B9: Get Cash Advance Instant 4+

Earnin money before payday

B9, Inc.

Designed for iPhone

    • Free

iPhone Screenshots


B9 can provide up to $500 in cash advances with no credit check or interest. Get your paycheck early so you can pay bills, get cash, or transfer money!


1. Start depositing your paycheck into your B9 Account (we'll show you how in a few easy steps):

2. Confirm the B9 Advance amount you're eligible for. This is your limit.

3. Take out the money (up to your limit) you need—whenever you need it.

4. On your actual payday, your Account will be debited the amount of money you advanced- with NO INTEREST!

5. The more on-time payments you make, the more of your income we can advance to you over time!
6. If you are employed, we need to see that your paycheck is regularly deposited to your B9 Account. Each deposit must be at least $300. We require your total deposits to be at least $600 a month.
7. Any recurring direct deposits from multiple employers, side hustles, income from rentals or tutoring, and government benefits also qualify!




Basic Plan ($9.99/month)
- B9 Visa® Debit Card with 5% Cashback
- No-Fee B9 Advances (up to $100)
- No-Fee Instant Transfers to B9 Members
- Get advances instantly

Premium plan ($19.99/month)
- All the features in the Basic plan PLUS:
- B9 Advance of up to $500
- Credit Report
- Credit Score
- Credit Score Simulator

Our B9 Visa® Debit Card offers an accumulation of cashback every time you use it for fast food, gas, or restaurants.
- We will automatically match all the cashback you've earned during the year- dollar for dollar!

- Funds are FDIC insured up to $250,000 through Evolve Bank & Trust, Member FDIC
- Encrypted data protection for secure transfers

- Need help? Our B9 support team is ready to assist you

And many more languages


- No hidden fees
- No limit cash earning referral program


- You applied for a loan but got denied even though you get a paycheck every month
- You've looked into payday loans but didn't want the high-interest rates
- You're doing your best to spend less — but your month-to-month expenses are still more than you bargained for
- After all your careful planning and sacrifices, you're still living paycheck-to-paycheck


- Meet B9, the new revolution in fintech banking that gives you access to your paycheck 15 days early, NO-INTEREST!
- And THE ONLY fintech banking app truly designed to support your job, home, health, leisure, family— money.


"Finally found an app that's not as complicated as traditional banking; looking forward to getting my debit card in the mail!"

"I recently switched to B9 to transfer money easier between my family, and it's been a great experience. Their customer service is so fast, most of my family members only speak Spanish, and they were also able to have all their questions answered quickly!"
Dee Leonie

For more information, please visit bnine.com

B9 is not a bank. Banking services provided by, and the B9 Visa® Debit Card is issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

B9 advance is an optional service offered to anyone who has B9 checking account in good standing. B9 members can get up to $500 of their pay per one payment cycle. This service has no mandatory fees and only requires members to set up a recurring direct deposit to their B9 checking account. Advance limit may change at any time, at B9's discretion. See Terms of Services or contact B9 via support@bnine.com for additional terms, conditions, and eligibility requirements. May not be available in all states.

What’s New

Version 2.36.0

bug fixes and performance improvements

Ratings and Reviews

4.3 out of 5
2.7K Ratings

2.7K Ratings

Chi B46 ,

This place is very horrible

First let me say this I don’t leave reviews, But this place is the worst every from the app to the customer service and management , let me start by saying that I needed some cash this weekend I said I will try and get a early pay advance from one of my pay check from my part time job , first I got the app then register ok now mind you they wanted your ADP ok find what they did was because because both of my jobs are with ADP they taken the biggest Amount from my other job that I did not give them and I did not set it for direct deposit with that job to make a long story short they lied to me about setting up direct deposit and then I ask repeatedly is direct deposit set up they said no I told them to cancel this app they did and I get a email from ADP saying your direct deposit is set up I call and got a CSR that was rude and then I call back got another one that lied and I call back and gotten somebody I ask for a manager he got smart and he had the nerve to talk to me in the most indignant way like I was not smart told me in case you don’t understand like because I am black I guess he feel I was not educated I let him know I am very well educated and I will write a review on how this place is I do not recommend this place to no one but I take that back I don’t recommend this place to no one people that have a lot to lose in this place they are scammers and the most disrespectful people ever thank you so much manager for not helping Mr smart


5 stars reviews is because they offer payments for them

DO NOT BANK WITH THEM. THEY PAY FOR THEIR 5 STARS REVIEWS. There are fees for everything taken out money via Atm , via paypal, cash app, venmo, etc. Not low fee i would say pretty high. Advances only really help you first time honestly. Oh don't forget if you need support in UNDER 24 hours that PREMIUM you have to pay access for only 3 DAYS. ONLY 2 months with them and 3 TIMES so far on PAYDAY they DONT work like literally no APP ACCESS deposit are late after 5pm no support help and no really reason why. Oh lets not forget if you advanced and received ANY type DEPOSIT or deposit money from lets say apple cash your friend sent you ten you wanted to deposit OPPS it PAYS BACK YOUR ADVANCE. You had 30 in bank right now youthink you’ll have like 40 Right. NOPE YOUR AT 0 until next pay. OH. Return t shirt got money boom they take it for the advanced with what evermore you have in the ACCOUNT. NOT WORTH A SINGLE MOMENT TIME. BANKING WITH B9 its likes having an CHILD in CHARGE of all your money. Most of us looking for banking options like this is because WE ARE stretching THIN and im letting you know THIS bank will only CAUSE MORE STRESS LESS HELP AND CRYING TEARS. ALSO THEIR MEMBERSHIP FEE every MONTH. Ps DONT DO IT NOT WORTH IT. Oh by the way how do i know the pay for review every week hey submit your review well sent you money. Thats email i get every week

Developer Response ,

We're sorry to hear you feel that way. Our goal is to help our members get their next paycheck stress-free. All our fees are displayed in the app before our members complete their transactions. We always provide an advance to our members when they keep their direct deposit connected, follow the deposit minimums, and their recurring deposit is credited into their B9 Account. We require a min of $300 p/direct deposit or min $600/m to qualify for an advance, and it needs to be recurring. We encourage our members to deposit their entire recurring paycheck into B9 account to unlock up to $500 advance. Many of our customers get up to $30 even before their deposit is credited into their B9 account. It depends on various factors, including your employment history, and current employment status.

We offer free transfers to any U.S. bank account, including Cash App using its banking details. We only charge a fee of 2% or min $1.5 for instant (almost real-time) withdrawals to other apps like Cash App. Most similar apps charge Instant/Turbo cash-out fees from 1.5%-3.0% or higher. However, B9 never charges any Instant Fees for crediting your Advance into your B9 Account; all our advances are credited instantly at no additional or mandatory fee. When you use your B9 Visa® Card to pay for your purchases, we reward you with a cashback of up to 5%! It's enough to pay off your monthly subscription fee and make your B9 app and Advance fee- and interest-free!

We offer our members to subscribe to any of two simple monthly plans: basic plan of $9.99 and a premium monthly plan of $19.99 (or $47 for three months, which makes it $16/m). Premium plan includes more perks and free features, including credit monitoring tools. It’s a great value for those who want to stay on top of their credit and cash-out up to $500 of their next pay.

Don't hesitate to contact our support via an in-app chat or support@bnine.com and talk to us! We want to win you back and improve!

greentwjr ,

Do Not Use This App!!!

This has to be the worst app designed by incompetent people. Too many issues to list them all but to highlight one big one. They list out the steps to get an advance. They conclude it with on payday, they will debit the advance from your direct deposit and you can then request another advance. If this was the case, that would be fine. Seems consistent with others who promote similar apps. HOWEVER, what they fail to mention, and yes, it’s written, hidden in some long paragraph on their terms and conditions, is that any deposit that hits the account…ANY DEPOSIT, will trigger the advance to be repaid. For example, if a merchant is crediting back an item to your card for a return, it will trigger the advance to be repaid. I have a $180 advance. At the time, I had a $50 balance in the account. I had a return credit for a return of an item after Christmas of $100 hit and it triggered a payback of my $180 advance which left me a negative balance and therefore ineligible to receive another advance due to the negative balance. I thought the whole point of direct deposit was to ensure payback of advance on payday as they state. Customer Service is the worst too. Might as well be talking to a wall. Stay away from this app. Learn from my mistake.

Developer Response ,

Hello, we're sorry to hear that! We've helped thousands of our members to break free of financial stress. B9 always provide an Advance of up to our members when they keep their direct deposit connected, and their recurring deposit is credited into their B9 Account. Your advance limit will grow faster when you increase your direct deposit in your B9 Account. B9's algorithm recalculates your advance limit every 14 days. We require a min of $300 p/direct deposit or min $600/m to qualify for an advance, and it needs to be recurring. We encourage our members to deposit their entire recurring paycheck into B9 account to unlock up to $500 advance. Many of our customers get up to $30 even before their deposit is credited into their B9 account. Please get in touch with our support via an in-app chat or support@bnine.com and talk to us! We want you back!

App Privacy

The developer, B9, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Contacts
  • Identifiers

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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