Get Cash Fast, Build Credit, Grow Savings | Boost Money™ | Upgrade

Boost Money™

Get cash fast, build credit

4.9 rating, 97K reviews on the App Store® and Google Play™

Subject to eligibility. 1 BoostCash™ amounts range from initial $20 to $500 over time. 10.00% APY and express delivery requires a $9.99/month Premium subscription. 1-month free trial for select customers. Cancel anytime.

Bridge the gap between paydays with BoostCash™

Get an interest-free cash advance fast - We'll automatically align your repayment due date with your next expected paycheck. 1

Boost Money™ Card

Unlike a debit card, you can build credit while using your secured card responsibly! 4

No minimum deposit, spend up to your available balance. No interest. 3

Boost Money™ is better with Premium [5](/content/boost-money/

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10.00% APY on savings balances up to $1,000 [2](/content/boost-money/

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Earn an industry-leading APY

No minimum balance to earn 10.00% APY on savings balances up to $1,000, and 3.05% APY on balances over $1,000. APY stands for annual percentage yield. It’s the amount of interest your savings will earn over the course of a year.

Unlock up to $500 [1](/content/boost-money/

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Go Premium - the fast track to higher advances

Get larger BoostCash™ advances faster to help you cover gas, groceries, emergencies, or bills. We'll automatically align your repayment due date with your next expected paycheck. No interest or late fees. Subject to eligibility.

Free express delivery for BoostCash™ advances

Fast access - We’ve got you covered

Get all of your BoostCash™ advances in minutes - without the express delivery fees competitors charge!

Personal Identity Theft

Restore your identity and peace of mind

Safeguard your identity. Reimbursement for covered expenses you incur to restore your identity. Easy claim process. Learn more.

Retail protection benefits

Your shopping superpower

Travel protection benefit

Book travel with confidence

Prepare for the unexpected - get reimbursed for your non-refundable common carrier ticket up to $2,000 in the event your trip is cancelled or interrupted. Learn more.

VIP Customer Service

Priority support when you need it most

Your own dedicated priority support line. Whether you have questions or issues, we're here to help.

All Boost Money™ customers enjoy

BoostCash™ advances up to $500 1

Build credit while using your card responsibly. 4 Spend up to your available balance

Credit score monitoring, tools, and alerts - easy sign up

No overdraft fees 7

Mobile check deposit with monthly Eligible Direct Deposits

Get paid up to 2 days early with direct deposit 6

Access to 55,000+ fee-free ATMs through Allpoint® 7

Put your savings on autopilot with Save My Paycheck

How BoostCash™ works

Get Your First Advance

It’s easy - just link the bank account where you get your paycheck to see if you qualify.

Unlock Higher Advances

Increase your BoostCash™ limit faster by switching your direct deposit to Boost Money™ Spend, and making recurring direct deposits and on-time payments. 1

Get Free Express Delivery

Try our Premium plan and get unlimited free express delivery of your BoostCash™ advances. 1

From Upgrade customers

“The upgrade app is great, it's easy to use and seems very secure will definitely recommend it to anyone”

Rating points 5 of 5

Jordan H.

FAQ

What is BoostCash™?

If you're low on funds, BoostCash™ advances help you bridge the gap between paydays. Whether you need money for gas, groceries, emergencies, or bills - we've got you covered.

We'll automatically align your due date with your next expected paycheck to streamline the process. No interest or late fees. Subject to eligibility 1.

How can I get BoostCash™?

It’s easy to get started. After you sign up for Boost Money™, you'll be prompted to link the bank account where you get your paycheck to see if you qualify. You can also get BoostCash™ advances by switching your direct deposit to your Boost Money™ Spend account. It's quick and easy to search for your employer or payroll provider, connect, and qualify for your first BoostCash™ advance. If you can't find your employer or payroll provider in our app, you can provide your account details directly to your employer.

How much does BoostCash™ cost?

You can get BoostCash™ advances in 3-5 business days at no additional cost. There's no interest and no late fees. Or get a $9.99/month Premium subscription and access our top-tier benefits such as high-yield savings and free express delivery of BoostCash™ advances. 5 Cancel anytime.

How can I get BoostCash™ advances even faster?

We get it. Life doesn't wait. If you need gas to get to your job, 3-5 business days isn't going to cut it. Our Premium $9.99/month subscription offers high-yield savings and unlimited free express delivery of BoostCash™ advances, along with other awesome benefits 5. Keep it moving with Boost Money™ Premium and express delivery.

How can I increase my BoostCash™ limit?

Your BoostCash™ limit is based on several factors including your average direct deposit amount and your repayment history. Typically, higher direct deposit amounts will unlock higher BoostCash™ limits. With continuous on-time repayments, your BoostCash™ limit may increase up to $500 over time for eligible customers. 1 Amounts from $250-$500 require direct deposits to a Boost Money™ Spend account. Get faster access to larger BoostCash™ advances up to $500 with Premium 5, or by making recurring direct deposits to a Boost Money™ Spend account and on-time payments. 1

Is BoostCash™ available in every state?

While BoostCash™ is available to eligible Boost Money™ customers in most states, certain states are excluded. Please check our eligibility page to see the current list of states where BoostCash™ is not available. We are working to expand our state coverage.

What is a Premium subscription? What are all of the benefits?

Boost Money™ is pretty great on its own, but with Premium, it's like having a superpower! Think of it as your all-in-one app designed to help you boost your money game.

For only $9.99 per month, you'll get access to all of these Premium benefits⁵:

What if I'm not a Premium member? What benefits do all Boost Money™ customers enjoy?

All Boost Money™ customers enjoy the following features and benefits:

How can the Boost Money™ Card help me safely build credit?

First add funds to your Boost Money™ Spend account. Then spend up to the available balance on your Boost Money™ Card.1 Enable Safe Mode automatic payments to help ensure your payments are on-time. We'll report on-time payments to the three major credit bureaus (Transunion®, Experian®, and Equifax®) to help you build credit over time. 4

Unlike other traditional secured credit builder cards, the Boost Money™ Card 3 offers:

Is Boost Money™ a company?

No, Boost Money™ is provided through Upgrade, Inc. Upgrade is a financial technology company that offers affordable and responsible credit, mobile banking, and payment products to mainstream consumers. Since its inception in 2017, Upgrade has delivered over $42 billion in credit to over 7.5 million customers. Upgrade's platform includes six core products: Personal Loans, Credit Cards, Mobile Banking, Flex Pay, Home Improvement Financing and Auto Financing. All loans, Personal Credit Lines, checking and savings accounts, and Boost Money™ products are provided by Upgrade's bank partners. Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs.

Upgrade is headquartered in San Francisco, California, with an operations center in Phoenix, Arizona, a technology center in Montreal, Canada, and regional offices in Atlanta, Georgia, and Irvine, California.