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Apps like Possible Finance

These pay advance apps have lower fees and great features.

Possible Finance is a handy alternative to payday loans — but it can still cost up to $20 per $100 borrowed. Plus it's only available in 18 states.

These five apps are a lot like Possible Finance. But you'll find most are less expensive or offer additional features in addition to having wider availability.

5 top alternatives to Possible Finance

Possible Finance is convenient but expensive — and it's not technically a pay advance app. These alternatives offer advances on the money you've already earned for a membership fee, not interest, which makes them good choices if you're not looking to borrow an installment loan.

  1. For full paycheck advances: B9
  2. For frequent borrowers: Brigit
  3. For a complete banking experience: MoneyLion
  4. For low monthly fees: Dave
  5. For a no-fee app: Earnin

For full paycheck advances: B9

B9 pay advance app

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on B9's secure site

B9 has a midrange monthly membership fee of $4.99 — and it's the only app that lets you access 100% of your paycheck. With a B9 checking account, you can get an advance 15 days before your pay date. So while you'll need to set up a bank account with B9 and have at least $500 in monthly deposits to qualify, it's one of the most flexible alternatives to Possible Finance. And it's significantly less expensive, too.

  • Available in all states
  • Instant advances available
  • Access 100% of your paycheck
  • Nonresidents may qualify
  • B9 checking account required
  • $4.99 monthly fee
Loan amountUp to 100% of your salary
Interest rate typeFixed
Loan TermNot Stated
Turnaround timeInstant

For frequent borrowers: Brigit


Go to site

on Brigit's secure site

Brigit is one of the more expensive ways to get an advance on your paycheck. Even without other fees and interest, the monthly membership fee alone will cost you about $120 each year. But even with that in mind, it's still a solid alternative to Possible Finance. And Brigit comes with built-in overdraft protection and flexible repayment options, including the ability to extend your due date up to three times.

  • Available in all states
  • Flexible repayment options
  • Automatic overdraft protection available
  • No advance fees, tips or interest
  • $9.99 monthly membership fee
  • Limited customer support options
Loan amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame business day to 2 business days

For a complete banking experience: MoneyLion

MoneyLion Instacash advances

MoneyLion is certainly the most expensive alternative to Possible Finance on our list with a monthly fee of $29. But in addition to a $250 advance on your pay, you'll have access to small personal loans to build your credit and a suite of banking features. You can repay your advance manually or have MoneyLion do it automatically through your account. And there are no other fees besides the monthly membership fee — unless you want an instant advance, which will cost you a little extra.

  • Available in all states
  • Flexible repayment options
  • No tips or additional fees
  • Other banking features available
  • $29 monthly membership fee
  • Advances limited to $50 at a time
Loan amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround timeAs soon as same business day

For low monthly fees: Dave


Dave is a relatively low-cost option that helps if you just need a small $100 advance before your next payday. There is a $1 monthly fee — low compared to the fee you'll pay to Possible Finance each time you borrow — and a tipping system. However, there is no way to change your due date or the day your membership fee is taken out each month. A rigid system like this is best if you receive consistent paychecks.

  • Available in all states
  • Low monthly membership fee of $1
  • Same-day funding available
  • No advance fees or interest
  • Turnaround up to three days
  • Repayment time varies by advance amount
Loan amountUp to $100
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame business day to 3 business days

For no fees: Earnin


Earnin is a fee-free app — with optional tips of $0 to $14. So unlike Possible Finance and most pay advance apps that charge a fee for each advance or a membership fee, you won't pay anything to access the money you've already earned. But to take advantage of this, you'll need to upload your timesheet and allow Earnin to track your location so it can confirm when you're at work. Your advance is also limited to a percentage of what you've already earned, so the full $500 may not be available to you based on your take-home pay when you need an advance.

  • Available in all states
  • No membership fees
  • Large advance of up to $500
  • Tips optional
  • Tracks location and time sheet
  • Advance limited to hours already worked
Loan amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround timeImmediately with Lightning Speed — otherwise 1 to 2 business days

Possible Finance is still a good choice, though

Possible Finance may not be winning anyone over with its high fees, but there are still some benefits to using it, including the ability to improve your credit score with on-time payments.


  • Payments reported to all three credit bureaus
  • No credit check
  • History of good customer service


  • Only available in 18 states
  • Fees of $15 to $20 per $100 borrowed — up to $100 for a $500 loan
  • Monthly income of at least $750 required

More guides on Finder

  • Apps like MoneyLion

    MoneyLion is a pay advance app stacked with features — and hefty fees to match. We’ve lined up 6 alternatives to help you go easy on your wallet.

  • Apps like Lenme

    If you’re considering using Lenme for a pay advance but its negative reviews are holding you back, we’ve lined up 7 alternatives that could offer more reliability and transparency.

  • 5 apps like Klover

    Get access to the money you’ve already earned with one of these secure options.

  • Dailypay pay advance app review

    Dailypay can advance you up to 100% of your net pay — but it’s only available to you if your employer signs up. And if any problems arise, customer service is lacking.

  • FlexWage pay advance app review

    This employer-based app is one of the few that offers advances on tips and commissions on top of base pay. But is it worth the cost?

  • Payactiv pay advance app review

    Payactiv offers advances of up to 50% of your earned wages, sometimes for free. But it’s limited if your employer isn’t a partner.

  • Klover pay advance app review

    The Klover app is a good choice for people with steady income. And its optional boosts are an added benefit to using its service.

  • 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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  • Lenme peer-to-peer lender review

    Lenme connects borrowers to investors through its simple app.

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