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Apps like Albert

Compare apps for higher advance amounts and better customer reviews.

Albert is a banking app with a cash advance feature called Albert Instant, offering up to $250 with no interest or late fees. Unlike many other cash advance apps, Albert doesn’t require a monthly membership fee to take out cash advances. If you do enroll in the paid membership, you also get access to investing and individual investing advice, but it costs at least $96 per year or $8 per month.

While Albert is a strong competitor, many other cash advance options are available — some with much higher borrowing amounts. And Albert doesn’t have great customer reviews. The majority of customer ratings are negative, with common complaints around the lack of customer support. Some also complained that they were automatically enrolled in the paid membership and had difficulty canceling.

Whether you prioritize customer service or need larger advances, consider these alternatives to Albert’s Instant cash advances.

Our top 5 apps like Albert

  • For instant delivery: Brigit
  • For a full paycheck advance: B9
  • For larger cash advances: Dave
  • For small advances: Cleo
  • For better customer support: Earnin

Alternative for instant delivery: Brigit


Brigit offers one of the fastest delivery speeds we've seen, offering advances within 20 minutes of the request if you're enrolled in the membership, have a linked card and pay an extra fee. Advances are up to $250 per pay period, the same amount as Albert. There are also no late fees and the option to extend your due date up to three times. However, Brigit may only be worth it if you need advances often, since you'll need to enroll in the paid membership, costing $9.99 monthly.

Brigit also offers additional features, like its credit builder product, along with budgeting and monitoring tools. You can also sign up for auto advances for overdraft protection. Additionally, Brigit has earned recognition from the BBB for having a 100% response rate, but like Albert, also has a B rating with the BBB over the high volume of complaints filed against the business. It also receives poor reviews on Trustpilot.

  • Available in all states
  • Delivery as soon as 20 minutes
  • Same advance amount as Albert
  • No interest or late fees
  • Option to extend due date
  • $9.99 monthly membership
  • Mixed customer reviews
Loan amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround time1 to 3 days or same-day in some circumstances

Alternative for a full paycheck advance: B9

B9 pay advance app

Where Albert and many other apps cap out at $250, B9 offers cash advances of up to 100% of your earnings. There are no additional fees with B9's advances, but some standard eligibility requirements include having a positive account balance and direct deposit set up. After you set up an account, B9 receives your payroll deposit and you're deemed eligible, it alerts you right in the app if you have an available advance. It also accepts an ITIN instead of SSN and offers customer support in English and Spanish.

While B9's advances don't have fees, it still isn't free — you'll have to enroll in a $9.99 or $19.99 monthly membership, one of the highest membership fees compared to other apps. For people that don't need cash advances that often, the monthly membership fee may simply not be worth the cost. And there aren't many reviews for B9, so there's little insight into its customer experience.

  • Available in all states
  • Advance up to 100% of your paycheck
  • Instant delivery available
  • No SSN required
  • English and Spanish customer support
  • $9.99 or $19.99 monthly membership fee
  • Not many customer reviews
Loan amountUp to $500
Interest rate typeFixed
Loan TermNot Stated
Turnaround timeInstant

Alternative for larger cash advances: Dave

Dave ExtraCash

Dave offers cash advances with the ExtraCash advance product, up to $500 with no interest charges or late fees — double the amount you can borrow with Albert. To get access to the cash advances, Dave does require a $1 monthly membership, but it's still much more affordable than many other cash advance apps. And like other cash advance apps, tipping is optional.

Dave offers two delivery speeds, and the instant speed costs anywhere from $1.99 to $11.99, depending on the size of your advance. The standard delivery comes with no extra fee but a turnaround time of two to three days. Dave also offers extra perks, such as a gig connection service and budgeting features.

  • Available in all states
  • Higher borrowing amount than Albert
  • No interest or late fees
  • Banking and budgeting features
  • Requires paid membership
  • Instant delivery fee varies
Loan amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame business day to 3 business days

Alternative for small advances: Cleo


Cleo states that it wants borrowers to escape expensive payday lenders with its small cash advances alongside its budgeting features where you “get roasted for wasting money.” It offers small, no-interest spot advances between $20 to $100. As a new user, you may only qualify for advances between $20 and $70, but with regular repayments, you may unlock the max $100 advance. But unlike Albert, Cleo does have a $5.99 monthly membership fee.

Cleo offers instant delivery for a $4 express fee, and standard delivery may take three to four business days. It also doesn't require W2s, direct deposit or proof of employment to qualify, so gig workers may be able to access the cash advances. However, Cleo holds a poor D- rating with the BBB over its failure to respond to customer complaints — though it scores a 4.4-star rating on Trustpilot.

  • Available in all states
  • Spot advances as small as $20
  • Budgeting and spending tools
  • More lax requirements than Albert
  • $5.99 monthly membership fee
  • Mixed ratings and reviews
  • Newer business
Loan amount$20 - $100
Interest rate typeFixed
Loan TermVaries

Alternative for better customer support: Earnin


Formally known as Achieve Hours, Earnin is a cash advance app that's best suited for hourly workers. Earnin has a much better BBB rating and plenty more positive customer reviews than Albert. Earnin has in-app 24/7 live chat support, and positive reviews praise its fast and knowledgeable representatives. Poor customer support is a common complaint from Albert users.

Like Albert, Earnin has no membership fees and tipping is optional. It also has a much higher cash allowance of up to $750 per pay period, depending on hours worked and wages. If you sign up for Earnin's Lighting Speed service, you may be eligible for cash advances up to 80% of your paycheck or $1,000 per pay period. However, you'll have to upload and verify your hours worked by submitting timesheets or location tracking, which may feel intrusive to some.

  • Available in all states
  • 24/7 live chat customer support
  • No membership fees
  • More positive reviews than Albert
  • Higher cash advances than Albert
  • Must verify hours worked
  • Requires regular payday schedule
Loan amountUp to $750
Interest rate typeFixed
Loan TermVaries
Turnaround time2 to 3 days, or instant with Lightning Speed

How does Albert compare?

Albert is a solid financial app that doesn’t require a paid monthly membership to access cash advances, unlike Dave, Cleo or B9. You can get an advance up to $250, and instant delivery is available for $6 with the free plan, or you get instant delivery for free if you’re a paid member.

One of Albert’s biggest downfalls appears to be a lack of customer support. There’s no customer support phone number or a way to talk to someone in real-time, so users say resolving any issues with the app is a pain. Another common complaint is that the app has lots of pop-ups. Albert also automatically enrolls new users in the paid membership Genius, which is $8 monthly.

For more information, read our Albert Instant review.


  • No membership fee for advances
  • Many budgeting and spending tools
  • Investing feature with paid membership
  • Instant delivery available


  • Poor customer reviews
  • No live customer support
  • Pop-up ads with free membership

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