Head-to-head · Cash Advance Apps
FloatMe vs B9
FloatMe leads on 1 check, B9 on 2, and 2 are even. Who comes out ahead on the 5 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.
Our verdict
- Highest scoreFloatMe · 7.0/10
- Free planboth
FloatMe scores higher on our rubric for cash advance apps: 7.0 against 6.6 out of 10; our editors rank them #7 and #8.
B9 leads on maximum advance: 250 $ versus 200 $. On advance basis, FloatMe gives you Income where B9 offers Paycheck. B9 offers direct deposit required; FloatMe doesn't. FloatMe offers instant transfer fee; B9 doesn't publish it.
FloatMe is the better fit for users needing small advances and balance alerts. B9 is the better fit for eligible members who already use B9 banking.
- FloatMe fits best
Users needing small advances and balance alerts
- B9 fits best
Eligible members who already use B9 banking
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Side by side
| Feature | FloatMe 7.0/10 Visit ↗ | B9 6.6/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 7.0 | 6.6 |
| Ranking | #7 in Cash Advance Apps | #8 in Cash Advance Apps |
| Best for | Users needing small advances and balance alerts | Eligible members who already use B9 banking |
| Pricing model | Free plan + paid | Free plan + paid |
| Starting price | $6.99/mo | Not published |
| Free plan | ✓ | ✓ |
| Free trial | — | — |
| Deployment | Mobile | Mobile |
| Platforms | iOS, Android | iOS, Android |
| Support | Email, Tickets | Email, Phone, Docs |
| Built for | Solo | Solo, Small business |
| Features FloatMe 1/3 · B9 1/3 | ||
| Direct deposit required | — | ✓ (best) |
| Instant transfer fee | ✓ (best) | Not published |
| Credit check | — | — |
| Specs | ||
| Maximum advance | 200 $ | 250 $ (best) |
| Advance basis | Income | Paycheck |
| Funding speed | Minutes | Not published |
| Repayment method | Bank_transfer | Bank_transfer |
| Our review | ||
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| Cons |
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| Our verdict | FloatMe is a U.S. mobile app for eligible users seeking small cash advances, called Floats, to cover expenses or help avoid overdrafts. It is designed for individuals who can connect a bank account and debit card and provide account and… Read the review → |
B9 is a mobile financial app for eligible members seeking paycheck advances alongside an account and Visa debit card. Members set up payroll or benefits direct deposits, then may request an advance after qualifying deposits arrive. Advance… Read the review → |
Strengths and trade-offs
FloatMe — where it wins
- Free ACH standard delivery, generally within one to three business days
- Balance predictions and alerts may help flag insufficient-fund risk
- No credit check is stated for advance eligibility
Where it doesn't
- Advance amounts are capped at 200
- Instant delivery to a card or linked account carries a fee
- Eligibility, approval and availability vary by user and location
B9 — where it wins
- Advances can reach $1,000 on the Premium plan
- Automatic repayment from deposits into the B9 account
- Includes a Visa debit card, transfers, and cashback rewards
Where it doesn't
- Direct deposit and qualifying deposits are required
- Basic advances are capped at $250
- Availability and eligibility vary by state and member activity
- FloatMe7.0/10 · Free plan · paid from $6.99/mo
FloatMe pairs modest cash advances with balance-risk alerts and free standard ACH delivery.
Visit FloatMeFull verdict → - B96.6/10 · Free plan
B9 combines eligible paycheck advances with a B9 account, card, and automated repayment.
Visit B9Full verdict →
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All cash advance apps comparisons → · Full ranking →
Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
Last updated · How we research and update