Brigit lets you access up to $250 per pay period and get advances within minutes for free with a Premium subscription or for a fee. It also features automatic overdraft protection, identity theft protection and the ability to extend your repayment date up to three times.
But with a high membership fee of $8.99 to $14.99 a month, Brigit isn’t the most competitively priced option, and its $250 maximum is lower than some apps. If you’d rather skip the monthly fee or need a larger amount, choose from these other options.
Key takeaways
Brigit’s benefit. You can get up to $250 per pay period.
The catches. The monthly membership runs about $8.99 to $14.99 and the $250 max is lower than many competitors.
What rivals do differently. Many alternatives offer higher advance limits than $250 and fees are either lower or optional.
If you're a freelancer or gig worker with multiple side hustles, Cleo is made for you. Unlike Brigit, Cleo doesn't require you to have income from the same employer and it doesn't have a minimum income requirement. As long as you have consistent income, you could qualify for cash advances.
Cleo cash advance amounts start around $20 to $70, but that amount can increase to $250 over time. Cleo also packs in features to help you budget and track your spending and bills better. Cash advances are available on the Cleo app through its paid plan, which costs $5.99 a month. If you need a same-day transfer, it's an additional $3.99 to $8.99, depending on the advance amount.
Loan Amount
$20 - $250
Turnaround time
3 to 4 days or instant for a fee.
Costs
$5.99 monthly membership fee to access cash advances
Available in all states
If you're a freelancer or gig worker with multiple side hustles, Cleo is made for you. Unlike Brigit, Cleo doesn't require you to have income from the same employer and it doesn't have a minimum income requirement. As long as you have consistent income, you could qualify for cash advances.
Cleo cash advance amounts start around $20 to $70, but that amount can increase to $250 over time. Cleo also packs in features to help you budget and track your spending and bills better. Cash advances are available on the Cleo app through its paid plan, which costs $5.99 a month. If you need a same-day transfer, it's an additional $3.99 to $8.99, depending on the advance amount.
Pros
No minimum income requirements
No credit checks or interest charges
Free AI financial planner, bill tracker and low-balance alerts
Cons
Monthly fee to access cash advances
Borrowing amounts are limited initially
Mixed customer reviews
Loan amount
Up to $250
Loan Term
Next deposit
Turnaround time
3 to 4 days or instant for a fee.
Loan Amount
$20 - $250
Turnaround time
3 to 4 days or instant for a fee.
Costs
$5.99 monthly membership fee to access cash advances
EarnIn is a cash advance app that lets you borrow up to $1,000 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps, including Brigit. And, unlike payday loans, there are no interest or financing fees to use Cash Outs.
To qualify for EarnIn Cash Outs, you must be employed, have regular direct deposits and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account or more than $150 per day to an EarnIn card. Regular transfers are available in one to three business days or minutes for a fee.
Loan Amount
Up to $1,000
Turnaround time
1 to 2 business days or within 30 minutes for a fee
Costs
Free to use or within minutes with a fee as low as $3.99 per transfer
Not available in: Connecticut
EarnIn is a cash advance app that lets you borrow up to $1,000 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps, including Brigit. And, unlike payday loans, there are no interest or financing fees to use Cash Outs.
To qualify for EarnIn Cash Outs, you must be employed, have regular direct deposits and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account or more than $150 per day to an EarnIn card. Regular transfers are available in one to three business days or minutes for a fee.
Pros
No credit check required
No interest or mandatory tipping
Free credit score tracking included
Cash Out more than $150 per day with an EarnIn card
Cons
Verification of employment earnings required
Same-day (Lightning) transfers attract a fee
Can only qualify with employment income
Not ideal for gig workers
Loan amount
Up to $150/day, with a max of $1000 between paydays
Loan Term
1 to 4 weeks
Turnaround time
1 to 2 business days or within 30 minutes for a fee
EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.
Loan Amount
Up to $1,000
Turnaround time
1 to 2 business days or within 30 minutes for a fee
Costs
Free to use or within minutes with a fee as low as $3.99 per transfer
Albert offers both cash advances and overdraft protection up to $1,000, , and overdraft protection doesn't require a fee for fast transfers like Brigit. There are no late fees, inactivity fees or interest charges, and you may qualify for multiple advances per pay period, which is rare for these apps.
But you need a Genius subscription to qualify for advances, which costs Optional $14.99 monthly subscription to access budgeting and basic savings a month — a bit more than Brigit. Albert also offers a debit card, early paycheck access, investing and budgeting tools and saving features.
Loan Amount
$25 - $1,000
Turnaround time
Instant
Costs
Optional $14.99 monthly subscription to access budgeting and basic savings
Available in all states
Albert offers both cash advances and overdraft protection up to $1,000, , and overdraft protection doesn't require a fee for fast transfers like Brigit. There are no late fees, inactivity fees or interest charges, and you may qualify for multiple advances per pay period, which is rare for these apps.
But you need a Genius subscription to qualify for advances, which costs Optional $14.99 monthly subscription to access budgeting and basic savings a month — a bit more than Brigit. Albert also offers a debit card, early paycheck access, investing and budgeting tools and saving features.
Pros
No credit check required
Gives you 10 days to repay the overdraft
Saves you from overdraft fees
Cons
No customer service phone number
Mixed customer reviews
Loan amount
Up to $1,000
Loan Term
Within 6 days of overdraft, with possible 7-day extension
Turnaround time
Instant
Loan Amount
$25 - $1,000
Turnaround time
Instant
Costs
Optional $14.99 monthly subscription to access budgeting and basic savings
Dave offers larger loan amounts than Brigit, with cash advances up to $500 per pay period. The Dave app also offers a checking account and digital debit card with no overdraft fees or minimum deposit to open — a great alternative to Brigit's overdraft protection. Another feature, Side Hustle, can help you find local jobs for extra cash.
However, Dave's delivery speed could be slower than Brigit's. Getting your funds may take up to three business days. Plus, instant delivery fees can go as high as $25, which is more than Brigit charges.
Loan Amount
Up to $500
Turnaround time
Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee
Costs
Undisclosed
Available in all states
Dave offers larger loan amounts than Brigit, with cash advances up to $500 per pay period. The Dave app also offers a checking account and digital debit card with no overdraft fees or minimum deposit to open — a great alternative to Brigit's overdraft protection. Another feature, Side Hustle, can help you find local jobs for extra cash.
However, Dave's delivery speed could be slower than Brigit's. Getting your funds may take up to three business days. Plus, instant delivery fees can go as high as $25, which is more than Brigit charges.
Pros
Higher advance amounts than Brigit
No interest or late fees
Side Hustle feature
Cons
Charges a monthly subscription fee
High max $25 instant delivery fee
Need $1,000 in monthly deposits to qualify for highest advances
Loan amount
Up to $500
Loan Term
Varies
Turnaround time
Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee
Loan Amount
Up to $500
Turnaround time
Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee
Cash App is chock-full of mobile banking features. A top-ranked banking app in app stores, Cash App offers free peer-to-peer payment services, a Cash App debit card linked to your account, direct deposit, investing, buying and selling crypto and much more. There's also no membership fee, unlike Brigit's monthly fee.
If you need quick cash, Cash App might offer a solution, too. One of its newer features is called Borrow, offering qualified borrowers loans up to $200 — much higher than Brigit's $250. It's not available to all users, but the loans typically have a four-week repayment period and a flat 5% fee per loan. If you miss your final due date, you'll be charged a weekly 1.25% late fee.
However, Cash App's reviews aren't great. It's received thousands of complaints on its Better Business Bureau (BBB) profile, and the vast majority of reviews on Trustpilot are negative. Many users mention issues with refunds, encountering scam profiles and poor customer support.
Loan Amount
$20 - $200
Turnaround time
Same day
Costs
5% flat fee
Available in all states
Cash App is chock-full of mobile banking features. A top-ranked banking app in app stores, Cash App offers free peer-to-peer payment services, a Cash App debit card linked to your account, direct deposit, investing, buying and selling crypto and much more. There's also no membership fee, unlike Brigit's monthly fee.
If you need quick cash, Cash App might offer a solution, too. One of its newer features is called Borrow, offering qualified borrowers loans up to $200 — much higher than Brigit's $250. It's not available to all users, but the loans typically have a four-week repayment period and a flat 5% fee per loan. If you miss your final due date, you'll be charged a weekly 1.25% late fee.
However, Cash App's reviews aren't great. It's received thousands of complaints on its Better Business Bureau (BBB) profile, and the vast majority of reviews on Trustpilot are negative. Many users mention issues with refunds, encountering scam profiles and poor customer support.
Unlike Brigit or the other alternatives on this list, Possible Finance isn't a cash advance app. Instead, it offers short-term installment loans. One of the biggest advantages of Possible Finance is that it reports its loans to two of the three credit bureaus, so you might increase your credit score with timely payments — a perk that doesn't normally come with payday loans or cash advance apps.
There's no credit check, but costs and loan amounts do vary by state. Possible's installment loans are only available in 16 states. Plan on around $15 to $20 per $100 borrowed. But watch out — in some cases, you may face a 460% APR, which is comparable to pricey payday loans.
Loan Amount
$50 - $500
APR
150% to 460%
Turnaround time
As fast as 1 business day
Not available in: Alaska, Colorado, Connecticut, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Jersey, New Mexico, New York, North Dakota, Pennsylvania, South Dakota, West Virginia
Unlike Brigit or the other alternatives on this list, Possible Finance isn't a cash advance app. Instead, it offers short-term installment loans. One of the biggest advantages of Possible Finance is that it reports its loans to two of the three credit bureaus, so you might increase your credit score with timely payments — a perk that doesn't normally come with payday loans or cash advance apps.
There's no credit check, but costs and loan amounts do vary by state. Possible's installment loans are only available in 16 states. Plan on around $15 to $20 per $100 borrowed. But watch out — in some cases, you may face a 460% APR, which is comparable to pricey payday loans.
Brigit has a host of financial budgeting and spending tools, automatic overdraft protection up to $250 and instant delivery within 20 minutes of a cash advance request — for an additional instant transfer fee.
Unfortunately, the $8.99 to $14.99 monthly membership fee may not be worth it. Some apps don’t require a monthly membership to get small loans or cash advances with regular turnaround, including Possible Finance, EarnIn and MoneyLion.
Some users complain that the advance amounts they qualify for — such as $50 — are too low to justify the monthly subscription fee. It may only be worth it for those who take out frequent cash advances or want Brigit’s credit-builder program and $1 million in identity theft protection.
Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto.
Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt.
Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others.
Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine.
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Lacey Stark is a freelance personal finance writer for Finder, specializing
in banking, loans, investing, estate planning, and more. She has 20
years of experience writing and editing for magazines, newspapers, and
online publications. A word nerd from childhood, Lacey officially got her
start reporting on live sporting events and moved on to cover topics
such as construction, technology, and travel before finding her niche in
personal finance. Originally from New England, she received her
bachelor’s degree from the University of Denver and completed a
postgraduate journalism program at Metropolitan State University also
in Denver. She currently lives in Chicagoland with her dog Chunk and
likes to read and play golf.
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Cleo is a budgeting app offering cash advances up to $250.
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