The $100 FrontPay cash advance,
explained by the other FrontPay.
People land here looking for the cash advance at joinfrontpay.com and find a loan site with the same name. So here is what that product is, in their own published numbers, and an honest take on when it's the right tool and when a loan is. We don't sell it, can't service it, and don't earn from it.
Facts below are from joinfrontpay.com and its FAQ as of . They change; check their site before relying on a figure.
Their product,
on one sheet.
A membership service that advances a small amount against your next direct deposit.
It suits you if
- You're $20–$100 short before a direct-deposited paycheck
- You get paid by direct deposit, $400+ at a time, every time
- You'd use it most months, so $9.99 is spread across several advances
- You don't need it in a hurry (or you'll pay $4.99 express)
- Company
- Populus Financial Group, Inc.Also operates ACE Cash Express. Not related to FrontPay USA.
- Website
- joinfrontpay.comBrowser only; no app.
- Amount
- Up to $100Reviewers report $15–$40 to start.
- Membership
- $9.99 per monthCharged on your payday whether or not you borrow. Free trial until your first direct deposit arrives.
- Express funding
- $4.99Standard funding is free and slower (reviews say 12 hours to 2–3 days).
- Interest · late fees
- NoneThe cost is the membership.
- Repayment
- Your next payday, one pullOne advance at a time.
- Requirements
- 2–3 recurring direct deposits of $400+Employer or government benefits. Paper checks don't qualify. No credit check.
- States
- "Not available in every state"Their site doesn't publish a list.
- Support
- Email only[email protected] · no published phone number.
What a year of it costs.
Memberships are small per month and large per year, and the price per dollar depends entirely on how often you borrow.
For comparison: a $500 FrontPay short-term loan for 30 days costs $35–$75 once, with nothing recurring; a credit union Payday Alternative Loan costs about $12. Cash advance apps vs a loan
Two tools. Pick by the size of the hole.
A cash advance, if the gap is under $100
Small, recurring shortfalls before a direct-deposited paycheck. Cheap enough if you use it most months; expensive if you join for one $20 advance and forget to cancel.
- Go to joinfrontpay.com directly; we have no link or referral with them
- Compare Dave, EarnIn, Brigit and Chime MyPay first: apps like FrontPay
- Set a reminder to cancel if it's a one-off: how
A loan, if the bill is $200 or more
A car repair, a medical bill, a deposit, a month of rent. One amount, a fixed payment, an end date, no membership, and income that doesn't have to be direct-deposited.
- $200–$5,000 from state-licensed lenders, $0 to apply
- Soft credit check; paper checks, gig income and benefits count
- Full cost in writing before you sign; decline for free
Cash advance questions
About their product, answered from their site. More in the full FAQ.