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Apps like MoneyLion

MoneyLion is a solid cash advance app, but there are other apps like EarnIn or Dave that can get you money quicker for cheaper.

MoneyLion is a banking and cash advance app that offers interest-free cash advances up to $500 per pay period with no monthly fee. It also offers subscription-based plans for additional features, such as its Credit Builder Plus membership. If you open a RoarMoney banking account, you can potentially increase your advance amount to $1,000 per pay period. But its instant transfers are expensive, and some users have complained about app glitches.

Our list of apps like MoneyLion includes a range of interest-free cash apps for people with less-than-perfect credit — and offers a range of features that could help you budget better and save money.

LenderLoan amountFeesSpeed
Up to $250
$5.99
3 to 4 days or instant for a fee.
Up to $150/day, with a max of $750 between paydays
No membership fee
1 to 3 business days or within minutes for a fee starting at $2.99 per transfer
$25 to $250
$11.99
Instant
$50 to $250
$8.99 to $14.99 monthly membership fee
1 to 3 business days or instant with a Premium subscription or for a fee.
Up to $500
Undisclosed
Up to 3 business days to an external debt card, instantly to a Dave checking or instant to an external bank account for an optional fee.
$20 to $200
N/A
Same day
Up to $500
No monthly fee but charges $15 to $20 per $100 borrowed
As fast as 1 business day
$30 to $500
$11.99 or $19.99
Instant

Top money apps like MoneyLion

Here are 8 instant money apps that offer similar services and advance amounts to MoneyLion.

  • Alternative for budgeting features: Cleo
  • Alternative for saving cash: EarnIn
  • Alternative for building a portfolio: Albert
  • Alternative for payment flexibility: Brigit
  • Alternative for financial coaching: Dave
  • Alternative for gig workers: Cash App Borrow
  • Alternative for building credit: Possible Finance
  • Alternative for non-residents: B9

Alternative for budgeting features

Cleo

8.2 Great

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MoneyLion and Cleo are similar in that both offer a range of budgeting features that let you track your spending, view upcoming bills and get low balance alerts. And with Cleo's paid version, which costs $5.99 a month, you can request cash advances in the app, get overdraft protection and earn cashback to your Cleo wallet.

But unlike MoneyLion, Cleo has an AI assistant which can answer questions like, 'How much did I spend on Starbucks this month?' or 'What's my average food cost?' It can also present data in graphs, so you can see where your money is going. So, if you like to have more control over how you view your finances, Cleo could be a good choice.

Loan amount$20 - $250
Turnaround time3 to 4 days or instant for a fee.
Costs$5.99 monthly membership fee to access cash advances
  • Available in all states

Alternative for a saving cash

EarnIn

9.5 Excellent

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EarnIn is an app that allows you to access money you've already earned before payday. It's a popular choice for those looking to avoid overdraft fees or payday loans. The app works by connecting to your bank account and tracking your hours worked. You can then withdraw up to $150 per day for free, with an option to tip what you think is fair.

One unique feature of EarnIn is its rewards program. By using the app's Tip Yourself feature, you can earn rewards for good financial habits, such as saving money or budgeting wisely. These rewards can be redeemed for cash or used to cover future tip requests.

Loan amountUp to $750
Turnaround time1 to 3 business days or within minutes for a fee starting at $2.99 per transfer
CostsFree to use or within minutes with a fee as low as $2.99 per transfer
  • Not available in: Connecticut

Alternative for building a portfolio

Albert

8.8 Great

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Albert is a financial services and banking app that offers up to $250 cash advances between paychecks. Unlike MoneyLion, there's no mandatory repayment date, which means you can borrow money and pay it back when you can. And when you set up direct deposit with Albert Cash, you can get paid up to two days early.

What makes Albert different from MoneyLion is its Genius feature. Genius is a built-in service that can answer your questions about investing, credit cards, student loans and more. Just provide Genius with a few details, and it creates your custom investment portfolio. But Genius costs $14.99 a month, and you must sign up for a free 30-day trial if you want cash advances. Existing users may fall under a previous monthly pricing plan, which ranged from $8 to $16

Loan amount$25 - $250
Turnaround timeInstant
Costs$11.99 monthly subscription to access overdraft protection
  • Available in all states

Alternative for payment flexibility

Brigit

8.4 Great

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Brigit is a cash advance app that offers advances up to $250 per pay cycle. The monthly membership fee is free to use but you won’t get access to any features. To access Brigit’s features, such as instant cash, credit monitoring or more, monthly membership is $8.99 for Brigit Plus and $14.99 for Premium. This is pricey compared to MoneyLion, which doesn't charge a monthly fee, but included in this price are some value-added features that some users may find useful.

For starters, Brigit lets you extend your repayment date if you've had two consecutive on-time payments. Brigit's monthly fee also includes free overdraft protection, up to $1 million in identity theft protection and a credit builder program. By comparison, MoneyLion's credit builder program costs $19.99 a month.

Loan amount$50 - $250
Turnaround time1 to 3 business days or instant with a Premium subscription or for a fee.
CostsBrigit Plus: $8.99/month; Brigit Premium: $14.99/month
  • Available in all states

Alternative for financial coaching

Dave ExtraCash

8.5 Great

Read review

Dave is a banking app that helps you avoid overdraft fees, budget your money, and build your credit. Like MoneyLion, Dave offers interest-free cash advances of up to $500 to cover unexpected expenses between paychecks. However, what sets Dave apart is its focus on financial coaching and education.

With Dave, you can access personalized financial insights and recommendations to help you improve your financial health. The app analyzes your spending patterns and offers suggestions for saving money and avoiding unnecessary fees. Additionally, Dave offers a Side Hustle feature that helps you find additional ways to earn money outside of your regular job.

Loan amountUp to $500
Turnaround timeUp to 3 business days to an external debt card, instantly to a Dave checking or instant to an external bank account for an optional fee.
CostsUndisclosed
  • Available in all states

Alternative for gig workers

Cash App

Read review

Cash App Borrow is a short-term loan feature for select Cash App users. Borrow lets you borrow up to $200 for a 5% financing fee and gives you four weeks to pay it back. This makes it more expensive to use than MoneyLion, but eligibility requirements appear to be more lenient.

Cash App states that selection is based on your state of residence, your credit score, if you have a Cash Card and your Cash App usage. Users say they gained access after uploading cash and sending payments. Because it looks like direct deposits aren't required as with most cash apps, Borrow could be ideal for gig workers who get paid in cash.

Loan amount$20 - $200
Turnaround timeSame day
Costs5% flat fee
  • Available in all states

Alternative for building credit

Possible Finance Mobile Installment Loans

Read review

Possible Finance calls itself the payday loan alternative, offering same-day, short-term loans up to $500 through the Possible app. Unlike MoneyLion, Possible Finance charges a $10 or $15 financing fee for every $100 borrowed, depending on the state. So, for a $100 loan with a four-week repayment period, the APR is 195.53% — the same as most payday loans.

But unlike payday loans, Possible Finance reports your payments to two of the three major credit bureaus, which could help build your credit score. But due to the high cost, it's best to limit the amount of loans you take out Possible Finance. And some users report their credit scores dropping after taking out too many loans.

Loan amount$50 - $500
Turnaround timeAs fast as 1 business day
  • Available in: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington

Alternative for non-residents

B9 pay advance app

Read review

B9 is a cash advance app that lets you get paid up to 15 days early or borrow up to $500 per pay period against the wages you've already earned. But compared to MoneyLion, it can be costly. The basic plan, which lets you access up to $100, costs $9.99 a month. And the Premium Plan, which offers $500 advances, costs a hefty $19.99 a month. And same-day transfers cost 2% of the amount transferred.

But B9 could work for you if you're a non-resident and want to take advantage of getting paid up to two weeks early. B9 allows you to use an ITIN to sign up and offers customer service in Spanish. But for advances of $500 or less, MoneyLion and other apps could be easier on your wallet.

Loan amount$30 - $500
Turnaround timeInstant
  • Available in all states

How does MoneyLion compare?

If you’re looking for a free cash app packing a range of features, including a banking account, investment account, crypto trading feature and credit builder program, MoneyLion could work for you. Unlike other apps, there’s no monthly fee for cash advances, but standard advances to an external bank account take two to five business days.

But if you need money same-day, its instant transfer charges are steep — costing $8.99 per $100 transferred — making it almost as expensive as a payday loan. But if you don’t need advances right away and you want to increase your advance amount up to $1,000 by opening a RoarMoney account, MoneyLion could actually be more economical than other cash advance apps.

But if you do a lot of instant transfers and don’t care about MoneyLion’s other features, you’ll likely save by choosing another cash advance app that doesn’t charge such high instant transfer fees.

Pros

  • No monthly subscription fee
  • Standard transfers are free
  • Other banking and financial services available
  • Can potentially borrow up to $1,000 per pay period
  • Automatic round-up feature with debit card

Cons

  • Standard transfers take three to five business days
  • Instant advances cost $1.99 to $8.99
  • Each $100 instant advance costs $8.99
  • Funds delivery to an external account takes 2 to 5 business days
  • Credit builder program costs a hefty $19.99
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To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.
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