Top 25 Apps Like Earnin for Instant Access to Your Pay
12 January, 2026
Over 52% of Americans report living paycheck to paycheck, a situation that’s been consistent throughout the year. Some reports even push that number up to 61%, with nearly 29% of Gen Z workers facing the same challenge.
The cost of living keeps rising rent is going up, groceries are more expensive, and saving money feels like an uphill battle. At the same time, hourly wage workers are looking for ways to make their paychecks last longer, and on-demand pay apps are becoming a popular solution.
This is where apps like Earnin come in, giving people access to their earned wages before payday. With the fintech industry expanding rapidly, partnering with an app development company can be a great way to take advantage of these trends.
In this post, we’ll explore the best Earnin alternatives, focusing on apps that can help you manage your cash flow, avoid payday loan traps, and stop stressing about when your next paycheck will arrive. Whether you’re looking for higher cash advance limits, built-in budgeting tools, or lower fees, there’s an app designed to fit your needs and improve your financial situation.
Top 25 Apps Like Earnin to Take Control of Your Money
Apps like Earnin are transforming how we think about payday, giving you more control over your earnings. The trick is finding the app that works best for your needs. Here are some of the top alternatives you should explore:
1. MoneyLion
Google Play Store Rating: 4.7/5
Apple Store Rating: 4.8/5
MoneyLion is a versatile fintech app that combines mobile banking, investing, and credit tools all in one. Its InstaCash feature lets you borrow up to $500 quickly perfect for those needing a fast cash boost.
The app also supports instant transfers, allowing you to get money in your account as soon as you need it. However, this convenience does come with a small fee.
Pros and Cons
| Pros | Cons |
| No interest or hidden fees | Instant transfers come with a fee |
| No credit check required | Eligibility based on income and account activity |
| Loans up to $1,000 | Repayments are auto-deducted on payday |
Key Benefits
MoneyLion isn’t just another app for cash advances it offers a wide range of useful tools to help you manage your money better:
RoarMoney Banking
Get paid up to two days earlier with direct deposit. Plus, the app helps you budget, save automatically, and manage your money with ease through round-up savings.
Cashback and Loyalty Rewards
Earn cashback on everyday purchases and get extra rewards from partner brands and stores. It’s a great way to save while you spend.
Investing and Crypto
Start investing with as little as $5 in diversified portfolios. Want to try crypto? You can buy and sell Bitcoin and other cryptocurrencies directly in the app.
Smart Financial Coaching
With MoneyLion’s AI-powered tools, you can easily track your spending, set savings goals, improve your credit score, and work on paying down debt.
Identity Theft Protection
Your personal data is watched 24/7 for any signs of fraud. The app offers alerts, dark web scanning, and other protections to keep your financial info safe.
2. Brigit
Google Play Store Rating: 4.7/5
Apple Store Rating: 4.8/5
Brigit is a popular app that helps you stay on top of your finances by preventing overdrafts before they happen. After connecting your bank account, the app keeps an eye on your balance and can send you a cash advance if it detects you’re about to overdraft.
If you often deal with overdraft fees, struggle with budgeting, or want a more proactive way to manage your money, Brigit can be a great choice. Looking for more options? Check out our blog with the top alternatives to Brigit!
Pros and Cons
| Pros | Cons |
| Great for users with low or no credit | Requires a monthly subscription |
| Get up to $250 in cash advances | Eligibility depends on income and account activity |
| Flexible repayment options | Repayments are auto-deducted on payday |
Key Benefits
Brigit is perfect for users who want continuous support and smart tools to manage their money:
Automatic Overdraft Protection
Brigit keeps track of your balance and will automatically send you money if it detects that you’re about to overdraft. You can also set custom alerts to warn you when your account balance is getting low.
Flexible Repayment Options
You can choose a repayment plan that works with your payday schedule. The app automatically deducts repayments, so you don’t need to worry about forgetting a payment.
Credit Builder Program
Brigit helps you improve your credit score by reporting your on-time payments to credit bureaus. This doesn’t require you to take on new debt or pay interest, so it’s a simple and low-risk way to build your credit.
Safe and Secure
Brigit uses 256-bit encryption and two-factor authentication to protect your personal and financial data, keeping everything secure and private.
3. Chime
Google Play Store Rating: 4.7/5
Apple Store Rating: 4.8/5
Chime is a modern, FDIC-insured digital banking app partnered with The Bancorp Bank, N.A., and Stride Bank, N.A. It’s one of the most trusted alternatives to payday loan apps like Possible Finance.
Chime removes traditional banking fees, giving users the power to manage their finances with simple tools for day-to-day banking and building credit.
Pros and Cons
| Pros | Cons |
| Get up to $200 in fee-free overdrafts for debit card purchases and ATM withdrawals | Small fee for transferring money to external accounts |
| Helps you build credit without needing a credit check or paying interest | Only available for mobile and online banking |
| Deposits insured up to $250,000 through partner banks |
Key Benefits
Here are some of the standout features that make the Chime app a great choice:
SpotMe Overdraft Protection
With SpotMe, eligible users can overdraft up to $200 without any fees. This applies to both debit card purchases and ATM withdrawals, giving you a safety net when your balance is low.
Early Direct Deposit
Get paid up to two days early! As soon as your employer sends the payroll deposit, your funds are available, helping you access your money faster.
Credit Builder Program
Chime offers a credit builder Visa card that helps you improve your credit score without any annual fees or credit checks. It reports to all three major credit bureaus to help boost your credit history.
Automatic Savings
Chime helps you save automatically with features like round-ups on your purchases and auto-transfer to your savings account. It makes saving easier without thinking about it.
Notifications and Alerts
Stay in the loop with instant alerts for all your transactions, deposits, and account activity. This helps you track your spending and manage your finances in real time.
4. Dave
Google Play Store Rating: 4.4/5
Apple Store Rating: 4.8/5
Dave is a trusted alternative to payday loans, offering interest-free cash advances up to $500. It helps you avoid falling into debt cycles by promoting financial wellness with clear features, low fees, and useful insights.
Although it has some small fees and requirements, Dave combines budgeting tools, credit-friendly practices, and ways to increase your income, making it a powerful all-in-one app for managing your money. Want to explore more loan options? Check out our blog featuring other popular apps like Dave in the USA.
Pros and Cons
| Pros | Cons |
| Access funds without affecting your credit score | Instant cash access comes with a small Express Pay fee |
| Get alerts before your account goes negative | Need a steady income to qualify for higher advance amounts |
| All-in-one app with income-boosting features | Limited to one advance at a time |
Key Benefits
Dave offers a variety of features that make it a great tool for managing your money. Here’s what the app includes:
Side Hustle Finder
Dave’s side hustle tool connects you with local and remote gig jobs. It matches opportunities based on your skills, availability, and location, helping you earn extra cash.
Credit-Building Tool
Dave helps you improve your financial habits by tracking your spending and offering tips for better money management. It also helps you avoid habits that could harm your credit score.
Smart Financial Insights
Using AI, Dave analyzes your bank activity and provides useful insights. It tracks recurring bills, spots unexpected expenses, and even predicts when you might run out of money.
Goal-Based Savings
You can set personalized savings goals, like for an emergency fund, vacation, or big purchase. The app will automatically transfer small amounts into your savings based on your spending habits.
Automatic Budgeting
Dave syncs with your bank account to create a budget. It tracks your income and spending, and sends alerts if your balance is low or if bills are coming up, so you never miss a payment.
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5. Tilt (Formerly Empower)
Google Play Store Rating: 4.7/5
Apple Store Rating: 4.8/5
Tilt is a popular cash advance app similar to Earnin, offering advances based on your current income and spending habits. The app partners with employers to provide interest-free advances and helpful financial tools through payroll integration.
Tilt focuses on breaking down financial barriers, especially for low-to-middle-income earners. The platform also prioritizes privacy, letting employees access financial help without having to involve HR directly.
Pros and Cons
| Pros | Cons |
| No interest or late fees on cash advances | $8/month subscription fee after a free trial |
| Provides multiple financial tools | Limited availability in certain parts of the US |
| Get cash advances up to $500 | Limited customer support and protection features |
Key Benefits
Looking for the best alternatives to traditional payday loan apps? Here are the standout features that set Tilt apart:
Instant Earned Wage Access
Tilt lets employees access a portion of their earned wages before payday. This helps avoid expensive loans, overdraft fees, and the stress of financial emergencies.
Interest-Free Advances
Employees can repay the amount they borrow through automatic payroll deductions from their next paycheck. This makes the repayment process clear, easy, and predictable.
Employer-Payroll Integration
Tilt integrates directly with employer payroll systems, making transactions secure and automated. No manual work is needed from employees or HR.
Confidential and Discreet Support
Employees can access financial help privately, without having to inform their managers or HR. This ensures dignity and privacy while getting the support you need.
Financial Health Tools
Tilt provides budgeting tools, personalized financial advice, and educational resources to help users improve their money habits and work toward long-term financial health.
Personalized Advance Limits
Employers can set flexible advance limits for their employees based on company policies and individual needs, making it a customizable option.
6. SoLo Funds
Google Play Store Rating: 4.0/5
Apple Store Rating: 4.3/5
SoLo Funds is a peer-to-peer lending platform that connects borrowers with everyday people, not banks. Users can request short-term loans (typically between $20 and $575) on the “Marketplace,” and community members decide whether or not to fund them.
Approval is based on your SoLo Score, which looks at your banking history, repayment patterns, and overall financial behavior.
Pros and Cons
| Pros | Cons |
| Loans are funded within 20 minutes | Only 55% of loan requests are funded |
| Instead of interest, borrowers pay voluntary tips | Some users report slow response times |
| On-time repayments may be reported to credit bureaus |
Key Benefits
Here’s why SoLo Funds stands out as one of the best alternatives to apps like Earnin:
Peer-to-Peer Borrowing and Lending
SoLo Funds connects borrowers directly with individual lenders, cutting out the need for banks or payday lenders. This makes borrowing more personal and flexible.
No Credit Check Required
There are no minimum credit score requirements, so even if you have little or no credit history, you can still access funds.
Community-Driven Platform
The platform works on trust, where lenders and borrowers help each other. This creates a positive, supportive environment for both parties.
Clear Terms
All the details like loan amounts, repayment dates, and any tips are clearly outlined before you accept a loan. There are no hidden fees or surprises.
Automated Repayments
Repayments are automatically linked to your bank account, helping you stay on track and reducing the chance of missing a payment.
7. Varo
Google Play Store Rating: 4.7/5
Apple Store Rating: 4.9/5
Varo is a popular alternative to apps like Earnin, offering services like savings accounts, checking accounts, and personal loans. It’s FDIC-insured, so your funds are protected. Varo helps you handle unexpected expenses without falling into debt traps.
In 2020, Varo became the first consumer fintech in the U.S. to receive a national bank charter from the Office of the Comptroller of the Currency (OCC). If you’re looking to avoid hidden fees and overdraft penalties, Varo could be a great choice.
Pros and Cons
| Pros | Cons |
| Fee-free checking account with no minimum balance | Strict eligibility for cash advances |
| Earn 5% APY on savings for balances up to $5,000 | Cash advances may not cover large expenses |
| Bank accounts don’t require a credit check |
Key Benefits
Here are some of the standout features that make the Varo app a great choice:
High-Yield Savings Account
Varo offers a savings account with an impressive 5% APY for balances up to $5,000. This helps you grow your savings faster without any risky investments.
Varo Advance
With Varo Advance, you can borrow up to $250 instantly. It’s a fast way to get cash during emergencies without turning to payday loans.
Focus on Financial Inclusion
Varo is designed to serve underserved communities, providing easy access to banking features without the usual barriers found in traditional banks.
Transaction Alerts
Varo sends instant notifications for every transaction, so you’ll always know when money is deposited or withdrawn from your account.
Also Check Out: If you’re searching for apps similar to Venmo, take a look at our full guide on the top alternatives and key features to consider.
8. Albert
Google Play Store Rating: 4.5/5
Apple Store Rating: 4.6/5
Albert is a great alternative to apps like Earnin, helping users save money, track expenses, invest, and get instant cash advances when needed. Unlike many traditional lending platforms, Albert focuses on overall financial health, offering cash advances up to $250 with no interest, late fees, or credit checks.
Along with cash advances, Albert provides personalized financial advice through its “Genius” service, where users can talk to real financial experts. The app offers tools to track your spending, save automatically, and invest in custom portfolios.
Pros and Cons
| Pros | Cons |
| No hard credit check, making it accessible to users with no credit history | Not ideal for large emergencies |
| Instant delivery to the Albert debit card and same-day bank transfers available | Instant access can have fees unless you use the Albert card |
| Comprehensive tools for budgeting, saving, automation, and investing | Not all users can access the maximum advance amount |
Key Benefits
Here are the standout features of the Albert app that help you save and manage your money more easily:
Automated Savings
Albert tracks your spending habits and automatically transfers small amounts into your savings, so you don’t have to think about it.
Genius Financial Guidance
For subscribers, Albert gives you access to real financial experts who offer personalized advice on budgeting, saving, paying off debt, and investing.
Early Paycheck Access
With direct deposit, you can get your paycheck up to two days earlier than with traditional banks.
Automatic Bill Negotiation
Albert can help lower your bills, like phone or internet charges, by negotiating directly with service providers, saving you money.
Secure and FDIC-Insured
Albert accounts are protected with encryption and insured by the FDIC up to $250,000 for added security.
9. Revolut
Google Play Store Rating: 4.7/5
Apple Store Rating: 4.7/5
Revolut is a trusted lending platform that lets you apply for a loan, get approved within seconds, and have the funds deposited directly into your Revolut account. The loan offers are personalized using smart credit assessment technology, ensuring competitive interest rates based on your credit profile.
There are no hidden fees, and you can pay off your loan early without any penalties, saving on interest.
Pros and Cons
| Pros | Cons |
| Borrow up to $20,000 with quick approval | Rates can be higher for users with low credit scores |
| Interest rates are clearly shown before accepting | Requires a higher borrowing amount to qualify for a loan |
| Choose repayment periods from 12 to 60 months | Must have a Revolut account to apply and receive funds |
Key Benefits
Here are the features that make Revolut a top choice for smart saving and borrowing:
Instant Loan Approval
Revolut lets you apply for a loan and get approved quickly, all within the app. No need for long bank visits or paperwork.
Clear Interest Rates
Revolut shows you the interest rates upfront with no hidden fees, so you’ll always know exactly what you’re paying.
Direct Account Deposit
Once your loan is approved, the funds are deposited directly into your Revolut account, giving you fast access to your money.
Smart Notifications
Revolut sends alerts for upcoming payments, due dates, and balances to help you stay on top of your financial obligations and avoid missing payments.
Credit Score-Friendly
Revolut helps improve your credit profile by reporting on-time payments to the relevant credit bureaus, giving your credit a boost.
10. Current
Google Play Store Rating: 4.5/5
Current is a fast-growing neobank designed to help you manage your finances on the go. It’s perfect if you’re already using the Current ecosystem and want to keep everything in one place. You can access up to $750 as an advance on your next paycheck, depending on your eligibility.
The best part? Qualifications don’t depend on your credit score. Instead, they’re based on your account activity and direct deposit history.
Pros and Cons
| Pros | Cons |
| No monthly fees, overdraft fees, or minimum balance | High-interest rate maxes out at $6,000 across all savings pods |
| Earn up to 4% APY on savings pods, with a $6,000 cap | ATM withdrawals or transactions abroad may have fees |
| Direct deposits arrive early (up to two days ahead) | Users can’t hold more than $10,000 in their Current account |
Key Benefits
Here’s what makes Current one of the top alternatives to Earnin:
Instant Loan Approval
Current offers fast loan approval for eligible users, giving you quick access to funds without the long wait.
Direct Account Deposit
Once approved, the loan amount is sent directly to your Current account, so you can access it right away.
Early Repayment Option
You can repay your loan early with no hidden penalties or extra fees, giving you more flexibility.
Smart Notifications
Current keeps you updated with smart notifications about upcoming due dates, payment confirmations, and account activity, helping you stay on top of your finances.
Credit Score-Friendly
Current is credit-score friendly, meaning making timely repayments on small, short-term loans can help build or maintain your credit score.
11. Payactiv
Google Play Store Rating: 5.0/5
Apple Store Rating: 4.9/5
Payactiv is an Earned Wage Access (EWA) platform that allows employees to access a portion of their earned wages before payday. Trusted by over 2 million users and partnered with more than 1,500 employers, Payactiv offers a modern, employer-sponsored solution instead of payday loans.
In addition to payday advances, Payactiv includes features for budgeting, paying bills, and saving money, making it a comprehensive financial tool.
Pros and Cons
| Pros | Cons |
| Funds can be sent directly to your bank or Payactiv Visa card | Access depends on whether your employer participates |
| Pay bills directly from the app and use built-in budgeting and savings tools | You can only access a portion of your earned wages |
| Access funds without affecting your credit score | Small fees for instant transfers |
Key Benefits
Here are the features that make Payactiv a great tool for managing your finances:
Bill Payment Integration
Payactiv lets you pay your bills directly through the app, helping you avoid late fees and missed payments.
Smart Spending Insights
The app offers personalized budgeting tips and real-time spending insights, helping you improve your financial habits.
Savings Goal Tracker
You can set and track savings goals right within the app, making it easier to build a financial safety net.
No Credit Check Loans
Payactiv gives you access to small, short-term cash advances without affecting your credit score.
12. Cleo
Google Play Store Rating: 4.2/5
Apple Store Rating: 4.6/5
Cleo is an AI-powered financial assistant that helps you manage your money while offering short-term cash advances. With Cleo Cover, you can get up to $250 in interest-free cash to cover urgent expenses or avoid overdraft fees until your next paycheck.
Popular among Gen Z and millennials, Cleo offers a fast and easy alternative to traditional payday loans.
Pros and Cons
| Pros | Cons |
| Get up to $250 instantly with no interest or late fees | Cash advance limit starts small for new users |
| Fun, interactive AI chatbot that makes managing money engaging | A small optional tip or subscription fee may apply |
| Get budgeting, savings, and spending insights in one app | Requires linking your bank account for eligibility |
Key Benefits
Cleo offers several features that make managing your money easier and more fun:
Instant Cash Advance
Cleo lets you borrow up to $250 instantly, with no credit check and no interest, making it a quick way to cover emergencies before your next paycheck.
AI Chatbot Support
Cleo’s fun, interactive chatbot helps with budgeting, spending breakdowns, and financial advice, all in a conversational style.
Budgeting and Spending Insights
Cleo tracks your spending and gives you personalized tips and insights, helping you stay on top of your finances.
Savings Challenges
You can join fun savings challenges and set automatic savings goals, making it easier (and more fun!) to save money.
13. Klover
Google Play Store Rating: 4.6/5
Apple Store Rating: 4.7/5
Klover is a cash advance app that allows you to borrow up to $200 with no interest and no credit check. It generates revenue through optional tips and by using anonymized consumer data for market research. This model helps keep the service free from hidden fees and charges.
Whether you need emergency funds or want help with budgeting, Klover serves as both a financial safety net and a money coach.
Pros and Cons
| Pros | Cons |
| Get up to $200 with no interest and no mandatory fees | Limited to users with regular income and a linked bank account |
| Quick application and approval process | Data-sharing model may not appeal to privacy-conscious users |
| Includes budgeting tools and credit score monitoring |
Key Benefits
If you’re looking for apps that offer more than Earnin, here are the features you’ll get with Klover:
Credit Score Monitoring
Klover tracks your credit score and gives you helpful tips to improve your financial health over time.
Budgeting and Spending Insights
The app automatically organizes your spending and gives you easy-to-read summaries, so you can see exactly where your money is going.
Data-for-Value Program
By sharing anonymized data for market research, you can access funds for free, without any hidden fees.
Personalized Financial Offers
Klover gives you customized offers for credit cards, savings accounts, and other financial products based on your profile.
Goal-Based Saving Tools
You can set short- and long-term savings goals and track your progress directly in the app, making it easier to stay on track.
14. DailyPay
Google Play Store Rating: 4.7/5
Apple Store Rating: 4.8/5
DailyPay is an Earned Wage Access (EWA) service that lets employees access the money they’ve already earned before payday. Instead of waiting for your regular paycheck, you can transfer your earnings directly to your bank account, prepaid card, or debit card.
With partnerships with thousands of employers across the U.S., DailyPay offers a reliable, employer-backed alternative to payday loans.
Pros and Cons
| Pros | Cons |
| Partners with 8,000 employers for easy access | Available only if your employer is partnered with DailyPay |
| No credit checks or debt involved | Small transfer fee for instant withdrawals ($1.99 – $2.99) |
| Helps avoid overdraft fees and payday loan interest | Not available for freelancers or gig workers |
Key Benefits
DailyPay offers the following features to make managing your money smooth and easy:
Real-Time Pay Tracker
This feature shows you exactly how much you’ve earned after each shift, so you can make smarter decisions about your spending.
Employer-Integrated System
DailyPay works directly with your employer’s payroll and time-tracking systems, ensuring that you get paid accurately and on time.
Scheduled Payday Deposits
If you don’t choose to withdraw your earnings early, your money will automatically be deposited on your regular payday.
Shift-by-Shift Breakdown
You can see how much you’ve earned for each shift or day, including any taxes or deductions, giving you full transparency.
Transaction History and Reports
You can access detailed records of your withdrawals and deposits, helping you keep track of your spending and usage.
15. Possible
Google Play Store Rating: 4.0/5
Apple Store Rating: 4.8/5
Possible Finance is a mobile lending platform that offers small loans up to $500. Unlike traditional payday loans, Possible allows you to pay back your loan in multiple installments over several weeks, making it easier to manage your payments.
Available in select U.S. states, Possible is a good option for people with limited or poor credit, as it uses your bank account and income history to determine eligibility.
Pros and Cons
| Pros | Cons |
| Repay in multiple installments instead of one lump sum | Available only in certain U.S. states |
| Build your credit history with on-time payments | Interest rates are higher than traditional personal loans |
| Fast approval process with same-day or next-day funding | Requires linking your bank account for eligibility |
Key Benefits
If you’re looking for an app that lets you borrow money before payday, Possible is a great choice. Here’s what you can expect from this app to help you stay on track with your finances:
Easy Repayment Plan
You can pay back what you owe in smaller, easy-to-manage payments spread out over four biweekly or semi-monthly installments.
Build Your Credit
By making your repayments on time, Possible reports your payments to credit bureaus, helping you build a better credit score.
Clear and Simple Fees
You’ll know exactly how much you’ll pay upfront. There are no surprise fees or penalties if you pay early.
User-Friendly App
Everything you need to manage your loan from applying to making payments is right at your fingertips with the app, which is designed to be simple and easy to use.
16. Avant
Google Play Rating: 4.7/5
Apple Store Rating: 4.8/5
Avant is a popular app that offers unsecured loans, meaning you don’t need to put up any collateral. It’s a competitor to Earnin and makes it easy to apply, track, and manage loans right from your phone. You can borrow anywhere from $2,000 to $35,000, and the repayment terms are flexible.
Avant is a good option for people with fair to good credit, offering something in between high-interest payday loans and low-rate prime lending.
Pros and Cons
| Pros | Cons |
| No collateral required for loans | Origination fees may apply (up to 4.75% of the loan amount) |
| Fast approval process, with possible next-day funding | High APRs for borrowers with lower credit scores (up to 35.99%) |
| Flexible repayment terms (12 to 60 months) | Not available in all U.S. states |
Key Benefits
Here are the main features available in the Avant app:
Unsecured Personal Loans
You can borrow money without putting up any collateral. The loan can be used for things like consolidating debt, paying medical bills, making home improvements, or other personal needs.
Autopay & Payment Reminders
Set up automatic payments or get reminders to help you stay on top of your bills, avoid late fees, and keep your payment history in good standing.
Soft Credit Check for Prequalification
You can see your potential loan rates and terms without affecting your credit score, thanks to a soft credit check.
Credit Reporting
Avant reports your payment history to major credit bureaus, which can help improve your credit score when you make timely payments.
Security & Privacy
The app uses high-level encryption and multi-factor authentication to ensure your account and personal information are secure.
17. Upstart
Apple Store Rating: 3.0/5
Upstart is another option if you’re looking for a personal loan. It offers loans between $1,000 and $50,000, using smart technology to evaluate your creditworthiness beyond just your credit score. Instead, Upstart looks at factors like your education, job history, and income potential, making it an option for those with limited or average credit.
With the Upstart app, you can easily apply for a loan, check your rates with a soft credit inquiry, and manage your payments directly from your phone. The platform is known for fast approval, clear terms, and flexible loan options for things like debt consolidation, medical bills, home improvement, and more.
Pros and Cons
| Pros | Cons |
| Borrow from $1,000 to $50,000 for various personal needs | Origination fees up to 12% of the loan amount |
| Considers education, job history, and income potential | Higher APRs for borrowers with lower credit scores |
| Soft credit check for prequalification | Limited repayment term options (typically 36 or 60 months) |
Key Benefits
Here’s what makes Upstart stand out and helps simplify your money management:
AI-Powered Loan Approval
Upstart uses smart technology to evaluate your loan eligibility, giving you a chance even if you’ve been turned down by traditional lenders.
Fast Funding
Once you’re approved, many borrowers receive their funds as soon as the next business day.
Flexible Loan Uses
You can use the loan for a variety of needs like consolidating debt, paying off credit cards, covering medical bills, moving expenses, or funding home projects.
Credit Reporting
Upstart reports your payment history to major credit bureaus, which can help boost your credit score when you make timely payments.
18. One@Work
Google Play Rating: 4.8/5
Apple Store Rating: 4.9/5
One@Work is a convenient cash advance and earned wage access (EWA) app created by One Finance. It allows employees to access part of their earned wages before payday, helping them avoid high-interest payday loans or expensive credit card debt.
The app works directly with employers to ensure accurate wage tracking and fast payouts, aiming to improve workers’ financial well-being and reduce stress.
Pros and Cons
| Pros | Cons |
| Employer integration ensures accurate and fast payouts | Only available through participating employers |
| Helps reduce reliance on payday loans and credit cards | May charge small fees for instant transfers |
| No credit check required | Limited to wages already earned in the current pay cycle |
Key Benefits
Here’s what makes the One@Work app stand out for managing your finances:
Employer Integration
The app works directly with your employer’s payroll system to ensure your wage calculations are accurate and secure.
No Credit Check
You can access your earned wages without affecting your credit score, since you’re borrowing against your own income.
Flexible Transfer Options
Choose between instant transfers (with a small fee) or free scheduled deposits to get your funds when you need them.
Focus on Financial Well-Being
The app helps reduce your reliance on payday loans and high-interest credit cards, promoting healthier financial habits.
Real-Time Earnings Tracking
Track your earned wages in real time throughout the pay cycle, so you always know how much you’ve earned and can access.
19. Cash App
Google Play Rating: 4.2/5
Apple Store Rating: 4.8/5
Cash App, developed by Block, Inc. (formerly Square), is a widely used mobile payment app that also offers a borrowing feature. This allows eligible users to take out small, short-term loans directly through the app, typically between $20 and $200. It’s a quick way to cover unexpected expenses without turning to payday loans with high interest.
This borrowing feature is available to select users based on factors like account activity, deposit history, and credit status.
Pros and Cons
| Pros | Cons |
| Flat fee structure makes repayment costs predictable | Not available to all users |
| Fast approval and instant deposit to your Cash App balance | Small loan limits may not cover larger emergencies |
| No need for a separate loan application or credit check for many users | Requires an active Cash App account |
Key Benefits
Here are some of the features in Cash App that help you manage your money and loans:
Flat Fee Repayment
Instead of charging interest, Cash App uses a simple fixed fee, making it easier to plan and manage repayments.
Automatic Repayments
Payments are automatically deducted from your Cash App balance or linked payment method, so you don’t have to worry about missing due dates.
Eligibility-Based Access
This feature is available only to selected users, based on things like account activity, deposit patterns, and payment history.
In-App Loan Management
You can easily view your remaining loan balance, payment schedule, and upcoming due dates directly within the app.
Also Read: Looking for the best check-cashing apps that don’t use Ingo? Our detailed guide highlights the top choices and important details you should know before using them!
20. FloatMe
Google Play Rating: 4.5/5
Apple Store Rating: 4.8/5
FloatMe is a cash advance app designed to help users cover small expenses between paydays. It offers short-term “Floats” ranging from $10 to $50, without charging interest or requiring credit checks.
FloatMe operates on a subscription model, giving members quick access to small funds, along with budgeting tools to help manage finances more effectively.
Pros and Cons
| Pros | Cons |
| Interest-free, and doesn’t impact your credit score | Subscription fee of $4.99/month may be high for some |
| Funds may arrive within minutes | Not available in Connecticut, D.C., or Nevada |
| Relies on income and banking history for eligibility |
Key Benefits
Here are the main features that make FloatMe a helpful tool for managing your money:
Cash Flow Calendar & Budget Tools
This feature helps you track your income and expenses, so you can plan your cash advances more effectively. It also sends low balance alerts to help you avoid overdraft fees.
Bank Integration via Plaid
FloatMe securely links with thousands of U.S. banks, making it easy to process advances and repayments directly through your bank account.
Repayment Automation
Repayments for cash advances are automatically deducted from your next paycheck via ACH or debit card, making it hassle-free.
Optional Instant Float
For a small fee ($1 to $7 depending on the amount and delivery method), you can get your funds instantly, within minutes.
21. Affirm
Google Play Rating: 4.8/5
Apple Store Rating: 4.9/5
Affirm is a popular “buy now, pay later” (BNPL) app that lets you split your purchases into smaller, fixed monthly payments or interest-free installments at participating stores. There are no hidden fees, and you’ll always know the total cost before you commit.
Affirm uses a soft credit check to determine eligibility but doesn’t charge late fees, offering a transparent and straightforward alternative to traditional credit cards.
Pros and Cons
| Pros | Cons |
| Loan amounts range from $50 to $17,500 | Interest rates can be high for some purchases (up to 36% APR) |
| Can offer 0% APR at select merchants | May encourage overspending if not properly budgeted |
| Wide network of retail partners, online and in-store | Missed payments can hurt your credit score |
Key Benefits
Here’s what makes Affirm a popular choice for managing payments:
Upfront Cost Transparency
Affirm shows you the full cost of your purchase before you buy, including any interest, so you’ll know exactly what you’ll pay.
Instant Credit Decision
At checkout, Affirm performs a quick, soft credit check that won’t affect your credit score to determine your eligibility and available payment options.
Flexible Payment Plans
You can choose from short-term, interest-free plans (like biweekly or 3-month) at select stores, or opt for longer-term financing options with interest for up to 36 months.
Secure Transactions
Affirm uses high-level encryption to keep your personal and financial information safe during transactions.
22. Wealthfront
Google Play Rating: 4.0/5
Apple Store Rating: 4.8/5
Wealthfront offers a borrowing option for its investing clients, allowing you to access funds without having to sell any investments. This means you can borrow up to a set percentage of your portfolio’s value at competitive interest rates, without triggering taxes from liquidating assets.
This borrowing feature is integrated into Wealthfront’s automated investing platform and doesn’t require a credit check since approval is based on the value of your account holdings.
Pros and Cons
| Pros | Cons |
| Lower interest rates than most personal loans or credit cards | Only available to Wealthfront clients with at least $25,000 invested |
| Flexible repayment with no set schedule | Loan amount tied to market performance if portfolio value drops, borrowing limit may decrease |
| Borrow up to 30% of your taxable investment account balance | Not ideal for those without investment accounts |
Key Benefits
Wealthfront offers a range of features designed to help you save more and spend wisely:
Low and Clear Rates
Interest rates usually range from 5% to 8% APR (variable), which is lower than most credit card rates. These rates are always shown upfront, so you know exactly what to expect.
Flexible Payback Options
There’s no fixed repayment schedule, allowing you to pay back at your own pace. Interest will continue to accrue until the balance is fully paid off.
Real-Time Borrowing Limits
Your borrowing limit changes automatically based on the current value of your investments, giving you real-time access to more funds if needed.
Easy Management on One Platform
Track your investments, loans, and repayments all from one place whether on the Wealthfront mobile app or desktop platform. It’s simple and seamless to manage everything in one spot.
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23. Cashli
Google Play Store Rating: 3.6/5
Cashli is a mobile app based in the U.S. that provides short-term, interest-free cash advances ranging from $10 to $150. It’s designed to help users cover small cash shortages without the need for a credit check. The app operates on a fixed monthly subscription and includes smart financial tools to help you stay on top of your money and avoid overdraft fees.
Pros and Cons
| Pros | Cons |
| Interest-free advances with no credit check or SSN/ITIN needed | Not everyone qualifies right away |
| No late fees or hidden charges | Doesn’t support some online banks (e.g., Chime, Varo) |
| Standard delivery of funds in 2-3 business days | Reports of issues with bank-level integrations and poor customer support experiences |
Key Benefits
Here’s a breakdown of what makes Cashli a helpful tool for managing your finances:
Secure Bank Connection
Cashli safely links to thousands of U.S. banks using Plaid, ensuring your account details are protected while allowing easy access without saving your login info.
Flexible Borrowing Limit
New users may start with smaller advance amounts (usually between $20-$40), but as you continue to use and repay, your borrowing limit can increase over time.
Smart Financial Tools
The app includes features like low-balance alerts and transaction summaries. It’s also planning to add notifications for changes in spending patterns to help you stay on track.
Focused on Helping Those with Limited Savings
Cashli is designed to help people who often have less than $400 in savings. It aims to reduce reliance on expensive overdraft fees and high-interest loans.
24. Strix
Google Play Store Rating: 4.2/5
Apple Store Rating: 3.7/5
Strix is a personal loan and payday advance platform offered through a mobile app by Borrow Money LLC. While it’s marketed as a fast cash advance tool, Strix actually connects users to licensed third-party lenders who set the loan terms, interest rates, and repayment schedules.
It’s a good option for people who need payday access without the usual bank hassle.
Pros and Cons
| Pros | Cons |
| Access multiple loan offers in one place | APR can be high (5.99% – 35.99%) |
| Secure data encryption for privacy protection | Terms, fees, and eligibility vary by lender, making it unpredictable |
| No hard credit check to browse loan options | Some users report technical issues, such as freezes and slow response times |
Key Benefits
Here’s what makes Strix stand out as a loan app:
Loan Matching Network
Strix connects you to a network of licensed lenders across the U.S., letting you compare different loan offers all in one place instead of applying to each lender individually.
Quick Loan Decisions
After you fill out the application, lenders provide nearly instant feedback on your eligibility and the terms of the loan.
Flexible Loan Amounts
You can borrow anywhere from a small amount up to $5,000+ with repayment terms ranging from 3 to 36 months. This makes Strix suitable for both short-term needs and larger expenses.
Top-Notch Data Protection
Your information is protected with bank-level encryption, making sure your personal details are safe from identity theft risks.
25. Beem
Google Play Store Rating: 4.0/5
Apple Store Rating: 4.7/5
Beem (formerly Line) is a U.S.-based mobile app that offers early access to your verified deposits through a feature called Everdraft. With Everdraft, you can access anywhere from $10 to $1,000 of your own money interest-free and without credit checks or set repayment dates.
Beem also includes a low monthly subscription and offers tools for financial insights, tax filing, and peer-to-peer transfers.
Pros and Cons
| Pros | Cons |
| Interest-free access to your own deposited money | Doesn’t work as a traditional loan |
| Low-cost subscription (around $0.99–$2.47/month) | Reports of app crashes, login issues, and delayed withdrawals |
| Up to five family or friends can be added under one subscription plan | Only available to U.S.-based users |
Key Benefits
Here’s what makes Beem an easy and powerful financial tool:
Budgeting and Financial Insights
Beem offers a smart financial feed that tracks your spending, alerts you when your balance is low, and helps you stay on top of bills and avoid overdrafts.
Tax Filing Integration
You can file both federal and state taxes directly through Beem, making tax season smoother and helping you possibly get bigger refunds.
Peer Transfers and Social Tools
Send money to anyone quickly even if they don’t have a bank account. Beem also lets you split bills with others and schedule payments, making it easy to manage shared expenses.
Security and Support
Your data is protected with bank-level encryption, and you can reach customer support 24/7 through chat, email, or phone. All sensitive information is kept safe with high privacy standards.
Choosing the Right Cash Advance App? Here’s What to Consider
Finding the right cash advance app can be tricky, especially when you need money quickly. It’s important to carefully evaluate your options to make sure you pick the best one for your financial situation.
Before choosing an app like EarnIn, here are the key factors to keep in mind:
1. Loan Amount and Withdrawal Limits
Every cash advance app has different limits on how much you can borrow. Check the app to make sure it offers a loan amount that meets your current needs and gives you full access to the funds when you need them.
2. Subscription and Hidden Fees
Some cash advance apps are free to use, while others charge extra fees, such as subscriptions or for additional features like tools and monitoring. Be sure to check if the benefits of the subscription are worth the cost.
3. Speed of Fund Transfer
Cash advance apps usually offer free standard deposits, but if you need money fast, there might be a fee for instant transfers. Look for an app that offers quick cash transfers at a reasonable price, so you can get the money you need without paying too much.
4. Income Verification and Eligibility
Many cash advance apps check your eligibility by looking at your direct deposit history. If you’re a freelancer or have multiple jobs with irregular income, look for apps that let you verify your eligibility through payment app connections or by submitting bill documents.
5. Extra Features
In addition to fast cash, many apps offer tools for improving your financial health, like credit-building options and savings features. Look for an app that provides these long-term financial tools, so you can work toward lasting financial stability, not just short-term loans.
Are Cash Advance Apps Like Earnin Safe to Use?
Cash advance apps like EarnIn allow users to access quick emergency funds, but it’s important to consider both their safety and reliability before using them. These apps have security measures and data protection policies in place, so make sure you understand how they protect your information before getting started.
1. Strong Data Encryption
Cash advance apps use the same security methods as banks to keep your financial and personal information safe. Their encryption protects your data from cyber threats and ensures that unauthorized people can’t access it.
2. Secure Login and Authentication
These apps use multi-factor authentication (MFA) to enhance security. This means you’ll need to verify your identity through email, phone confirmation, or biometric methods like fingerprint or facial recognition before accessing your account.
3. Regulatory Compliance and Transparency
Trusted cash advance apps follow financial regulations and make sure to clearly explain their services. Before you accept a loan, they provide all the details about fees, repayment terms, and privacy policies, so you know exactly what you’re agreeing to.
4. Privacy Protection
Cash advance apps protect your privacy by following strict rules on how they collect and store your data. They clearly explain their data policies to you and only share your sensitive information if you give explicit permission.
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Create Your Own Financial Apps Like Earnin Today!
If you’re tired of struggling between paychecks or worried about surprise expenses, apps like Earnin can provide a lifeline. These types of apps let you access your earned wages early, with lower fees and more control over your finances. While they’re not a fix for long-term financial issues, they can definitely help you manage day-to-day cash flow challenges. Just be sure to use them carefully and always understand the details before jumping in.
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Frequently Asked Questions
Q. Are there any other apps like Earnin?
If you like the idea of getting paid before payday but want to explore other options, there are several apps similar to Earnin that offer the same benefits. For instance, MoneyLion lets you borrow up to $500 with no interest or credit checks. Brigit is another option that includes budget tracking and overdraft protection, but it does have a monthly fee. Then there’s Dave, which offers small cash advances and even comes with a checking account that features early pay access.
Each app has its own set of benefits, so it’s worth exploring which one best suits your income and financial needs. Just remember to check out the fees, transfer speeds, and eligibility before signing up.
Q. Which apps offer loans instantly?
Apps like Earnin, MoneyLion, Dave, and Brigit are some of the top choices for quick or same-day cash advances. Many of these apps let you access funds almost immediately, especially if you choose their express transfer option. For example, Dave provides fast cash advances through its “Express” feature.
However, keep in mind that while the funds can be quick, your eligibility will depend on factors like your income, bank account activity, and how well you’ve managed repayments in the past.
Q. Where can I borrow $200 instantly?
You can borrow money through apps like Earnin, which we’ve discussed here. Dave offers an “ExtraCash” advance of up to $500, and Brigit can send funds instantly based on your account history.
Most of these apps offer instant funding if you choose the express delivery option, which might come with a small fee. If you go with the standard delivery, it’s usually free but can take 1-2 business days. Be sure to read the details carefully so you know exactly what to expect.
Q. Why was I rejected for a $1,000 loan with no credit check?
Even though some lenders don’t check your credit score, getting approved for a $1,000 loan isn’t guaranteed. These apps and lenders often consider other factors like your income, bank activity, spending patterns, and how long you’ve had a consistent deposit history.
If you don’t have regular direct deposits, if your account has frequent overdrafts, or if your income is low or inconsistent, you could be denied. Some platforms also start you off with a small loan limit and increase it as you build trust with them. So, being turned down doesn’t mean you can’t get a loan in the future it just means you might need to build up your account history or try for a smaller loan amount to begin with.
Q. Is Earnin safe or legit?
Earnin has been in business for over ten years (formerly known as Activehours) and is based in Palo Alto. It works with FDIC-insured Evolve Bank and Trust, which confirms that it’s a legitimate and trustworthy service.
As for data security, Earnin uses top-notch protections, including 256-bit encryption, firewalls, and strict privacy measures. They also assure users that they don’t sell your personal information. So, you can feel confident using it in terms of both safety and legitimacy.
Q. Can Earnin alternatives hurt my credit or get me into debt?
Apps like Earnin don’t affect your credit score because they don’t do hard credit checks or report to credit bureaus. So, in that sense, using them won’t damage your credit. But even though they might seem low-risk, it’s important to use them carefully.
While apps like Earnin don’t charge interest, they can lead to a cycle of relying on them too much. If you keep borrowing from your next paycheck, it can make it harder to manage future expenses, especially if you’re not planning for the repayments. Also, optional express fees and tipping (which are encouraged) can add up, making the service more expensive than you might expect.
Q. Do apps like Earnin charge interest or fees?
Most apps like Earnin don’t charge traditional interest rates like banks or payday lenders. Instead, they often use a voluntary tip system, where you can choose to leave a small tip (usually between $1 and $14) to support the service. Some apps also offer subscription plans that give you extra features, like higher borrowing limits or faster transfers.
While regular transfers are typically free, instant transfers may come with a small fee, depending on the amount and how fast you want the money. These options make the service more affordable compared to payday loans, but it’s still a good idea to keep track of how much you’re tipping or paying in fees, since they can add up over time.
