | |
|---|---|---|---|---|---|---|
| — | — | $200 | $1–$10 | — | |
 | 4.7 | 5.0 (1 review) | $750 | Not published | 30,792 | Get Cash Advance |
 | 4.6 | 4.5 (3 reviews) | $750 | $3.99–$37.49 | 11,166 | Get Cash Advance |
 | 4.5 | 4.5 (2 reviews) | $500 | $2–$25 | 3,476 | Get Cash Advance |
Similar apps are picked automatically: same category, ranked by Firstcard editors' rating. Clicks are Firstcard members sent to each app in the last 12 months, with suspected bot traffic excluded.
A warning from Firstcard
- Borrow with a plan. Take an advance only for a specific, necessary expense, and know exactly which paycheck repays it before you tap the button.
- Don't stack apps. Using more than two cash advance apps at once is how the debt spiral starts. We don't recommend it, ever.
- Avoid instant fees. Express delivery is extremely expensive for the days it saves, see the APR math above. If a free delivery option exists, use it.
Relying on an advance every paycheck? Learn how these apps really work →
How Firstcard works
Firstcard exists to make finance simple and accessible, so anyone can choose the right financial product with confidence. That means showing every fee and every catch upfront, and holding ourselves to the same standard. Here is how Firstcard works, and how we make money.
How we rate. Our editors' rating for a cash advance app weighs what it truly costs to use (the instant fee plus any required subscription, not the advertised “no interest”), how much you can actually get, how fast the free option delivers, what you need to qualify, and how repayment works. Ratings run 1 to 5 in tenths and compare products only within their own category, so a 4.5-star cash advance app is not “better” than a 4.0-star credit builder: they do different jobs. Treat the rating as one input, not the decision. See how we rate financial products.
How we make money. Firstcard may earn a commission when you click a link on this page, get approved, or open an account. That is what keeps our comparisons free to use. See how we make money and our current partners.
Ratings versus placement. Star ratings, member reviews, and our cost math are never influenced by money, and no partner sees a review before it publishes. Where a product appears is a separate question: featured spots and default ordering can reflect partner compensation and what members click and choose. That is why the rating and the real numbers travel with every product, wherever it sits. See our Advertiser Disclosure and Editorial Guidelines.
Terms change, so check before you apply. These terms come from the providers, not from us, so we cannot guarantee they are current or complete, and anything a member reports describes their own account rather than the offer you will be given. Always confirm the fees and terms on the provider's own site before you apply. If you spot something wrong here, email support@firstcard.app and we will fix it.
