Money should not cost you extra when you are already short

What CoverMe is

CoverMe is the home of CoverMe - Instant Cash Advance, an instant cash advance app for people in the United States. You tell the app how much you need, it checks whether you qualify, and if you are approved the money goes to your bank account. No interest, no credit check, no membership fee.

What CoverMe is not

• We are not a bank or a credit union.
• An advance is not a conventional loan: there is no interest and no finance charge.
• We cannot guarantee approval, an amount, or how fast your bank will post the money.
• We are not a substitute for a budget, a payment plan or professional financial advice.

How we make money

Not from a subscription, and not from interest. Where optional extras exist — faster delivery of funds, or a voluntary tip — they are always shown before you confirm and can always be declined without affecting your request. Requests submitted through the form on this website may be shared with lending partners, who may pay us a fee when they work with a request. That never changes the terms you are offered.

How we think about your data

A cash advance request holds some of the most sensitive information you own. Your connection is encrypted, your details are used to process the request rather than packaged up for open data marketplaces, and you can ask us to delete them. The details are in our Privacy Policy.

Borrow carefully

An advance is for a short gap, not a permanent shortfall. If you need one every single month, the advance is treating a symptom. Consider a payment plan with the company you owe, a local assistance program, or free guidance from a nonprofit credit counselor before taking on anything new.

Talk to us

Questions about the app, a request or your data? Contact us and a person will get back to you.