Life doesn't wait for payday.
Get cash before payday, sent straight to your account. No credit check, no interest, no hidden fees — because it's your money, just a little early.
From $4.99/mo · Cancel anytime
How it works
Step 1
Sign up
Create your Carlos account in minutes.
Step 2
Connect your account
Securely link your bank so we can see your paycheck schedule.
Step 3
Request your advance
Get cash before payday, sent straight to your account.
Step 4
Repay on payday
We automatically settle up when your next paycheck lands.
Also in the app
More ways Carlos helps you
Earn
Play games. Take surveys. Get paid.
Complete offers and hit milestones in games you already love, then cash out real money.
Loan offers
Compare loan offers from trusted partners.
See personal loan options matched to your needs from our network of lending partners.
Cashback
Cash back at your favorite stores.
Activate a deal before you shop at hundreds of everyday brands and earn automatically.
Secure payments
Payments are processed securely through Stripe.
No hidden fees
Clear pricing on every product — no surprises.
Cancel anytime
No contracts. Cancel your membership whenever you want.
Frequently asked questions
Is the Carlos cash advance a loan?+
No. Carlos is not a lender. Cash advances are offered directly by Carlos, with no interest and no credit check — it’s an advance on money you’ve already earned, not a loan.
How much does Carlos cost?+
Carlos+ membership is $4.99/mo and unlocks cash advances, the Earn tab, and full financial marketplace access. Cancel anytime.
How do I earn cash back?+
Activate a deal on the Cashback tab before you shop at a participating store. Your purchase is tracked automatically and cash back is added to your Carlos balance.
How do I earn from games and offers?+
Open the Earn tab, complete games, surveys, or tasks, and your earnings post to your account as they’re verified.
Get cash before payday.
Download Carlos and get your first cash advance in minutes.