7 Salary Advance Apps in the UAE You Should Know About (2025)

We know how hard you work every day to support your family back home.

Every dirham you earn counts, and it should. But we also know that your salary doesn’t always drop on time when you're not on a fixed monthly payroll like your manager or someone in full-time employment. 

And if an emergency comes just before payday, it can make you panic.

In 2025, more and more workers like you in the UAE are turning to salary advance apps to get through such situations. These apps let you take a small part of your salary before the month ends, quickly, safely, and without having to ask anyone for help.

In this blog, we’ll show you 7 of the best salary advance apps in the UAE that are made for workers like you.

Why salary advance apps are useful for workers like you

If you have a hard time stretching your salary till the end of the month or find yourself struggling to manage unexpected expenses, you are not alone. Like when the rent is due, a family member needs urgent help back home, or you simply need money for food and can’t afford it, a salary advance can come to your rescue.

There are multiple salary advance apps and lenders that allow you to claim a part of your salary, or the income you’ve already earned, before payday. Their goal is to help you access funds when you need them, without falling into debt or borrowing from others.

The requirements are simple, too. You do not need to give any collateral, show your credit history, or even walk into a bank. Everything happens on your phone through an app or a website.

Some apps work directly with your employer, which makes it even easier. Others work independently, so you can still use them even if your company isn’t part of any program.

And the best part? When your salary comes in, the money is automatically paid back from your salary, so there’s no stress and no need to worry about remembering dates.

What to look for in a salary advance app

Not all salary advance apps are the same. Some are quick and honest, while others might be fraudulent or come with delays and hidden charges. If you’re thinking of using one, here’s what you should check before choosing:

Fast approval

The general approval process for personal loans usually takes 2–3 days, sometimes even a week. But with a good salary advance app, you can get the money in minutes or hours, not days, giving you access to funds when you actually need them.

No hidden fees

Quick loans often come with hidden fees because people are in a hurry and don’t always notice extra or unfair charges. Make sure the app clearly tells you how much it will charge, and avoid any option that hides fees or adds surprise costs later.

Low salary requirement

Salary advances are unsecured, which is why many lenders set a minimum salary requirement, often starting at AED 3,000 per month. If you earn less, they’ll likely reject your application. So, find an app that fits your salary range and situation.

Employer partnerships

There’s a fair chance your employer already has a financial partner offering salary advances. Check with your HR, as using the same option can make things smoother and safer. With employer partnerships, your salary is tracked automatically, repayments are easier, and there’s more trust on both sides.

7 best salary advance apps in the UAE (2025)

Below are 7 of the most helpful and trusted salary advance apps in the UAE in 2025:

Cashnow - Best for instant approval

If you need money urgently for a medical emergency, an unexpected rent payment, or to send money back home, Cashnow is one of the fastest options in the UAE. The app is fully digital, and you can get a salary advance in less than 5 minutes, without providing any collateral, paperwork, or bank statements.

There are no credit checks, and approval happens directly through the app. Once approved, the money goes straight to your bank account or Botim wallet (however you like). You can repay the amount later in easy installments, and everything is clearly explained upfront, with no hidden charges.

Best for: Workers who need fast access to money and don’t have time to go through lengthy approval steps, or non-salaried workers who do not receive a monthly salary and are exempt from any form of formal finance.

FlexxPay - Best for employer-integrated advances

FlexxPay is one of the most popular earned wage access platforms in the UAE, especially among companies in hospitality, retail, and construction. If your employer is partnered with FlexxPay, you will be able to access up to 50% of your earned salary before payday.

There’s no interest, just a small fixed fee (around AED 25) per transaction. The process is secure and fast because it is integrated into your payroll. The amount you take out is automatically deducted from your next salary, so you do not have to worry about remembering repayment dates.

Best for: Hotel staff, supermarket workers, cleaners, and security guards whose employers have partnerships with FlexxPay.

NOW Money - Best for low-income workers & payroll access

NOW Money was created keeping low-income migrant workers in the UAE who don’t always have access to regular banking services in mind. The app combines mobile banking with salary disbursement, and some companies that use NOW Money also offer salary advance features through the same app.

The app offers multiple other financial products. So, apart from getting a salary advance, users can also send money back home, recharge mobile phones, or pay bills from the app. It’s designed to be simple and easy to use, even for those who’ve never used a digital bank before.

NOW Money has a mobile wallet, which means you don’t need a traditional bank account to use it.

Best for: Housemaids, janitors, cleaners, and other workers earning AED 2,000-3,000/month who want a one-stop solution for salary, remittances, and advances.

Al Ansari Financial Services + Halan - Best for the underbanked

In late 2024, Al Ansari partnered with Halan to introduce a new salary advance service targeting the underbanked population in the UAE. Because many workers from construction, cleaning, or informal jobs still don’t have full access to banking, this solution aims to bridge that gap.

With this app, eligible users can receive small advances against their salary without needing a credit history or traditional bank paperwork. It’s a simple and safe way to access cash, especially for those who are paid in cash or through non-traditional payroll systems.

Best for: Workers without bank accounts, such as construction laborers, domestic helpers, and freelancers who need fast access to a part of their salary.

InnFinn - Best for WPS-Paid workers

If your employer pays you through the UAE’s Wage Protection System (WPS), InnFinn offers a fast, easy way to access up to 50% of your earned salary before the end of the month. The process is fully digital and takes less than a minute to complete.

All you need is your Emirates ID and a WPS-linked payroll account. The app doesn’t ask for a credit score, bank account, or extra documents. Once your identity is verified, you can get cash transferred almost instantly.

InnFinn is especially useful in industries like hospitality, retail, cleaning, and services, where WPS is common and workers often face cash shortages between paydays.

Best for: Workers in restaurants, salons, supermarkets, or cleaning companies who get paid through WPS and want a fast, app-based salary advance.

Sadiq - Best for small, fast cash and remittances

Sadiq offers small, short-term salary advances between AED 200 and AED 1,000, and also helps workers send money abroad, especially to African countries. The app is simple to use, requires minimal documents, and is made for people supporting families back home.

With Sadiq, the approval is fast, and there are no complicated terms, just a clear fee and a quick payout. You can even combine a salary advance with a money transfer in the same app. Also, it’s not employer-integrated, so anyone can use it, whether your company is involved or not.

Best for: Low-income workers like drivers, restaurant staff, delivery riders, or cleaners who need small amounts of money and want to send it home right away.

Payit “Money-on-Demand” via Ratibi - Best for workers without a bank account

If you’re getting your salary through a Ratibi card and don’t have a bank account, Payit offers a perfect solution. With its Money-on-Demand feature, you can access up to 50% of your salary instantly through the Payit app.

The advance is automatically deducted from your next salary, so there’s no pressure to repay manually. There’s no paperwork or credit check required, and it is helpful for workers earning AED 1,000 to AED 4,999 per month.

Best for: Workers without bank accounts who use Ratibi cards and want fast, simple access to a portion of their salary.

Conclusion

Living in the UAE to support your family back home and getting through the month on a tight salary can be tough. 

Salary advance apps like Cashnow are solving this problem by giving workers like you access to your own salary ahead of time, so you don’t have to wait till payday or borrow from friends.

Download the app today!