5 pay advance apps like Earnin

Compare apps for quick access to money you've already earned.

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Earnin offers a quick way to get an advance on your next paycheck without completing an application or paying fixed fees. Instead, you download the app, connect it to your bank account and get an advance of up to $100 a day or $500 a pay period. App Store customers score it 4.6 out of 5 stars as of May 2019.

While its basic service can be cheaper than a payday loan, Earnin isn’t for everyone. You must receive direct deposit from your employer for the app to work. Alternative apps might offer for stronger perks, faster turnaround or better meet your needs in general.

Click here to see Earnin

1. Dave

Dave is a pay-advance app that offers no-interest loans designed to help you avoid overdraft fees. It could be a better choice if you’re struggling to stick to a budget: Dave notifies you when you’re about to run out of funds, anticipating regular expenses like rent and utilities. Mark Cuban is an investor, and it gets the same high rating as Earnin on the App Store: 4.7 out of 5 stars.

After you download the app, Dave asks to connect with your bank account. Typically, you’ll need at least two direct deposits in your account to qualify, though it doesn’t check your credit.

Dave offers up to a $75 advance if your pay check is due in the next 10 days. There’s no interest, though Dave charges a $1 monthly membership fee. Dave also asks for tips, part of which go to the charity Trees for the Future. It can take three days to get your funds for free or $4.99 to get money within eight hours.


  • Helps develop healthy spending habits.
  • No-interest cash advance.


  • Advances of up to $75 only.
  • Limited to cash advances.
  • Three-day turnaround for free advance.

2. MoneyLion

MoneyLion is an all-around personal finance app that also happens to also offer small-dollar loans. It goes far beyond Earnin, offering a no-fee checking account, 0% APR cash advances, credit monitoring, even credit-builder loans of up to $500 starting at 5.99% APR. Plus, you can earn cashback rewards and gift cards for staying on top of your finances. Its customers rate it a high 4.6 out of 5 stars on the App Store.

MoneyLion could be a good option if you regularly rely on short-term loans or want to improve your credit. You don’t have to pay anything to get a cash advance of up to $250, which is instantly deposited into your MoneyLion checking account. But to access its credit-builder loans, cashback rewards and weekly credit score updates, you must be a Plus member. This comes with a $29 monthly fee plus a $50 deposit into an investment account.


  • Multiple financing options.
  • Keep track of your financial health.
  • 0% APR cash advance.


  • Requires MoneyLion checking account for instant advance.
  • Membership fee for other perks.

3. Even — Automatic Money Manager

Even — Automatic Money Manager is a budgeting app that also offers a free advance on wages you’ve already earned through its Instapay feature. On top of this, Even helps you stick to a budget by alerting you about upcoming bills and how much you need for them. You can even set aside savings through the app by rounding up your purchases to the nearest dollar. It earns a slightly higher rating than Earnin: 4.9 out of 5 stars on the App Store.

Even charges a monthly $2.99 fee to access its basic budgeting and saving tools. To become a Plus member and access Instapay, you must work for an employer that offers it as a benefit. You can get up to a 50% advance on your next paycheck, depending on how much you’ve already earned that month. Either pick up your funds right away at any Walmart or wait until the next business day for a bank transfer. The cost of Plus membership varies depending on how much your employer covers.


  • Instant funding available through Walmart.
  • Helps you stay on top of bills.


  • Available through select employers.
  • Plus membership required.
  • Only access wages you’ve already earned.

4. Brigit

Similar to Dave, Brigit is designed to help you avoid overdraft fees on your checking account. It’s a no-frills app that does one thing only: Gives you access to a pay advance when you’re in danger of overdrawing your account. It scores a solid 4.6 out of 5 stars in the App Store.

Take advantage of Brigit by downloading the app and signing up for the $9.99 monthly subscription. Brigit monitors your bank account and offers up to $250 per pay cycle with no interest or fees when it looks like you’re about to overdraw on your balance. You can also request an advance if you have an unexpected expense pop up.

Approval takes minutes, and you can get your money as soon as the same day. Brigit automatically withdraws the amount you borrowed on your next payday.


  • Helps avoid overdrafts.
  • No-interest cash advance.


  • $9.99 monthly subscription fee.
  • No additional financial tools.

5. Speedy Cash

Speedy Cash originally developed its app to help borrowers manage short-term loans. But you can also apply for a loan through the app. In addition to offering an advance on your next paycheck, Speedy Cash deals with auto title loans, installment loans and lines of credit. To apply, download the app, sign up for an account and click Apply.

Some customers say that the Speedy Cash app is faster than applying online or in a store. But like a regular Speedy Cash loan, you’ll typically get your funds the next day.

It’s only available to residents of 27 states, though. And how much you can borrow, fees and terms vary widely depending on where you live. To qualify, you must be at least 18 years old, a US citizen or permanent resident and have a steady income and checking account. It doesn’t fare as well on the App Store as Earnin, with customers rating it a 3.2 out of 5 stars.


  • Multiple types of financing.
  • Manage loans you already have.


  • More expensive than Earnin.
  • Lower customer ratings.
  • Not available in all states.

Employer-sponsored pay-advance apps

Some companies have started to offer employees an option to withdraw from the wages they’ve already earned before their paycheck is due. Typically, employers offer this as a benefit by signing on as a partner with an app that charges a monthly membership fee for its services. Some companies cover this fee, while others pass it on to their employees.

Pay-advance apps are more common for hourly employees in industries like retail and fast food, especially at big chains like Walmart and McDonald’s. Some companies that employ a lot of employees who rely on short-term loans have started to offer these advances as a benefit to attract more potential job applicants.


Calling itself a holistic financial wellness platform, PayActiv offers instant access to up to 50% of your earned wages with no interest to cover an emergency expense. You can also use the app to pay your bills, send money between bank accounts, set up savings goals and even score discounts on some prescription drugs. Rather than a monthly membership fee, it charges a one-time fee of $0 to $5 each time you use its pay-advance service.

PayActiv currently partners with businesses in:

  • Health care
  • Human resources
  • Education
  • Senior care
  • Retail
  • Restaurant
  • Manufacturing
  • Nonprofit
  • Telemarketing


Employers can offer DailyPay as an HR tech benefit to give employees access to their pay as it’s earned. Each hour you work is added to your advance credit, which you can draw from for a small fee, typically $2.99 for instant funding or $1.25 for next-day funding. When payday rolls around, DailyPay automatically deducts your advance from your bank account.

It currently partners with companies in the following industries:

  • Quick service restaurant
  • Transportation
  • Hospitality
  • Housekeeping
  • Health care
  • Restaurant
  • Hotel
  • Retail
  • Telemarketing
  • Finance
  • Amusement park


The FlexWage app gives you access to your earned wages by directly deducting them from your employer’s bank account for a $5 transfer fee. That way, you won’t have to make any repayments and there’s no interest charge. On top of this, FlexWage also issues a payroll card attached to a checking account that your employer can use to directly deposit your paycheck for faster access to your wages.

Unlike many other pay apps, FlexWage is tight-lipped about the businesses it partners with. Employers can find out if it’s a good fit for their business by reaching out to its sales team through an online form.

Want an installment loan instead? Compare top providers

If you want to borrow a larger amount up to $10,000 and possibly build your credit, an installment loan could be a suitable option.

Updated October 23rd, 2019
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
As soon as the next business day
Regular source of income received biweekly or semi-monthly, Missouri or Utah resident, checking account with automatic deposits, not a military service member
Borrow up to $1,200 — but only if you live in Missouri or Utah.
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
Same business day to 1 business days
Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
Get a flexible installment loan with fast funding through one easy online application form.
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
Varies by state
1 business day
Regular source of income, bank account, US citizen or permanent resident, ages 18+
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.

Compare up to 4 providers

Bottom line

Earnin isn’t the only pay-advance app that can help you cover emergency costs without a payday loan. Most of these apps allow you to get your paycheck early, and they don’t charge interest. They rely on small fees or monthly membership charges instead. Many even offer budgeting and savings tools to help you get your finances back on track.

You need to receive direct deposit to be eligible for most programs, though. And if you work irregular hours, it might be difficult to qualify.

To learn more about your cash advance options, read our guide to short-term loans.

Frequently asked questions

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

8 Responses

  1. 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 Customer Care
      fayemanuelAugust 5, 2019Staff

      Hi Codredo,

      Thanks for contacting Finder.

      You may be interest to invest with peer-to-peer lending. Peer-to-peer lending involves borrowing money from individual investors. Here are the requirements for some prominent P2P lenders:

      – SocietyOne: Need to be a sophisticated investor
      – RateSetter: Individuals over the age of 18 can lend from just $10
      – MoneyPlace: Currently need to be a wholesale or institutional investor, but retail investors are coming soon
      – Harmoney: Currently only sophisticated investors can apply, opening to retail investors soon
      – Marketlend: Open to retail investors

      More information from this page.

      Hope this helps.

      Kind Regards,

  2. Default Gravatar
    MiriamJuly 25, 2019

    Payday advance when receiving disability

    • Avatarfinder Customer Care
      nikkiangcoJuly 26, 2019Staff

      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!


  3. Default Gravatar
    VanJuly 7, 2019

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

    • Avatarfinder Customer Care
      JhezJuly 8, 2019Staff

      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.

      Additionally, please take a look at our 7 ways to increase your chances of being approved for a loan on this page. Please see the tips to improve your chances of approval. Hope this helps.


  4. 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 Customer Care
      MaiMay 15, 2019Staff

      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,

Go to site