ATM Instant Cash™ helps you get an instant cash advance and earn real cash rewards. Handle emergencies, avoid overdraft fees, and access money fast — no credit check, no interest, no late fees. Earn cash with surveys, games, cashback, and bonus offers. All-in-one cash advance, cashback, surveys, games, budgeting.
Why people use ATM.com
Instant cash advance / instant money for unexpected expenses Real cash rewards (not points): withdraw earnings to your bank account Surveys + games to earn extra cash Cashback from 500+ partners to save on everyday spending Personal finance tools: spend tracking, budgeting, bills, and subscriptions
ATM.com helps you earn from your data, games, surveys, cashback, and bonus offers—while providing personal finance tools and access to cash. Earn rewards and cashback from over 500 partners to save more. Withdraw earnings directly to your bank account—not points or gift cards—real cash rewards.
Personal finance, built in
ATM Personal Finance (bundled with ATM Instant Cash™) includes spend tracking and budgeting in one place. Track spending by category or merchant for cashflow insights. Set budgets with overall or category limits. Monitor bills and spot unwanted or duplicate subscriptions. Get quick cash access for unexpected expenses—no credit check, no interest, no late fees.
Disclosures & Pricing
App Access Free to download
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. Instant Cash 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 nor create debts that contribute to long term debt accumulation. By validating your information, you can access money whenever you want to. Membership is required to request cash advances; approval of your request is not guaranteed. ATM Personal Finance Memberships costs up to $5.99/month and provides access to ATM.com’s suite of financial products and services and cover the costs 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 Loans of any kind and do not create a contracted obligation to repay a 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
Frequently asked questions
If you're an Android user and don't download the app from the official Google Play Store, you may find the installation process more complicated than usual.
But we are delighted to inform you that you don't need to worry. To ensure you could install this app smoothly, we have written and uploaded a detailed tutorial. It would guide you on installing an app after downloading it from our website step by step, with the help of pictures.
If you need further help, please do not hesitate to contact us via email [email protected].
We fully understand your concern about safety. We agree that one person wouldn't be too careful in the cyber world. Meanwhile, we are happy to tell you that one of our priorities is to provide our users with safe app files that they can use without any worries.
We guarantee that all the app files we provided originate from official and reliable sources. We promise that they do not contain any malware that will harm your hardware or the safety of your privacy.
We are glad to let you know that the vast majority of apps on our website are available for free download. Only a small selection of apps require payment, and their prices are set solely by the respective developers—we simply provide an official and secure download platform.
Rest assured, whether an app is free or paid, every download link on our site is verified and completely safe. You can download with confidence, and no account registration is needed—just click the download button and you're all set!
Recently we received a lot of emails from our users, which said they couldn't log in for different reasons, such as "forgot the user name or password" or "had a new phone." We are willing to help you out. Please read the notes below to see what we can do.
To answer this question, please first let us know which account you're referring to.
If you're referring to your account of some app, like your Facebook account or your Youtube account. Unfortunately, we would not be able to help in this case. We would suggest you turn to the customer service of this application.
If you're referring to your Appurse account, we should apologize for your confusion since there is no Appurse account. We never require registration for our service, and you will not find any procedure related to creating an account or registering on our website.
This question is essentially quite similar to the prior one. It's a pity that we are unable to help you to cancel the subscription to a third-party application directly, while we would suggest you to contact its customer service for further information.
Sorry that we are unable to help you to get a refund from a third-party application directly. If you wish to get a refund from a third-party app, we would suggest you to contact its customer service. We would be happy to provide you the way to contact them.
If you want a refund from us, we should apologize for your confusion. Our service is 100% free, and any payment information is not required.
If you run into any site that asks you to provide your payment information, be careful. Remember never reveal your payment information to any unauthorized third parties, no matter how attempting their offer may seem.
Sorry that we cannot answer this question directly, for this only aims to answer some general questions. You may find how to use a certain app by checking our review page.
