ATM Cash Advance・Instant Money

ATM Instant Cash™ is an instant cash advance and cash rewards app for people who need fast access to real money or want to earn real cash. Get an instant cash advance* for unexpected expenses, emergencies, or to help avoid overdraft fees — with no credit check, no interest, and no late fees. Earn cash rewards through surveys, money games, cashback, and bonus offers, then withdraw your earnings to your bank account.

Who ATM Instant Cash™ is for:
󠁯•󠁏 People who need an instant cash advance for unexpected expenses
󠁯•󠁏 People who want to earn real cash rewards, not points
󠁯•󠁏 People who want to earn extra cash through surveys and games
󠁯•󠁏 People who want cashback on everyday spending
󠁯•󠁏 People who want personal finance tools for spending, budgeting, bills, and subscriptions

Earn Real Cash & Save Money. Earn cash from surveys, money games, cashback, data, and bonus offers. Get cashback from 500+ partners and withdraw earnings directly to your bank account—not points or gift cards—real cash rewards.
Personal Finance, Built In. Track spending by category or merchant for cashflow insights. Set budgets with overall or category limits. Monitor bills and spot unwanted or duplicate subscriptions.
Instant Cash Advance. Get quick access to an instant advance for unexpected expenses — no credit check, no interest, no late fees.
ATM.com is a financial technology company, not a bank or a lender. We are not a payday loan, cash loan, personal loan, peer to peer lender, title loan, or app to borrow money.

ATM.com is a non-recourse cash advance, not a loan or credit product. Repayment occurs via autopay transactions with no additional interest, penalties, or fees for failures. We do not report to credit bureaus or create debts that contribute to long-term debt accumulation.

After validating your information, you can access money when available. Membership is required to request cash advances; approval is not guaranteed. ATM Personal Finance Membership costs up to $5.99/month and provides access to ATM.com’s suite of financial products and services, including the services needed to maintain your account and bank connections.

Transaction Fees
Standard delivery (ACH): $0
Optional Express instant debit card delivery fees may apply if selected (You’ll see exact transparent pricing before confirming.)

Instant Cash Example
Instant Cash Advances do not require a 60 day minimum repayment timeframe. Instant Cash Advances similarly do not have a maximum repayment timeframe.

Advances are not money loans of any kind and do not create a contracted obligation to repay a money loan. Advances have 0% max interest rate with no late fees, origination fees, or impact on credit score.

Access $50 via standard ACH → Future Repayment $50
Access $50 via optional instant card delivery ( $7.00 transaction fee) → Future Repayment $57

Eligibility
Not all users qualify; available amounts vary.
Service may not be available in all states. See app for details.

Personal Loans
ATM.com displays personal loans in our marketplace with repayment terms from 12 months to 84 months and APR ranges from 5.99% to 35.99%. Example, if you receive a $10,000 loan with a 60-month term and a 16.21% APR, your required monthly payment would be 244.30(135.09 Principal + $109.21 Interest). If all 60 payments are made on time, the total paid would be $14,657.87. All loan offers on the ATM.com marketplace require your application and approval. Depending on the lender, other fees may apply, such as origination fees, or late fees. See lender’s terms and conditions for additional details. You may not qualify for the lowest rates or the highest offer amounts or may not qualify at all.

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Terms of Service – https://www.atm.com/terms-of-service
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Website: https://www.atm.com/

ATM.com, Inc
1600 Dove St
Newport Beach, CA 92660