ATM Instant Cash™ & Rewards

How much can I request at a time?

From $25 depending on your history and financial habits.

What determines my eligibility and advance amount?

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.

Does Instant Cash impact my credit score or consider it?

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.

When do I repay my advance?

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.

Do I need to be a full-time employee?

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.

How long does it take to receive my advance?

You can typically receive your advance within seconds after the request is approved, regardless of business hours or holidays.

How long does it take to get approved?

Approval time is variable and determined by the time it takes to analyze your account and ensure eligibility criteria are met.

What if I'm not eligible?

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.