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 $14,657.87. All loan offers on the ATM.com marketplace require your application and approval. Depending on the lender, other fees may apply, such as origination fees, or late fees. See lender's terms and conditions for additional details. You may not qualify for the lowest rates or the highest offer amounts or may not qualify at all.
Privacy Policy - https://www.atm.com/privacy-policy
Terms of Service - https://www.atm.com/terms-of-service
Facebook: https://www.facebook.com/atmdotcom/
Website: https://www.atm.com/
ATM.com, Inc
1600 Dove St
Newport Beach, CA 92660
I was skeptical at first, and I do have some issues that I will point out, but overall I don’t see why everyone isn’t using this. Atm is essentially using your data(which this may be a shocker, but almost all social apps do this for better refined ads) to give you your share of the cut. We’re talking matters of pennies, but those add up. They also give you reward offers for these ads you’ve seen, to give you a better startup on the advertised app, as well money back just for doing it through atm. From this I’ve gotten set up with multiple apps, and will be able to cash out 10$ in about 3 days once atm gets feedback from the other app that I’ve accepted the offer. Collectively though I have made 30$ off of returns through data and these rewards. Why I’m only able to pull out ten I don’t understand, maybe to limit the amount of withdrawals? And as far as getting that additional 20 out I’m not sure. That being said, I really have no reason to delete my account or the app. For me it’s just free money for ad share that I’ve already accepted to in using Facebook,Snapchat,insta, etc. for those worried that this puts their number on some list, that it’s going through their data on their phone like photos, music, whatever-stop being paranoid, in the modern world if someone wanted the contents of your phone they wouldn’t need you to download an app to get it. I was skeptical at first as well, but I’ve only gained from this app. And while the withdrawal requires a base of 20, if you go through the rewards (which all of them have been great for me) you’ll rack that up quick
Wonderful app!
Ari_the_Jedi
I felt compelled to write a review due to a surprising number of negative reviews on this app. It’s a legitimate app, you can easily make $10+ a day, and they do actually pay you. I’ve cashed out 3 times, and all have come through to my bank account. I’ve only had the app a couple of weeks, and I’ve used it actively for about 4-5 days. Two of those days I made $12 and one day I made $17. For a stay at home mom, that’s quite a bit of money. It’s nice to contribute a little bit of cash per day to the account I share with my husband. It’s important to look at this app for what it is—an easy, simple, enjoyable way to earn a bit of cash. Even if you only make $5 per day, that’s $35 per week. If you make $10 per day, that’s $70 per week, and $280 per month (before taxes obviously). I think that’s a pretty good deal. Definitely not a full time income, but if you’re supplementing either your own or your spouses income, this is great! I’ve been a stay at home mom/spouse for 7 years now, so it feels nice to contribute a little bit financially. Every little bit helps! A suggestion if you’re struggling to get the pay out you’re wanting, try doing the games and the surveys and alternate between them. Download multiple games, switch to another one if you get bored or stuck, then do a survey. Then repeat the pattern. You will make decent money doing that. Believe me! Just put it in perspective. Even .50 per day can nearly pay for a weekly Starbucks drink! But focus on it a bit, dedicate some time to it, and you could pay off some credit card debt, pay your water and power bills for the month (depending on how much you use), invest a little in stocks, or just save it. Anyways, thank you devs for making such a great app!! I hope you keep up the great work!!
Love this app, even though I did download for an advance and can’t get one!
Naye92!
I love this app. I have made over and withdrew $15. Basically I made like $18 but I only withdrew $15 so far. You need a minimum of $5 to withdraw your earnings and every time get $5, I withdraw it right away because I get too anxious and can’t wait, lol. I will say that fastest way to make money here is to do the surveys and invite people but you don’t get paid for the invites unless they actually sign up. I invited multiple people and no one signed up yet but you can see that you will get paid at least $3 just from one person. You still get paid fromA survey even if you don’t qualify for it. It won’t be as much as it says but it will still add up. Like if it says you can make 50 cents if you complete the survey but you start and don’t qualify, you would still get like 10 cents just from doing it. If you do get through it, you obviously get the whole 50 cents. The games take some time but if you find a game that you like, you will earn faster. I made $10 of the $15 literally in about 2 days. I withdrew $5 and the next day or two I made and withdrew the other $5. I did download it for the advance but for some reason, it says that my debit card is not the right card connected to my bank account which Im not sure why because it’s the only card I use that is connected to it. That’s why I gave it 4 stars.
Was good but why the ?
Wrdsbnd
Yes it’s good app t cashout lots of times. Then I was going to build of 15 before I cash out I most time cash out at 5 So I build it up to I have 16 nothing I do diffrent nothing at all I get a notifacatonn that there s been suspicious activity. Wich there was no activity at all just me playing games as normal and they want me to send identification picture And identification video where I’m holding up the video of Man holding ID saying the date which I did because the made up some activity that they refuse to tell me wich action I did to warrant me having to do this that’s was 2 weeks ago. And I have gotten not one reply back no communication at all just a auto generated email saying they received my request I didn’t request they did and there is no reason they have giving me why I can’t cash out if it’s my account then they can give me the action that was don to make them want me to send a video identification verification they told me ther was suspicious activity what was that activity that was suspicious why won’t you tell me why won’t you let me cash out because on my account the only thing that is suspicious is you asking me to do that with my identification every thang else on my account is what’s done each day nothing diffrent but j game I playing. So what’s the actions that make you think it’s not me 2 weeks nothing back not a word. I even went to contact me and nothing at all they went ghost on me that’s suspicious that’s the only thang that’s wrong so let me cash out asap
Bug fixes and optimizations.
Version 2.146.0
The developer, ATM.com, 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 Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Contact Info
Identifiers
Usage Data
Sensitive Info
Diagnostics
Other Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
ATM.com, Inc.
Size
213.4 MB
Category
Finance
Compatibility
Requires iOS 16.2 or later.
iPhone Requires iOS 16.2 or later.
Apple Vision Requires visionOS 1.0 or later.
Location
This app may use your location even when it isn’t open, which can decrease device battery life.