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Apps like Credit Genie

If you need an advance before your next payday, compare these other cash advance apps with higher limits.

Credit Genie is a cash advance app that offers loans up to $100 until your next payday with no credit check or interest charges. You just connect the app to your bank account and see if you’re eligible for an advance.

The app says it’s free to use, but it charges a $4.99 monthly bank connection fee (which sounds a lot like a membership fee), and you must get your paychecks via direct deposit. We’ve scoped out some similar apps that may offer better benefits, such as higher loan amounts, no monthly fees or no direct deposit requirement.

LenderLoan amountFeesSpeed
EarnInGet up to $100 per day or $750 per pay period.No membership fee1 to 3 business days, or same-day for a fee
BrigitUp to $250$8.99 to $14.991 to 3 business days or instantly with a fee
DaveUp to $500$1Up to 3 business days, or instant for a fee
Chime SpotMeUp to $200N/ASame day
Albert$25 to $250$14.992 to 3 days standard delivery, instant with delivery fee
VolaUp to $300$1.99As soon as same business day

Our 6 top picks for apps like Credit Genie

  • Best for larger loan amounts: EarnIn
  • Best for overdraft protection: Chime SpotMe
  • Best for repayment extensions: Brigit
  • Best for no direct deposit requirement: Dave
  • Best for budgeting and investing tools: Albert
  • Best for no-fee transfers: Vola

Alternative for larger loan amounts

EarnIn

4.7
★★★★★

Finder score

Go to site Read review

EarnIn is a free cash advance app with loan amounts of up to $750 per pay period, one of the largest advances you can get. By comparison, Credit Genie only advances up to $100. EarnIn doesn't charge interest or mandatory fees, but you are limited to $100 per day, and not all users are eligible for the maximum advance amounts.

  • Not available in: Connecticut

Alternative for repayment extensions

Brigit

4.2
★★★★★

Finder score

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The Brigit app offers advances up to $250, but you have to pay a membership fee between $8.99 and $14.99 per month, which is more than the Credit Genie monthly fee. However, Brigit offers savings and credit-builder tools in addition to advances, and eligible users can extend their repayment date up to three times if needed.

  • Available in all states

Alternative for no direct deposit requirement

Dave ExtraCash

4.2
★★★★★

Finder score

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Dave may be a better option for freelancers, gig workers or others who don't have access to direct deposit, because Credit Genie requires direct deposits. It also offers larger loan amounts than Credit Genie and other cash advance apps, with loans up to $500. And it only charges a $1 per month membership fee, which is one of the lowest subscription fees we've found.

  • Available in all states

Alternative for overdraft protection

Chime SpotMe®

4.2
★★★★★

Finder score

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Chime SpotMe doesn't offer advances, like Credit Genie does, but it covers overdrafts up to $200 — a nice feature if you frequently find yourself a little bit short. It works for debit transactions and ATM withdrawals, which is handy if you need cash. Chime is free, but overdraft limits start at only $20. It will take some time and regular banking activity to increase your limit, and it only applies to Chime checking or debit.

  • Available in all states
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Direct deposit: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. SpotMe: Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.

Alternative for budgeting and investment tools

Albert

4.4
★★★★★

Finder score

Go to site Read review

If you're looking for an app with overdraft protection and other financial tools, you may want to consider Albert. Not only does Albert provide the security of up to $250 in overdraft protection, but it also offers financial advice and savings and investing vehicles as well. But you'll need an Albert Genius subscription to access most features, which costs $14.99 a month.

  • Available in all states

Alternative for no-fee transfers

Vola Finance

Read review

Unlike most cash advance apps, including Credit Genie, Vola never charges transfer fees. If you have the Vola card, you can have advances up to $300 added to your card instantly. Transfers to your linked bank account should show within five business hours, but you may need to plan ahead if you need extra cash on the same night of your request.

  • Available in all states

How Credit Genie compares

Credit Genie checks a lot of boxes in the cash advance app sector by offering no-interest advances between paydays with no credit check. It also includes other helpful features, such as low-balance alerts and insights into your spending habits to help you make more informed decisions.

But Credit Genie might not be the right app for everyone. Advance amounts are lower than most, you must have at least $750 in recurring deposits per month and only users with a linked debit card can get instant transfers. And, while the app is technically free, you have to pay a monthly “bank connection” fee of $4.99 to link your bank account.

Pros

  • No credit check
  • No-interest advances
  • Can change repayment date
  • Low-balance alerts

Cons

  • Max advance limit is $100
  • $4.99 monthly fee
  • Doesn’t disclose expedited transfer fees
  • Need linked debit card for instant transfer

Alternatives to cash advance apps

If you’re not eligible for a cash advance app loan or need to borrow a larger amount, consider these other options.

  • Personal loan. Personal loans can offer larger loan amounts with longer repayment terms, but you may need good credit to qualify.
  • Credit card cash advance. Cash advances from credit cards carry higher interest rates than regular purchases, but you can get the money right away with no credit check or hidden fees.
  • Paycheck advance from employer. Some employers have teamed up with paycheck advance apps to benefit workers who need cash between paydays. Even if your job doesn’t offer this as an app, many employers will advance you a loan and deduct it from your next check or let you pay it off in installments.
  • Payday alternative loan (PAL). Some credit unions offer small loans to their members with better interest rates than other options.

Why to avoid payday loans and short-term installment loans?

If a cash advance app doesn’t offer a big enough advance, it can be tempting to apply for a payday loan, title loan or other short-term loan, but these options can be very risky. In fact, some states prohibit these types of loans altogether because of their predatory nature. Not only are they expensive, but high rates and late fees can easily lead to a cycle of debt that can be difficult to break.

Payday loan lenders charge between $10 to $30 per $100 borrowed, according to the Consumer Financial Protection Bureau (CFPB), which can equate to astronomical APRs. For example, a two-week loan at $15 per $100 equals an almost 400% APR. Compare that to credit card APRs, which are usually less than 30%.

Furthermore, a study by the CFPB found that 80% of loans are rolled over or renewed after two weeks. And the majority of payday loans are made to people who end up paying more in fees than they originally borrowed because they renew their loans so frequently.

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