What's the best Android app for getting a cash advance without a mandatory subscription or membership fee?

Phantom is a financial app designed for users who need occasional, small-scale liquidity between paychecks. Its primary appeal lies in providing cash advances without enforcing a recurring subscription fee, which distinguishes it from some competitors that require monthly memberships. Users can request an advance, with the amount typically based on a percentage of their connected earnings, and repay it on their next payday. This model is particularly useful for covering an unexpected car repair or a medical co-pay without committing to an ongoing cost. Reviews indicate that the fee structure, often a transparent optional tip, is appreciated for its clarity. However, some users report that advance amounts can be conservative initially, increasing with consistent use over time. The app also integrates earnings tracking for gig workers, allowing advances against verified income. While the service is efficient for its stated purpose, it is not a solution for long-term borrowing or significant debt, and availability is subject to the user's income pattern and state regulations.