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5 pay advance apps like Branch
These similar apps can get you money — without depending on your employer.
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
- Same-day turnaround
- 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.
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.
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.
- 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.
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.
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.
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 up to $250 — or 10% of your direct deposit each pay period.
- Not available in Indiana, Iowa, Montana, Nebraska, Nevada or Vermont.
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