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 up to $500 in a pay period. But you can only borrow against what you’re scheduled to earn.
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. And while Google Play and App Store customers give the Earnin app high marks, recent reviews show a pattern of complaints. Our top picks work similarly to Earnin — but may offer stronger perks, faster turnaround time or better meet your needs in general.
- If you want automatic advances: Brigit
- If you want to boost your credit: Possible
- If you want to avoid fees: Dave
- If you’re a frequent borrower: Vola Finance
- If you want to keep track of your finances: MoneyLion
- If you want zero-interest cash advances: Even
- If you want a full paycheck advance: B9
For automatic advances
Brigit is a no-frills app designed to help you avoid overdraft fees on your checking account. Unlike Earnin, the service costs
$9.99 per month, but offers up to
$250 per pay cycle with no interest or fees if you have an unexpected expense pop up. And while it takes up to two business days for a normal advance, Brigit can also monitor your bank account and automatically send an advance if you're at risk of an overdraft.
Pros
- Helps avoid overdrafts
- No-interest cash advance
- Credit builder program included in monthly fee
Cons
- $9.99 monthly subscription fee
- No additional financial tools
| Loan amount | Up to $250 |
|---|
| Interest rate type | Fixed |
|---|
| Loan Term | Varies |
|---|
| Turnaround time | 1 to 3 days or same-day in some circumstances |
|---|
| Loan amount | Up to $250 |
|---|
| Turnaround time | 1 to 3 days or same-day in some circumstances |
|---|
Go to site
For boosting your credit
Possible Finance Mobile Installment Loans
Possible Finance technically provides short-term loans — which means you can expect to pay anywhere from
$15 to $20 when you take out an advance. But unlike Earnin and other cash advance apps, it reports your payments to 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. So while it may be on the pricey end for frequent advances, it can be a useful tool if you want to avoid more expensive installment loan options.
- Available in: California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Oklahoma, 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 | Up to $500 |
|---|
| Interest rate type | Fixed |
|---|
| Loan Term | Up to 2 months |
|---|
| Turnaround time | As fast as 1 business day |
|---|
| Loan amount | Up to $500 |
|---|
| Turnaround time | As fast as 1 business day |
|---|
Go to site
For low fees
Dave is a banking app that also offers cash advances to help you avoid overdraft fees. It's a good 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. For just
$1 a month, Dave will advance eligible borrowers up to
$250 per pay period with a three business day turnaround. Same-day advances within eight hours start at
$2.49.
Pros
- Helps develop healthy spending habits
- No interest
Cons
- Turnaround up to three days
- Instant transfers cost $2.49 to $5.99
| Loan amount | Up to $250 |
|---|
| Interest rate type | Fixed |
|---|
| Loan Term | Varies |
|---|
| Turnaround time | Same business day to 3 business days |
|---|
| Loan amount | Up to $250 |
|---|
| Turnaround time | Same business day to 3 business days |
|---|
Read Review
For frequent borrowers
Unlike Earnin, Vola Finance requires a monthly membership fee, with its basic tier
starting at $2.99 — which may be expensive if you don't need frequent help. However, Vola is more than just a cash advance app. It monitors your finances and helps you avoid overdraft fees. And you won't need to work regular hours, either. As long as you maintain an average account balance
over $150, you may qualify for an advance.
Pros
- Tools to manage finances
- No regular work hours required
- Notifications for low account balance
Cons
- Membership tiers aren't transparent
- Minimum $150 average balance required
- Lower maximum advance
| Loan amount | Up to $300 |
|---|
| Interest rate type | Fixed |
|---|
| Loan Term | Varies |
|---|
| Turnaround time | As soon as same business day |
|---|
| Loan amount | Up to $300 |
|---|
| Turnaround time | As soon as same business day |
|---|
Read Review
For keeping track of 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. 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, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Mississippi, 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 amount | $25 - $250 |
|---|
| Interest rate type | Fixed |
|---|
| Loan Term | Varies |
|---|
| Turnaround time | 3 to 5 business days to external checking account, 12 to 48 hours to RoarMoney account |
|---|
| Loan amount | $25 - $250 |
|---|
| Turnaround time | 3 to 5 business days to external checking account, 12 to 48 hours to RoarMoney account |
|---|
Read Review
For zero-interest cash advances
Even is a budgeting app that also offers a free advance on wages you've already earned through its
Instapay feature. The service costs
$8 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.
Pros
- Instant funding available through Walmart
- Helps you stay on top of bills
Cons
- Available through select employers only
- $8 a month Plus membership required
- Advance limited to wages you've already earned
| Loan amount | 50% of paycheck |
|---|
| Interest rate type | Fixed |
|---|
| Loan Term | Varies |
|---|
| Turnaround time | Same day |
|---|
| Loan amount | 50% of paycheck |
|---|
| Turnaround time | Same day |
|---|
Read Review
For a full paycheck advance
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. There's no fee or option to tip 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, which isn't the cheapest option out there, but it may be worth it if you need larger advances sooner.
Pros
- Get up to 100% of your paycheck
- Advances available 15 days before paycheck
- No fee or tip per advance
Cons
- $9.99 monthly membership fee
- Not all borrowers will qualify for full advance
- Not ideal for occasional advances
| Loan amount | Up to 100% of your paycheck |
|---|
| Interest rate type | Fixed |
|---|
| Loan Term | Not Stated |
|---|
| Turnaround time | Instant |
|---|
| Loan amount | Up to 100% of your paycheck |
|---|
| Turnaround time | Instant |
|---|
Read Review
Our methodology: How we chose these apps
When choosing these cash advance apps, we considered each product’s fees, turnaround time, terms, financing options and perks. We also looked at customer reviews on sites such as the Better Business Bureau and Trustpilot to find out what was most important to them.
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.
PayActiv
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. Payactiv is free to use if you direct deposit your paycheck to a Payactiv card, but otherwise transfers cost $1 each, capped at $5 per pay period.
PayActiv currently partners with businesses in:
- Health care
- Human resources
- Education
- Senior care
- Retail
- Restaurant
- Manufacturing
- Nonprofit
- Telemarketing
DailyPay
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 $1.99 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
FlexWage
The FlexWage app gives you access to your earned wages by deducting them from your employer’s bank account and sending them to a reloadable Visa or Mastercard payroll debit card. That way, you don’t have to make repayments and there’s no interest charge. But early transfers cost $3 to $5.
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.
Payday and installment loans aren’t included as alternatives to Earnin on the list here, as they’re often predatory and come with super high interest rates — sometimes into the triple digits — which may hurt users as much as the advances help them.
Did you know?
- A typical $375 payday loan comes with $520 in fees because of repeat borrowing.
- The average APR on a payday loan can reach a shocking 650% in states with no protections against predatory short-term lenders.
- Most payday loan borrowers stay in debt for at least 11 months.
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.
Cash advance apps can’t help every borrower in every situation. You might also want to look into these alternatives:
- Alternative short-term lenders. Providers like LendUp offer short-term loans at a lower cost than payday lenders, with a chance to build your credit. But these can still be more expensive than a personal loan.
- CDFI Loans. Community Development Financial Institutions (CDFIs) are typically local banks or credit unions that can offer small-dollar short-term loans at a lower cost than payday lenders. These might have a longer turnaround but can be one of the cheapest options.
- Credit card cash advance. If you already have a credit card, you can withdraw a cash advance from an ATM in an emergency. Check your card’s cash advance rates first and have a plan to pay it off to avoid paying more than you need in interest.
- Installment loans. When you need more than you earned this month, installment loan providers typically offer loans from $1,000 to $10,000 — though they can be more costly than a cash advance app.
- Payday loans. When you’ve exhausted all other options, payday lenders can get you cash as soon as the same day. Make sure you work with a legit lender and compare providers to get the most affordable loan.
Compare our picks for the best payday loans and alternatives to explore more options.
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
Hi Codredo,
Thanks for contacting Finder.
It might interest you to invest in peer-to-peer lending. This type of 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
Hope this helps.
Kind Regards,
Faye
Payday advance when receiving disability
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
I have been turned down for every loan I apply for.
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 page on how to improve your chances of approval. Hope this helps.
Regards,
Jhezelyn
Where and how can I acquire $700-$1,400 in the next 48 hours for May’s and June’s rent?
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