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5 pay advance apps like Even

Don't work for an employer that uses this app? Here are others that may be a better fit.

Even is more than a pay advance app. It’s a financial planning tool that helps you budget and save. But you need to have an Even Plus membership to qualify for an Instapay cash advance. This comes with a fee and is only available if you work for a qualifying employer.

These alternatives offer less-expensive and less exclusive ways to access your wages before payday.

Our 5 top alternatives to Even

  • If you want an advance that does the work for you: Brigit
  • If you’re looking for a fast, one-time advance: Earnin
  • If you need overdraft protection: Dave
  • If you want to organize your work life: Branch
  • If you want to keep your money in one place: MoneyLion

For an app that does the work for you

Brigit

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on Brigit's secure site
Brigit charges a hefty $9.99 monthly subscription. But it offers features to track your spending and automatically send up to $250 to your bank account to prevent an overdraft. While you don't have to work at an eligible employer, you have to make at least $1,500 a month to qualify.
  • Available in all states
Pros
  • Automatic advances can prevent overdraft fees
  • No need to work for a specific employer
  • Can extend your due date
Cons
  • Monthly membership fee of $9.99
  • Advances limited to $250 per pay period
  • May take up to two business days to get advance
Loan amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame business day to 2 business days

For a fast, one-time advance

Earnin

Unlike Even, Earnin doesn't require you to work for an eligible employer or charge a membership fee. Instead, this pay advance app earns money through an optional tip. If you choose to tip, you'll get access to overdraft protection and money in your account within minutes. But you need to upload your work schedule and you can only borrow up to $500 per pay period.
  • Available in all states
Pros
  • Same-day funding available
  • No specific company requirements
  • No membership fees and tips are optional
Cons
  • Can only borrow up to $500 per pay period
  • Cash advance limited to the hours already worked
  • Must upload a work schedule
Loan amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround timeImmediately with Lightning Speed — otherwise 1 to 2 business days

For overdraft protection

Dave

Dave is an overdraft protection app with subscriptions starting at $1 per month. It doesn't have any specific employer requirements and you don't have to connect your work schedule. But it can take three days to get your money, unless you pay a $4.99 fee. It also only covers up to $100 per month and you could be banned if you miss a payment.
  • Available in all states
Pros
  • Lower monthly membership fee of $1
  • No employer requirements
  • Monitors your finances to help predict future expenses
Cons
  • Limited advance amount of $100
  • Can take up to three days
  • No extensions available
Loan amountUp to $100
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame business day to 3 business days

For an app that also organizes your work life

Branch

Like Even, Branch offers more features than just an advance, with a focus on organizing your work life — such as scheduling. And it can be free: There's no interest, no membership fee and no required tip. But the features available to you depend on your employer and you might be put on a waitlist if your company isn't enrolled. It also only offers up to $500.
  • Available in all states
Pros
  • Same-day turnaround available
  • No membership fees or obligation to tip
  • Exclusive features to help manage work life
Cons
  • Advances limited to $500 per pay period
  • May be put on a waitlist
  • Features depend on your employer
Loan amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround timeAs early as same business day

For keeping your money in one place

MoneyLion Instacash advances

MoneyLion is a bank that offers a number of free features, including access to an advance of up to $250 — or 10% of your direct deposit. While you're required to have a MoneyLion checking account to qualify for an advance, it won't cost you anything to sign up. And it allows MoneyLion to put the funds in your account as soon as you request it. But it isn't available in all states.
  • Available in all states
Pros
  • Instant advance
  • No membership fees or need to tip
  • Access other banking services, including free credit monitoring
Cons
  • Limited to $250 per pay period or 10% of your direct deposit
  • Must have a MoneyLion checking account
  • Not available in Indiana, Iowa, Montana, Nebraska, Nevada or Vermont
Loan amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround timeAs soon as same business day

How does Even compare?

You can our review of Even for an in-depth look at this pay advance app. But these are the main benefits and drawbacks.

Pros

  • Interest-free cash advance
  • Instant cash pickup available at any US Walmart
  • Direct deposit only takes one business day
  • Automatically sets money aside for savings
  • Calculates an “okay to spend” amount based on your bills and spending habits

Cons

  • Must work for a company that uses Even Plus
  • Monthly $8 Even Plus membership fee
  • Loan amount limited to the hours you’ve already worked

Frequently asked questions

Answers to common questions about Even and its alternatives.

Can I use a pay advance app with a joint bank account?

It depends on the provider. Even allows borrowers to get an advance with a joint bank account — provided you reach out to customer service to get things set up — while other apps don’t allow it. Read our review for the provider you’re interested in to find out.

Does every pay advance app track my spending?

For the most part, yes. This is done for various reasons — but in general, apps like Even, Dave and Brigit track your spending to better predict when you might need an advance.

Do other apps allow me to pick up cash?

No. As of this writing, only Even offers this feature — and it’s only available through Walmart. Competing apps simply deposit your advance into your bank account.

See how other top providers compare to different lenders by checking out A-to-Z directory.

More guides on Finder

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  • FlexWage pay advance app review

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  • 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.

  • B9 pay advance app review

    This pay advance app gives you access to your paycheck 15 days in advance. But with a $4.99 monthly fee, it may not be worth it for everyone.

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