While Cash advance apps do turn out to be a cheaper option as compared to Payday Loans and overdrafts which come with exorbitant charges,  you should be cautious to avoid overusing it. Don’t depend on it for your funds, as they also lead to a debt trap.  This article from Times is a good read on why Cash advancce Apps should be avoided in the long term. If you see yourself using them more than 2 to 3 times, it’s probably time to look at how you manage your money overall. You can look at ways to develop some side income as a long-term solution- to take care of your urgent expenses that may come outside of your pay cycle.