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Apps like FloatMe

If this app’s $50 cash advance limit is too low, these alternatives may have what you’re looking for.

FloatMe is a cash advance app that will “float” you up to $50 between pay days. It also has overdraft protection alerts to help you avoid overdrawing on linked accounts. But its low $50 limit — paired with its $1.99 monthly fee and $4 instant delivery fee — means you could end up paying a lot of money for very little funding.

Our 5 top picks for apps like FloatMe

These five apps like FloatMe are worth exploring if you need more than a $50 advance:

For full paycheck advances: B9

B9 pay advance app

B9 is the only app like FloatMe that gives you up to a 100% advance on your paycheck. And the best part is, instant advances are free! But this convenience comes at a cost.

You’ll pay $9.99 a month for B9, compared to FloatMe’s $1.99 monthly fee. So it may only make sense if you need regular access to larger amounts of cash.

  • Available in all states
Pros
  • Get an advance on up to 100% of your paycheck
  • No fees for instant delivery
  • Open to nonresidents with an Individual Taxpayer Identification Number
Cons
  • Must have $500 in monthly direct deposits to qualify
  • $9.99 monthly fee can eat into small advances
Loan amountUp to 100% of your paycheck
Interest rate typeFixed
Loan TermNot Stated
Turnaround timeInstant

For automatic overdraft protection: Chime SpotMe

Chime SpotMe overdraft

If you like FloatMe’s overdraft alerts, then Chime SpotMe could be right for you. This cash advance app will “spot” you up to $200 when you overdraft on your Chime Spending Account — cash withdrawals included. Plus, unlike FloatMe, there are no monthly fees: only the option to leave a tip.
  • Available in all states
Pros
  • $200 limit is much higher than FloatMe
  • No monthly fees or required tips
  • Instant overdraft protection
Cons
  • Must use a Chime Spending Account
  • Limit may be $20 for new users
Loan amount$20 - $200
Interest rate typeFixed
Loan TermVaries
Turnaround timeInstant

For repayment extensions: Brigit

Brigit

Brigit is perfect for anyone who needs flexible repayment options — the app lets you extend your due date up to three times. Its advance limit is also much higher than FloatMe’s, giving you the option to get up to $250 in as little as 20 minutes. But unlike FloatMe, Brigit’s $9.99 monthly fee takes a much bigger bite out of your budget.
  • Available in all states
Pros
  • Get an advance up to $250
  • Comes with automatic overdraft protection and alerts
  • No instant fee for advances
Cons
  • Costs $9.99 a month
  • Instant advances aren’t available to everyone
Loan amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround time1 to 3 days or same-day in some circumstances

Earnin

Earnin is another good alternative to FloatMe. It’s best for those who have hourly income from a steady employer because you have to submit your timesheet or let the app track your location (so it knows you’re at work) to qualify. That said, you can get advances of up to $500 per month, which is much higher than other apps like FloatMe. Plus, there are no monthly fees or tipping requirements.
  • Available in all states
Pros
  • Get advances of up to $500 per month
  • No monthly fees or obligation to tip
  • Instant delivery is available
Cons
  • Must submit timesheet to get advance
  • Must have regular income from the same employer
  • Can only borrow $100 per day
Loan amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround time2 to 3 days, or instant with Lightning Speed

For a total banking experience: MoneyLion

MoneyLion Instacash advances

If you’re looking for an app like FloatMe that offers more than just cash advances and overdraft protection, MoneyLion could be a good option. The company has a full suite of financial services, including credit builder loans and checking accounts. You can also get a larger advance of up to $250, with looser income requirements than FloatMe.
  • 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
Pros
  • Advances max out at $250
  • Get funded in minutes with rush fee
  • Other financial services available
Cons
  • MoneyLion membership required
  • May only qualify for a $25 advance at first
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

How does FloatMe compare?

FloatMe is perfect for those times when you want to avoid overdraft fees. It only costs $1.99 a month. And you can qualify for an advance when you have at least three direct deposits of $200 or more.

That said, its $50 max isn’t enough to cover most basic emergencies. And in some cases, new users may only qualify for a $10 advance at first. Throw in the $4 fee for instant delivery, and it quickly adds up.

Pros

  • $1.99 monthly fee is lower than most
  • Comes with overdraft alerts
  • Has lower income requirements than other cash advance apps

Cons

  • Instant delivery costs $4
  • Max advance is only $50
  • Can’t extend due date

Read our review of FloatMe

More alternatives to payday and installment loans

Payday and installment loans are two alternatives to cash advance apps like FloatMe. However, we didn’t include them on our list because they’re predatory and come with high interest rates.

For instance, the average payday loan can have an APR as high as 650%. And the typical borrower ends up staying in debt for at least 11 months and paying $520 in fees on a typical $375 loan.

Long story short, even if these five apps like FloatMe aren’t what you’re looking for, you don’t have to settle for a predatory loan. Consider these payday loan alternatives instead:

  • Credit card cash advance. If you haven’t maxed out your credit card limit, see if you can get a cash advance. You may pay a 3% to 5% transaction fee, but you could avoid interest charges if you pay your balance off in full before your bill is due.
  • Take out a payday alternative loan (PAL). Federal credit union members may qualify for a PAL of up to $1,000. They’re an alternative to payday loans, with APRs usually topping out around 28%.
  • Find quick ways to make extra cash. If you’re really in a pinch, see if you can sell something around your house or make some quick cash on a gig app like Uber or DoorDash.

Read about more alternatives to high-cost short-term loans to find the right option for you.

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