Download FloatMe on your phone and follow these steps:

1. Sign up: Create an account with your email and phone number.
2. Eligibility check: Ensure you're eligible (18+, U.S. resident, valid SSN).
3. Connect bank account: Link your bank account (a connection fee may apply).
4. Request advance: Request a cash advance (up to $200).
5. Choose delivery: Select standard delivery (free, 1-3 business days) or instant delivery (fee applies, funds within 8 hours).
6. Set repayment: Confirm or choose your repayment date.
7. Authorize repayment: Accept the terms and authorize repayment from your linked bank account.

With FloatMe, you can receive your cash advance in 1 to 3 business days with the free standard transfer.

If you need your money sooner, you can opt for the instant transfer, which gets the funds to your debit card within 8 hours. This comes with a fee ranging from $1 to $7, depending on the amount you borrow. For example, you'll pay $1 for a $10 advance, $5 for a $50 advance, and $7 for advances up to $200.

Out of hundreds of reviews published in February and March 2025 that we analyzed, we found 50+ recent comments mentioning funding speed. Here’s what users say about it:

• Quick and easy: Over 50 users praise how fast they received cash—often calling it “instant”, “fast”, or “within minutes”. Many appreciate the app for providing immediate funds when they needed it most, like for gas or small expenses before payday.

Overall, users are pleased with FloatMe's quick funding speed.