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5 pay advance apps like Dave

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These apps offer larger advance amounts and competitive features.

Dave is a pay advance app that helps you avoid overdrafts by providing small cash advances, regardless of hours you’ve worked or the company you work for. And while it has a membership fee, you’ll only have to pay $1 a month — much lower than other pay advance apps out there.

However, you’ll have to wait up to three days for standard delivery, and this app doesn’t allow you to extend or change your payback date.

Pros

  • Interest-free cash advances
  • Low monthly membership fee
  • Monitors your finances to help predict future expenses
  • No obligation to tip
  • Portion of proceeds go to good cause

Cons

  • Limited advance amount of $75
  • May take up to three days for standard delivery
  • No extensions available
  • Not able to change payback date
  • May be banned from app for missing payments

Not sure Dave is right for you? Check out these other pay advance apps that might be able to help:


Click here to see Dave


eanin app logo

1. Earnin

Earnin works much like Dave, but there are no membership fees involved. You can also borrow more — up to $100 per day or $500 per pay period, depending on the hours you’ve already worked. And you may be able to get your advance in minutes if you qualify for its Lightning Speed program. Otherwise, it’ll be deposited into your bank account the next business day. It also has a Balance Shield program that helps prevent overdraft fees.

Pros

  • Cash advances of up to $500 per pay period
  • No fees, interest or obligation to tip
  • Instant access to funds with Lightning Speed program
  • Balance Shield program helps you avoid overdraft fees

Cons

  • Advance limited to hours you’ve already worked
  • Must have regular work hours
  • Must upload your work schedule or enable location services

2. Even

Even is a financial planning app that offers advances of up to 50% of the money you’ve already earned — as long as you work at a qualifying employer. You can also pick up your cash the same day at any US Walmart. But unlike Dave, it comes with a hefty $8 monthly Even Plus membership fee to have access to its Instapay advance feature.

However, it goes one step above Dave by checking your bank account three times a day and giving you an “okay to spend” amount that accounts for bills. It then sets money aside so you won’t struggle to budget at the end of the month.

Pros

  • Cash advances of up to 50% of the money you’ve already earned
  • No interest charges or obligation to tip
  • Same-day cash pickup available at any US Walmart
  • Extra financial planning tools available

Cons

  • Must be employed by a qualifying company
  • Requires an $8 monthly Even Plus membership
  • Advance limited to hours you’ve worked

3. Brigit

Like Dave, Brigit is another pay advance app that requires a membership fee. But you have access to a larger cash advance — up to $250, with the option for automatic withdrawal if your bank account balance gets too low. Similar to Dave, your account is analyzed to help predict your spending habits and prevent overdrafts. But you’ll have the ability to extend your due date if you can’t make your repayment, and there’s no obligation to tip.

However, it’s pricey. Dave costs $12 a year, while Brigit costs just under $120 annually. Its funding speed isn’t that much faster than Dave, and there’s a long list of eligibility criteria you’ll need to meet to qualify for an advance, including making over $1,500 a month.

Pros

  • Cash advances of up to $250 per pay period
  • No interest charges or obligation to tip
  • Due date extensions available
  • Analyzes spending habits to avoid overdrafts

Cons

  • Pricey $9.99 monthly membership fee
  • Funding may take up to two business days
  • Stringent eligibility requirements

4. Branch

Unlike Dave, Branch is more than just a pay advance app. It also has features to help you manage your work life, including the ability to switch shifts, chat with coworkers and track how much you’ve earned. On top of that, you can get up to $150 a day — or $500 per pay period — based on the hours you’ve already worked. There are no membership fees and you may be able to get your advance as soon as the same day.

However, you may be put on a waitlist when you first sign up if your employer doesn’t already have an account with Branch.

Pros

  • Cash advances of up to $500 per pay period
  • Same-day turnaround
  • No interest, membership fees or obligation to tip
  • Chat with coworkers and easily switch shifts

Cons

  • May be put on a waitlist
  • Advance limited to hours you’ve already worked
  • Must work regular hours

5. MoneyLion

MoneyLion is a bank that offers pay advances to its checking account holders. You can get up to $250 per pay period automatically deposited into your checking account — beating out Dave by a few days. But like Dave, there are no fees or interest to borrow, and you won’t have to worry about tipping.

However, it’s limited to a select number of states, and you can only borrow up to 10% of your direct deposit per pay period.

Pros

  • Cash advances of up to $250 per pay period
  • Automatic deposits
  • No interest, fees or obligation to tip
  • Access to multiple services, including free credit monitoring

Cons

  • Must have a MoneyLion checking account
  • Limited to 10% of your direct deposit per pay period
  • Not available in Indiana, Iowa, Montana, Nebraska, Nevada or Vermont

Compare pay advance apps

Updated October 20th, 2019
Name Product Max. amount per pay period Turnaround time Costs
$500
Same business day to 2 business days
Optional tip of up to $14 per withdrawal
Get an advance on the wages you’ve already earned — with no fees or interest.
$75
Same business day to 3 business days
$1 monthly membership fee and express delivery for $4.99 fee
Borrow up to $75 to avoid hefty overdraft fees.
$250
As early as same business day
$29 monthly fee if you have a Plus membership
Fee-free, interest-free cash advances up to $250.
Up to 50% of your current net pay
Same business day to 1 business days
$8 monthly membership fee
Access up to 50% of your already-earned wages — but only if you work for an eligible employer.
$250
Same business day to 2 business days
$9.99 monthly membership fee
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
$500
As early as same business day
No cost for 3-day option, $3.99 for instant deposit
Hourly workers can get an interest-free advance of up to $150 per day on earned wages.

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2 Responses

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    DavidMay 3, 2019

    How do you apply?

    • Avatarfinder Customer Care
      MaiMay 4, 2019Staff

      Hi David,

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