Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Apps like Brigit

Don't want to pay a high monthly fee? Consider these other cash advance apps instead.

Brigit lets you access up to $250 per pay period and get advances within minutes for free by linking a qualifying debit card. It also features automatic overdraft protection and identity theft protection.

But with a high membership fee of $9.99 a month, Brigit isn’t the most competitively priced option and its $250 maximum is lower than other apps. If you’d rather skip the monthly fee or need a bigger cash advance amount, choose from these other options.

Our 6 top picks for apps like Brigit

Alternative for overdraft protection: Chime

Chime SpotMe®

One of Brigit's biggest advantages is its overdraft protection, but Chime has that too. It's called Chime SpotMe, and if you already use Chime, it's a great option to check out. It offers small, no-fee advances from $20 to $200 to protect you from overdraft fees. However, your limit starts at $20 and may increase to the max $200 over time with regular deposits and a positive account balance.

SpotMe has no obligation to tip, and there are no fees. The only requirement for SpotMe is that you've deposited at least $200 into your Chime account in the last 34 days. In addition to Chime SpotMe, the Chime app offers early paycheck access, no-monthly fee checking accounts, secured credit cards and saving tools. In addition to Chime's banking features and overdraft protection, it gets pretty decent reviews across the app stores, BBB and Trustpilot.

  • Available in all states
  • Overdraft protection feature
  • No interest or tip requirement
  • Full-service banking app
  • Only one requirement for SpotMe
  • Decent customer reviews
  • Lower cash advance amount than most apps
  • Maximum SpotMe advance starts at $20
Loan amount$20 - $200
Interest rate typeFixed
Loan TermN/A
Turnaround timeSame day

Alternative for no fee cash advances: Albert


Albert's cash advances have no fees, and you don't need a paid membership to access its cash advances, unlike Brigit. In fact, most of Albert's features are accessible with the free membership. It offers cash advances up to $250, and depending on your eligibility, you may be able to get multiple cash advances per pay period if you have a good repayment history.

There are no late fees, inactivity fees, interest charges and tipping is optional. Albert also offers a debit card, early paycheck access, budgeting tools and saving features. To access investing options, you'll need the paid membership Genius, which is $8 per month ($96 annually). And the paid membership is still about $2 less than Brigit's.

But know that when you get Albert, you're automatically enrolled in a Genius 30-day trial membership. If you don't cancel the membership before the trial ends, it charges you the $96 yearly fee.

  • Available in all states
  • No membership fees required for advances
  • May qualify for multiple advance per pay period
  • No interest or late fees
  • Most features available with free membership
  • Poor customer reviews
  • Automatically enrolled in Genius free trial
Loan amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround time2 to 3 days

Alternative for all-in-one banking: Cash App

Cash App

Cash App is chock-full of mobile banking features. A top-ranked banking app in app stores, Cash App offers free peer-to-peer payment services, a Cash App debit card linked to your account, direct deposit, investing, buying and selling crypto and much more. There's also no membership fee, unlike Brigit's monthly fee.

If you need quick cash, Cash App might offer a solution too. One of its latest features is called Borrow, offering qualified borrowers small loans up to $200. It's still in the early stages and not available to all users, but the loans have a four-week repayment period and a 5% monthly fee (equivalent to 60% APR).

However, Cash App's reviews aren't great. It's received thousands of complaints on its BBB profile, and the vast majority of reviews on Trustpilot are negative. Many users mention issues with refunds, encountering scam profiles and poor customer support.

  • Available in all states
  • No membership fees
  • Borrow feature offers small loans
  • Free Visa debit card linked to account balance
  • Invest in stocks and crypto
  • Poor customer reviews
  • Borrow feature not widely available
Loan amount$20 - $200
Interest rate typeFixed
Loan TermVaries
Turnaround time1-3 business days

Alternative for large cash advances: MoneyLion

MoneyLion Instacash advances

MoneyLion doesn't require a monthly membership fee, unlike Brigit, and members of its free membership may be eligible for advances up to $500. Several other paid membership options are available, such as RoarMoney for $1 per month, which may increase your max cash advance to $700 per pay period. Sign up for the Credit Builder Plus program, which costs $19.99 per month, and you can get an advance as high as $1,000. However, qualifying for the highest cash advance amounts can take a few weeks.

On the downside, MoneyLion's multiple membership tiers can be confusing. There may be too many options and too much overlap, making it difficult to choose the right plan.

  • 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
  • Higher cash advances than Brigit
  • Paid membership not required
  • Multiple financial services available
  • Costly $19.99 credit-builder membership
  • Benefits not entirely clear with all membership tiers
  • May take weeks to qualify for max cash advance
Loan amount$50 - $500
Interest rate typeFixed
Loan TermVaries
Turnaround time3 to 5 business days to external checking account, 12 to 48 hours to RoarMoney account

Alternative for low monthly fees: Dave

Dave ExtraCash

Dave is a membership-based app, but unlike Brigit, its membership only costs $1 a month. Dave's cash advances also have a higher maximum through its feature called ExtraCash, up to $500 per pay period.

The Dave app also has Dave Banking, offering an account with no overdraft fees or minimum deposit to open the account — a great alternative to Brigit's overdraft protection. Another feature called Side Hustle can help you find local jobs for extra cash.

However, Dave's delivery speed may be slower than Brigit. Getting your funds may take one to three business days. If you want instant delivery, there's a fee from $1.99 to $13.99, depending on the size of your advance. Brigit delivers cash advances as soon as 20 minutes after the request.

  • Available in all states
  • Low $1 monthly membership
  • Higher advance amount than Brigit
  • No interest or required tipping
  • Side Hustle feature
  • Slower delivery speed than Brigit
  • High max $13.99 instant delivery fee
Loan amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame business day to 3 business days

Alternative for credit-building: Possible Finance

Possible Finance Mobile Installment Loans

Unlike Brigit or the other alternatives on this list, Possible Finance isn't a cash advance app. Instead, it offers short-term installment loans. One of the biggest advantages with Possible Fiance is that it reports its loans to two of the three credit bureaus, so with timely payments, you may increase your credit score — a perk that doesn't normally come with payday loans or cash advance apps.

There's no credit check, and costs and loan amounts do vary by state. Possible's installment loans are only available in 16 states. Plan on around $15 to $20 per $100 borrowed. But watch out — in some cases, you may face a 460% APR, which is comparable to pricy payday loans.

  • Available in: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Louisiana, Michigan, Missouri, Ohio, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington
  • Reports to credit bureaus
  • No credit check
  • No membership fees
  • Borrow loans in the app
  • APRs can get high
  • Costs and loans vary by state
Loan amountUp to $500
Interest rate typeFixed
Loan Term2 to 8 weeks
Turnaround timeAs fast as 1 business day

How does Brigit compare?

Brigit has a host of financial budgeting and spending tools, automatic overdraft protection up to $250 and instant delivery within 20 minutes of a cash advance request — for an additional instant transfer fee.

Unfortunately, the $9.99 monthly membership fee may not be worth it. Many other apps don’t require a monthly membership to get small loans or cash advances with regular turnaround, such as Possible Finance, Albert and MoneyLion.

And some users complain that the advance amounts they qualify for — such as $50 — are too low to justify the monthly subscription fee. It may only be worth it for those who take out frequent cash advances or want Brigit’s credit builder program and $1 million identity theft protection.

Learn more about the app in our detailed Brigit cash advance review.


  • No interest charges
  • Move due date up to three times
  • No late fees or obligation to tip
  • Automatic overdraft protection


  • High monthly membership fee of $9.99
  • Up to two-day turnaround
  • Doesn’t accept joint bank accounts

More guides on Finder

Ask an Expert provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site