10 Cash Advance Apps That Cover You ‘Til Payday [2024] 💰

computer screen showing dialog box

Quick Answer: Looking for apps like Earnin that can provide you with a cash advance until your next paycheck? We’ve got you covered! In this article, we’ll introduce you to 10 top-notch cash advance apps that can help you bridge the gap between paydays. Whether you need a small amount or a larger advance, these apps offer flexibility, convenience, and fast funding. Let’s dive in and find the perfect app for you!

Table of Contents

Quick Answer

Looking for apps like Earnin that can provide you with a cash advance until your next paycheck? We’ve got you covered! In this article, we’ll introduce you to 10 top-notch cash advance apps that can help you bridge the gap between paydays. Whether you need a small amount or a larger advance, these apps offer flexibility, convenience, and fast funding. Let’s dive in and find the perfect app for you!

👉 CHECK PRICE on: Cash Advance Apps | Earnin | Brigit | Empower | Dave | MoneyLion | SoLo Funds | Klover | Chime

Quick Tips and Facts

  • Cash advance apps provide short-term loans that allow you to access a portion of your upcoming paycheck before payday.
  • These apps offer a convenient and flexible way to cover unexpected expenses or bridge the gap between paychecks.
  • Cash advance apps typically charge fees for their services, so it’s important to understand the costs involved.
  • Most cash advance apps require you to have a steady income and a checking account for direct deposit.
  • It’s essential to use cash advance apps responsibly and only borrow what you can comfortably repay.

Background: The Rise of Cash Advance Apps

black and white concrete building

Cash advance apps have gained popularity in recent years as a convenient alternative to traditional payday loans. These apps allow you to access a portion of your upcoming paycheck before payday, providing a financial safety net for unexpected expenses or emergencies. With the rise of the gig economy and irregular income streams, cash advance apps have become a lifeline for many individuals who need quick access to funds.

Summary of Cash Advance Apps

Video: 7 Similar Apps to Earnin For Small Cash Advances | Similar Apps to Earnin Cash Advance.







Here’s a summary of the top cash advance apps available today. We’ll dive into each app in more detail later in the article.

AppLoan AmountSpeed without FeeFast-Funding FeeOther FeesApps Like™ Rating
Brigit$50 to $2501 to 3 days$0.99 to $3.99$9.99 or $14.99 monthly subscription fee8.5
EarninUp to $100 per day, $750 per pay period1 to 2 days$1.99 to $4.99No other fees9.0
Empower$10 to $2501 day$1 to $8$8 monthly subscription fee unless you opt out8.2
DaveUp to $5002 to 3 days$3 to $25$1 monthly membership fee8.7
MoneyLionUp to $5001 to 5 days$0.49 to $8.99No other fees8.3
SoLo FundsVariesVariesVariesNo other fees8.1
KloverVariesVariesVariesNo other fees8.4
ChimeVariesVariesVariesNo other fees8.6

Now, let’s take a closer look at each cash advance app and what sets them apart.

Brigit: Best for Budgeting Tools

Video: Watch This BEFORE You Download Brigit!! | Best Budgeting App Review 2021.







Brigit is not just a cash advance app; it’s a comprehensive financial tool that helps you manage your budget and avoid overdraft fees. With Brigit, you can access cash advances of up to $250 to cover unexpected expenses. The app analyzes your spending patterns and predicts when you may run low on funds, sending you alerts and offering cash advances to prevent overdrafts.

Apps Like™ Rating: 8.5

Brigit Rating Table

AspectRating
Design9
Functionality8
Performance9
Cost-Effectiveness8
Overall Score8.5

Design (9/10)

Brigit features a sleek and user-friendly design, making it easy to navigate and access the features you need. The app’s interface is intuitive, with clear instructions and helpful visuals.

Functionality (8/10)

Brigit offers a range of useful features, including cash advances, budgeting tools, and alerts to help you stay on top of your finances. The app integrates seamlessly with your bank account, providing real-time updates and insights into your spending habits.

Performance (9/10)

Brigit performs exceptionally well, with fast and reliable cash advances and accurate predictions of your upcoming cash flow. The app’s algorithms analyze your financial data to provide personalized recommendations and ensure you have access to funds when you need them.

Cost-Effectiveness (8/10)

While Brigit charges a monthly subscription fee of $9.99 or $14.99, the app’s budgeting tools and overdraft prevention features can help you save money in the long run. By avoiding costly overdraft fees, you can maintain better control over your finances.

👉 CHECK PRICE on: Brigit

Earnin: Best for Large Advances

Video: 5 Instant Cash Advance App Like Earnin | Similar Apps That Work Like Earnin Cash Advance 2024.







Earnin is a popular cash advance app that allows you to access up to $100 per day or $750 per pay period. The app offers a unique “tip” system, where you can choose to leave a voluntary tip to support the service. Earnin also offers a Balance Shield feature that helps protect you from overdraft fees by automatically depositing cash into your account when your balance is low.

Apps Like™ Rating: 9.0

Earnin Rating Table

AspectRating
Design9
Functionality9
Performance9
Cost-Effectiveness9
Overall Score9.0

Design (9/10)

Earnin boasts a clean and intuitive design, making it easy to navigate and access the features you need. The app’s interface is user-friendly, with clear instructions and helpful prompts.

Functionality (9/10)

Earnin offers a range of useful features, including cash advances, Balance Shield, and a community-driven approach to financial support. The app’s features are designed to help you manage your finances and avoid unnecessary fees.

Performance (9/10)

Earnin performs exceptionally well, with fast and reliable cash advances and a seamless user experience. The app’s algorithms analyze your income and spending patterns to provide accurate advance amounts and ensure you have access to funds when you need them.

Cost-Effectiveness (9/10)

Earnin operates on a voluntary tipping system, allowing you to choose how much you want to contribute to support the service. While there are no mandatory fees, leaving a tip helps sustain the app and its mission to provide fair and accessible financial services.

👉 CHECK PRICE on: Earnin

Empower: Best for Fast Cash

Video: Top 10 Generous Cash Advance Apps That Work And Don't Ask Too Many Questions (2024) CREDIT S4E25.







Empower is not just a cash advance app; it’s a comprehensive financial platform that helps you take control of your money. With Empower, you can access cash advances of up to $250 to cover unexpected expenses. The app also offers budgeting tools, personalized recommendations, and a high-yield savings account to help you grow your wealth.

Apps Like™ Rating: 8.2

Empower Rating Table

AspectRating
Design8
Functionality8
Performance8
Cost-Effectiveness9
Overall Score8.2

Design (8/10)

Empower features a modern and visually appealing design, making it enjoyable to use and navigate. The app’s interface is clean and intuitive, with easy access to all the features and tools.

Functionality (8/10)

Empower offers a wide range of features, including cash advances, budgeting tools, spending analysis, and savings recommendations. The app’s functionality is designed to help you make informed financial decisions and achieve your money goals.

Performance (8/10)

Empower performs well, with fast cash advances and accurate financial insights. The app’s algorithms analyze your income and spending habits to provide personalized recommendations and ensure you have access to funds when you need them.

Cost-Effectiveness (9/10)

Empower offers a free basic plan with limited features, as well as a premium plan for $8 per month. The premium plan unlocks additional benefits, such as higher cash advance limits and access to a high-yield savings account. The cost of the premium plan is justified by the value it provides in terms of financial management and growth opportunities.

👉 CHECK PRICE on: Empower

Dave: Best for Repayment Flexibility

Video: Best Cash Advance Apps Like Dave | Best Apps like Dave to Get Cash Advances Easily.







Dave is a cash advance app that offers up to $500 in advances to help you cover unexpected expenses. What sets Dave apart is its unique approach to repayment flexibility. The app analyzes your spending patterns and predicts when you may need a cash advance, offering you the option to request one in advance. Dave also offers a “Side Hustle” feature that helps you find additional income opportunities.

Apps Like™ Rating: 8.7

Dave Rating Table

AspectRating
Design9
Functionality8
Performance9
Cost-Effectiveness8
Overall Score8.7

Design (9/10)

Dave features a sleek and user-friendly design, making it easy to navigate and access the features you need. The app’s interface is intuitive, with clear instructions and helpful visuals.

Functionality (8/10)

Dave offers a range of useful features, including cash advances, spending analysis, and income opportunities. The app’s functionality is designed to help you manage your finances and find additional sources of income.

Performance (9/10)

Dave performs exceptionally well, with fast and reliable cash advances and accurate predictions of your upcoming cash flow. The app’s algorithms analyze your financial data to provide personalized recommendations and ensure you have access to funds when you need them.

Cost-Effectiveness (8/10)

Dave charges a $1 monthly membership fee, which grants you access to its cash advance and budgeting features. While the membership fee may seem small, it’s important to consider whether the benefits outweigh the cost for your specific financial needs.

👉 CHECK PRICE on: Dave

MoneyLion: Best for Existing Customers

Video: 5 Cash Advance App Like Moneylion | Top Similar Apps Like MoneyLion Instant Cash Advance Apps.







MoneyLion is a comprehensive financial platform that offers a range of services, including cash advances, credit monitoring, and investment opportunities. With MoneyLion, you can access up to $500 in cash advances to cover unexpected expenses. The app also offers a rewards program that allows you to earn cashback on eligible purchases.

Apps Like™ Rating: 8.3

MoneyLion Rating Table

AspectRating
Design8
Functionality9
Performance8
Cost-Effectiveness8
Overall Score8.3

Design (8/10)

MoneyLion features a modern and visually appealing design, making it enjoyable to use and navigate. The app’s interface is clean and intuitive, with easy access to all the features and tools.

Functionality (9/10)

MoneyLion offers a wide range of features, including cash advances, credit monitoring, investment opportunities, and a rewards program. The app’s functionality is designed to help you manage your finances, build credit, and grow your wealth.

Performance (8/10)

MoneyLion performs well, with fast cash advances and accurate financial insights. The app’s algorithms analyze your income and spending habits to provide personalized recommendations and ensure you have access to funds when you need them.

Cost-Effectiveness (8/10)

MoneyLion offers a free basic plan with limited features, as well as a premium plan for $19.99 per month. The premium plan unlocks additional benefits, such as higher cash advance limits and enhanced rewards. The cost of the premium plan should be considered based on the value it provides in terms of financial management and rewards.

👉 CHECK PRICE on: MoneyLion

SoLo Funds: Best for Peer-to-Peer Cash Advances

Video: Top 7 Apps Like Solo Funds For Best Peer To Peer Lending Apps | Solo Funds Alternatives.







SoLo Funds takes a unique approach to cash advances by connecting borrowers directly with lenders through a peer-to-peer lending platform. With SoLo Funds, you can request cash advances of varying amounts and terms, depending on the lenders available. This app offers a community-driven approach to borrowing and lending, providing a flexible and transparent alternative to traditional cash advance apps.

Apps Like™ Rating: 8.1

SoLo Funds Rating Table

AspectRating
Design7
Functionality8
Performance8
Cost-Effectiveness8
Overall Score8.1

Design (7/10)

SoLo Funds features a functional design, although it may not be as visually appealing as some other cash advance apps. The app’s interface is straightforward and easy to navigate, focusing on the core functionality of connecting borrowers and lenders.

Functionality (8/10)

SoLo Funds offers a unique peer-to-peer lending platform that allows borrowers to request cash advances directly from lenders. The app’s functionality is designed to facilitate transparent and flexible borrowing, with clear terms and conditions for both borrowers and lenders.

Performance (8/10)

SoLo Funds performs well, with fast and reliable connections between borrowers and lenders. The app’s algorithms match borrowers with suitable lenders based on their preferences and financial needs, ensuring a smooth borrowing experience.

Cost-Effectiveness (8/10)

SoLo Funds charges a small fee for each transaction, which is split between the borrower and the lender. The cost of borrowing through SoLo Funds should be considered based on the convenience and flexibility it offers compared to traditional cash advance apps.

👉 CHECK PRICE on: SoLo Funds

Klover: Best for No-Fee Advances

Video: Klover Cash Advance App Review: Spin the Wheel for $5 to $200! .







Klover is a cash advance app that offers fee-free advances to help you cover unexpected expenses. With Klover, you can access cash advances of varying amounts, depending on your income and spending patterns. The app also offers budgeting tools and personalized recommendations to help you manage your finances effectively.

Apps Like™ Rating: 8.4

Klover Rating Table

AspectRating
Design8
Functionality9
Performance8
Cost-Effectiveness9
Overall Score8.4

Design (8/10)

Klover features a clean and user-friendly design, making it easy to navigate and access the features you need. The app’s interface is intuitive, with clear instructions and helpful visuals.

Functionality (9/10)

Klover offers a range of useful features, including fee-free cash advances, budgeting tools, and personalized recommendations. The app’s functionality is designed to help you make informed financial decisions and achieve your money goals.

Performance (8/10)

Klover performs well, with fast and reliable cash advances and accurate financial insights. The app’s algorithms analyze your income and spending habits to provide personalized recommendations and ensure you have access to funds when you need them.

Cost-Effectiveness (9/10)

Klover stands out by offering fee-free cash advances, making it an attractive option for those looking to avoid additional costs. The app’s budgeting tools and personalized recommendations can help you save money and make the most of your financial resources.

👉 CHECK PRICE on: Klover

Chime: Best for Overdraft Protection

Video: The Best Cash Advance Apps That Work With Chime.







Chime is not just a cash advance app; it’s a full-service online bank that offers a range of financial tools and features. With Chime, you can access SpotMe, a feature that provides fee-free overdraft protection up to $200. This means that if you have a negative balance in your account, Chime will cover the difference without charging you any overdraft fees.

Apps Like™ Rating: 8.6

Chime Rating Table

AspectRating
Design9
Functionality9
Performance8
Cost-Effectiveness9
Overall Score8.6

Design (9/10)

Chime features a sleek and user-friendly design, making it easy to navigate and access the features you need. The app’s interface is intuitive, with clear instructions and helpful visuals.

Functionality (9/10)

Chime offers a wide range of features, including fee-free overdraft protection, cash advances, and budgeting tools. The app’s functionality is designed to help you manage your finances effectively and avoid unnecessary fees.

Performance (8/10)

Chime performs well, with fast and reliable cash advances and accurate financial insights. The app’s algorithms analyze your income and spending habits to provide personalized recommendations and ensure you have access to funds when you need them.

Cost-Effectiveness (9/10)

Chime’s SpotMe feature provides fee-free overdraft protection, saving you from costly overdraft fees charged by traditional banks. The app’s budgeting tools and other features make it a cost-effective option for managing your finances.

👉 CHECK PRICE on: Chime

Pros and Cons of Cash Advance Apps

Video: 13 Other Apps Like Dave For Cash Advances & More (2023 Reviews).







Cash advance apps offer a range of benefits, but they also come with some drawbacks. Let’s take a look at the pros and cons of using cash advance apps.

Pros

✅ Convenient access to funds: Cash advance apps provide a quick and convenient way to access funds when you need them, without the hassle of traditional loan applications.

✅ Fast funding: Most cash advance apps offer fast funding, with funds deposited directly into your bank account within a few days or even hours.

✅ Flexibility: Cash advance apps allow you to borrow small or large amounts, depending on your needs and financial situation.

✅ No credit check: Cash advance apps typically don’t require a credit check, making them accessible to individuals with less-than-perfect credit scores.

Cons

❌ Fees: Cash advance apps charge fees for their services, which can add up over time. It’s important to understand the fees involved and consider whether they are worth the convenience.

❌ Limited borrowing amounts: While cash advance apps can provide quick access to funds, the borrowing limits are often lower compared to traditional loans.

❌ Dependency risk: Relying too heavily on cash advance apps can lead to a cycle of borrowing and dependency, making it difficult to break free from financial struggles.

❌ Not a long-term solution: Cash advance apps are designed for short-term financial needs and should not be used as a long-term solution for ongoing financial challenges.

Are Cash Advance Apps Payday Lenders?

Video: Cheapest Cash Advance Apps: Borrow $100 for as Low as $6!







Cash advance apps are not payday lenders in the traditional sense. While they provide short-term loans, they operate under different regulations and offer more flexibility compared to payday lenders. Cash advance apps typically charge fees for their services, rather than charging exorbitant interest rates like payday lenders. It’s important to understand the terms and fees associated with cash advance apps before using them.

Are Apps Like DailyPay and Payactiv Cash Advance Apps?

Video: 5 Cash Advance Apps Like Possible Finance | Similar Apps Like Possible Finance Cash Advance Apps.







Yes, apps like DailyPay and Payactiv are considered cash advance apps. These apps allow you to access a portion of your earned wages before payday, providing a cash advance to cover unexpected expenses. While they operate under different names, the concept is similar to other cash advance apps. It’s important to compare the features, fees, and terms of different apps to find the one that best suits your needs.

Alternatives to Cash Advance Apps

Video: 8 Earnin Cash Advance App Alternatives For 2022.







If cash advance apps don’t meet your needs or you’re looking for alternative options, here are a few alternatives to consider:

  • Personal loans: Personal loans from banks or online lenders can provide larger loan amounts and longer repayment terms compared to cash advance apps. However, they often require a credit check and may have stricter eligibility criteria.
  • Credit cards: If you have a credit card, you can use it for short-term financing needs. However, it’s important to use credit cards responsibly and pay off the balance in full to avoid high interest charges.
  • Side gigs: Consider taking on a side gig or freelance work to earn extra income. This can help you cover unexpected expenses without relying on cash advance apps or loans.
  • Emergency savings: Building an emergency savings fund can provide a financial safety net for unexpected expenses. Start by setting aside a small amount each month and gradually increase your savings over time.

Remember, it’s important to carefully consider your financial situation and needs before choosing an alternative to cash advance apps. Each option has its own advantages and disadvantages, so choose the one that aligns with your goals and financial capabilities.

FAQ

a close up of two coins on a table

Is there another app similar to Earnin?

Yes, there are several apps similar to Earnin that offer cash advances until your next paycheck. Some popular alternatives include Brigit, Empower, Dave, MoneyLion, SoLo Funds, Klover, and Chime. Each app has its own unique features and benefits, so it’s important to compare them and choose the one that best suits your needs.

Read more about “Is there another app similar to Earnin?”

What app allows you to borrow money instantly?

Several apps allow you to borrow money instantly, including Earnin, Brigit, Empower, Dave, MoneyLion, SoLo Funds, Klover, and Chime. These apps offer fast funding and convenient access to funds when you need them. However, it’s important to carefully review the terms and fees associated with each app before borrowing money.

Read more about “15 Apps Like Dave for Small Cash Advances in 2024! 💰”

What app will spot me $100 dollars instantly?

Apps like Earnin, Brigit, Empower, Dave, MoneyLion, SoLo Funds, Klover, and Chime can provide you with a cash advance of up to $100 instantly. These apps offer fast funding and flexible borrowing options to help you cover unexpected expenses.

Read more about “… 10 Best Apps Like SoLo Funds: Small Loans & Cash Advances”

What app can I use to get money immediately?

If you need money immediately, apps like Earnin, Brigit, Empower, Dave, MoneyLion, SoLo Funds, Klover, and Chime can provide you with fast access to funds. These apps offer quick funding and convenient borrowing options to help you bridge the gap between paydays.

Read more about “Best Instant Money Apps …”

Conclusion

black lg android smartphone turned on displaying 9

Cash advance apps like Earnin, Brigit, Empower, Dave, MoneyLion, SoLo Funds, Klover, and Chime offer a convenient and flexible way to access funds until your next paycheck. Whether you need a small amount or a larger advance, these apps provide fast funding, user-friendly interfaces, and helpful features to help you manage your finances effectively. Remember to use cash advance apps responsibly and consider the fees and terms associated with each app before borrowing. With the right app, you can confidently navigate unexpected expenses and bridge the gap between paydays.

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