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Apps like Lenme

There are better options out there with more reliable funding.

Pay advance apps are a reliable way to access cash you’ve already earned with limited fees. And while Lenme may seem like a convenient app that offers similar services, its peer-to-peer loans are anything but. Not only can they potentially cost more, but the negative reviews from Lenme’s customers — both investors and borrowers — mean you should likely look elsewhere for quick funding.

7 top apps like Lenme

Lenme doesn’t offer any funding guarantees — even if you otherwise qualify. These pay advance apps aren’t loans, and because the amount you receive is based on time already worked, you’re more likely to qualify when you need a small advance.

  1. For advances on take-home pay: B9
  2. For frequent borrowers: Brigit
  3. For a full banking experience: MoneyLion
  4. For no-fee app: Earnin
  5. For low monthly fee: Dave
  6. For financial planning: Even
  7. For users with no bank account: Branch

For advances on take-home pay: B9

B9 pay advance app

Go to site
on B9's secure site
B9 is the only app that gives you access to your full paycheck. And unlike Lenme, which can take up to five days to process a loan, B9 offers instant advances. Similar pay advance apps typically charge a fee for this service.

But you'll need to deposit at least $500 into a B9 checking account to qualify for an advance.

  • Available in all states
Pros
  • Relatively low monthly membership fee of $4.99
  • No fee for instant advance
  • Nonresidents may qualify
Cons
  • B9 checking account required
  • Limited additional features
Loan amountUp to 100% of your salary
Interest rate typeFixed
Loan TermNot Stated
Turnaround timeInstant

For frequent borrowers: Brigit

Brigit

Go to site
on Brigit's secure site
Brigit frequently makes our top lists despite its relatively high monthly fee of $9.99. This is because, like B9, there is no fee for an instant advance.

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 a strict minimum income requirement of $1,500 per month.

  • Available in all states
Pros
  • Automatic overdraft protection
  • No fee for instant advance
Cons
  • Monthly fee of $9.99
  • Income of $1,500 a month or more required
Loan amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame business day to 2 business days

For a full banking experience: MoneyLion

MoneyLion Instacash advances

MoneyLion is a full banking app, not just a pay advance app. So if you need a loan, its credit builder loan is a great alternative to Lenme. But despite the lack of tips or additional fees — except for the instant advance fee — you'll pay a hefty $29 per month to use MoneyLion's services.
  • Available in all states
Pros
  • No tips or additional fees
  • Other banking features available
  • Flexible repayment options
Cons
  • $29 monthly membership fee
  • Instant advances cost up to $4.99
Loan amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround timeAs soon as same business day

For no fees: Earnin

Earnin

Earnin is the only fee-free and optional tipping app on the market. So if you need a small advance and can't afford to tip, you don't have to. This is 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'll 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 timeImmediately with Lightning Speed — otherwise 1 to 2 business days

For a minimal monthly fee: Dave

Dave

Dave has the lowest monthly membership fee of $1 — combined with the lowest maximum advance of $100. While this makes it less flexible than Lenme and other pay advance apps, Dave is still a solid option if you only need a little extra between paydays. There are no tips or additional fees, and your repayment schedule should be based around when you get paid, although this isn't always the case.
  • Available in all states
Pros
  • $1 monthly membership fee
  • Same-day turnaround available
Cons
  • Maximum advance $100
  • Repayment schedule varies
Loan amountUp to $100
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame business day to 3 business days

For financial planning: Even

Even

Even gives you access to financial planning tools and up to 50% of your paycheck with no set maximum. It also has a midrange 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 pay advance apps on this list, you'll 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 amountUp to 50% of earned wages
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame day to 1 business 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 has a large advance amount and no membership fees, it may not be the best choice if you want a 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

Lenme isn’t the best lender or service out there

Because Lenme doesn’t technically fund your loan, there’s no guarantee that your request will be seen or met. That means you may not get the $50 or $100 you need in time. And even if you do get approved, 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

If these seven apps like Lenme don’t work for you, there are other pay advance apps on the market that might meet your needs.

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  • B9 pay advance app review

    This pay advance app gives you access to your paycheck 15 days in advance. But with a $4.99 monthly fee, it may not be worth it for everyone.

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