5 pay advance apps like Even

Even is more than a pay advance app — it’s a financial planning tool that calculates how much you can safely spend and sets aside savings so you don’t come up short at the end of the month. But while these features are available to anyone, you need to have an Even Plus membership to qualify for an Instapay cash advance.

And this membership is exclusive: You’ll only have access if you work for a qualifying employer.

Not sure if Even is right for you? Here are five other pay advance apps to consider:

Click here to see Even

1. Earnin

Unlike Even, you don’t have to work for a specific employer to get an advance — and most importantly, you won’t have to pay any membership fees. Instead, Earnin makes its money through optional tips. And when you tip, you’ll have access to overdraft protection and quick transfers that take just a few minutes to reach your bank account.

There are some requirements, though. You’ll have to enable your location or upload a work schedule, and Earnin has a borrowing limit of $500 per pay period — or $100 per day.

2. Dave

Dave may not have the quickest turnaround of the pay advance apps — though you can speed it up by paying a $4.99 fee. But unlike Even, it has a low membership fee of $1 a month. And you don’t need to work for a specific employer to qualify. Anyone can use Dave as long as you have a consistent income and some extra money in your bank account at the end of each month. And while there’s no obligation to tip, a portion of each will go toward Trees for the Future.

However, Even wins in the cash advance amount department. Dave’s advances are limited to $75, and you won’t be able to change your payback date or request an extension.

3. Brigit

Unlike Even, Brigit doesn’t require you to work for a specific employer, but it will cost you. The membership fee is $9.99 a month and you’ll only be able to borrow $250 per pay period. While there are no late fees or costs to borrowing, along with the option to extend your due date, Brigit does have a few limitations. Not only will it take up to two days to process your advance, but you have to make at least $1,500 a month to qualify.

However, Brigit tracks your spending and can automatically send an advance into your bank account if you’re at risk of overdrafting. This feature is optional — but if enabled, may help lessen the worry if you run into any unexpected expenses.

4. Branch

Like Even, Branch is more than a pay advance app. However, its main features focus more on making scheduling and other aspects of work easier, rather than organizing your financial life. You can use it no matter where you work, though you may be put on a waitlist if your company doesn’t already have an account with Branch. And you can’t borrow as much as you can with Even, with Branch limiting you to $500 per pay period.

But unlike many pay advance apps, Branch doesn’t cost a dime. There’s no interest, membership fees or obligation to tip. And even if you can’t borrow right away, you’ll still be able to use its other features while you wait.

5. MoneyLion

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 unlike Even, you won’t have to work for a specific employer to qualify.

Advances are deposited directly into your MoneyLion checking account as soon as you request them. But the maximum advance amount is much more limited than Even — and if you live in Indiana, Iowa, Montana, Nebraska, Nevada or Vermont, you won’t be eligible.

Compare pay advance apps

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Name	Product	Max. amount per pay period	Turnaround time	Costs
Earnin		$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.	Go to site More Info		loading Fetching your data...
Dave		$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.	More Info		loading Fetching your data...
MoneyLion		$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.	More Info		loading Fetching your data...
Even		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.	More Info		loading Fetching your data...
Brigit		$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.	More Info		loading Fetching your data...
Branch		$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.	More Info		loading Fetching your data...

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Frequently asked questions

• 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.

Kellye Guinan

Kellye Guinan is a writer and editor with Finder and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.