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Compare · route finder

Tell it the bill. It tells you the cheapest way to cover it.

Every way a working American borrows a small amount, priced with the same two questions: how much, and when can you pay it back. The cheapest route wins, even when it isn't ours.

$20$100$500$1,000$5,000

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Costs use each option's published terms, October 2026; loans at a common fair-credit APR of 35.99% (short-term: $15 per $100 per pay cycle). Your offer shows your rate.

Cheapest first.

for $300, repaid next payday
    See your offer Apps like FrontPay, compared

    Which FrontPay USA loan?

    Three products, one application. The bars show where each one lives on amount and on term; the finder above highlights the one that fits your numbers.

    Short-term loan

    One bill, one payday.

    $200–$1,500, due on your next pay date or in 3–6 payments. Priced as a finance charge, about $15 per $100 per cycle. No rollovers.

    Amount
    $200$5,000
    Term
    14 days24 months
    Short-term loans →
    Installment loan

    Spread it out, see the end.

    $500–$5,000 over 3–24 equal monthly payments at a fixed APR, 29.99%–149% depending on credit and state. Most lenders report on-time payments.

    Amount
    $200$5,000
    Term
    14 days24 months
    Installment loans →
    Personal loan

    Bigger, longer, cheaper.

    $2,000–$5,000 over 12–24 months from 5.99% APR for stronger credit. The one to use for consolidating cards or a planned expense.

    Amount
    $200$5,000
    Term
    14 days24 months
    Personal loans →

    Not sure? Apply once; the offer you see is for whichever product your numbers fit, and declining it costs nothing. Payment calculator · Rates & fees

    Head to head.

    The $100 FrontPay cash advance (joinfrontpay.com, not us) against each app it's usually weighed against. Eight scored rounds and a worked receipt on every page.

    FrontPay vsDave
    Max
    $500
    Monthly
    up to $5
    Instant
    1.5% to an outside card
    Dave 4 · FrontPay 2 · 2 drawsRead the rounds     FrontPay vsEarnIn
    Max
    $1,000
    Monthly
    $0
    Instant
    $3.99 up to $75
    EarnIn 4 · FrontPay 0 · 4 drawsRead the rounds     FrontPay vsBrigit
    Max
    $500
    Monthly
    $8.99 Plus
    Instant
    $0.99–$5.99
    Brigit 4 · FrontPay 0 · 4 drawsRead the rounds     FrontPay vsCleo
    Max
    $250
    Monthly
    $5.99 Plus
    Instant
    $3.99
    Cleo 5 · FrontPay 1 · 2 drawsRead the rounds     FrontPay vsChime MyPay
    Max
    $500
    Monthly
    $0
    Instant
    3% · $2–$5
    Chime MyPay 4 · FrontPay 1 · 3 drawsRead the rounds

    All six in one table: Apps like FrontPay · The product itself: The $100 cash advance, explained · Cash advance apps vs a loan

    A woman reading on a balcony, taking her time over a decision

    How we rank, in five rules.

    1. Total dollars, not APR.A $5 fee on $100 for two weeks is a terrifying APR and a fine deal. We add up what leaves your account.
    2. Memberships count once a month.If you'd pay the subscription anyway, the advance is cheaper than it looks; if you wouldn't, it's part of the price. We assume it's part of the price.
    3. Optional tips are $0.Set them there and leave them there.
    4. Re-borrowing is a cost.An advance repaid in full on payday and taken again is the same money for another fee. Over three months that's three fees, and the finder counts them.
    5. We lose some of these on purpose.For $40 on Friday, an app with no fee is the answer. We say so and we'd rather you remembered that when the bill is $900.

    Sources and check dates are on every head-to-head page. Tell us if a number is stale: customer service.

    Compare
    questions

    More in the full FAQ.

    Which FrontPay is this page about?
    Both, kept apart. The head-to-head pages compare the $100 cash advance sold at joinfrontpay.com (a different company; people search for it as "FrontPay") with the apps it competes with. The products section compares the three loans FrontPay USA connects you with. We don't sell the cash advance and have no referral with them.
    Is a cash advance app always cheaper than a loan?
    For $20–$100, yes; nothing we offer beats $0–$10. For $500 and up the apps don't go there, and for anything you can't repay in one payday a loan with a fixed monthly payment is cheaper than re-borrowing every two weeks. The route finder above does this arithmetic for your numbers.
    Why does the route finder sometimes recommend something other than you?
    Because that's the honest answer and we'd rather you came back when the bill is $800 than felt sold to over $60. Our lenders pay us when a loan funds; sending you to a $0 app for a $40 gap costs us nothing worth having.
    How are the head-to-head pages scored?
    Eight rounds on published terms: maximum, monthly cost, cost per advance, instant delivery, free delivery time, who qualifies, setup, and reach plus support. A round is a draw when neither option is clearly better for most people. Sources and check dates are on every page; figures are rechecked monthly.
    What about payday stores and credit cards?
    A storefront payday loan costs about $15 per $100 per two weeks, more than the $10–$15 per $100 per 30 days a short-term loan here is priced at, and it is built to roll over. A credit card cash advance runs 3–5% up front plus roughly 29% APR from day one, which beats most options if you can clear it in a month. Both are in the finder. Payday loan alternatives

    Keep reading.

    Apps like FrontPaySix apps, one tablePayday loan alternativesTen cheaper routes, rankedPayment calculatorAny amount, term and APRRates & feesEvery range we publish
    $200–$5,000Soft check · $0 to apply
    Apply now