Apps like Even

Like Even, Chime allows you to access your paycheck up to two days early, but Chime's SpotMe feature can also keep you from overdrawing your account, all without Even's monthly membership fee. SpotMe is a no-fee overdraft protection service 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 protection.

• Available in all states

Albert doesn't require its users to have a paid membership to access cash advances. You can get cash advances up to $250, and you even be eligible for multiple advances per pay period if you maintain a good repayment history. There are no interest charges, late fees or tipping requirements. If you need instant delivery, you can pay a small fee of $6.

The paid membership Genius for $8 per month is completely optional, but it does offer additional benefits such as free instant delivery for cash advances and access to investing features. However, Albert automatically enrolls new users in the paid membership for a 30-day free trial. If you don't cancel the membership once the trial ends, it automatically charges you $96 — the yearly payment for the Genius membership. Most of Albert's reviews are negative, with nearly all about being automatically charged the yearly membership fee.

• Available in all states

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 Even, 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 Even at $9.99 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 $9.99 membership fee, cite issues canceling membership, and overall, report poor customer support and service. You can only contact Brigit via email or chat.

• Available in all states

MoneyLion is a financial technology app that offers a number of free features, including access to an advance of up to $500 per pay period, based on your recurring deposits. While you're required to have a MoneyLion checking account to qualify for an advance, it won't cost you anything to sign up.

Cash advance amounts can be increased to $700 if you set up your direct deposit to a MoneyLion RoarMoney Account. And if you're signed up for the Credit Builder membership, you may be able to unlock advances as high as $1,000 — but you'll have to pay a membership fee of $19.99 per month.

But customer reviews tend to run negative. Also, there are multiple membership tiers and costs, and the benefits of each tier are difficult to sort through. It's not immediately clear what the differences are between each paid membership.

• 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

Possible Finance isn't a cash advance app like Even, 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 don't have interest, but you're likely to be charged around $15 to $20 per every $100 borrowed. Exact costs and loan amounts vary by state, but in some cases, you may have to plan for a 460% APR. Most states have a maximum loan amount of $500, and its installment loans are available in 16 states.

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.

• Available in: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Louisiana, Michigan, Missouri, Ohio, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington

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 $200 — 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.

• Available in all states

Earnin (formally Achieve Hours) is well-suited for hourly workers and lets you borrow up to $100 per day or $750 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 Even, 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.

• Available in all states