overdraftapps/cash-advance-apps

Overdraft Apps Cash Advance Directory

Structured comparison of US cash advance and earned-wage access apps maintained by Overdraft Apps.

This Hub listing mirrors the public machine-readable exports published at:

• Dataset JSON / CSV: https://overdraftapps.com/data/
  • cash-advance-apps.json
  • cash-advance-apps.csv
• Interactive directory homepage: https://overdraftapps.com/
• Scoring methodology: https://overdraftapps.com/methodology/
• Full markdown dump: https://overdraftapps.com/llms-full.txt

What's inside

38 apps (as of 2026-09-22) with editorial ODA scores (1–10), marketed max advances, subscription fees, express fee for a $100 advance (to an external bank when disclosed), a rough all-in cost estimate, state unavailability notes, per-row last_verified dates, and links back to directory cards and reviews.

ODA scores are editorial judgments, not consumer star ratings. Exact weighting is proprietary; factors are described on the methodology page.

Field definitions (plain language)

Field	Meaning
position	Sort order in the public table
name	App display name
product	Product name inside the app (when different)
oda_score	Editorial score out of 10
max_advance	Marketed maximum advance
subscription_fee	Monthly (or other) subscription text
express_fee_100	Fee to get about $100 fast to an external bank when disclosed
cost100_estimate	Rough all-in cost estimate for a $100 advance
free_trial	Whether a free trial is offered
tips_solicited	Whether the app prompts for tips
multiple_draws	Whether multiple draws per pay period are allowed
states_excluded	States where the product is unavailable (when known)
editors_pick	Whether it is marked Editor's Pick
card_url / article_review_url	Links back to overdraftapps.com
last_verified	Verification date for that row (from apps_master.json data_date)

Files

File	Format	Notes
cash-advance-apps.csv	CSV	Flat table for spreadsheets and datasets.load_dataset
cash-advance-apps.json	JSON	Same rows plus dataset metadata (last_verified, generated, summaries)

License

Creative Commons Attribution 4.0 International (CC BY 4.0).

You may share and adapt the dataset with attribution to Overdraft Apps and a link to https://overdraftapps.com/.

How to load

from datasets import load_dataset

ds = load_dataset("overdraftapps/cash-advance-apps")  # replaced on upload
print(ds["train"][0])

Or open the CSV/JSON directly from this repository or from overdraftapps.com/data/.

Caveats

• Fees and limits change. Confirm live in-app quotes before advising anyone to apply.
• Express fees marked as estimates on the site are not always a public tier schedule.
• State coverage is research-backed but may lag issuer policy changes.
• Overdraft Apps may earn commissions from some partners; editorial scores remain independent.
• This dataset is US-primary. For Canada comparisons, see PockBox.

Citation

Overdraft Apps. Cash Advance Directory Dataset.
https://overdraftapps.com/data/
https://huggingface.co/datasets/overdraftapps/cash-advance-apps

Contact

Site questions: https://overdraftapps.com/contact-us/ (info@overdraftapps.com).