Get up to $150 before payday.
Surprise expenses don't wait for your paycheck, and you shouldn't have to either. Carlos+ members can get a cash advance in minutes.
Carlos+ $4.99/mo · Cancel anytime · Not everyone qualifies*
You're approved for
$100
Due on your next payday
Example offer for illustration.
For the moments between paychecks
How it works
Everything happens in the Carlos app — no paperwork, no waiting in line.
Step 1
Join Carlos+
Cash advances are part of a Carlos+ membership.
Step 2
Link your bank
Securely connect the account your paycheck goes into.
Step 3
See your offer
Find out how much you’re eligible for in minutes.
Step 4
Get your cash
Choose your amount and delivery speed, and you’re set.
How much can I get?
Up to $150
Your offer is based on our eligibility requirements. Amounts may start smaller and can change over time.
Choose your speed
Get it when you need it
Standard · To your bank account
Arrives in a few business days. No extra transfer fee.
Instant · To your debit card
Usually arrives within minutes, for a small additional fee.
All fees are shown in the app before you confirm.
Repaying is simple
Your due date and total are shown before you confirm, so you always know what to expect. Want to pay early? Repay all or part of it from the app anytime.
Why get a cash advance with Carlos?
No interest
Advances of up to $150 with no interest charged.
No credit check
Your offer is based on your bank activity, not your credit score.
Clear pricing
Every fee is shown before you confirm. Nothing is charged upfront.
Built for real life
Made for people navigating real ups and downs, not perfect credit.
Who it's for
A Carlos cash advance can help when you're:
- Covering a short-term expense
- Avoiding overdraft or late fees
- Smoothing out uneven pay periods
- Handling an unexpected bill
Cash advances are meant for short-term needs, not long-term borrowing.
Using advances responsibly
To get the most out of Carlos, we suggest you:
- Take only what you need
- Repay on or before your due date
- Keep an eye on your spending in Carlos
- Use Earn and Cashback to build a cushion
Our goal is to help you build better habits, not add stress.
Quick answers
Do I need Carlos+ to get a cash advance?+
Yes. Cash advances are available to Carlos+ members for $4.99/mo. Carlos+ also includes boosted Earn rewards and full access to the financial marketplace.
How much can I get?+
Eligible members can get up to $150. Your offer is based on our eligibility requirements and may change over time.
Is there interest?+
No. Carlos cash advances don’t charge interest.
What does it cost?+
Each advance has a small service fee, and instant delivery adds a small transfer fee. Fees are added to your repayment, nothing is charged upfront, and you’ll see the total before you confirm.
Will it affect my credit score?+
No. We don’t run a credit check to decide your offer.
When do I pay it back?+
Your due date is shown before you confirm and is usually set around your next payday. You can repay early from the app anytime.
*Not everyone will qualify for a cash advance. Offer amounts are up to $150 and are based on Carlos's eligibility requirements. A Carlos+ membership is required. Fees apply and are shown before you confirm. Instant delivery times depend on your bank and card.
Get started with Carlos.
- 1Download Carlos
- 2Join Carlos+
- 3See your offer
- 4Get your cash