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7 cash advance apps that work with ADP

Many cash advance apps do not work with ADP, but here are 7 that do.

These cash advance apps help employees access their earned wages when needed. This allows for flexibility and peace of mind to meet obligations without waiting for payday.

7 cash advance apps that work with ADP

In an era where 48% of consumers report they’re more likely to stay with their employer due to cash advance apps like DailyPay, we broke down a total of seven cash advance apps that work with ADP.(1)

Best for due date extensions: Brigit


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Brigit differentiates itself as a comprehensive financial wellness app that offers more than just cash advances. Alongside interest-free cash advances of up to $250 without credit checks, Brigit has a suite of financial tools, including budgeting assistance, credit building, side gigs, discounts and overdraft protection, as well as $1M in identity theft insurance. Plus, you can extend payment due dates up to three times, making it a useful tool if you need payment flexibility.

Brigit's focus on financial wellness and budgeting tools can complement the financial management needs of ADP users, making it a valuable addition to their financial toolkit. It's important to note that while the basic membership to Brigit is free, access to the cash advance feature requires a monthly subscription fee of $8.99 for Brigit Plus.

  • Available in all states

Best for a traditional banking experience: MoneyLion

MoneyLion Instacash advances

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MoneyLion's Instacash feature allows existing customers to access cash advances of up to $500, with the flexibility to extend the repayment date and no mandatory fees. However, getting your advance may take a few days or more, and they are distributed in up to $100 increments. Unlike some competitors, MoneyLion doesn't charge overdraft fees and provides the option to extend the repayment date, making it a convenient option for covering one-time emergency expenses.

  • Available in: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming

Best for receiving 100% of income: DailyPay

Dailypay pay advance app

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DailyPay is an on-demand app that works with ADP to provide employees with earned wage access. Employees no longer need to consult with their employer to tap into their income when sensitive financial situations arise. DailyPay reports that 52% of users have an improved opinion of their employer after using the app.

  • Available in all states

Best for Customer Service: ZayZoon


ZayZoon allows employees to access their earned wages before the scheduled payday, aiming to promote financial wellness and responsible spending. The app also offers customer service support even on the weekends if users have questions. ZayZoon's service can help prevent the need for predatory payday loans, potentially saving users a significant amount annually. While providing instant access to earned wages, the app does have a cost for instant transfers and may have limitations on the availability of certain types of pay for instant transfer, such as holiday pay.

Best for No Fees: Instant Financial

Instant Financial

The Instant Financial app competes with DailyPay and ZayZoon by offering free daily access to earned wages and tips for verified employees, enabling in-store and online purchases, ATM cash withdrawals and bank account transfers. However, Instant Financial is only available at employers offering the service, and its usage details may vary depending on the employer's arrangement with Instant Financial.

Best for Complete Financial Wellness: PayActive

Payactiv pay advance app

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PayActiv sets itself apart from competitors by offering a holistic financial wellness platform that includes banking products, savings and a suite of services to promote both employee and employer financial well-being. PayActiv's focus on a wide range of financial services, including low-cost advances on paychecks with no bank account required, secure bill payment and financial insights, differentiates itself from its peers. PayActiv's approach to employee wellness includes access to earned wages, safe-to-spend guidance, goal-based savings and exclusive discounts.

  • Available in all states

Best for Companies of all Sizes: Wisely by ADP


Wisely by ADP offers early wage access, a digital banking alternative and cashback rewards. The platform offers a Wisely Pay Visa or Mastercard, issued by Fifth Third Bank, N.A. or Pathward. The company also offers transparent fee structures and has a friendly interface to accommodate less digital-savvy users.

How we chose these providers

We evaluated various pay advance apps compatible with ADP, comparing loan amounts, turnaround times, fees and eligibility.

Does my cash advance app work with ADP

If you have a favorite app that didn’t make our list, it might still work with ADP. Take a look at our table to see which cash advance, payday loan and installment loan apps will or won’t work with the app.

AppTypeWorks with ADP?
Advance AmericaPayday loan
AlbertCash advance
BranchCash advance
BrigitCash advance
Cash AppCash advance
CashNetUSAPayday loan
CleoCash advance
DaveCash advance
EarninCash advance
EmpowerCash advance
Float MeCash advance
GeraldCash advance
GridCash advance
KloverCash advance
LendupConnection service
MoneyLionCash advance
Money MutualPayday loan
OppLoansInstallment loan
Possible FinanceInstallment loan
SpotloanInstallment loan
VaroCash advance
VolaCash advance

Should I stick with ADP?

If you’re thinking of using apps compatible with ADP’s earned wage access feature, it’s important to know the pros and cons. ADP’s earned wage access feature offers a quick way to tap into your income when you need it without asking your supervisor. As long as you have an active ADP account and a direct deposit account, you’re good to go.

However, only some cash advance apps are compatible with ADP. If you’re looking for something compatible with all cash advance apps, research other options. For instance, popular cash advance apps such as Chime, which has free overdraft protection, aren’t connected with ADP yet.

Pros and Cons of ADP Earned Wage Access


  • Integrations provide employees with faster access to earned wages — some apps offer payments within minutes
  • Can improve employee recruitment and retention
  • Offers flexible pay structures
  • No need for third-party approval if you have an ADP account


  • Not all cash advance apps have an ADP integration yet
  • Some apps may result in fees for employees, which reduces earned wage

Alternatives to Cash Advance Apps for ADP customers

If you’re an ADP Earned Wage Access user or are considering all your options, choose apps that align with your financial needs. If you prefer other cash advance apps that aren’t in partnership with ADP, you’ll find the technology restrictive.

Here are some alternatives that may work for you instead:

  • Credit union or bank loans: You can consider having a membership in your local credit union or bank to meet short-term funding needs. These institutions, especially credit unions, usually offer lower interest rates than cash advance apps.
  • Local resources: If you need financial assistance, check your local government to see which programs they offer to help you cover food, utilities and rent during difficult times.
  • Financial counseling: Sometimes, you may want to seek a third-party financial counselor to help create a sustainable budget that supports your basic needs and lifestyle. An outside eye may help you find opportunities for better spending and long-term financial success.

These cash advance apps, in partnership with ADP, aren’t your only route to getting funds ahead of pay day. Check out other cash advance apps or payday loan alternatives before you decide.

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