Cash advance — A cash advance is a short-term, small-dollar disbursement of money that the user repays from a future income source — typically through a credit card cash advance, a payday loan, or an Earned Wage Access (EWA) app.
Three categories: (1) credit-card cash advance — high APR (24-30%) plus 3-5% fee, available at any ATM; (2) payday loan — APRs of 200-400%, regulated state-by-state; (3) EWA — 0% APR, repaid from next deposit (Kronos, EarnIn, Dave, etc.).
EWA dominates 2026 for low-dollar ($100–$1,000) advances because it is structurally cheaper and faster.
Kronos cash advances are EWA: $250 free / $1,000 Pro at 0% APR. Funded in seconds, repaid from next deposit, no credit check.
Kronos Pro: $1,000 cap, 0% APR, no credit check, funded in seconds.