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7 Cash Advance Apps Like ONE@Work (formerly Even) for 2026

Don't work for an employer that uses this app? Here are others that may be a better fit.

Bethany Hickey's headshot

By

Bethany Hickey

Edited by

Holly Jennings

Reviewed by

Anna Serio

Updated

Fact checked

ONE@Work, formerly Even, is a unique cash advance app. It partners with multiple companies — including Walmart — so employees can access up to 50% of their paycheck early. With over 900,000 active members and multiple banking features, it’s a popular choice among cash advance apps.

The only catch is that you must work for an employer that partners with ONE@Work to access advances. If your employer doesn’t support ONE@Work, consider these other cash advance apps or installment lenders instead.

Our 7 top alternatives to ONE@Work

Alternative for budgeting features

Cleo

8.2 Great

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Cleo is a budgeting and cash advance app that comes in a free and paid version. Both versions offer a wide range of budgeting tools that let you track your spending, view upcoming bills and get low balance alerts. And with the paid version, you can request cash advances in the app, get overdraft protection and accrue cashback to your Cleo wallet.

While ONE@Work also has budgeting and auto-saving features, Cleo arguably takes it to a whole new level with its AI assistant, which can answer questions in everyday language, such as “How much did I spend on Uber this month?” and break your finances down into easy-to-read graphs. So, if you like to keep more granular tabs on your spending, Cleo could be a good choice.

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 hourly workers

EarnIn

9.5 Excellent

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EarnIn (formally Achieve Hours) is well-suited for hourly workers and lets you borrow up to $150 per day or $1,000 per pay period. How much you can borrow depends on how many hours you've worked. EarnIn requires users to submit timesheets or allow the app to track your location to verify your hours and employment.

Unlike ONE@Work, EarnIn doesn't require you to work for a specific company and doesn't require a monthly membership fee. There are no interest charges on its advances, and tipping is optional. And if you sign up for EarnIn's paid membership Lighting Speed, you may be eligible for larger advances and faster delivery times.

While most financial apps get poor customer ratings, EarnIn gets great customer reviews overall. It has in-app 24/7 live chat support, and most reviews praise EarnIn's customer support representatives.

Loan Amount Up to $1,000
Turnaround time 1-2 business days standard, in minutes with a small fee
Costs Free
  • Not available in: Connecticut, District of Columbia

Alternative for all-in-one 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 repayment

Brigit

8.4 Great

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Brigit is a financial wellness app that offers a range of features to help you build credit and stay on top of your finances. It's one of the few apps that allows you to extend your due date up to three times, if you can't make your repayment.

Unlike ONE@Work, Brigit cash advances are available to anyone over 18 who receives direct deposit payments. Its overdraft protection feature can help you avoid overdrawing your account, and you can request cash advances as needed, with the option to receive funds within 20 minutes for a small fee.

But Brigit charges a membership fee that's slightly higher than ONE@Work at $8.99 to $14.99 per month. It's received only a few dozen reviews for the app, and the majority are negative. Most users aren't happy with the $8.99 to $14.99 membership fee, cite issues canceling membership, and overall, report poor customer support and service. You can only contact Brigit via email or chat.

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 installment loans

OppLoans Installment Loans

9.4 Excellent

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OppLoans is an online lender that offers personal installment loans from $500 to $5,000. It only does a soft credit check, which does not affect your FICO credit score. It's not a cash advance app like others on this list, but it can be as fast as one, allowing you to get your funds the same day if you apply by noon, central time (CT).

While its interest rates can be as high as 195%, higher than many other personal loan lenders, it may be cheaper than a payday installment loan — which typically have APRs exceeding 300%.

Loan Amount $500 - $5,000
APR 129% - 195% APR
Turnaround time As soon as the same business day
Online application Yes
  • Not available in: Colorado, Connecticut, District of Columbia, Georgia, Iowa, Maryland, Massachusetts, New York, Oregon, South Dakota, Vermont, West Virginia

Alternative for mobile banking benefits

Cash App

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Cash App might be the best app for all mobile banking needs. It's well-known and is the highest-ranking banking app in the App Store. Most users know it for its peer-to-peer payment system for quickly sending money to friends and family for free, but that's just the tip of the iceberg.

It features a free Visa Cash Card connected to your Cash App balance, which you can use for everyday purchases, early paycheck arrival, and crypto and stock investing options. Its latest feature, Cash App Borrow, allows eligible users to borrow small loans between $20 to $500 — but unlike cash advances, there is a 5% monthly fee. Unfortunately, Borrow is still in a pilot program, so it's not widely available just yet.

On the downside, most of Cash App's reviews are poor, despite its popularity. Most users cite poor customer service and issues resolving refunds, and it's had close to 10,496 BBB complaints in the last three years.

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

Alternative for short-term loans

Possible Finance Mobile Installment Loans

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Possible Finance isn't a cash advance app like ONE@Work, but it can get you quick funding for one-time emergencies. Possible offers short-term installment loans up to $500, which you repay over terms of up to 8 weeks. These loans charge a fee instead of interest, which is likely to be between $15 to $25 per every $100 borrowed. Exact costs and loan amounts vary by state.

Applying for a loan requires no credit check, and Possible does report timely payments to two of the three major credit bureaus — so there is a chance for credit building if you maintain a consistent repayment history. Funding times are also quick, and you may get your funds as soon as one business day, whereas many cash advance apps charge extra for quick delivery.

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

How does ONE@Work compare?

ONE@Work offers cash advances on the hours you’ve worked through its Instapay feature. Advances are repaid as either a deduction from your paycheck or bank account. You can access advances immediately in person at Walmart or with a ONE account transfer. Transfers to external bank accounts take one business day.

But not everyone can use ONE@Work. Unless you work with a partnered employer, like Walmart, you won’t be able to get cash advances. And its cash advances max out at 50% of your current earnings. If your employer doesn’t offer it or you need to borrow more than 50% of your paycheck, consider these other cash advance apps or a personal loan with borrowing amounts starting at $600.

Read our review of ONE@Work for more information.

Pros

  • No interest charges
  • Get advance at any US Walmart
  • Same-day funding available
  • Automatically sets money aside for savings

Cons

  • Must work for a company that partners with ONE@Work
  • Fees may apply to instant transfers if your employer doesn’t support them
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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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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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