Eligibility

B9 Cash Advance Requirements

⚡ Requirements at a glance

You need a qualifying direct deposit into B9 — that's the make-or-break requirement.
SSN or ITIN is accepted; W-2, gig, and benefits income can all qualify.
No credit check — eligibility is based on deposits, not your score.

Last updated July 16, 2026 · Fact-checked against B9's live app listings ✓ Verified Jul 2026

Before you switch your paycheck, here's exactly what B9 asks for — and the situations where you won't qualify.

Core requirements

Age & residency: You must be a U.S. resident and of legal age to open an account.
ID + SSN or ITIN: B9 accepts either a Social Security Number or an ITIN, which makes it accessible to more people than some competitors.
A B9 account: Advances are only available to members with an open B9 account in good standing and a positive balance.
Qualifying direct deposit: The big one. You must set up a recurring direct deposit into your B9 account and receive at least one deposit before advances unlock.

What counts as income

B9 has qualified a wider range of income than paycheck-only apps: W-2 payroll, gig and part-time work, and government benefits such as SSI. Deposits from multiple employers can be combined toward your limit. Some guidance points to a minimum monthly income (commonly cited around $300–$500) to become eligible.

Availability by state

Not everywhereB9 advances are not available in all states, and terms can vary by location. Your available maximum is set at B9's discretion and shown in the app. Always confirm availability for your state before switching your direct deposit.

When B9 probably isn't for you

You can't or don't want to change your direct deposit.
You're paid only in cash and can't set up a qualifying deposit.
You need a large advance immediately — new limits start low.

In those cases, an app that links your existing bank account may be a better fit. Compare the models in B9 vs EarnIn or browse apps like B9.

Frequently asked questions

Can I get a B9 advance with an ITIN?

Yes. B9 accepts an SSN or an ITIN to open an account, which makes advances accessible to many people who can't use SSN-only apps.

Does B9 accept SSI or government benefits?

B9 has qualified benefits such as SSI as income. As with any deposit, it needs to arrive in your B9 account to count toward your advance limit.

Is there a minimum income for B9?

B9 doesn't publish a single fixed threshold, but guidance commonly points to roughly $300–$500 per month in qualifying deposits. Your limit scales with how much and how consistently you deposit.

Is B9 available in my state?

B9 isn't available in every state and terms vary by location. Check availability in the app before you move your direct deposit.