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7 cash advance apps that work with ADP

Many cash advance apps do not work with ADP, but here are 8 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

4.2
★★★★★

Finder score

Go to site Read review
Loan amount$50 - $250
Turnaround time2 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

Best for Companies of all Sizes

Wisely

Go to site
Loan amountUndisclosed, based on earned wages
Turnaround timeInstant to Wisely card
CostsNo fees for early direct deposit

Best for a traditional banking experience

MoneyLion Instacash advances

4.5
★★★★★

Finder score

Go to site Read review
Loan amount$50 - $500
Turnaround timeUp to 5 days or instant for a fee of $0.49 to $8.99
Costs$19.99 monthly fee if you have a Plus membership
  • 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 pay advance app

Read review
Loan amountUp to 100% of earned wages, $1,000 daily limit
Turnaround timeNext business day or instant with a DailyPay card or for a fee
CostsNo fee, available for qualified consumers
  • Available in all states

Best for Customer Service

ZayZoon

Loan amountUp to $1,000
Turnaround timeInstantly or next business day if transfer is after 5:30 p.m. ET

Best for No Fees

Instant Financial

Loan amount50% of your earned income
Turnaround time1 to 2 days

Best for Complete Financial Wellness

Payactiv pay advance app

Read review
Loan amount$200 minimum per pay period or 50% of earned wages, whichever is greater
Turnaround timeWithin 1 to 3 or days or instant onto Payactiv card or for a fee
  • Available in all states

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
    No
AlbertCash advance
    No
BranchCash advance
    Yes
BrigitCash advance
    Yes
Cash AppCash advance
    Yes
CashNetUSAPayday loan
    No
CleoCash advance
    No
DaveCash advance
    No
EarnInCash advance
    No
EmpowerCash advance
    No
Float MeCash advance
    No
GeraldCash advance
    No
GridCash advance
    No
KloverCash advance
    No
LendupConnection service
    No
MoneyLionCash advance
    Yes
Money MutualPayday loan
    No
OppLoansInstallment loan
    No
Possible FinanceInstallment loan
    No
SpotloanInstallment loan
    No
VaroCash advance
    No
VolaCash advance
    No

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

Pros

  • 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

Cons

  • 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.

Megan B. Shepherd's headshot
To make sure you get accurate and helpful information, this guide has been edited by Megan B. Shepherd as part of our fact-checking process.
Dhara Singh's headshot
Written by

Writer

Dhara Singh was a freelance personal finance writer at Finder specializing in loans. Formerly she was a top 10 journalist at Yahoo Finance with more than 38+ million content views where she covered retirement and mortgages. She has also written for Bankrate, and CNET and continues to write for a variety of outlets, such as Investopedia and Worth magazine. Her articles focus on equipping readers with the right information and data so they can make the most informed decisions related to their finances. Dhara previously worked as an insights analyst for Finder’s PR team, where she started the Deadliest Cities to Drive series in 2018, connecting interesting data analysis to a suite of car insurance products. When she’s not writing, Dhara coaches small business owners through her Stories to Sales programs and empowers them to use their life experiences to help other people. She has also self-published a poetry book on Amazon called Tell her She’s Lovely. Dhara holds a B.S. in Finance and Supply Chain Management from Rutgers University and a M.S. in Journalism from Columbia University. See full bio

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