ATM Cash Advance・Instant Money

ATM.com, Inc.

About this app

Looking for a quick cash advance or instant money to handle emergencies and avoid overdraft fees? With ATM Instant Cash™, you can get a cash advance fast with approval - no credit check, no interest, and no late fees. Think of it as your instant, payday cash advance option, helping you stay afloat when money's tight so you don't have to borrow money from your friends. Plus, you can earn extra cash and get paid to answer surveys, play games, and more!

ATM.com helps you earn money from: your data, playing games, answering paid surveys, sharing your location, cashback and bonus reward offers; while also providing personal finance budgeting tools and quick access to cash when you need it most. You can earn rewards and cash back from over 500 verified partners that can help you save money on your monthly expenses, improve your credit score, and more. Earn extra cash that you can withdraw directly to your bank account, not points, not gift cards, cash rewards! Get started by downloading the ATM.com app and start earning today.

Beyond earning rewards, ATM Personal Finance puts you in the driver's seat of your money. It's bundled with ATM Instant Cash™ - your financial lifeline for unexpected expenses - plus smart spend tracking and budgeting tools all in one place. Track your spending month over month and visualize by category or merchant for valuable cashflow insights. Tighten up your finances with customizable budgets, setting limits overall or per category. Keep tabs on upcoming bills and easily identify unwanted or duplicate subscriptions.

ATM Instant Cash™ provides you with quick access cash. It allows you to cover unexpected expenses with no credit check, no interest, and no late fees. You can access cash advance limits from $25*. Avoid overdraft fees and manage emergency expenses efficiently.

Play and Earn!

Users are earning up to $250 a month by playing games found on ATM. Earnings can range from $3 up to $250, and your earnings depend on how much you play. We're working hard to find you more games to earn from and grow your money. If you're a gamer, this is a great way to find side hustles to earn more money from.

Rewards Portal

There are over 500 offers for users to earn from. Earn from $1 up to $500. Our rewards portal is an easy way to grow your money.

Paid Surveys

New surveys are added weekly and users earn anywhere from $0.03 up to $5.00 for each survey they complete. Most surveys take a few minutes and our users love using them as a side hustle. This is a great way to earn more cash and not gift cards or points.

Disclosures & Pricing

ATM.com is a financial technology company, not a bank or a lender. Instant Cash is a non-recourse cash advance, not a loan or credit product. Repayment is user-initiated through your linked debit card or bank account—not a payroll deduction.
ATM.com is not affiliated with loan apps, money apps, Albert budgeting and banking, Credit Karma, Brigit, Kikoff Credit Builder Loan, Freecash, Earnin, Dave Bank, Chime, Cleo, Klover, MoneyLion, FloatMe, Empower Cash Advance, Cash App, Self, Rocket Money, Possible Finance, paycheck loans, or payday loans.

App Access
Free to download
Optional premium features available up to $7.99/mo

Transaction Fees
Standard delivery (ACH): $0
Express instant debit card delivery fees may apply
(You’ll see exact pricing before confirming.)

Example:
Instant Cash Advances have no min or max repayment periods. Advances have 0% max interest rate with no late fees, origination fees, or impact to credit score.

Access $50 via instant card delivery ($7.00 fee) → Repay $57 on your selected date
Access $50 via standard ACH → Repay $50 flat

Eligibility
Not all users qualify; available amounts vary
Service may not be available in all states. See app for details

Privacy Policy - https://www.atm.com/privacy-policy
Terms of Service- https://www.atm.com/terms-of-service

Facebook: https://www.facebook.com/atmdotcom/
Website: https://www.atm.com/

Ratings and reviews

I've been trying to get the cash advance to work for months now. first, my account was negative a few dollars, which I wasn't aware would cause it to deny me and make me wait 30 DAYS to request again, which is completely absurd considering I wanted the cash advance to get my account back in the positive. went back after the 30 days and tried again, only for it to say there was an error. gave up for a while and tried again yesterday, and it's been "processing" my request for about 12 hours now.

Seems like a scam. Every time you try to get an advance and link your bank account, a loading wheel just spins and a modal pops up saying "unexpected error". After giving all of this personal information and bank info, it just doesn't work suddenly without any kind of reason besides "unexpected error". Seems very suspicious. They don't even tell you what the error is. Scary

I've tried the app. I like the games. I didn't seem to be qualified for the surveys. My issue comes with verifying my identity and my money advance account. They've never worked for me. Even after reinstalling or updating. There's money in my account that, I guess will get dissolved back into the company because I can't access it. Nor do I know how to get customer service.

What’s new

- Routine maintenance was performed by our maintenance guys - they are great at keeping the code squeaky clean and bug free.