Apps like Brigit

Brigit lets you access up to $250 per pay period and get advances within minutes for free by linking a qualifying debit card. But with a high membership fee of $9.99 a month, Brigit isn’t the most competitively priced option and its $250 maximum is lower than other apps, like Earnin or Even. If you’d rather skip the monthly fee or need a bigger cash advance amount, choose from these other options.

For low monthly fees

Dave ExtraCash

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• Overview
• Pros & Cons
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Dave is a membership-based app, but unlike Brigit, its membership only costs $1 a month. By comparison, that's only $12 a year for Dave versus $120 a year for Brigit. But transfers are potentially slower — unless you're willing to pay $2.49 and up for an express transfer within eight hours. In addition, Dave doesn't let you change or extend your repayment date like Brigit does, which might make it harder to budget if you're stretched thin.

• Available in all states

Pros

• Interest-free cash advances
• Can pause membership to save on fees
• Tracks spending to prevent overdrafts
• Not required to connect a work schedule

Cons

• Instant advances cost $2.49 to $5.99
• Turnaround takes up to three days
• May be banned for missing a payment
• Can't change or extend your payback date

Loan amount	Up to $500
Interest rate type	Fixed
Loan Term	Varies
Turnaround time	Same business day to 3 business days

Loan amount	Up to $500
Turnaround time	Same business day to 3 business days

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For larger cash advances

Earnin

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• Overview
• Pros & Cons
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Earnin's maximum cash advance amount is $500 for eligible users and it makes money through optional tips — not monthly membership fees — saving you $120 per year compared to Brigit. It also has a faster turnaround, transferring 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 — the limit depends on how much you've already earned.

• Available in all states

Pros

• No membership fees or obligation to tip
• Same-day transfers available
• Offers overdraft protection

Cons

• Advance limited to hours already worked
• Must upload a work schedule or enable location services
• Must have regular work hours

Loan amount	Up to $500
Interest rate type	Fixed
Loan Term	Varies
Turnaround time	2 to 3 days, or instant with Lightning Speed

Loan amount	Up to $500
Turnaround time	2 to 3 days, or instant with Lightning Speed

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For boosting your credit score

Possible Finance Mobile Installment Loans

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• Overview
• Pros & Cons
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Possible Finance provides quick turnaround short-term installment loans — but you can expect to pay anywhere from $15 to $20 for this service. But unlike Brigit and other cash advance apps, it reports your payments to the three major credit bureaus to help 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 good option if you only need the occasional advance.

• Available in: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Louisiana, Michigan, Ohio, Oklahoma, Rhode Island, Texas, Utah, Washington

Pros

• Borrow up to $500
• Same-day funding available
• Helps build credit

Cons

• High fees
• Only available in select states
• Must meet income requirement

Loan amount	Up to $500
Interest rate type	Fixed
Loan Term	Up to 2 months
Turnaround time	As fast as 1 business day

Loan amount	Up to $500
Turnaround time	As fast as 1 business day

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For frequent borrowers

Vola Finance

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• Overview
• Pros & Cons
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Compared to Brigit's standard $9.99 monthly fee, Vola membership starts at $2.99, which represents a savings of $84 a year. Like Brigit, Vola monitors your finances and helps you avoid overdraft fees. But unlike Brigit, you don't need to work regular hours to qualify for a cash advance. As long as you maintain an average bank account balance of over $150 and stay current on your repayments, you may qualify for multiple advances up to $300 per pay period.

• Available in all states

Pros

• Tools to manage finances
• No regular work hours required
• Notifications for low account balance

Cons

• Membership tiers aren't transparent
• Minimum $150 average balance required
• Lower maximum advance

Loan amount	Up to $300
Interest rate type	Fixed
Loan Term	Varies
Turnaround time	As soon as same business day

Loan amount	Up to $300
Turnaround time	As soon as same business day

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For tracking your finances

Even

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• Overview
• Pros & Cons
• More Details

Even is an employer-sponsored financial planning tool that offers a cash advance feature, called Instapay. Instapay allows you to borrow up to 50% of the money you've already earned per pay period. But you'll need an Even Plus membership to use it, which costs $8 — and only if your employer partners with Even. But, unlike Brigit, you can get your cash advance the same day at any US Walmart or within one business day to your bank account.

• Available in all states

Pros

• 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

Cons

• Cash advance limited to qualifying employers
• $8 Even Plus membership fee
• Advance limited to hours already worked

Loan amount	50% of paycheck
Interest rate type	Fixed
Loan Term	Varies
Turnaround time	Same day

Loan amount	50% of paycheck
Turnaround time	Same day

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How does Brigit compare?

Read more about Brigit with our review, but here are its basic benefits and drawbacks:

Visit our guide to the best payday loans and alternatives to read about more ways to quickly access cash.

Alternatives to payday and installment loans

You may have noticed that payday and installment loans aren’t included on our list here. Payday and installment loans are often predatory and come with super-high interest rates — sometimes in the triple digits — which may hurt users more than the advances help them.

Did you know?

• A typical $375 payday loan comes with $520 in fees because of repeat borrowing.
• The average APR on a payday loan can reach a shocking 650% in states with no protections against predatory short-term lenders.
• While payday loans are designed for one-time emergency expenses, about 70% of borrowers use them for recurring costs like utilities and bills.
• Most payday loan borrowers stay in debt for at least 11 months.

cash advance apps typically don’t charge interest and may be a more affordable alternative to high interest payday loans. Compare among cash advance apps to find one that suits your needs and budget.

If you don’t want to use a cash advance app

Cash advance apps are only one option if you’re looking for quick cash. If you need to borrow more than these apps offer or don’t have a regular paycheck, you may want to look into these alternatives:

• Payday alternative loans. Some federal credit unions offer their members payday alternative loans, which are short-term loans up to $1,000. Rates are capped at 28% APR, but with a month-long wait, they’re not good for short-term emergencies.
• Auto title loans. If you own your car, auto title loans use your vehicle’s title as collateral which makes them more competitively priced payday loans. However, if you miss your repayments and go into default, you could lose your car.
• Local programs and resources. Many local government agencies, nonprofits, churches and charities offer free financial services to those in need to pay for things like food or utilities. Check out our guide to local resources by state to find one near you.

See our payday loan alternatives guide to compare even more options for your borrowing needs. It covers local resources plus 11 other less conventional alternatives to consider if you’re in need of a financial boost.