The Albert Instant Advance & Loan is a fintech account from Albert Instant Advance & Loan. Application typically pulls a credit report from Experian. The annual fee is $0. The ongoing APR is Advance: 0% interest; Loan: varies by creditworthiness. Rewards: Cash back on spend.. Cash back: Cash back on spend.. Funding speed: Transfer to an external account within minutes.. Loan terms: Limits range from $25-$1,000, subject to eligibility.. Advance: no credit check, based on income/account history, does not build credit. Loan: soft pull first, hard pull if proceeding. Loans via FinWise Bank.