ATM Instant Cash™ helps you get an instant cash advance and earn real cash rewards. Handle emergencies, avoid overdraft fees, and access money fast — no credit check, no interest, no late fees. Earn cash with surveys, games, cashback, and bonus offers. All-in-one cash advance, cashback, surveys, games, budgeting.

Why people use ATM.com

Instant cash advance / instant money for unexpected expenses
Real cash rewards (not points): withdraw earnings to your bank account
Surveys + games to earn extra cash
Cashback from 500+ partners to save on everyday spending
Personal finance tools: spend tracking, budgeting, bills, and subscriptions

ATM.com helps you earn from your data, games, surveys, cashback, and bonus offers—while providing personal finance tools and access to cash. Earn rewards and cashback from over 500 partners to save more. Withdraw earnings directly to your bank account—not points or gift cards—real cash rewards.

Personal finance, built in

ATM Personal Finance (bundled with ATM Instant Cash™) includes spend tracking and budgeting in one place. Track spending by category or merchant for cashflow insights. Set budgets with overall or category limits. Monitor bills and spot unwanted or duplicate subscriptions.
Get quick cash access for unexpected expenses—no credit check, no interest, no late fees.

Disclosures & Pricing

App Access
Free to download

ATM.com is a financial technology company, not a bank or a lender. We are not a Payday Loan, Cash Loan, Personal Loan, Peer to Peer Lender, Title Loan, or app to Borrow Money.
Instant Cash is a non-recourse cash advance, not a loan or credit product. Repayment occurs via autopay transactions with no additional interest, penalties, or fees for failures. We do not report to credit bureaus nor create debts that contribute to long term debt accumulation. By validating your information, you can access money whenever you want to. Membership is required to request cash advances; approval of your request is not guaranteed. ATM Personal Finance Memberships costs up to $5.99/month and provides access to ATM.com’s suite of financial products and services and cover the costs to maintain your account and bank connections.

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

Instant Cash Example:
Instant Cash Advances do not require a 60 day minimum repayment timeframe. Instant Cash Advances similarly do not have a maximum repayment timeframe.

Advances are not Loans of any kind and do not create a contracted obligation to repay a loan. Advances have 0% max interest rate with no late fees, origination fees, or impact on credit score.

Access $50 via standard ACH → Future Repayment $50
Access $50 via optional instant card delivery ($7.00 transaction fee) → Future Repayment $57

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

Personal Loans
ATM.com displays personal loans in our marketplace with repayment terms from 12 months to 84 months and APR ranges from 5.99% to 35.99%. Example, if you receive a $10,000 loan with a 60-month term and a 16.21% APR, your required monthly payment would be $244.30 ($135.09 Principal + $109.21 Interest). If all 60 payments are made on time, the total paid would be $14,657.87. All loan offers on the ATM.com marketplace require your application and approval. Depending on the lender, other fees may apply, such as origination fees, or late fees. See lender’s terms and conditions for additional details. You may not qualify for the lowest rates or the highest offer amounts or may not qualify at all.

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Website: https://www.atm.com/

ATM.com, Inc
1600 Dove St
Newport Beach, CA 92660