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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

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on Possible Finance's secure site
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.

  • Available in: California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Oklahoma, Tennessee, Texas, Utah, Washington
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 amountUp to $500
Interest rate typeFixed
Loan TermUp to 2 months
Turnaround timeAs 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.

  • Available in all states
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 amountUp to $100
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame 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.

  • 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 amountUp to $300
Interest rate typeFixed
Loan TermVaries
Turnaround timeAs soon 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. 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.
  • Available in all states
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 amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround timeAs soon 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.

  • 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 monthly Even Plus membership fee
  • Advance limited to hours already worked
Loan amountUp to 50% of earned wages
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame day to 1 business day

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.

  • 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 amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround timeImmediately with Lightning Speed — otherwise 1 to 2 business days

How does Brigit compare?

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

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    MoneyLion is a pay advance app stacked with features — and hefty fees to match. We’ve lined up 6 alternatives to help you go easy on your wallet.

  • Apps like Lenme

    If you’re considering using Lenme for a pay advance but its negative reviews are holding you back, we’ve lined up 7 alternatives that could offer more reliability and transparency.

  • 5 apps like Klover

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  • Dailypay pay advance app review

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  • FlexWage pay advance app review

    This employer-based app is one of the few that offers advances on tips and commissions on top of base pay. But is it worth the cost?

  • Payactiv pay advance app review

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  • Zirtue peer-to-peer lending app review

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  • Klover pay advance app review

    The Klover app is a good choice for people with steady income. And its optional boosts are an added benefit to using its service.

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