B9 (bnine) Cash Advance & Personal Loan Alternatives
Request a personal loan of $200 to $5,000 through an independent lender network, or read how B9 Cash Advance works, what it costs and who can use it. This website is not B9 and does not make loans.
Explore Personal Loan Options From $200 to $5,000
A personal loan is money you repay on a schedule. Requests made on this page go to independent lenders, not to B9.
We don't show APRs, fees, approval odds or funding times for third-party loans because we don't set them and the lenders don't publish them to us.
Need more than a cash advance?
$200–$5,000 requested amount
Request a personal loan online
Form provided by an independent loan request network. What you enter is collected by the form provider and its lender network — it is not read or stored by this website. Submitting a request does not guarantee approval or any offer.
How Our Loan Request Process Works
Our role
We provide information and show the request form. We are not a lender, we don't make credit decisions and we don't approve loans.
What Is B9 (bnine)?
B9 (bnine.com) is a financial technology app from B9, Inc. in Miami, Florida. It is not a bank.
B9 Advance: cash advance through earned wage access
B9 Account and Visa Debit Card: provided by Evolve Bank & Trust, Member FDIC
Credit Builder: a loan issued by Cross River Bank, Member FDIC
Credit Line Loan: California residents only
How Does B9 Cash Advance Work?
Earned wage access lets you get part of your pay before payday. It is repaid from your next deposit.
Not a loan, according to B9
B9 says B9 Advance is "not a consumer loan product" and charges no interest. B9 states it has no legal claim against you if an advance isn't repaid.
How Much Would an Express Fee Cost?
Drag from $0 to $5,000 — the full range this page covers. Under $1,000 shows B9's own published express fee; above it, you've moved into personal loan request territory, where the lender sets the cost.
B9 Cash Advance Limits, Fees & Requirements
Advances run from $10 to $250 on Basic and up to $1,000 on Premium per pay period. There is no interest.
Basic — $9.99 / month
- Cash advance up to $250 per pay period
- B9 Account and Visa Debit Card
- Cashback 0.4%–5% in chosen categories
- Fee waived after a month with $5,000+ in deposits
Premium — $19.99 / month
or $35.97 every 3 months · $83.88 every 12 months
- Cash advance up to $1,000 per pay period
- Experian credit score simulator, tracker and factors
- Premium Support
- Access to B9 Credit Builder
Renews automatically; not prorated.
Express fee summary
Standard delivery is free and takes up to 5 business days. Instant delivery has an express fee of $1.99–$49.99, depending on the advance amount. Express fees are separate from the membership fee and aren't an APR.
Requirements
- A B9 Account opened with an SSN or ITIN
- A Basic or Premium membership
- At least $100 in payroll deposits in the last 14 days
- A balance of at least $0 and no unpaid advance
B9 Cash Advance
Not on B9's exclusion list
B9 says advances may not be available in all states, and eligibility varies. Confirm in the B9 app.
B9 Credit Builder
Not yet confirmed
B9 hasn't published which states Credit Builder is offered in.
B9 Credit Line Loan
Not offered
B9 offers its Credit Line Loan only to California residents.
Fee details · Express fee calculator · Availability by state
B9 Loans vs Other Personal Loan Options
B9 Advance and a personal loan work differently. Third-party loan terms are set by each lender and are not B9's.
| B9 Cash Advance | Personal loan request | |
|---|---|---|
| Product type | Earned wage access. B9 says it isn't a consumer loan product. | Personal loan from a participating lender |
| Provider | B9, Inc. | Participating lenders, through LeadsGate's network |
| Amount | $10–$250 (Basic) or up to $1,000 (Premium) per pay period | Requests of $200–$5,000. The lender decides what is offered. |
| Cost | No interest. Membership fee, plus an optional express fee of $1.99–$49.99. | APR and fees set by each lender and shown in any offer |
| Credit check | None for B9 Advance | Depends on the lender |
| Repayment | From your next incoming deposit | Schedule set in the loan agreement |
| Eligibility | B9 Account, plan and payroll deposits. Not offered in 6 states. | Set by the participating lenders |
| How to start | In the B9 app | The request form at the top of this page. Not B9. |
Pros & Cons of B9 Advance
Based on what B9 publishes. This is informational, not a recommendation — weigh it against your own situation.
Pros
- No interest charged on B9 Advance
- No credit check required
- B9 states it has no legal or contractual claim against you if an advance isn't repaid
- Instant delivery is available for a fee, instead of waiting up to 5 business days
- Premium plan adds access to B9 Credit Builder
Cons
- Monthly membership fee required: $9.99 (Basic) or $19.99 (Premium)
- Express fee of $1.99–$49.99 for instant delivery
- New members often start as low as $10 per pay period
- Not available to residents of 6 states (NV, SC, WI, MD, KS, IN)
- Requires $100+ in payroll deposits every 14 days to qualify
See how B9 compares with other cash advance apps · Earned wage access vs payday loans
Personal Loan Eligibility & Requirements
Personal loan requests
- Requirements are set by the participating lenders and can differ by lender and by state
- The request form shows what information it needs
- We don't set minimum credit scores or income levels, and we can't tell you your chances of approval
- Submitting a request doesn't guarantee an offer
B9 Cash Advance, for comparison
- A B9 Account (SSN or ITIN accepted)
- A Basic or Premium plan
- $100 or more in payroll deposits in the last 14 days
- Living outside NV, SC, WI, MD, KS, IN
What B9 Reviews Say
We haven't used B9 ourselves. These are third-party scores and recurring review themes, not our endorsement.
4.5/5
Google Play · 22.9K reviews
4.5/5
App Store · 25K ratings
3.9/5
Trustpilot · 1,186 reviews
What reviewers say works
- The mobile app is convenient for managing money and checking balances
- Early payroll deposits
- The cash advance feature is seen as helpful between paychecks
What reviewers flag
- Customer support described as unhelpful, rude or slow
- Transfer fees
- Temporary holds or delayed availability of funds
Automated theme summary from 1,186 Trustpilot reviews, checked Nov 3, 2026. Automated summaries can miss context. Full B9 App Review · Is B9 Legit?
B9 Cash Advance & Personal Loan Alternatives FAQ
B9 (bnine.com) is a financial technology app from B9, Inc., based in Miami, Florida. It offers B9 Advance (earned wage access), a Visa debit account, a Credit Builder loan and, in California, a Credit Line Loan. B9 is a financial technology company, not a bank.
B9 describes B9 Advance as earned wage access and says it is not a consumer loan product. It charges no interest, and B9 states it has no legal or contractual claim against you if an advance isn’t repaid.
No. This is an independent website. It isn’t affiliated with, endorsed by or operated by B9, Inc., and the personal loan request form on this page is not a B9 application.
The form is provided by LeadsGate, which processes requests through an independent network of participating lenders. We aren’t a lender, we don’t make credit decisions, and we don’t approve loans. Read the provider’s privacy notice before you submit a request.
The request form accepts amounts from $200 to $5,000. Any amount you are offered, and its APR, fees and repayment terms, is set by the participating lender and shown before you accept.
No. Submitting a request doesn’t guarantee approval or any offer. Participating lenders decide whether to present options and on what terms.
Advances start at $10 and go up to $250 on Basic or $1,000 on Premium per pay period. There is no interest. Membership costs $9.99 (Basic) or $19.99 (Premium) a month, and instant delivery has an express fee.
B9 Advance isn’t available to residents of NV, SC, WI, MD, KS, IN. The B9 Credit Line Loan is offered only to California residents.
Still have questions? How we handle loan requests · Privacy Policy · Contact us