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8 Apps Like EarnIn for Fast Cash Advances in 2026

Here’s why other cash advance apps, like Cleo or Albert, might suit you better than EarnIn.

Bethany Hickey's headshot

By

Bethany Hickey

Reviewed by

Anna Serio

Updated

Fact checked

EarnIn is a financial app that offers a quick way to get an advance on your next paycheck without completing an application or paying fixed fees. You can connect your bank accounts to the app and get access to up to $750 of what you’re expected to earn each pay period.

While its basic service can be cheaper than a payday loan, EarnIn may not be for everyone. Our top picks for apps like EarnIn work similarly, but may offer stronger perks, faster turnaround time, or higher borrowing amounts.

Key takeaways

  • EarnIn’s Strengths: Earnin allows users to access up to $150 per day, with a maximum of $750 per pay period, without charging interest or mandatory fees.
  • EarnIn’s Limitations: The app requires a steady paycheck and direct deposit setup, and is not available for gig workers or freelancers.
  • Alternatives with Higher Limits: Some competing apps offer higher cash advance limits, such as up to $1,000, and may provide more flexible repayment options.

Our 8 top picks for apps like EarnIn

  • If you want budgeting features: Cleo
  • If you want to all-in-one money app: Albert
  • If you want for flexible repayments: Brigit
  • If you don’t have direct deposits: Cash App
  • If you want a cashback Visa card: B9
  • If you are an hourly workers: ONE@Work
  • If you want to boost your credit: Possible
  • If you want to track your spending: Vola

Alternative for budgeting features

Cleo

8.2 Great

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While EarnIn excels at getting more of your earned paycheck faster, Cleo excels at helping you budget, spend, and save better – and offers cash advances from $20 to $250. With Cleo, you can track your spending, view upcoming bills, and get low-balance alerts. With its paid version, you can request cash advances in the app, get overdraft protection and earn cashback to your Cleo wallet.

Unlike EarnIn, Cleo has an AI assistant that can answer questions in natural language, like “How much did I spend on Uber this month?” It can also break down your finances into graphs so you can see where your money is going. While you can potentially pull more money with EarnIn, Cleo doesn't require you to verify your income or upload timesheets to get cash, like EarnIn does.

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

Alternative for all-in-one money app

Albert Instant

8.8 Great

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Albert is a popular all-in-one money app that provides up to $1,000 to members. You don't need a subscription to use Albert Instant, it's available to any eligible Albert member subject to eligibility requirements.

Albert also offers optional subscription tiers which include extra tools like budgeting insights, automated savings, spending alerts, and other financial management features. Combined with Albert Instant, these features help users manage short-term cash gaps and stay on top of their finances.

Loan Amount $25 - $1,000
Turnaround time Within minutes
Costs No subscription required

Alternative for flexible repayments

Brigit

8.4 Great

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Brigit is a no-frills app that offers $50 to $500 cash advances per pay cycle. Unlike EarnIn, the service costs $8.99 to $14.99 per month. And if you're short on cash and need extra time to pay, Brigit lets you extend your due date. You can ask for one extension for every two consecutive advances you pay back on time. By doing this, you can store up to three extensions for use at a later date.

Loan Amount $50 - $500
Turnaround time 1 to 3 business days or instant with a Premium subscription or for a fee.
Costs Brigit Plus: $8.99/month; Brigit Premium: $14.99/month
  • Available in all states

Alternative for people without direct deposit

Cash App

Read review

Cash App Borrow is a feature inside of Cash App that allows eligible users to borrow up to $500 for any need. But it's still a pilot program, and it's apparently only available to select users with a history of adding cash to the app and possibly sending payments.

While it's unclear how CashApp Borrow works, how much you can borrow is likely determined by how much money you deposit and keep in your CashApp account, borrow and repay. Unlike other cash apps, your ability to borrow doesn't necessarily depend on having direct deposits. This makes it ideal for people who get paid in cash — or otherwise don't receive income via direct deposit.

Loan Amount $20 - $500
Turnaround time Same day
Costs 5% flat fee
  • Available in all states

Alternative if you want a cashback Visa card

B9 pay advance app

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B9 is one of the few cash advance apps that offers an FDIC-insured cashback Visa card. Additionally, B9 doesn't charge fees or require tips when you request an advance.

But you'll have to join either their B9 Advance plan at $9.99 a month or B9 Premium plan at $19.99 a month to access cash advance benefits. B9 isn't the cheapest option out there, but it may be worth it if you need larger advances sooner.

Loan Amount $10 - $1,000
Turnaround time Instant
Costs Basic: $5.99/month. Premium: $19.99/month (or as little as $7.99/month if paid annually). Optional fees apply for instant external transfers (e.g., to Cash App or Venmo) — not included in membership price.
  • Not available in: District of Columbia

Alternative for hourly workers

ONE@Work

9.5 Excellent

Read review

One@Work (formerly Even) is a budgeting app that offers up to 50% advances on wages you've already earned through its Instapay feature. The service is free for employees if employers have configured these benefits in the Instapay app. A small fee will apply if not. On top of this, One@Work helps you stick to a budget by alerting you about upcoming bills and how much you need for them. Your employer determines how often you can take an Instapay and how much of your net earnings you can access.

Loan Amount Not listed
Turnaround time Instapay is instant and free if your employer has configured this benefit; a small fee applies if they have not. All other delivery options are free.
Costs Free employee benefit. No membership fee. Instant fee may apply depending on employer setup, amount not listed on site.
  • Available in all states

Alternative if you want to boost your credit

Possible Finance Mobile Installment Loans

Read review

Possible Finance offers short-term installment loans for bad credit borrowers. While there's no credit check, you can expect to pay up to $15 to $20 per $100 borrowed in fees when you take out an advance, depending on your state. But unlike EarnIn and other cash advance apps, it reports your payments to two of the three major credit bureaus to help you build your credit score. It also has same-day funding available if you have a Visa debit card. But it's more expensive to use than cash advance apps, so you should compare other credit-building programs and decide if the credit-boosting feature is worth the cost.

Loan Amount $50 - $500
APR Varies by state; fees are $10–$25 per $100 borrowed in most states
Turnaround time As fast as 1 business day
  • Not available in: Alaska, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Jersey, New Mexico, New York, North Dakota, Pennsylvania, South Dakota, West Virginia, Wisconsin

Alternative if you want to track your spending

Vola Finance

Read review

Vola is a cash advance app offering up to $300 in advances. It also offers spending analytics and smart graphs to help you manage your personal finances. Unlike EarnIn, Vola charges a subscription but requires no additional fees for any of its services.

You can also earn access to more benefits when you increase your Vola Score by remaining in good financial standing.

Loan Amount Up to $300
Turnaround time Within 5 hours or instant to Vola card
  • Available in all states

Methodology: How we chose these apps

Our team weighs each app against eight main factors: fees, membership plans, turnaround time, terms, financing options, how soon you can borrow, maximum borrowing amounts and overall perks. We also considered whether the app was available on Apple’s App Store and Google Play. Customer reviews on sites such as the Better Business Bureau and Trustpilot were factored in as well.

How EarnIn compares

As a cash advance app, EarnIn is a top runner. It has no membership fees or tip requirements, offers same-day funding and you can borrow up to $1,000 per pay period with its Cash Out feature. However, how much you can borrow is based on how much you make.

EarnIn isn’t for everyone, though. To request cash advances, you must verify your work email or hours worked by submitting timesheets and allow location tracking to verify you were at your job’s location. For some, this verification is too intrusive.

Pros

  • No membership fees
  • No tip requirements
  • No credit check
  • Borrow up to $1,000 per pay period

Cons

  • Must have consistent pay schedule
  • Mixed customer reviews
  • Class-action lawsuit in 2021
  • May need to submit timesheets and working schedule

Bottom line

Cash advance apps may be a more affordable alternative to high-interest payday loans. Compare cash advance apps to find one that works with your payment schedule to avoid taking on more costly debt.

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Written by

Banking editor
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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. See full bio

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8 Responses

    Codredo's avatar
    CodredoAugust 4, 2019

    I have some money that I don’t want to spend in next couple of months;I needed someone who is in need of a loan to take this money and who is willing to pay back in 5months time

      fayemanuel's avatarFinder
      fayemanuelAugust 5, 2019Finder

      Hi Codredo,

      Thanks for contacting Finder.

      It might interest you to invest in peer-to-peer lending. This type of lending involves borrowing money from individual investors. Here are the requirements for some prominent P2P lenders:

      – SocietyOne: Need to be a sophisticated investor
      – RateSetter: Individuals over the age of 18 can lend from just $10
      – MoneyPlace: Currently need to be a wholesale or institutional investor, but retail investors are coming soon
      – Harmoney: Currently only sophisticated investors can apply, opening to retail investors soon
      – Marketlend: Open to retail investors

      Hope this helps.

      Kind Regards,
      Faye

    Miriam's avatar
    MiriamJuly 25, 2019

    Payday advance when receiving disability

      nikkiangco's avatar
      nikkiangcoJuly 26, 2019

      Hi Miriam,

      Thanks for getting in touch! At this time the payday apps are unable to pay out earnings from Social Security, Disability, or other government benefits.
      You may check this page out again from time to time to see any updates.

      Hope this helps!

      Best,
      Nikki

    Van's avatar
    VanJuly 7, 2019

    I have been turned down for every loan I apply for.

      Jhez's avatarFinder
      JhezJuly 8, 2019Finder

      Hi Van,

      Thank you for your comment.

      I am sorry to hear about your applications being turned down. If this happens, it’s often because the lender found something that didn’t meet their criteria when they did a full search of your information. You may be able to find out what it is by asking the lender.

      Additionally, please take a look at our page on how to improve your chances of approval. Hope this helps.

      Regards,
      Jhezelyn

    RAJ's avatar
    RAJMay 14, 2019

    Where and how can I acquire $700-$1,400 in the next 48 hours for May’s and June’s rent?

      Mai's avatarFinder
      MaiMay 15, 2019Finder

      Hi Raj,

      Thank you for reaching out.

      For fast approval loans, you can refer to our article Compare personal loans with fast approval. These lenders can get you funds the same day you apply. You can filter your search by choosing your credit score and your state and click “Show Me My Personalized Options” and compare from there. You can click Go To Site or Enquire Now button to be redirected to the lender’s page where you can apply.

      Hope this helps! 😊

      Kind Regards,
      Mai

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