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
- Best for boosting your credit: Possible
- Best for avoiding fees: Dave
- Best for frequent borrowers: Vola Finance
Best for boosting credit: Possible Finance Mobile Installment Loans
Up to $500
Loan amount
Loan amount
As fast as 1 business day
Turnaround time
Turnaround time
No membership fee
Membership fees
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
Loan amount
Same business day to 3 business days
Turnaround time
Turnaround time
$1/mo
Membership fees
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
Loan amount
As early as same business day
Turnaround time
Turnaround time
Starts at $4.99/mo
Membership fees
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
Loan amount
As early as same business day
Turnaround time
Turnaround time
$19.99/mo
Membership fees
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
Loan amount
Same business day to 1 business days
Turnaround time
Turnaround time
$8/mo
Membership fees
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
Loan amount
Same business day to 2 business days
Turnaround time
Turnaround time
No membership fee
Membership fees
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.
{"niche":"USFSL"}
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.
More guides on Finder
-
Calm app review Jan 2021
This app is known for its meditations, music and “sleep stories” — but it lacks structure.
-
Stock screeners
Free and paid stock screeners designed to help you identify trading opportunities.
-
Vola Finance pay advance app review
Borrow up to $300 — but membership fees aren’t transparent.
-
Brigit review
Could this little budgeting app help you avoid overdraft fees for good?
-
11+ apps like Uber you can use today
On-demand rideshare booking apps that savvy commuters can compare.
-
Alternatives to tax refund advances
Don’t want to pay to have your taxes prepared? Miss the deadline? Consider one of these options instead.
-
Subaru Roadside Assistance
It can help get you out of a pinch for free with basic services, but only for a limited time.
-
Best credit cards for international students
Most student cards require an SSN, but you can apply for some cards without it.
-
Best checking accounts of 2021
Compare interest-bearing and fee-free checking account options.
-
Dave Banking account review
Enjoy features like 0% interest cash advances, automatic budgeting, overdraft protection and more.
Ask an Expert