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6 pay advance apps like Brigit

Can't meet its strict eligibility requirements? Consider one of these apps instead.

Updated . What changed?

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Editor's choice: Brigit

Brigit logo
  • Get up to $250
  • Sign up in 2-minutes
  • No interest, late fees, or credit checks
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With a high membership fee of $9.99 a month and a monthly income requirement of $1,500 — as well as a two-day processing time for its cash advances — Brigit isn’t the most competitive option out there. If you don’t meet these requirements, or don’t want the monthly fees, consider these apps instead.

Our 6 top picks like Brigit

  • Best for keeping track of finances: MoneyLion
  • Best for zero-interest cash advances: Even
  • Best for high advance amounts: Earnin

Best for boosting credit: 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 technically provides short-term loans — which means you could potentially pay higher fees than some pay advance apps when you borrow. But unlike Brigit and other pay advance apps, it reports your payments to the three major credit bureaus to help you build your credit score. It also has same-day funding available if you have a Visa debit card. So if you want to avoid Brigit's high membership fee, it could be a solid option for those who rarely need an advance.
  • Borrow up to $500
  • Same-day funding available
  • Helps build credit
  • High fees
  • Only available in seven states
  • Must meet income requirement
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+

Best for avoiding fees: Dave

Up to $100
Loan amount
Same business day to 3 business days
Turnaround time
$1/mo
Membership fees
Dave is also a membership-based app. Unlike Brigit, you'll only be charged $1 a month. But transfers are slow — unless you're willing to pay $4.99 for a same-day transfer — and you'll only be able to borrow up to $100. In addition, Dave doesn't let you change or extend your payback date.
  • Interest-free cash advances
  • Tracks spending to prevent overdrafts
  • Low monthly membership fee
  • Portion of each tip goes to a good cause
  • Not required to connect a work schedule
  • Advances limited to $100
  • Turnaround takes up to three days
  • May be banned for missing a payment
  • Can't change or extend your payback date
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

Best for frequent borrowers: Vola Finance

Up to $300
Loan amount
As early as same business day
Turnaround time
Starts at $4.99/mo
Membership fees
Unlike Brigit's standard $9.99 monthly fee, Vola's basic membership tier starts at $4.99. And Vola is more than just a pay advance app. It monitors your finances and helps you avoid overdraft fees. You won't need to work regular hours, either. As long as you maintain an average bank account balance over $150, you may qualify for an advance.
  • Tools to manage finances
  • No regular work hours required
  • Notifications for low account balance
  • Membership tiers aren't transparent
  • Minimum $150 average balance required
  • Lower maximum advance
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

Best for keeping track of finances: MoneyLion Instacash advances

Up to $250
Loan amount
As early as same business day
Turnaround time
$19.99/mo
Membership fees
MoneyLion is an online bank that also offers Instacash advances for MoneyLion checking account holders. You can borrow up to $250 — the same as Brigit — or 10% of your direct deposit each pay period. And with other features like zero-fee checking and free credit monitoring, it may be worth starting an account.
  • Multiple financing options
  • No interest
  • Easily track financial health
  • Access to other banking services, like credit monitoring
  • Requires MoneyLion checking account
  • Must sign up for Credit Builder Plus account
  • Advances limited to $250 per pay period
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

Best for zero-interest cash advances: Even

Up to 50% of earned wages
Loan amount
Same business day to 1 business days
Turnaround time
$8/mo
Membership fees
Part of Even's suite of financial tools is its Instapay feature, which allows you to borrow up to 50% of the money you've already earned during a pay period. However, you'll need an Even Plus membership for this feature — and only employees of certain companies qualify. But, unlike Brigit, you can pick up your cash advance the same day at any US Walmart. Plus, it automatically sets aside money to pay your bills and calculates an Okay to spend amount to help you manage your spending.
  • Interest-free cash advances of up to 50% of money you've already earned
  • One-day transfer or same-day cash pickup at Walmart
  • Automatically sets money aside for savings and bills
  • Tracks bills to give an Okay to spend amount
  • Cash advance limited to qualifying employers
  • $8 monthly Even Plus membership fee
  • Advance limited to hours 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

Best for high advance amounts: Earnin

Up to $500
Loan amount
Same business day to 2 business days
Turnaround time
No membership fee
Membership fees
Unlike Brigit, Earnin makes money through optional tips — not membership fees. It also has a faster turnaround than Brigit, depositing your funds in just a few minutes if you qualify for its Lightning Speed program. But while Earnin has a higher advance limit — $100 per day or $500 per pay period — this is based on how much you've worked. You may not qualify for a larger amount if you haven't already earned the money.
  • No membership fees or obligation to tip
  • Same-day transfers available
  • Offers overdraft protection
  • Advance limited to hours already worked
  • Must upload a work schedule or enable location services
  • Must have regular work hours
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

Compare alternatives to pay advance apps

To see short-term loan lenders, select your state and click Show me my options.

Data indicated here is updated regularly
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
OppLoans Installment Loans
$500 to $5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Find A Loan
$50,000
Not stated
At least 18 years old, $800+ month income, employed, checking account, US citizen
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
Check Into Cash Payday Loan
$50 to $1,000
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.
Fast5kLoans Short-term Loans Connection Service
$35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
Monevo Installment Loans
$100,000
Varies by lender
Credit score of 500+, legal US resident, ages 18+
Quickly compare multiple online lenders with competitive rates depending on your credit.
BadCreditLoans.com
$10,000
Varies
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
LendYou Short-term Loans
$15,000
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
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How does Brigit compare?

You can read more about Brigit, but here are its basic benefits and drawbacks:

Pros

  • Interest-free cash advances of up to $250 per pay period
  • No late fees or obligation to tip
  • Due date extensions available
  • Automatic advances if you’re low on funds
  • Predicts potential overdrafts

Cons

  • High monthly membership fee of $9.99
  • Up to two-day turnaround
  • Rigorous eligibility criteria
  • Advance limited to wages already earned

Frequently asked questions

Our answers to questions you might have about Brigit and other pay advance apps.

How long will it take to process my advance?

It depends on when you request an advance and the app you decide to use. Some offer same-day funding, while others take a few business days. You can check out our reviews of each app for more details.

Will using a pay advance app like Brigit affect my credit?

No. Brigit and its competitors don’t check your credit when you request an advance or send a report when you pay back what you owe.

Why do Brigit and other pay advance apps need my bank account?

To process your requests and make sure you have a steady source of income, Brigit and other pay advance apps require you to connect a bank account.

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