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Apps like Lenme

There are better options out there with more reliable funding.

Cash advance apps are a way to access the cash you’ve already earned with limited fees. And while Lenme may seem like a convenient app that offers similar services, it’s actually a peer-to-peer (P2P) lending service plagued with bugs and user complaints. It’s also not cheap to use: some customers have complained about outrageous interest rates. The good news is that our top cash advance alternatives to Lenme have a better track record and are much cheaper to use.

7 top apps like Lenme

  • For advances on take-home pay: B9
  • For frequent borrowers: Brigit
  • For a full banking experience: MoneyLion
  • For no-fee app: Earnin
  • For low monthly fee: Dave
  • For financial planning: Even
  • For users with no bank account: Branch

For advances on take-home pay: B9

B9 pay advance app

B9 is one of the few cash advance apps that offers up to 100% of your paycheck as soon as 15 days before your payday. It costs $9.99 a month, but there's no fee or option to tip when you get a cash advance. But you'll have to build your history with B9 before you can receive a full advance — which requires establishing an income history. It's not the cheapest option available, but it may be worth it if you need access to your full paycheck before payday.
  • Available in all states
Pros
  • Access your full paycheck two weeks before payday
  • No fee for instant advance
  • Nonresidents may qualify
Cons
  • Monthly membership fee of $9.99
  • B9 checking account required
  • Limited additional features
Loan amountUp to 100% of your paycheck
Interest rate typeFixed
Loan TermNot Stated
Turnaround timeInstant

For frequent borrowers: Brigit

Brigit

Brigit frequently makes our top lists despite its relatively high monthly fee of $9.99. This is because, like other apps, there's no fee for an instant advance to an eligible linked debit card. Brigit also offers overdraft protection and a few other financial features that make it a worthwhile way to access your paycheck. But unlike Lenme, it has stricter eligibility requirements for getting an advance.
  • Available in all states
Pros
  • Automatic overdraft protection
  • No fee for instant advance
Cons
  • Monthly fee of $9.99
Loan amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround time1 to 3 days or same-day in some circumstances

For a full banking experience: MoneyLion

MoneyLion Instacash advances

MoneyLion is a full banking app, not just a cash advance app. So if you need a loan, its credit builder loan is a potential alternative to Lenme. But its Credit Builder Plus program costs a hefty $19.99 a month, which is more expensive than credit building programs with apps like Dave or Brigit. Customer reviews of the app also tend to run negative, with hundreds of complaints filed on the Better Business Bureau (BBB) website.
  • 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
  • No tips or additional fees
  • Other banking features available
  • Flexible repayment options
Cons
  • Credit Builder Program costs $19.99 a month
  • Starting cash advances may be limited to $25
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

For no fees: Earnin

Earnin

Earnin is a fee-free and optional tipping app that offer cash advances of up to $100 per day to a maximum of $500 per pay period. So if you can't afford to or don't want to tip, Earnin may be a good choice. This also makes the overall cost of using Earnin significantly less than Lenme, which doesn't have any set interest rates but does have an origination fee of 1% of your loan amount. However, you need to work for an eligible employer that uses Earnin to qualify.
  • Available in all states
Pros
  • Large advances up to $500
  • Tipping optional
  • No monthly membership fees
Cons
  • Tracks location and time sheet
  • Must work for eligible employer
Loan amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround time2 to 3 days, or instant with Lightning Speed

For a minimal monthly fee: Dave

Dave

Dave is one of the cheapest options out there, charging a low monthly membership fee of $1 and offers cash advances up to $500 per pay period. It also notifies you when you're about to run out of funds, anticipating regular expenses like rent and utilities. There are no tips or additional fees required to use it, and it has a three-business-day turnaround. Same-day advances within eight hours start at $2.49.
  • Available in all states
Pros
  • $1 monthly membership fee
  • Same-day turnaround available for a fee
  • Can pause membership to save on fees
Cons
  • Instant transfers cost $2.49 to $5.99
  • Repayment schedule varies
Loan amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame business day to 3 business days

For financial planning: Even

Even

Even is a budget app that gives you access to financial planning tools and up to 50% of your paycheck with no set maximum. It has a membership fee of $8, which should still be cheaper than borrowing a loan from Lenme if you need small advances frequently. But like a few other cash advance apps on this list, you need to work for an eligible employer to qualify.
  • Available in all states
Pros
  • Access up to 50% of your paycheck
  • Variety of financial planning tools available
Cons
  • $8 monthly membership fee
  • Must work for eligible employer
Loan amount50% of paycheck
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame day

For no bank account: Branch

Branch

Branch is the best option if you don't have a bank account. Every other app on this list in addition to Lenme requires a checking account, but Branch only needs you to work for an eligible employer. However, its website doesn't have much information on it. So while it offers up to $500 per pay period and no membership fees, it may not be the best choice if you want transparent service.
  • Available in all states
Pros
  • No bank account required
  • Large advances up to $500
  • No membership fee
Cons
  • Limited information on website
  • Must work for eligible employer
Loan amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround timeAs early as same business day

How does Lenme compare?

Because Lenme doesn’t technically fund your loan, there’s no guarantee that you’ll get the funds you need in time. And if you do get funded, it can take up to five days for your loan to process and transfer into your bank account.

Pros

  • Wide range of loan amounts
  • Extensions on payback period available

Cons

  • Overwhelmingly negative reviews on App Store and Google Play
  • Reports of extremely poor customer service
  • Limited information about cost
  • No guarantee of funding

Alternatives to payday and installment loans

We haven’t included payday and installment loans as alternatives to Lenme here — as they’re often predatory and, like Lenme loans, may come with triple-digit interest rates that can hurt borrowers over the long run.

Did you know?

  • A typical $375 payday loan may attract $520 in fees due to repeat borrowing.
  • The average APR on a payday loan can reach a massive 650% in states with no protections against predatory short-term lenders.
  • Most payday loan borrowers stay in debt for nearly a year.

Cash advance apps usually don’t charge interest and are a more affordable option to high interest payday loans. Compare cash advance apps to find one that works for your job situation and budget.

How else can I get cash fast?

Cash advance apps may not help in every situation. Perhaps you don’t have a regular work schedule or need more than $500. If so, you can also look into these alternatives:

  • Alternative short-term lenders. While typically more expensive than a personal loan, providers like LendUp offer short-term loans for less than payday lenders, with a chance to build your credit.
  • CDFI Loans. Some local banks or credit unions are Community Development Financial Institutions (CDFIs) that can offer small-dollar, short-term loans for a lower cost than payday lenders. They often have a longer turnaround, however.
  • Credit card cash advance. If you have a credit card with sufficient credit, you can get a cash advance from an ATM in an emergency. Cash advance rates run high, so have a plan to pay it off sooner than later to avoid paying excessive interest.
  • Installment loans. If you need more than you earned this month, installment loan providers typically offer loans from $1,000 to $10,000 — though they can cost more than a cash advance app.
  • Payday loans. While not cheap to use, payday lenders can get you cash as soon as the same day in an emergency. Make sure to compare providers to get the most affordable loan, although rates can start at 35% APR and up.

Compare our picks for the best payday loans and alternatives to explore more options.

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