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.
Cash advances of up to $150 a day — up to $500 each pay period
No interest, membership fees or tipping required
Features to help manage your finances and work schedule
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 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
Same business day to 3 business days
$1 monthly membership fee and express delivery for $4.99 fee
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
Only available in seven states
Must make $750 per month
Possible Finance Mobile Installment Loans
Up to 2 months
As fast as 1 business day
Rates vary by state, though you’ll likely be charged around $15 or $20 per $100 borrowed.
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
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.
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
Same business day to 2 business days
Optional tip of up to $14 per withdrawal
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
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
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.
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
It depends on the provider. Branch allows its users to request an advance on its desktop site, while others have different requirements. Read our reviews of individual apps you’re interested in for details.
Yes. Because the money you receive is an advance on your paycheck, you must provide proof of employment. What you borrow is typically repaid on your next payday.
Generally, yes. A pay advance through one of these apps can be much less expensive than a payday loan, which comes with rates and fees upwards of 400% APR. You may not be able to borrow as much with these apps, however. Learn more about short-term lending in our guide to payday loans.
Kellye Guinan is a writer and editor with Finder and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.
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