B9 Cash Advance (B9 Advance): Limits, Fees and How It Works
Get part of your pay before payday with no interest. It's repaid automatically from your next deposit.
Up to $1,000 per pay period with Premium · up to $250 with Basic
View B9 terms · Visit B9
Key Product Details
B9 says it's not a consumer loan product, and advances are non-recourse. We list it under Loans & Cash Advance for comparison only. View B9 terms · B9 on loans
No Interest. Pay a Plan, Plus an Express Fee Only if You Want It Instantly.
| Plan | Monthly fee | Advance limit |
|---|---|---|
| Basic | $9.99 | $10–$250 |
| Premium | $19.99 | up to $1,000 |
New members start small. An advance can't exceed your next expected paycheck.
How your limit can grow
- How much you deposit — $1,500+ a month can raise your limit faster
- How often you get paid
- Spending habits, including $100+ in groceries with the B9 card
- Whether you repaid earlier advances on time
Example: $100 advance
Instant delivery costs $6.99–$14.99. Standard delivery is free. Add the $9.99 Basic plan for that month unless it's waived. Tips are optional and refundable within 30 days.
What You Need
- 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
Counts as payroll: employer wages, salaries or tips, plus federal or state benefit programs. Meeting these doesn't guarantee an advance.
B9 Cash Advance
Not on B9's exclusion list
Confirm in the B9 app.
B9 Credit Builder
Not yet confirmed
B9 Credit Line Loan
California residents only
Five Steps From Sign-Up to Repayment
Open a B9 Account
Sign up in the B9 app.
Choose a plan
Basic $9.99 or Premium $19.99/mo.
Set up direct deposit
Route your paycheck to B9.
Request an advance
Free standard, or instant for a fee.
Repay automatically
Comes out of your next deposit.
Repayment & Credit Impact
Repayment
- B9 applies incoming deposits to the advance, trying your B9 Account first, then linked accounts
- If unpaid after 14 days, B9 starts repayment, with up to 3 more attempts
- After 15 days unpaid, B9 may pause new advances until it's repaid
- Overdraft fees from a repayment attempt are reimbursed for residents of KS, MO, NV, SC, WI
Credit impact
- No credit check to get an advance
- B9 says it won't pursue debt collection, sell the debt or report you to a consumer reporting agency
- On-time repayment doesn't build credit
Want to build credit? See B9 Credit Builder
Benefits & Limitations
Benefits
- No interest
- No credit check
- Free standard delivery
- SSN or ITIN accepted
- Repaid automatically
Limitations
- Membership from $9.99/month
- Instant delivery costs up to $49.99
- New members often start at $10
- Not offered in 6 states
- Doesn't build credit
Looking for a personal loan instead?
B9 Cash Advance is earned wage access, not a personal loan. If you want to request a personal loan from independent lenders, you can use the request form on our homepage. It is separate from B9 and is not a B9 application.
$200–$5,000 requested amount
Start My ApplicationB9 Cash Advance FAQ
B9 says B9 Advance is earned wage access and "not a consumer loan product." It has no interest, and B9 states it has no legal claim against you if an advance isn’t repaid.
Advances start at $10 for new Basic members and go up to $250 on Basic or $1,000 on Premium with an established history. An advance can’t be more than your next expected paycheck.
Standard delivery is free and can take up to 5 business days. Instant delivery costs an express fee based on the advance amount.
B9 tries to collect from incoming deposits. If an advance isn’t repaid within 15 days, B9 may unenroll you from advances until it’s repaid. B9 says it won’t pursue debt collection or report you to a consumer reporting agency.
No. B9 says it doesn’t run credit checks or pull credit reports for B9 Advance.
No. Tips are optional, and B9 refunds a tip if you ask within 30 days of repaying the advance.
33 facts checked against B9's published documents · Nov 2, 2026 · 1 not yet confirmed · 2 not published by B9. How we check product details
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