Cash Advance Apps

How much does FloatMe let you borrow?

How much does FloatMe let you borrow?

By Editorial Team
Last Updated: Apr 03, 2025

FloatMe lets you borrow cash advances starting from $10 up to $50 initially. Over time, you might be able to increase this amount to $100 or more, with a maximum of $200. The exact amount you can get depends on your eligibility, which is determined by your bank account history and income.

To qualify, you'll need a checking account that's been active for at least three months with a positive balance. You also need to receive consistent direct deposits from an employer of at least $150 per pay period. Keep in mind that self-employed individuals and independent contractors aren't eligible for cash advances with FloatMe.

Table of contents

Does FloatMe actually send you $200?How to get a bigger cash advance on FloatMe?

Does FloatMe actually send you $200?

Based on hundreds of different user reviews we analyzed, it seems highly unlikely for the average customer to get the $200 maximum amount advertised by FloatMe. Our data is drawn from reviews published in February and March 2025, providing the latest insights into FloatMe's current practices. The overwhelming consensus is that:

  • Don't expect $200: most people don't see anything close to a $200 advance from FloatMe.
  • Lower amounts only: at least 5 of those reviews explicitly mention they only received $20 advances (even after consistently repaying on time), while 3 reviews mention getting $50.

Despite some users noting that their advance amounts increased slightly over time, many express frustration with the small initial amounts and the slow pace of increases. If you're looking for a substantial cash advance, you might be disappointed—because according to most folks here, you'll probably just see $20 or $50 from FloatMe.

App reviews talking about Loan Amounts:
"...I like that they are going up on amount you can barrow 20 wasn’t enough 50 and up helps!"
"Great app helpful when in financial need just wish they would advance more $..."
"...The float amount is not that high, but after a couple times, it did go up and it’s very quick and easy"

How to get a bigger cash advance on FloatMe?

Many FloatMe users find that the initial cash advance amount is quite low, typically starting at $20. Some users report that by paying back their advances on time, their limit gradually increased to $50 or more, but mention that this process can take several weeks or longer.

To get a bigger cash advance on FloatMe, make sure to repay your advances on time or even early when possible. Consistent, responsible borrowing behavior may help in increasing your limit, though experiences vary among users.

If you're hoping to see your cash advance limit grow, patience and good repayment history are key. If after some time your limit isn't increasing, consider reaching out to FloatMe's customer support for more information or exploring other options.