These cash advance apps help employees access their earned wages when needed. This allows for flexibility and peace of mind to meet obligations without waiting for payday.
8 cash advance apps that work with ADP
In an era where 48% of consumers report they’re more likely to stay with their employer due to cash advance apps like DailyPay, we broke down a total of seven cash advance apps that work with ADP.(1)
If you're a Chime account holder, SpotMe is a no-fee service that allows you to overdraft your Chime Spending account up to $200 on purchases and ATM withdrawals. To qualify for SpotMe, you need to have at least $200 direct deposited into your Chime checking account every month.
SpotMe limits start at just $20, but with regular direct deposits and a positive account history, this limit can increase to $200 over time. And if you receive your paycheck via direct deposit to your Chime Checking Account, you can get paid up to two days early.
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
Bill payments, Venmo and Pay Anyone not covered
Save on overdraft fees
Cons
Overdraft limits start at $20
Must use with Chime Checking account and debit card
Brigit differentiates itself as a comprehensive financial wellness app that offers more than just cash advances. Alongside interest-free cash advances of up to $250 without credit checks, Brigit has a suite of financial tools, including budgeting assistance, credit building, side gigs, discounts and overdraft protection, as well as $1M in identity theft insurance. Plus, you can extend payment due dates up to three times, making it a useful tool if you need payment flexibility.
Brigit's focus on financial wellness and budgeting tools can complement the financial management needs of ADP users, making it a valuable addition to their financial toolkit. It's important to note that while the basic membership to Brigit is free, access to the cash advance feature requires a monthly subscription fee of $8.99 to $14.99 monthly membership fee for Brigit Plus.
Loan amount
$50 - $250
Turnaround time
2 to 3 business days or instant with a Premium subscription or for a fee.
Brigit differentiates itself as a comprehensive financial wellness app that offers more than just cash advances. Alongside interest-free cash advances of up to $250 without credit checks, Brigit has a suite of financial tools, including budgeting assistance, credit building, side gigs, discounts and overdraft protection, as well as $1M in identity theft insurance. Plus, you can extend payment due dates up to three times, making it a useful tool if you need payment flexibility.
Brigit's focus on financial wellness and budgeting tools can complement the financial management needs of ADP users, making it a valuable addition to their financial toolkit. It's important to note that while the basic membership to Brigit is free, access to the cash advance feature requires a monthly subscription fee of $8.99 to $14.99 monthly membership fee for Brigit Plus.
Pros
Suite of personal finance tools
No late fees or tipping
Overdraft notifications included
Cons
$8.99 to $14.99 monthly membership fee subscription fee for Brigit Plus to access cash advance feature
Takes up to three business days to get cash without paying fee
Need three recurring deposits from same source
One advance at a time unless previous advance is paid
Loan amount
$50 to $250
Loan Term
Varies
Turnaround time
2 to 3 business days or instant with a Premium subscription or for a fee.
Loan amount
$50 - $250
Turnaround time
2 to 3 business days or instant with a Premium subscription or for a fee.
Wisely by ADP offers early wage access, a digital banking alternative and cashback rewards. The platform offers a Wisely Pay Visa or Mastercard, issued by Fifth Third Bank, N.A. or Pathward. The company also offers transparent fee structures and has a friendly interface to accommodate less digital-savvy users.
Loan amount
Undisclosed, based on earned wages
Turnaround time
Instant to Wisely card
Wisely by ADP offers early wage access, a digital banking alternative and cashback rewards. The platform offers a Wisely Pay Visa or Mastercard, issued by Fifth Third Bank, N.A. or Pathward. The company also offers transparent fee structures and has a friendly interface to accommodate less digital-savvy users.
Pros
Cashback rewards when shopping
No annual, minimum balance or overdraft fees
Easy way to send money to family and friends with MoneyPak service
Can link card to peer-to-peer service like Venmo
Cons
Inactivity fees of up to $4 after 90 days of not using app
MoneyLion's Instacash feature allows existing customers to access cash advances of up to $500, with the flexibility to extend the repayment date and no mandatory fees. However, getting your advance may take a few days or more, and they are distributed in up to $100 increments. Unlike some competitors, MoneyLion doesn't charge overdraft fees and provides the option to extend the repayment date, making it a convenient option for covering one-time emergency expenses.
Loan amount
$50 - $500
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
Costs
$19.99 monthly fee if you have a Plus membership
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
MoneyLion's Instacash feature allows existing customers to access cash advances of up to $500, with the flexibility to extend the repayment date and no mandatory fees. However, getting your advance may take a few days or more, and they are distributed in up to $100 increments. Unlike some competitors, MoneyLion doesn't charge overdraft fees and provides the option to extend the repayment date, making it a convenient option for covering one-time emergency expenses.
Pros
No overdraft fees
Option to extend repayment date
Cash advances up to $500, larger than some competitors
Cons
Funds can take up to 5 days unless you pay a fee
Your bank account must have a positive balance and be at least two months old
Need to pay Free (or $1 to $5 for RoarMoney account) a month to unlock $700 in InstaCash
Loan amount
Up to $500 or $1,000 with RoarMoney account
Loan Term
Due by your next pay date
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
Loan amount
$50 - $500
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
DailyPay is an on-demand app that works with ADP to provide employees with earned wage access. Employees no longer need to consult with their employer to tap into their income when sensitive financial situations arise. DailyPay reports that 52% of users have an improved opinion of their employer after using the app.
Loan amount
Up to 100% of earned wages, $1,000 daily limit
Turnaround time
Next business day or instant with a DailyPay card or for a fee
Available in all states
DailyPay is an on-demand app that works with ADP to provide employees with earned wage access. Employees no longer need to consult with their employer to tap into their income when sensitive financial situations arise. DailyPay reports that 52% of users have an improved opinion of their employer after using the app.
Pros
Prevents employees from using predatory loans
You can transfer up to 5 times in a single day
You can access up to $1000 in a single day, more than other competitors
Cons
Can only access if employer has partnership with DailyPay
There is a $3.49 or less cost for same-day instant transfers
Most overtime and holiday pay isn't available for instant transfers
A $1.99 fee for next-day transfers
Loan amount
Up to 100% of earned wages, $1,000 daily limit
Loan Term
Not stated
Turnaround time
Next business day or instant with a DailyPay card or for a fee
Loan amount
Up to 100% of earned wages, $1,000 daily limit
Turnaround time
Next business day or instant with a DailyPay card or for a fee
ZayZoon allows employees to access their earned wages before the scheduled payday, aiming to promote financial wellness and responsible spending. The app also offers customer service support even on the weekends if users have questions. ZayZoon's service can help prevent the need for predatory payday loans, potentially saving users a significant amount annually. While providing instant access to earned wages, the app does have a cost for instant transfers and may have limitations on the availability of certain types of pay for instant transfer, such as holiday pay.
Loan amount
Up to $1,000
Turnaround time
Instantly or next business day if transfer is after 5:30 p.m. ET
ZayZoon allows employees to access their earned wages before the scheduled payday, aiming to promote financial wellness and responsible spending. The app also offers customer service support even on the weekends if users have questions. ZayZoon's service can help prevent the need for predatory payday loans, potentially saving users a significant amount annually. While providing instant access to earned wages, the app does have a cost for instant transfers and may have limitations on the availability of certain types of pay for instant transfer, such as holiday pay.
Pros
Receive $30 each time you share ZayZoon with a coworker
No interest fees but a small $5 fee per payout up to $200
Customer service support available via chat and email on weekends
Cons
Only accessible through employer
One $200 transactional limit per day allowed
There is a maximum $1,000 amount available for transfers for each pay cycle
Loan amount
Up to $1,000
Loan Term
Not Applicable
Turnaround time
Instantly or next business day if transfer is after 5:30 p.m. ET
Loan amount
Up to $1,000
Turnaround time
Instantly or next business day if transfer is after 5:30 p.m. ET
Best for No Fees
Instant Financial
The Instant Financial app competes with DailyPay and ZayZoon by offering free daily access to earned wages and tips for verified employees, enabling in-store and online purchases, ATM cash withdrawals and bank account transfers. However, Instant Financial is only available at employers offering the service, and its usage details may vary depending on the employer's arrangement with Instant Financial.
Loan amount
50% of your earned income
Turnaround time
1 to 2 days
The Instant Financial app competes with DailyPay and ZayZoon by offering free daily access to earned wages and tips for verified employees, enabling in-store and online purchases, ATM cash withdrawals and bank account transfers. However, Instant Financial is only available at employers offering the service, and its usage details may vary depending on the employer's arrangement with Instant Financial.
Pros
No fees for transferring funds
Built-in financial tools to track spending habits
Strong reputation with clients such as hospitality, manufacturing and healthcare
Cons
Only accessible through employer
Can only use Visa InstantCard provided at select 37,000 ATMS
Payactiv sets itself apart from competitors by offering a holistic financial wellness platform that includes banking products, savings and a suite of services to promote both employee and employer financial well-being. Payactiv's focus on a wide range of financial services, including low-cost advances on paychecks with no bank account required, secure bill payment and financial insights, differentiates itself from its peers. Payactiv's approach to employee wellness includes access to earned wages, safe-to-spend guidance, goal-based savings and exclusive discounts.
Loan amount
$200 minimum per pay period or 50% of earned wages, whichever is greater
Turnaround time
Within 1 to 3 or days or instant onto Payactiv card or for a fee
Available in all states
Payactiv sets itself apart from competitors by offering a holistic financial wellness platform that includes banking products, savings and a suite of services to promote both employee and employer financial well-being. Payactiv's focus on a wide range of financial services, including low-cost advances on paychecks with no bank account required, secure bill payment and financial insights, differentiates itself from its peers. Payactiv's approach to employee wellness includes access to earned wages, safe-to-spend guidance, goal-based savings and exclusive discounts.
Pros
No bank account required
Instant financing available
App comes with a suite of financial education apps that promote financial coaching, discounts and goal-based saving
Cons
Only accessible through employer
Payactive Visa Card Limited to 37,000 ATMs
Deposits may take up to 2 days
$1.99 fee if don't want direct deposit
Loan amount
$200 minimum per pay period or 50% of earned wages, whichever is greater
Loan Term
Not Applicable
Turnaround time
Within 1 to 3 or days or instant onto Payactiv card or for a fee
Loan amount
$200 minimum per pay period or 50% of earned wages, whichever is greater
Turnaround time
Within 1 to 3 or days or instant onto Payactiv card or for a fee
We evaluated various pay advance apps compatible with ADP, comparing loan amounts, turnaround times, fees and eligibility.
Does my cash advance app work with ADP
If you have a favorite app that didn’t make our list, it might still work with ADP. Take a look at our table to see which cash advance, payday loan and installment loan apps will or won’t work with the app.
If you’re thinking of using apps compatible with ADP’s earned wage access feature, it’s important to know the pros and cons. ADP’s earned wage access feature offers a quick way to tap into your income when you need it without asking your supervisor. As long as you have an active ADP account and a direct deposit account, you’re good to go.
However, only some cash advance apps are compatible with ADP. If you’re looking for something compatible with all cash advance apps, research other options. For instance, popular cash advance apps such as Chime, which has free overdraft protection, aren’t connected with ADP yet.
Pros and Cons of ADP Earned Wage Access
Pros
Integrations provide employees with faster access to earned wages — some apps offer payments within minutes
Can improve employee recruitment and retention
Offers flexible pay structures
No need for third-party approval if you have an ADP account
Cons
Not all cash advance apps have an ADP integration yet
Some apps may result in fees for employees, which reduces earned wage
Alternatives to Cash Advance Apps for ADP customers
If you’re an ADP Earned Wage Access user or are considering all your options, choose apps that align with your financial needs. If you prefer other cash advance apps that aren’t in partnership with ADP, you’ll find the technology restrictive.
Here are some alternatives that may work for you instead:
Credit union or bank loans: You can consider having a membership in your local credit union or bank to meet short-term funding needs. These institutions, especially credit unions, usually offer lower interest rates than cash advance apps.
Local resources: If you need financial assistance, check your local government to see which programs they offer to help you cover food, utilities and rent during difficult times.
Financial counseling: Sometimes, you may want to seek a third-party financial counselor to help create a sustainable budget that supports your basic needs and lifestyle. An outside eye may help you find opportunities for better spending and long-term financial success.
These cash advance apps, in partnership with ADP, aren’t your only route to getting funds ahead of pay day. Check out other cash advance apps or payday loan alternatives before you decide.
Dhara Singh was a freelance personal finance writer at Finder specializing in loans. Formerly she was a top 10 journalist at Yahoo Finance with more than 38+ million content views where she covered retirement and mortgages. She has also written for Bankrate, and CNET and continues to write for a variety of outlets, such as Investopedia and Worth magazine. Her articles focus on equipping readers with the right information and data so they can make the most informed decisions related to their finances.
Dhara previously worked as an insights analyst for Finder’s PR team, where she started the Deadliest Cities to Drive series in 2018, connecting interesting data analysis to a suite of car insurance products. When she’s not writing, Dhara coaches small business owners through her Stories to Sales programs and empowers them to use their life experiences to help other people. She has also self-published a poetry book on Amazon called Tell her She’s Lovely.
Dhara holds a B.S. in Finance and Supply Chain Management from Rutgers University and a M.S. in Journalism from Columbia University. See full bio
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