How to Increase Your B9 Advance Limit
B9 says your limit depends on your deposits, how often you're paid, your spending and whether you repaid earlier advances on time. It doesn't publish a formula, so no step guarantees an increase.
B9 limit ceiling
$250 → $1,000
Basic → Premium, per pay period
New members
Starts at $10
for many new members
Hard cap
Next paycheck
Never more than your next expected paycheck; no published timeline or formula
B9 Advance Limits by Plan
| Plan | Monthly fee | Advance limit | Average advance |
|---|---|---|---|
| Basic | $9.99 | $10–$250 | $67 (July 2026) |
| Premium | $19.99 | Up to $1,000 | $332 (July 2026) |
Averages are B9's. Most members get less than the maximum. Compare membership plans
What B9 Says Affects Your Limit
- How much you deposit; B9 says deposits of $1,500 or more a month can raise your limit faster
- How often you get paid
- Your spending habits, including spending at least $100 on groceries with the B9 card
- Whether you repaid earlier advances on time
Steps to Consider
These follow from B9's stated factors. None guarantees a higher limit.
1. Route more of your pay to your B9 Account
B9 says deposits of $1,500 or more a month can raise your limit faster. Advances also need at least $100 in payroll deposits in the last 14 days.
2. Keep deposits regular
B9 lists how often you get paid as a factor.
3. Use the B9 card for everyday spending
B9 lists spending, including at least $100 on groceries with the B9 card, as a factor.
4. Repay on time
B9 lists repaying earlier advances on time as a factor.
5. Think about Premium
Premium raises the ceiling from $250 to $1,000, for $19.99 a month. It doesn't guarantee that amount.
Hard Caps You Can't Get Around
Your next paycheck
An advance can't be more than your next expected paycheck.
Looking for a personal loan instead?
B9 Advance has a ceiling that depends on your plan and your next paycheck. If you need a different kind of product, you can request a personal loan from independent lenders through the form on our homepage. It is separate from B9, and we can't say whether you will be offered one.
$200–$5,000 requested amount
Start My ApplicationFAQ
New members often start small. Advances start at $10, and B9 says your limit depends on how much you deposit, how often you get paid, your spending habits and whether you repaid earlier advances on time. Basic also caps advances at $250.
No. Premium raises the ceiling to $1,000, but B9 says what you get depends on your eligibility, and an advance can't be more than your next expected paycheck.
B9 doesn't publish a timeline or a formula, so we can't say.
B9 says deposits of $1,500 or more a month can raise your limit faster. It doesn't promise a specific limit.
In its help center article on how your advance limit is set. That article lists a lower Basic cap than B9's Terms of Service, so we use the Terms figure of $250.
10 facts checked against B9's published documents · Nov 2, 2026. How we check product details
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