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7 cash advance apps like Branch

These similar apps can get you money — without depending on your employer.

Branch offers one of the higher maximums of cash advance apps without a membership fee. And select borrowers can get their advance on the same day it’s requested, along with extras that allow you to check your work schedule, switch shifts and chat with coworkers.

But there’s a major catch: You won’t be able to access as many features if your employer isn’t already set up with Branch.


  • Cash advances of up to $150 a day — up to $500 each pay period
  • Same-day turnaround
  • No interest, membership fees or tipping required
  • Features to help manage your finances and work schedule


  • Access only the money you’ve already earned
  • Must have two months of direct deposits from an employer
  • App features depend on your employer

Our 7 top alternatives to Branch

Worried Branch isn’t right for you? Take a look at other apps that might better fit your needs.


Dave is another app that charges a membership fee — though it's only $1 a month. But unlike Branch, you aren't able to check your work schedule, switch shifts or communicate with coworkers. You're also limited to advances of just $500, and it can take up to three days to appear in your bank account. If you opt for a faster turnaround, it will cost you another $4.99.
  • Available in all states
  • Interest-free cash advances
  • Tracks your spending to prevent overdrafts
  • No obligation to tip
  • Portion of tips go to a good cause
  • Cash advances limited to $500 or less
  • $1 monthly membership fee required
  • Turnaround can take up to three days
  • You may be banned for missing a payment
Loan amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame business day to 3 business days

Possible Finance Mobile Installment Loans

Possible Finance is a short-term lender, not a cash advance app. But unlike normal installment loans, you'll be able to borrow through an app — putting it in a similar category as Branch. You'll be able to build your credit as you borrow, and there isn't a membership fee. It's still expensive, however. Possible Finance charges a fee of $15 to $20 per $100 borrowed. And service is limited: Possible Finance only offers installment loans in eighteen states.
  • Only available in: California, Florida, Louisiana, Texas, Washington
  • Borrow up to $500
  • Same-day turnaround available
  • No membership required
  • High fees
  • Only available in eighteen states
  • Must make $750 per month
Loan amountUp to $500
Interest rate typeFixed
Loan TermUp to 2 months
Turnaround timeAs fast as 1 business day

Vola Finance

Vola Finance is relatively new. Like many cash advance apps, it requires you to be a member — and a subscription starts at $4.99 a month. But the amount you can have advanced won't be based on the hours you've worked or your employer. Instead, Vola Finance offers its interest-free advances based on your average account balance and overall financial health. And just like Branch, you'll have access to multiple financial tools to keep your budget in shape.
  • Available in all states
  • No regular work hours required
  • Tools to manage finances
  • Not dependent on employment
  • Limited to $300
  • 10-day cool off period
  • Average balance of $150+ required
Loan amountUp to $300
Interest rate typeFixed
Loan TermVaries
Turnaround timeAs soon as same business day


The main benefit of Earnin is that there's no wait list or employer restrictions. Otherwise, it's similar to Branch: You can borrow the same amount each pay period — though just $100 a day — without interest or fees. You also have the option to tip, which unlocks access to features like Balance Shield to prevent overdrafts. Like Branch, you'll need to upload a work schedule. And the amount you can borrow is limited to the hours you've already worked. But you may qualify for same-day funding.
  • Available in all states
  • Cash advance of up to $100 a day, up to $500 each pay period
  • No interest, membership fees or obligation to tip
  • Same-day turnaround available
  • Balance Shield helps you avoid overdraft fees.
  • Must upload a work schedule
  • Advance limited to hours you've worked
Loan amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround time2 to 3 days, or instant with Lightning Speed


Even is a financial planning tool available to everyone — but cash advances are limited to employees of specific companies. Unlike Branch, it automatically sets aside money in a savings account and tells you how much is available to spend. But many of its features are exclusive to those who pay the $8 membership fee and work for a specific employer. If you haven't worked enough — or don't work for the right company — then this exclusive app may not be helpful when you need an advance.
  • Available in all states
  • Advances up to 50% of the money you've already earned
  • Instant cash pickup at Walmart
  • No interest or obligation to tip
  • Offers financial-planning tools
  • Automatically sets money aside for savings
  • Must have an Even Plus membership that's $8h
  • Available to employees of select companies only
  • Advance limited to hours you've already worked
Loan amount50% of paycheck
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame day


Unlike Branch, you'll need to become a member to access a cash advance from Brigit. And the membership fee is a hefty $9.99 a month. You'll find valuable features, though. Brigit tracks your spending and bills to make sure you avoid overdrafts, and it can automatically send you up to $250 if you're at risk of triggering an overdraft fee. But Brigit requires you to meet eligibility criteria to qualify.
  • Available in all states
  • Interest-free cash advance
  • Tracks spending habits to prevent overdraft fees
  • No tipping required
  • Extend your due date if needed
  • Advance limited to $250 each pay period
  • High $9.99 monthly membership fee
  • Turnaround can take up to two days
  • Must meet strict eligibility requirements
Loan amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround time1 to 3 days or same-day in some circumstances

MoneyLion Instacash advances

MoneyLion brings more features to the table. It may not extend the scheduling flexibility of Branch, but it does offer a checking account, cashback rewards and free credit monitoring — all included with free membership. Access an Instacash advance to borrow up to $250 a pay period. That amount is less than Branch, but the banking services MoneyLion provides may appeal to borrowers looking for more than a pay advance.
  • Available in: Alabama, Arizona, California, Delaware, Florida, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Mississippi, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming
  • Interest-free cash advances
  • Automatic deposit into bank account
  • No membership fees or obligation to tip
  • Access to other banking services, like free credit monitoring
  • Must have a MoneyLion checking account
  • Advance limited to $250 or 10% of your direct deposit
Loan amount$25 - $250
Interest rate typeFixed
Loan TermVaries
Turnaround time3 to 5 business days to external checking account, 12 to 48 hours to RoarMoney account

Compare cash advance apps

Here’s how Branch compares to more similar providers. For more information on how it works, visit our guide to cash advance apps.

1 - 0 of 0
Name Product Filter Values Max. amount per pay period Turnaround time Costs
1 to 3 days or same-day in some circumstances
$9.99 monthly membership fee
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
Possible Finance Mobile Installment Loans
As fast as 1 business day
Rates vary by state, though you’ll likely be charged around $15 or $20 per $100 borrowed.
Borrow up to $500 with just a few swipes — but only for residents of 21 states.
MoneyLion Instacash advances
$250, $300 with RoarMoney account
3 to 5 business days to external checking account, 12 to 48 hours to RoarMoney account
$29 monthly fee if you have a Plus membership
Fee-free, interest-free cash advances up to $250.

Compare up to 4 providers

Frequently asked questions

Read answers to common questions about cash advance apps.

Do I have to download an app to get an advance?
It depends on the provider. Branch allows its users to request an advance on its desktop site, while others have different requirements. Read our reviews of individual apps you’re interested in for details.

Is employment required to use these apps?
Yes. Because the money you receive is an advance on your paycheck, you must provide proof of employment. What you borrow is typically repaid on your next payday.

Is a cash advance better than a payday loan?
Generally, yes. A cash advance through one of these apps can be much less expensive than a payday loan, which comes with rates and fees upwards of 400% APR. You may not be able to borrow as much with these apps, however.

Learn more about short-term lending in our guide to payday loans.

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