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7 pay advance apps like Branch

These similar apps can get you money — without depending on your employer.

Updated

Fact checked

Editor's choice: Possible Finance Mobile Installment Loans

Possible Finance Mobile Installment Loans logo
  • Borrow up to $500
  • No credit check
  • Quick turnaround
Sign up today
Branch offers one of 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 won’t be able to access as many features if your employer isn’t already set up with Branch.

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

  • Access only the money you’ve already earned
  • Must have two months of direct deposits from an employer
  • 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.

Dave

Up to $100
Loan amount
Same business day to 3 business days
Turnaround time
$1/mo
Membership fees
Dave is another 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 $100, 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.
  • Interest-free cash advances
  • Tracks your spending to prevent overdrafts
  • No obligation to tip
  • Portion of tips go to a good cause
  • Cash advances limited to $100 or less
  • $1 monthly membership fee required
  • Turnaround can take up to three days
  • You may be banned for missing a payment
Product Name Dave
Min. Amount
Max. Amount $100
Loan Term





Varies

Loan Security
Turnaround Time
Same business day to 3 business days
Costs $1 monthly membership fee and express delivery for $4.99 fee
Requirements

Possible Finance Mobile Installment Loans

Up to $500
Loan amount
As fast as 1 business day
Turnaround time
No membership fee
Membership fees
Possible Finance is a short-term lender, not a pay advance app. But unlike normal installment loans, you'll be able to borrow through an app — putting it in a similar category as Branch. You'll be able to build your credit as you borrow, and there isn't a membership fee. It's still expensive, however. Possible Finance charges a fee of $15 to $20 per $100 borrowed. And service is limited: Possible Finance only offers installment loans in seven states.
  • Borrow up to $500
  • Same-day turnaround available
  • No membership required
  • High fees
  • Only available in seven states
  • Must make $750 per month
Product Name Possible Finance Mobile Installment Loans
Min. Amount
Max. Amount $500
Loan Term













Up to 2 months

Loan Security Unsecured
Turnaround Time
As fast as 1 business day
Costs Rates vary by state, though you’ll likely be charged around $15 or $20 per $100 borrowed.
Requirements Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+

Vola Finance

Up to $300
Loan amount
As early as same business day
Turnaround time
Starts at $4.99/mo
Membership fees
Vola Finance is relatively new. Like many pay advance apps, it requires you to be a member — and a subscription starts at $4.99 a month. But the amount you can have advanced won't be based on the hours you've worked or your employer. Instead, Vola Finance offers its interest-free advances based on your average account balance and overall financial health. And just like Branch, you'll have access to multiple financial tools to keep your budget in shape.
  • No regular work hours required
  • Tools to manage finances
  • Not dependent on employment
  • Limited to $300
  • 10-day cool off period
  • Average balance of $150+ required
Product Name Vola Finance
Min. Amount
Max. Amount $300
Loan Term





Varies

Loan Security
Turnaround Time
As early as same business day
Costs Membership fee
Requirements

Earnin

Up to $500
Loan amount
Same business day to 2 business days
Turnaround time
No membership fee
Membership fees
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.
  • 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.
  • Must upload a work schedule
  • Advance limited to hours you've worked
Product Name Earnin
Min. Amount
Max. Amount $500
Loan Term





Varies

Loan Security
Turnaround Time
Same business day to 2 business days
Costs Optional tip of up to $14 per withdrawal
Requirements Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work

Even

Up to 50% of earned wages
Loan amount
Same business day to 1 business days
Turnaround time
$8/mo
Membership fees
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. But 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.
  • 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
  • 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
Product Name Even
Min. Amount
Max. Amount
Loan Term





Varies

Loan Security
Turnaround Time
Same business day to 1 business days
Costs $8 monthly membership fee
Requirements

Brigit

Up to $250
Loan amount
Same business day to 2 business days
Turnaround time
$9.99/mo
Membership fees
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.
  • Interest-free cash advance
  • Tracks spending habits to prevent overdraft fees
  • No tipping required
  • Extend your due date if needed
  • 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
Product Name Brigit
Min. Amount
Max. Amount $250
Loan Term





Varies

Loan Security
Turnaround Time
Same business day to 2 business days
Costs $9.99 monthly membership fee
Requirements

MoneyLion Instacash advances

Up to $250
Loan amount
As early as same business day
Turnaround time
$19.99/mo
Membership fees
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.
  • 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
  • Must have a MoneyLion checking account
  • Advance limited to $250 — or 10% of your direct deposit
Product Name MoneyLion Instacash advances
Min. Amount
Max. Amount $250
Loan Term





Varies

Loan Security
Turnaround Time
As early as same business day
Costs $29 monthly fee if you have a Plus membership
Requirements

Compare pay advance apps

Data indicated here is updated regularly
Name Product Filter Values Max. amount per pay period Turnaround time Costs
Possible Finance Mobile Installment Loans
$500
As fast as 1 business day
Rates vary by state, though you’ll likely be charged around $15 or $20 per $100 borrowed.
Borrow up to $500 with just a few swipes — but only for residents of 5 states.
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