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Apps like Earnin

If you like to have cash on demand, compare these other cash advance apps.

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 cash advances based on what you’re scheduled to earn.

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

Our 9 top picks for apps like Earnin

  • If you want to avoid overdrafts: Chime SpotMe
  • If you want budgeting features: Cleo
  • If you want to build a portfolio: Albert
  • If you want for flexible repayments: Brigit
  • If you don’t have direct deposits: Cash App
  • If you want a full paycheck advance: B9
  • If you are an hourly worker: Even
  • If you want to keep track of your finances: MoneyLion
  • If you want to boost your credit: Possible

Alternative for avoiding overdrafts

Chime SpotMe®

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Chime doesn't offer loans, but if your main concern is having to pay overdraft fees each month, this online bank may have a solution for you. Chime's SpotMe has a no-fee overdraft feature that provides up to $200 to cover overdrafts to your Chime Checking account. To qualify, you need to make a monthly direct deposit of $200 or more into your Chime checking account and activate your Chime debit card.

SpotMe only covers overdrafts caused by ATM or debit card transactions and starts with just $20 of protection. You can raise this limit with regular deposits and a solid account history, by qualifying for promotional bonuses offered by Chime or by using SpotMe Boost, a program that allows existing members to boost each other's SpotMe feature.

  • 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.
Pros
  • No fees or tipping obligation
  • Low monthly direct deposit requirement of $200
Cons
  • Overdraft limits start at $20 and max out at $200
  • Must use with Chime Checking account and debit card
  • Overdraft only covers debit card purchases and ATM withdrawals
Loan amountUp to $200
Loan TermNext deposit
Turnaround timeSame day

Alternative for budgeting features

Cleo

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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 up 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 which 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 Even does.

  • Available in all states
Pros
  • No employment verification required
  • No interest charged on cash advances
  • Support available with free version
Cons
  • Cash advance amounts limits start low
  • Paid plan costs $5.99 a month
  • Mixed customer reviews
Loan amountUp to $250
Loan TermVaries
Turnaround time3 to 4 days standard transfer. Same day with $3.99 express fee.

Alternative for building a portfolio

Albert

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Albert is a banking app that offers free cash advances up to $250 with its Albert Instant feature. What makes Albert different is its Genius feature. Genius is a technology-driven, human-backed financial service that can build a custom investment portfolio based on your goals, but it costs $14.99 to $16 a month.

Unlike other cash apps, Albert automatically enrolls all new borrowers in a free 30-day trial of Genius in order to use the app to get free advances. To prevent getting charged on the next renewal, you'll need to cancel Genius within the 30-day trial period. And like most other cash apps, instant transfers attract a fee.

  • Available in all states
Pros
  • Offers investment help
  • Paid membership not required for advances
  • No late fees or inactivity fees
Cons
  • Automatic enrollment in paid service
  • A pattern of customer complaints
  • No customer service phone number
  • Instant transfer fees not listed
Loan amountUp to $250
Loan TermN/A
Turnaround time2–3 business days or instant for a fee

Alternative for flexible repayments

Brigit

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Brigit is a no-frills app that offers up to $250 cash advance per pay cycle. Unlike Earnin, the service costs $8.99 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.

  • Available in all states
Pros
  • Helps avoid overdrafts
  • No-interest cash advance
  • Credit builder program included in monthly fee
  • Offers up to $1 million in identity theft protection
Cons
  • $8.99 monthly subscription fee
  • No additional financial tools
Loan amountUp to $250
Loan TermVaries
Turnaround time1 to 3 business days or instantly with a fee

Alternative for people without direct deposit

Cash App

Cash App Borrow is a feature inside of Cash App that allows eligible users to borrow up to $200 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.

  • Available in all states
Pros
  • Direct deposit payments may not be required
  • No credit check involved
Cons
  • Only available to certain users
  • Limited to $200 per advance
  • Does not disclose eligibility requirements
Loan amount$20 to $200
Loan TermVaries
Turnaround timeSame day

Alternative if you want a full paycheck advance

B9 pay advance app

B9 is one of the few cash advance apps that offers up to 100% of your paycheck as soon as 15 days before your next pay day. With Earnin, you have to wait until two days before your payday to get a full advance. B9 doesn't come with any fees or tip requirements when you request an advance.

But you'll have to build your history with B9 before you can receive the full advance — which also depends on factors like your pay frequency and income. And B9 charges a monthly membership fee of $9.99 or $19.99 to $19.99, depending on your plan. B9 isn't the cheapest option out there, but it may be worth it if you need larger advances sooner.

  • Available in all states
Pros
  • Get up to 100% of your paycheck
  • Advances available 15 days before paycheck
  • No fee or tip per advance
Cons
  • $9.99 or $19.99 monthly membership fee
  • Not all borrowers will qualify for full advance
  • Not ideal for occasional advances
Loan amountUp to 100% of your paycheck
Loan TermNot Stated
Turnaround timeInstant

Alternative for hourly workers

ONE@Work

Even is a budgeting app that offers up to 50% advances on wages you've already earned through its Instapay feature. The service costs $6 a month and is part of Even's premium service, called Even Plus. On top of this, Even helps you stick to a budget by alerting you about upcoming bills and how much you need for them. To become a Plus member and access Instapay, you must work for an employer that offers it as a benefit. But, like Earnin, advances are limited to the hours you've already worked.

  • Available in all states
Pros
  • Instant funding available through Walmart
  • Helps you stay on top of bills
Cons
  • Available through select employers only
  • $6 a month Plus membership required
  • Advance limited to wages you've already earned
Loan amount50% of paycheck
Loan TermVaries
Turnaround timeSame day

Alternative if you want to keep track of your finances

MoneyLion Instacash advances

MoneyLion is an all-around personal finance app that also offers small dollar loans. It goes beyond Earnin, offering a no-fee checking account, no-interest cash advances, credit monitoring and credit-builder loans of up to $1,000 if you add Roar Money as direct deposit.

If you have Credit Builder Plus with direct deposit, you can receive up to 20% of your paycheck. But its Credit Builder Plus program costs a hefty $19.99 a month, which is more expensive than credit building programs through other apps like Dave or Brigit. Customer reviews of the app also tend to run negative, with hundreds of complaints filed on the Better Business Bureau (BBB) website.

  • 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
Pros
  • Multiple financing options
  • No interest
  • Easily track financial health
Cons
  • Credit Builder Plus program costs $19.99 a month
  • Poor customer reviews and complaints
Loan amountUp to $500 or $1,000 with RoarMoney account
Loan TermDue by your next pay date
Turnaround timeUp to 5 days or instant for a fee of $0.49 to $8.99

Alternative if you want to boost your credit

Possible Finance Mobile Installment Loans

Possible Finance offers short-term installment loans for bad credit borrowers. While there's no credit check, you can expect to pay up to $44 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.

  • 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
Pros
  • Borrow up to $500
  • Same-day funding available
  • Helps build credit
Cons
  • High fees
  • Only available in select states
  • Must meet income requirement
Loan amount$50 - $500
Interest rate typeFixed
Loan Term2 to 8 weeks
Turnaround timeAs fast as 1 business day

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 $500 per pay period. If you sign up for Earnin Express, you can increase your cash advance allowance up to 80% of your paycheck — maximum of $1,000 per pay period. 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 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
  • Borrow up to $750 per pay period
  • Borrow up to $1,000 per period with Earnin Express

Cons

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

Alternatives to cash advance apps

If you’re not keen on downloading another app, but need some quick cash, consider these options:

  • Credit card advance — You could withdraw money with an ATM with your credit card, called a credit card advance. Just know that credit cards tend to come with high interest rates, so use caution.
  • Personal loans — Personal loans can be used for nearly anything; unexpected bills, vacations, weddings, renovations, you name it. However, you may need good credit, and rates can get high.
  • Vehicle title loans — If you own a car outright, you may be able to put it up as collateral for a loan. Just know that if you fail to repay, you risk losing your vehicle, so tread carefully with this option.
  • Employer-sponsored pay-advance apps — Some companies offer employees an option to withdraw from the wages they’ve already earned before their paycheck is due. Pay-advance apps are more common for hourly employees in industries like retail and fast food, such as PayActiv and DailyPay.

What about payday loans and short-term loans?

If cash advance apps aren’t your cup of tea, then you may be considering payday loans or other short-term loans. However, be wary of these options.
These options may be predatory and come with super high APRs — often in the triple digits — which may hurt borrowers as much or more. Consider payday loans and short-term loans as a last resort borrowing option.

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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8 Responses

    Default Gravatar
    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

      AvatarFinder
      fayemanuelAugust 5, 2019Finder

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      Hope this helps.

      Kind Regards,
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    Default Gravatar
    MiriamJuly 25, 2019

    Payday advance when receiving disability

      Default Gravatar
      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

    Default Gravatar
    VanJuly 7, 2019

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

      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.

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      Regards,
      Jhezelyn

    Default Gravatar
    RAJMay 14, 2019

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

      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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