We’ve all been there: staring at our bank account, wondering how we’ll make it to payday. Cash advance apps, like Dave, seem like a miracle. But are there better options? Yes! We’ll reveal 7 cash advance apps you can use instead of Dave, exploring features like their fees, advance limits, and additional financial tools they offer.
Forget the monthly membership fee! We’ve compared options that don’t charge, give you higher advances, or help you build your credit score. You’ll be surprised by the hidden gems we’ve discovered in the world of cash advance apps!
Quick Answer
Cash advance apps are convenient but can be expensive, especially if you use them frequently! We’ve listed some of the best apps that offer cash advances without a membership fee.
- EarnIn: This app stands out because it doesn’t charge membership or other fees (but accepts optional “tips”). You can get up to $750 per pay period, or $100 per day.
- MoneyLion: Another popular option, MoneyLion doesn’t charge monthly fees. You can get up to $500, but they do charge fees for expedited delivery.
👉 Shop EarnIn on: Amazon | Walmart | Apple App Store | Google Play Store | EarnIn Official Website
👉 Shop MoneyLion on: Amazon | Walmart | Apple App Store | Google Play Store | MoneyLion Official Website
Table of Contents
- Quick Tips and Facts
- Dave Alternatives: The Ultimate Guide to Cash Advance Apps
- Best Cash Advance Apps Compared
- Our Recommendations for the Best Cash Advance Apps
- Our Methodology
- How to Select a Cash Advance App
- Alternatives to Cash Advance Apps
- More on Credit Cash Advance Apps
- TIME Stamp: Cash Advance Apps Can Help in a Pinch
- Frequently Asked Questions (FAQs)
- How to Get a Personal Loan Without a Credit Check
- LendingClub Personal Loan Review 2024: Pros, Cons, Approval Odds
- Best Vacation Loans in June 2024
- [Of the Easiest Personal Loans to Get] 🎉](#of-the-easiest-personal-loans-to-get-🎉)
- Conclusion
- Recommended Links
- FAQ
- Reference Links
Quick Tips and Facts
Cash advance apps can be a lifesaver when you need money quickly, but they come with potential drawbacks.
Here are some quick things to know about cash advance apps:
- Not actual loans: Most cash advance apps don’t give you actual loans. They simply let you access a portion of your paycheck early, usually for a small fee.
- Alternatives exist: There are numerous alternatives to cash advance apps, including personal loans, credit cards, and even simply asking a friend or family member for a loan.
- Fees can add up: While cash advance apps can be convenient, they can also be expensive, especially if you use them frequently.
- Credit score: Some cash advance apps can help you build your credit score, while others don’t.
- Payday loans: Avoid payday loans at all costs! These are extremely expensive and will only worsen your financial situation.
Dave Alternatives: The Ultimate Guide to Cash Advance Apps
You’re looking for alternatives to Dave, a popular cash advance app that charges a monthly fee of $1. You’re certainly not alone. We’ve been there. Everyone wants to avoid high fees and get access to cash quickly. But navigating all of the different cash advance apps out there can feel overwhelming!
We’re going to make this easy for you. We’ll help you analyze the best cash advance apps, just like how our team of app developers at Apps Like™ did for our apps like Vola article. We’ll help you compare apps and find the best one for your needs 🙌.
Background
These apps are popular because they let you borrow small amounts of money, which is usually withdrawn when your next paycheck comes. Let’s get into the details:
- How they work: These apps work by linking to your bank account. Then, you can request a small cash advance, usually up to $100-500. The amount you can borrow depends on your bank balance and payment history.
- Profit models: Most of these apps are linked to larger money management platforms with monthly fees. Some also charge a small fee for express delivery if you need your money immediately.
Best Cash Advance Apps Compared
Here is a comparison table of several popular cash advance apps, including their fee structures and maximum advance amounts.
| App | Best For | Monthly Fee | Express Delivery Fees | Advance Limit |
|---|---|---|---|---|
| Brigit | Building Credit | $9.99-$14.99 | Undisclosed, free with premium membership | $250 |
| Empower | App Design | $8 | $1-$8 | $250 |
| EarnIn | Higher Advance Amounts | None, but optional “tips” | Undisclosed | $100 per day/$750 per pay period |
| MoneyLion | No Monthly Fee | None | $0.49-$8.99 | $500 |
| Albert | Investment Options | $12.49-$14.99 | Undisclosed | $250 |
| Dave | Low Monthly Fee | $1 | $1.99-$13.99 | $500 |
| Klover | Sweepstakes Option | $3.99 | $2.99-$12.29 | $200 |
| FloatMe | External Transfers | $3.99 | $3-$5 | $50 |
👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store
Our Recommendations for the Best Cash Advance Apps
When choosing a cash advance app, there are several factors to consider. We recommend comparing options based on a few key considerations:
- Advance Maximum: How much money do you need? Compare the maximum advance amounts.
- Fees: Analyze the fees associated with each app. These can include membership fees, express delivery fees, and other charges.
- Additional Functionalities: Some apps offer additional features like budgeting tools, expense tracking, or investment options.
Brigit: Great for Building Credit
Brigit’s standout feature is its ability to help users build credit. This makes it attractive to individuals who are trying to improve their financial profile. Brigit also offers other money management tools, which can be helpful for those who are struggling to stay on track financially.
Brigit has a monthly fee of $9.99-$14.99, and it offers a maximum advance of $250.
👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store | Brigit Official Website
Empower: Well-Designed App
Empower is known for its stylish and user-friendly design.
Empower’s monthly fee is $8, and it offers a maximum advance of $250. Note that they charge express delivery fees of $1-$8, which may add up.
👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store | Empower Official Website
EarnIn: Most Flexibility
EarnIn is a unique option with a no-fee structure (although “tips” are encouraged). It allows you to get a cash advance of $100 per day, up to $750 per pay period. That’s more than any other app on our list.
👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store | EarnIn Official Website
MoneyLion: No Monthly Membership Fee
MoneyLion stands out because it doesn’t charge a monthly fee. It does, however, charge a fee for express delivery. To use MoneyLion, you need to open a MoneyLion account and link your bank account.
MoneyLion offers a maximum advance of $500.
👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store | MoneyLion Official Website
Albert: Investment Options
Albert makes the list because it offers investment options, as well as savings and budgeting tools. It also has a strong reputation for customer service.
Albert charges a monthly fee of $12.49-$14.99. Like many other apps on this list, the exact amount depends on the specific plan you choose. Albert offers automatic savings and investing, as well as personalized financial guidance. This makes it appealing to users who want to learn more about managing their money.
👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store | Albert Official Website
Dave: Most Affordable and Widely Reviewed
Dave has a $1 monthly fee, which is the lowest among all the apps listed. This makes it a budget-friendly choice for many. Dave also has a strong reputation for being user-friendly and offers a wide range of financial tools, which might appeal to you if you’re looking for a holistic money management solution.
Dave is often touted as a good option for users who want a low-cost cash advance, but don’t need a lot of extra features.
👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store | Dave Official Website
Klover: Unique Sweeps Feature
Klover distinguishes itself with its unique sweepstakes feature. This can be appealing to users who like a chance to win some extra cash.
Klover has a $3.99 monthly fee. Klover is known for its fast cash advances and simple application process making it a quick option when you’re in a pinch.
👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store | Klover Official Website
FloatMe: Alternative Options
FloatMe is a niche option because it allows users to transfer money from their bank account without needing to link a direct deposit. Users can only borrow a maximum of $50.
FloatMe has a $3.99 monthly fee. FloatMe is different from other cash advances because it works with external transfer, meaning users can transfer funds from any bank account, not just the one linked to their paycheck.
👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store | FloatMe Official Website
Our Methodology
Factors Considered for Ranking:
- Advance Amounts
- Fees
- Ease of Use
- Customer Service
- Additional Features
- Trustworthiness
- Financial literacy
- Security
- Transparency
- Accessibility
Data Sources:
- App Store and Google Play Store Reviews
- Independent Financial Websites: We’ve considered reviews of these apps from financial experts, financial bloggers, and other industry commentators.
- Personal Experiences: We at Apps Like™ have experience using the products we review.
How to Select a Cash Advance App
Here are some tips for selecting the best app for you:
- Evaluate your needs: How much money do you need? What is your financial situation? Do you need a large advance, or just a small amount?
- Analyze fees: Compare the fees associated with each app, including monthly membership fees, express delivery charges, and any other charges.
- Compare features: Do you need additional features like budgeting tools or expense tracking?
- Read reviews: Take a look at what other users are saying about each app. You can use apps like Google Play Store and Apple App Store to find user reviews.
- Consider your credit score: Some cash advance apps can help you build credit. If that’s important to you, look for an app that uses your payment history to report your credit activity.
- Pay it back on time: Remember that cash advances are loans, and you need to pay them back on time.
- Set yourself up for success: If you’re struggling financially, you may want to look at cash advance apps as a temporary, short-term solution.
Alternatives to Cash Advance Apps
Here are a few alternative options if you’re looking for ways to get money quickly:
- Credit Cards: Credit cards can be a good option for short-term borrowing, but be sure to pay off your balance in full each month to avoid high interest charges. Consider cards with 0% APR for a set period. These can provide interest-free financing for a limited time, which can be beneficial. Just remember that, once the introductory period ends, interest charges start accruing.
- Personal Loans: Personal loans are a good option for larger amounts of money. However, they come with interest rates and must be repaid with regular monthly payments.
- Emergency Savings: Ideally, you should have 3-6 months’ worth of living expenses saved for emergencies.
More on Credit Cash Advance Apps
Some cash advance apps can help you build your credit. This is crucial if your credit score needs some work. For example:
- Brigit: Brigit reports your payments to credit bureaus through a soft inquiry, which means your credit score won’t be negatively affected. You may be able to build your credit score by using the Brigit app to pay bills on time.
- EarnIn: EarnIn doesn’t report your transactions to credit bureaus as of yet, but the company is piloting a program called EarnIn Credit, which provides access to credit lines.
- Klover: Klover does not directly report your transactions to credit bureaus, however, using the app and managing your finances responsibly can improve your overall financial health, which can potentially impact your credit score.
TIME Stamp: Cash Advance Apps Can Help in a Pinch
Here’s a personal story that’s going to resonate with millions of users. We’ve all been there, right? Sometimes, you need an extra $100 or $200, and you just don’t have it.
Think about it. Maybe you’re facing a car repair bill. Or you need to buy a plane ticket so you can see your family. You can’t pay your rent this month because your paycheck’s late. Whatever the situation may be, many of us have used cash advance apps, at one point or another, to get by.
However, it’s important to use cash advance apps wisely, and in moderation. Don’t rely on them as your primary source of funding.
Frequently Asked Questions (FAQs)
Here are some common questions about cash advance apps.
1. Easiest App To Use?
Most cash advance apps are relatively easy to use and qualify for. However, delivery times and fees vary, and it’s crucial to find the best deal.
Read more about “Apps Like DoorDash: 7 Alternatives to Make Money in 2024 🚀”
2. Can I Get Money Instantly?
Apps like Klover, Brigit, Dave, Empower, and FloatMe offer instant access to cash, but may charge fees for expedited delivery.
Read more about “Apps Like Bright Money: Your Path to Superior Financial Solutions … ✅”
3. Do These Apps Offer $1,000 Loans?
No. Apps typically offer smaller advances, ranging from $100 to $500 per pay period. You can access larger sums, up to $750 per pay period with EarnIn. In general, you’ll need a personal loan or credit card for that type of balance.
Read more about “15 Top Apps Like Albert for Quick Cash Advances in 2024 📱💸”
4. Are These Apps Compatible With Cash App?
Many apps work with Cash App. For instance, Dave and EarnIn both support Cash App payments.
5. Does Cash App Offer Cash Advances?
Cash App itself doesn’t offer traditional cash advances.
Conclusion
The right cash advance app for you will depend on your unique needs and circumstances. Ultimately, try to avoid relying on these apps as your main source of income. They’re best thought of as a short-term solution for unexpected financial bumps.
If you need ongoing financial assistance, consider exploring other options like personal loans, credit cards with 0% APR, or budgeting apps.
Recommended Links
👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store |
👉 Shop Dave on: Amazon | Walmart | Apple App Store | Google Play Store | Dave Official Website
👉 Shop Brigit on: Amazon | Walmart | Apple App Store | Google Play Store | Brigit Official Website
👉 Shop EarnIn on: Amazon | Walmart | Apple App Store | Google Play Store | EarnIn Official Website
👉 Shop MoneyLion on: Amazon | Walmart | Apple App Store | Google Play Store | MoneyLion Official Website
👉 Shop Albert on: Amazon | Walmart | Apple App Store | Google Play Store | Albert Official Website
👉 Shop Empower on: Amazon | Walmart | Apple App Store | Google Play Store | Empower Official Website
👉 Shop Klover on: Amazon | Walmart | Apple App Store | Google Play Store | Klover Official Website
👉 Shop FloatMe on: Amazon | Walmart | Apple App Store | Google Play Store | FloatMe Official Website
FAQ
Read more about “10 Best Apps Like Brigit For Instant Cash Advances in 2024”
1. What app lets me borrow money instantly?
While many apps claim to offer “instant” cash advances, most do not. The speed of the money transfer depends on various factors, such as your bank, the app’s processing time, and potential approval steps. It’s helpful to check the app’s policy for their standard transfer time.
Read more about “10 Cash Advance Apps That Cover You ‘Til Payday … 💰”
2. What are some other apps like Dave?
Many apps have similar features to Dave, offering cash advances and other financial services. You could try apps like Brigit, EarnIn, Empower, MoneyLion, or Albert. It is wise to compare fees, maximum cash advances, and any other features that matter to you before making a decision.
Read more about “15 Apps Like Dave for Small Cash Advances in 2024! 💰”
3. How to borrow $100 instantly?
There’s no guarantee of instant access to funds, but several apps may give you relatively fast access to cash, such as Klover, Brigit, Dave, Empower, and FloatMe. However, they may charge a fee for expedited delivery. Always compare available options.
Read more about “What is an App Like Brigit? … 💰”
4. Can I borrow $200 from the Cash App?
Cash App itself does not offer cash advances. You can’t borrow money from Cash App directly. You must use other apps like Dave or EarnIn for such services and then link your Cash App account for payments.
Read more about “25 Best Apps Like Vola for Cash Advances … 💸”
Reference Links
- Dave: https://www.dave.com/
- Brigit: https://www.brigit.com/
- EarnIn: https://www.earnin.com/
- MoneyLion: https://www.moneylion.com/learn/10year/
- Albert: https://www.albert.com/
- Empower: https://www.empower.com/
- Klover: https://www.joinklover.com/
- FloatMe: https://www.floatme.com/
- Time.com: https://time.com/personal-finance/article/best-cash-advance-apps/
- Investopedia: https://www.investopedia.com/terms/c/cashadvance.asp
- The Balance: https://www.thebalance.com/shop/apothecary-collection
- Bankrate: https://www.bankrate.com/loans/personal-loans/the-best-apps-that-loan-money/
We hope this guide helps you find the best cash advance app for your needs. If you have any other questions, feel free to reach out to us at Apps Like™!
