Editor's choice: Brigit
- Get up to $250
- Sign up in 2-minutes
- No interest, late fees, or credit checks
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
6 pay advance apps like Brigit
Can't meet its strict eligibility requirements? Consider one of these apps instead.
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
- If you want to boost your credit: Possible Finance
- If you want to avoid fees: Dave
- If you’re a frequent borrower: Vola Finance
- If you want to keep track of finances: MoneyLion
- If you want a zero-interest cash advance: Even
- If you need a large advance amounts: Earnin
For boosting your credit
Possible Finance Mobile Installment Loans
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.
Pros
- Borrow up to $500
- Same-day funding available
- Helps build credit
Cons
- High fees
- Only available in seven 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 |
For avoiding fees
Dave
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.
Pros
- Interest-free cash advances
- Tracks spending to prevent overdrafts
- Low monthly membership fee
- Not required to connect a work schedule
Cons
- 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
| Loan amount | Up to $100 |
|---|---|
| Interest rate type | Fixed |
| Loan Term | Varies |
| Turnaround time | Same business day to 3 business days |
| Loan amount | Up to $100 |
|---|---|
| Turnaround time | Same business day to 3 business days |
For frequent borrowers
Vola Finance
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.
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 early as same business day |
| Loan amount | Up to $300 |
|---|---|
| Turnaround time | As early as same business day |
For keeping track of finances
MoneyLion Instacash advances
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.
Pros
- Multiple financing options
- No interest
- Easily track financial health
- Access to other banking services, like credit monitoring
Cons
- Requires MoneyLion checking account
- Must sign up for Credit Builder Plus account
- Advances limited to $250 per pay period
| Loan amount | Up to $250 |
|---|---|
| Interest rate type | Fixed |
| Loan Term | Varies |
| Turnaround time | As early as same business day |
| Loan amount | Up to $250 |
|---|---|
| Turnaround time | As early as same business day |
For zero-interest cash advances
Even
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.
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 monthly Even Plus membership fee
- Advance limited to hours already worked
| Loan amount | Up to 50% of earned wages |
|---|---|
| Interest rate type | Fixed |
| Loan Term | Varies |
| Turnaround time | Same business day to 1 business days |
| Loan amount | Up to 50% of earned wages |
|---|---|
| Turnaround time | Same business day to 1 business days |
For high advance amounts
Earnin
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.
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 | Same business day to 2 business days |
| Loan amount | Up to $500 |
|---|---|
| Turnaround time | Same business day to 2 business days |
How does Brigit compare?
You can read more about Brigit with our review, 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
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.
Visit our guide to the best payday loans and alternatives to read about more ways to quickly access cash.
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.
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.
More guides on Finder
-
Alternatives to Thinkorswim
If you’re on the hunt for a broker similar to Thinkorswim, check out these 5 options.
-
FloatMe pay advance app review May 2021
Small cash advances perfect for avoiding steep overdraft fees.
-
Interactive Brokers alternatives
If you’re looking for a trading platform similar to Interactive Brokers, consider these five options.
-
Empower cash advance review
Solid option for those with Empower memberships. Not the right choice for everyone else.
-
Lenme peer-to-peer lender review
Lenme connects borrowers to investors through its simple app.
-
Trading apps like Robinhood
Investors prepare to jump ship after the platform limited trades on trending stocks like GME, BB and AMC.
-
Calm app review May 2021
This app is known for its meditations, music and “sleep stories” — but it lacks structure.
-
Best holiday loans for bad credit
Compare 6 lenders offering loans that you can qualify for with a credit score under 580.
-
How to request Navient cosigner release
And what to do if you can’t meet its credit, income or degree requirements.
-
Vola Finance pay advance app review
Borrow up to $300 — but membership fees aren’t transparent.
Ask an Expert