Apps like SoLo Funds

Brigit is a financial wellness app that offers free advances on your next paycheck within 20 minutes of the request — if you're already a member and have a linked debit card. Sign up to have advances sent to your account if you're in danger of overdrafting.

The Brigit app is free to use, which includes budgeting and monitoring features. But you must have the Plus plan at $9.99 a month to access cash advances. You're only permitted to borrow up to $250 in each pay period, and Brigit doesn't accept joint checking accounts. And unlike SoLo Funds, it doesn't report cash advance repayments to the credit bureaus — though it offers a separate credit builder product that does.

• Available in all states

Dave is a great alternative to SoLo Funds and is cheaper compared to other apps, with its basic monthly membership only costing $1. Like SoLo Funds, Dave has an optional tip feature instead of charging interest fees on advances.

Its ExtraCash feature offers cash advances up to $500 with no interest or credit check — and no late fees. While SoLo Funds also doesn't require a monthly fee, it does have high late fees.

Dave's funding has two delivery speeds: the free standard and express. Standard delivery sends money within three business days whereas express delivery is within eight hours for a fee from $1.99 to $11.99 — depending on where the money is going and the amount you request.

• Available in all states

Possible Finance offers short-term installment loans with amounts up to $500 with two-month terms, which you repay in four equal installments. SoLo Funds has a shorter maximum term of only 35 days, despite the slightly higher advance amount.

Possible Finance's rates vary by state, but it's much more expensive than SoLo Funds — expect to pay around $15 to $20 per $100 borrowed. If you want to repay the loan early, there are no prepayment penalties, but Possible Finance doesn't accept partial payments. Like SoLo Funds, Possible Finance reports repayments to credit bureaus, so you may see an increase in your credit score if you repay on time.

• Available in: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Louisiana, Michigan, Missouri, Ohio, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington

MoneyLion offers 0% APR cash advances up to $500 — in addition to a wide range of other features, including an investment account. How much you can borrow with the cash advance depends on your account activity and income. MoneyLion's additional products work synergistically with the cash advance: If you use other MoneyLion products, you could increase your advance amount as high as $1,000.

However, you likely won't qualify for the maximum amount the first time you borrow. MoneyLion states that it can take about three to eight weeks to become eligible for the maximum advance. And your borrowing limit is 30% of your recurring direct deposit schedule.

When you first start out with SoLo Funds, you're eligible for a cash advance up to $100 right away.

• 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

EarnIn might be a great payday loan alternative option if you're an hourly worker. It offers cash advances up to $750 each pay period, or $100 a day. The exact amount you can borrow depends on your income and hours worked, but it's a decent option if you frequently need advances. Like other cash apps, EarnIn charges no interest on its advances. There are also no membership fees — and like SoLo Funds, tips are optional.

Standard transfer times are one business day. If you qualify for EarnIn's Lightning Speed program, which requires a linked debit card that receives at least 50% of your paycheck, you could get transfers within minutes — for a fee of $0.99 to $3.99. But if you're looking to build credit, EarnIn doesn't report payments to the credit bureaus.

• Available in all states