B9: Cash Advance・Banking・Earn

B9 - Get Your Paycheck Early

About this app

Need Money Before Payday? Get Paid Early with B9!

Tired of waiting for payday? Want a banking app that helps you access your paycheck early, earn rewards, and even make extra cash? B9 gives you early access to your earnings, everyday banking tools, and new ways to earn money right from your phone — no credit checks, no interest, no late fees.
Over 1.5 million users already trust B9 to make their money work harder.

Receive your initial $50 cash advance after your first qualified paycheck direct deposit of $300+ and successful debit card link. Terms apply.

Why Choose B9 App?

- Cash Advances Up to $750 per Pay Period — Why wait for payday when life doesn’t wait for you? Get early access to your paycheck and enjoy what matters most.
- Everyday Mobile Banking — Open your B9 Account in minutes, move funds your way with ACH, Wire, or fast card transfers, and enjoy both virtual and plastic B9 Visa® Debit Cards—all with no overdraft fees or minimum balance.
- Make Extra Money in the App — Want to turn your free time into cash? Earn money by completing simple tasks like games and app downloads right inside B9.
- Personal Loans (California residents only) — Planning something bigger and need more than your B9 Advance? Use B9 regularly and you could become eligible for a B9 Personal Loan offer.
- Earn Up to 5% Cashback — Earn up to 5% cashback when you use your B9 Visa® Debit Card for daily purchases.
- Build Credit Smarter — Want to track and improve your credit score? B9 Premium gives you credit monitoring, score tracking, and a simulator tool.

How to Get a Cash Advance?

1 Download the B9 app & open an account.
2 Set up direct deposit (job, gig work, or benefits). Income from W2, SSI, etc., qualifies.
3 To get your first $50 cash advance, receive $300+ in qualifying deposits within 2 weeks, and link your debit card.
4 Want to know your advance limit and take control of your finances? B9 gives you the tools to predict your next available advance anytime.
5 Spend with your B9 Visa® Debit Card.
6 Repayment happens automatically with your next paycheck.

Choose the Plan That Fits You:

Basic Plan — $11.99/month or $0*
- Cash advance: up to $100/pay period
- Up to 5% cashback
- Instant B9-to-B9 transfers
- No-fee ACH withdrawals
- B9 Play&Earn

Premium Plan — $19.99/month or $0*
- Cash advance: up to $750/pay period
- Up to 5% cashback
- Credit monitoring & score simulator
- Loan access for California users
- Instant B9-to-B9 transfers
- No-fee ACH withdrawals
- B9 Play&Earn

*Subscription fee waived for the first 30 days. Stay free by direct depositing $5,000+ monthly.

Why wait for payday when you can get paid early?
Are you ready to switch to a banking app that helps you earn, save, and manage money?
Would you like to stop worrying about payday and get paid when you actually need it?
Curious how earning extra money inside your banking app could help your budget? Try B9!

[1] B9 Advance is an optional, no-fee service. To qualify, set up a direct deposit to your B9 Account at least once per month. Your advance amount depends on B9 Account history, deposit frequency, income, and other factors, and may change over time. For B9 advance T&C and eligibility requirements apply. Not all users qualify. Average B9 Advance: Basic—$81, Premium—$257 (as of Dec 2024). Availability varies by state. See T&C or contact [e-mail]. B9 has no legal or contractual claim if you fail to repay a cash advance. However, you won’t receive new advances until the previous one is repaid.

B9 is not a bank. Banking services and the B9 Visa® Card are provided by Evolve Bank & Trust, Member FDIC.
B9 is not affiliated with Credit Karma, Kikoff Credit, Brigit, Credit One, Credit Strong, Albert, Earnin, Dave Bank, Cleo, Klover, MoneyLion, Empower, Cash Now App, Venmo, Self, Rocket Money, Possible Finance.

Privacy Policy: https://bnine.com/privacy-policy
Terms of Service: https://bnine.com/TOS

Address: 777 Brickell Avenue, Suite 500, Miami, FL 33131

Ratings and reviews

if I could do no stars and leave a review I would. I don't like that once you've started the process and back out that you're stuck making monthly payments, they're gonna charge me at the end of this month for an app I don't even use, nor used. I stopped mid application process, because I didn't want to split my paycheck onto separate accounts and now I can't even cancel my subscription!! Nor talk to an agent, says connecting to one but doesn't!

1 star, because when setting up the account, they don't tell you that in order to get an advance, you have to move your direct deposit to their bank. It took me to sign into my work account, I assumed so it could see my timecard and allocate accordingly, but it was trying to change over my direct deposit! Thankfully, it's not that easy to do through my work website! I'm signed up for a subscription I didn't agree to. I'll cancel acct ASAP. *PEOPLE WHO MAKE 5K A MONTH DON'T NEED $ ADVANCE!

You have to sign up for the monthly subscription if you want/need more than $50, set up direct deposit, and receive over $300/15 days to be eligible for any advance whatsoever, and the "tips" are removed from your advance right away after being selected. It's not a terrible app otherwise. Wouldn't be the app I'd recommend if you need advances, but it's an easy app to have some side money deposit from your paycheck if you need it.

What’s new

Hello!
We're excited to share a new version of our app with you! It includes important bug fixes and performance improvements to make your experience even better.
Enjoy!
The B9 Team