5 pay advance apps like Branch | finder.com
USFPL-branchapp-featured-image

5 pay advance apps like Branch

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Stuck on a wait list? Check out similar apps that can get you money stat.

Branch offers among the higher maximums of pay advance apps without a membership fee. And select borrowers can get their advance on the same day it’s requested, along with extras that allow you to check your work schedule, switch shifts and chat with coworkers.

But there’s a major catch: You could be put on a wait list if your employer isn’t already set up with Branch. Which isn’t much help if you need a cash advance today.

Pros

  • Cash advances of up to $150 a day — up to $500 each pay period.
  • Same-day turnaround.
  • No interest, membership fees or tipping required.
  • Features to help manage your finances and work schedule.

Cons

  • You may land on a wait list.
  • Access only the money you’ve already earned.
  • Must upload a work schedule.
  • App features depend on your employer.

Worried Branch isn’t right for you? Take a look at other apps that might better fit your needs.


Click here to see Branch


1. Earnin

The main benefit of Earnin is that there’s no wait list or employer restrictions. Otherwise, it’s similar to Branch: You can borrow the same amount each pay period — though just $100 a day — without interest or fees. You also have the option to tip, which unlocks access to features like Balance Shield to prevent overdrafts.

Like Branch, you’ll need to upload a work schedule. And the amount you can borrow is limited to the hours you’ve already worked. But you may qualify for same-day funding.

Pros

  • Cash advance of up to $100 a day — up to $500 each pay period.
  • No interest, membership fees or obligation to tip.
  • Same-day turnaround available.
  • Balance Shield helps you avoid overdraft fees.

Cons

  • Must upload a work schedule.
  • Advance limited to hours you’ve worked.

2. Even

Even is a financial planning tool available to everyone — but pay advances are limited to employees of specific companies. Unlike Branch, it automatically sets aside money in a savings account and tells you how much is available to spend.

Many of its features are exclusive to those who pay the $8 monthly membership fee and work for a specific employer. If you haven’t worked enough — or don’t work for the right company — then this exclusive app may not be helpful when you need an advance.

Pros

  • Advances up to 50% of the money you’ve already earned.
  • Instant cash pickup at Walmart.
  • No interest or obligation to tip.
  • Offers financial-planning tools.
  • Automatically sets money aside for savings.

Cons

  • Must have an Even Plus membership that’s $8 a month.
  • Available to employees of select companies only.
  • Advance limited to hours you’ve already worked.

3. Brigit

Unlike Branch, you’ll need to become a member to access a pay advance from Brigit. And the membership fee is a hefty $9.99 a month. You’ll find valuable features, though. Brigit tracks your spending and bills to make sure you avoid overdrafts, and it can automatically send you up to $250 if you’re at risk of triggering an overdraft fee. But Brigit requires you to meet eligibility criteria to qualify.

Pros

  • Interest-free cash advance.
  • Tracks spending habits to prevent overdraft fees.
  • No tipping required.
  • Extend your due date if needed.

Cons

  • Advance limited to $250 each pay period.
  • High $9.99 monthly membership fee.
  • Turnaround can take up to two days.
  • Must meet strict eligibility requirements.

4. Dave

Dave is another pay advance app that charges a membership fee — though it’s only $1 a month. But unlike Branch, you aren’t able to check your work schedule, switch shifts or communicate with coworkers. You’re also limited to advances of just $75, and it can take up to three days to appear in your bank account. If you opt for a faster turnaround, it will cost you another $4.99.

Pros

  • Interest-free cash advances.
  • Tracks your spending to prevent overdrafts.
  • No obligation to tip.
  • Portion of tips go to a good cause.

Cons

  • Cash advances limited to $75 or less.
  • $1 monthly membership fee required.
  • Turnaround can take up to three days.
  • You may be banned for missing a payment.

5. MoneyLion

MoneyLion brings more features to the table. It may not extend the scheduling flexibility of Branch, but it does offer a checking account, cashback rewards and free credit monitoring — all included with free membership. Access an Instacash advance to borrow up to $250 a pay period. That amount is less than Branch, but the banking services MoneyLion provides may appeal to borrowers looking for more than a pay advance.

Pros

  • Interest-free cash advances.
  • Automatic deposit into bank account.
  • No membership fees or obligation to tip.
  • Access to other banking services, like free credit monitoring.

Cons

  • Must have a MoneyLion checking account.
  • Advance limited to up to $250 — or 10% of your direct deposit each pay period.
  • Not available in Indiana, Iowa, Montana, Nebraska, Nevada or Vermont.

Compare top short-term loan providers

Updated May 26th, 2019
Name Product Filter Values Max. Loan Amount Loan Term Turnaround Time
$35,000
6 months to 6 years
As soon as the next business day
Get connected with multiple lenders you might qualify with — even if you have bad credit.
$5,000
9 to 36 months
1 business day
Comes with the option to change your due date so you won’t fall behind on repayments.
$2,600
Varies
1 to 2 business days
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
$15,000
Varies
1 business day
Get offers from potential lenders in minutes by filling out just one online form.
Varies by state
Varies by state
1 business day
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
$10,000
90 days to 72 months
As early as 1 business day
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
$250
7-30 days
As soon as the next business day
Get rewarded for making on-time repayments with better rates and terms on future loans.
Varies by state
Varies by state
1 business day
Its satisfaction guarantee means you can return the full loan amount within 72 hours if you change your mind.
$1,000
Varies by state
1 to 2 business days
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.

Compare up to 4 providers

Frequently asked questions

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

US Payday Loans Offers

Important Information*
Logo for CashNetUSA Loan
CashNetUSA Loan

Apply for a short-term loan with an easy online application and dedicated customer service.

Logo for Check into Cash Payday Loan
Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

Logo for OppLoans Installment Loans
OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

Logo for LendYou Short-term Loans
LendYou Short-term Loans

Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

Go to site