ATM Instant Cash™ & Rewards
Earn, Budget, Save & Access Cash*
*Eligibility is based on review and approval. Not all applicants will be eligible for ATM Instant Cash™. Transfer fees may apply.
An app designed to put more money in your pocket
ATM Instant Cash™
Get up to $50* Instantly
Access cash quickly when unexpected expenses arise. No interest. No credit check. We're not a bank or a lender—just a smarter way to manage your finances.
Avoid Overdraft Fees
Help shield yourself from costly overdraft fees with quick access to emergency funds when you need them most.
Only $3.99/month
Unlock hassle-free cash access as a member. With just one low monthly fee, you gain continuous access to cash without the need for repeated applications. Membership puts financial control at your fingertips.
*Eligibility is based on review and approval. Not all applicants will be eligible for ATM Instant Cash™. Transfer fees may apply.
Rewards & Cashback
At ATM.com, we make it easy for you to earn extra cash while managing your finances. Discover the rewarding opportunities that fit seamlessly into your life:
- Game Rewards
Turn your gaming time into real money. Play popular games like Coin Master, Solitaire, and more, with the potential to earn up to $250 a month. It's fun, easy, and rewarding. - Paid Surveys
Share your opinions and earn! With quick and easy surveys that pay between $0.03 and $5.00 each, it's a simple and consistent way to boost your income. New surveys are added weekly. - Cashback Offers
Save money on your everyday purchases with cashback from over 500 verified partners. Whether you're buying groceries, fashion, or electronics, earn cashback effortlessly and grow your savings. - Location Rewards
Earn money passively by enabling location sharing. As you go about your day, you'll earn cash rewards just for visiting stores, making it one of the easiest ways to increase your earnings. - Daily Rewards
Get rewarded daily by answering a few quick questions. It takes less than a minute, and nearly a million users are already benefiting from this convenient daily earning opportunity.
ATM.com is designed to help you earn and save in ways that fit seamlessly into your lifestyle. Download the app today and start making the most of your time and money!
How to start with ATM Instant Cash™
- 1
Apply in minutes
See how much of an advance you qualify for with no credit check, just by linking the bank account where you receive income.
- 2
Request advances up to $50*
You have options when it comes to how much you take. We target an amount you can pay back without setting you back.
- 3
Cash out and spend
Your cash advance will arrive to your card within seconds. Spend it however you like.
- 4
Repay and request another
You agree to a settlement date when you take the advance*. We don't charge interest or late fees, so settling up won't come with surprises.
*Eligibility is based on review and approval. Not all applicants will be eligible for ATM Instant Cash™. Transfer fees may apply.
How members are using ATM Instant Cash™
Where quick advances can make a difference.
Food & Groceries
Housing & Utilities
Auto & Transport
Medical & Healthcare
Track your spending and boost your savings
Take control of your finances with detailed insights into your spending habits. Our budgeting tools help you monitor your expenses month over month, categorize your spending, and identify opportunities to save more. Whether it's cutting down on unnecessary costs or setting up personalized budgets, you'll have everything you need to help boost your savings and achieve your financial goals.
Personal Finance
$3.99/month
- Access to Instant Cash*
- Spending & cashflow insights
- Budgeting
- Subscription & bill tracking
- Low balance alerts
- 1 monitored account
Personal Finance +
$7.99/month
- Everything in Personal Finance
- Unlimited monitored accounts
- Custom categories
- Transaction export
- Real-time transaction sync
Achieve your financial goals with ATM!
Enjoy a free 30-day trial and cancel anytime!
*Eligibility is based on review and approval. Not all applicants will be eligible for ATM Instant Cash™. Transfer fees may apply.
Join millions of users and take control of your finances.
Got questions?
We've got answers to help you out.
From $25 all the way to $50 depending on your history and financial habits.
Eligibility and the advance amount are determined by a computer analysis of your primary linked bank account, using up to two years of historical income and expense data, along with other criteria. Your account must have a minimum of three consistent current direct deposits from the same source, a positive balance, and must meet other specific requirements.
No, ATM Instant Cash™ does not impact your credit score and does not consider it. There is no credit check involved, and ATM.com does not report to credit bureaus.
You repay your advance on the date of your next regularly scheduled direct deposit into your linked bank account. The repayment is automatically deducted or you can pay it back early without penalty.
No, there is no requirement to be a full-time employee. However, you must have a bank account with consistent direct deposits from the same source to be eligible.
You can typically receive your advance within seconds after the request is approved, regardless of business hours or holidays.
Approval time is variable and determined by the time it takes to analyze your account and ensure eligibility criteria are met.
If you are not eligible, your application will be declined, but you may re-apply after 30 days from the date of the decline notice.
ATM Instant Cash™ helps break debt cycles by offering non-recourse cash advances that do not involve high-interest loans or credit checks. This allows you to manage emergency expenses and avoid overdraft fees without incurring additional debt.
Yes, there are fees associated with ATM Instant Cash™. The Transaction Fee varies depending on the amount of the advance, ranging from $5 to 5% of the advance amount. Additionally, there is a $3.99 monthly Membership Fee for access to ATM.com’s Personal Finance tools, which includes ATM Instant Cash™.
Testimonials
Get the ATM app!
Earn cash rewards, budget smarter, and access cash when you need it most.
