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.
7 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)
Best for due date extensions: Brigit
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 for Brigit Plus.
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Pros
- Suite of personal finance tools
- No late fees or tipping
- Overdraft notifications included
Cons
- $9.99 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
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| Loan amount | Up to $250 |
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| Loan Term | Varies |
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| Turnaround time | 1 to 3 business days or instantly with a fee |
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| Loan amount | $50 - $250 |
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| Turnaround time | 1 to 3 business days or instantly with a fee |
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| Costs | $8.99 monthly membership fee, up to $3.99 in express fees |
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Best for a traditional banking experience: MoneyLion
MoneyLion Instacash advances
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.
- 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
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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 $19.99 a month to unlock $700 in InstaCash
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| Loan amount | Up to $500 or $1,000 with RoarMoney account |
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| Loan Term | Due by your next pay date |
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| Turnaround time | Up to 5 days or instant for a fee of $0.49 to $8.99 |
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| Loan amount | $50 - $500 |
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| Turnaround time | Up to 5 days or instant for a fee of $0.49 to $8.99 |
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| Costs | $29 monthly fee if you have a Plus membership |
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Best for receiving 100% of income: DailyPay
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.
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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
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| Loan amount | 100% of your earned income, $1,000 limit per day |
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| Loan Term | Not stated |
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| Turnaround time | Instant or next business day |
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| Loan amount | 100% of your earned income, $1,000 limit per day |
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| Turnaround time | Instant or next business day |
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Best for Customer Service: ZayZoon
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.
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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
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| Loan amount | Up to $1,000 |
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| Loan Term | Not Applicable |
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| Turnaround time | Instantly or next business day if transfer is after 5:30 p.m. ET |
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| Loan amount | Up to $1,000 |
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| Turnaround time | Instantly or next business day if transfer is after 5:30 p.m. ET |
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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.
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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
- No overdraft protection
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| Loan amount | $2,500 to $10,000 |
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| Loan Term | Not Applicable |
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| Turnaround time | 1 to 2 days |
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| Loan amount | $2,500 - $10,000 |
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| Turnaround time | 1 to 2 days |
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Best for Complete Financial Wellness: Payactive
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.
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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
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| Loan amount | $200 minimum per pay period or 50% of earned wages, whichever is greater |
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| Loan Term | Not Applicable |
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| Turnaround time | Instant to a Payactiv card, otherwise up to 48 hours |
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| Loan amount | $200 minimum per pay period or 50% of earned wages, whichever is greater |
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| Turnaround time | Instant to a Payactiv card, otherwise up to 48 hours |
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Best for Companies of all Sizes: Wisely by ADP
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.
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Pros
- Cash back 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 $4.00 after 90 days of not using app
- Can take up to 3 days to transfer funds to bank
- Only primary member can transfer funds to card
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| Loan amount | $0 to $10,000 |
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| Loan Term | Not Applicable |
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| Turnaround time | Up to 3 Days |
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| Loan amount | $0 to $10,000 |
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| Turnaround time | Up to 3 Days |
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How we chose these providers
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.
| Advance America | Payday loan | | |
| Albert | Cash advance | | |
| Branch | Cash advance | | |
| Brigit | Cash advance | | |
| Cash App | Cash advance | | |
| CashNetUSA | Payday loan | | |
| Cleo | Cash advance | | |
| Dave | Cash advance | | |
| Earnin | Cash advance | | |
| Empower | Cash advance | | |
| Float Me | Cash advance | | |
| Gerald | Cash advance | | |
| Grid | Cash advance | | |
| Klover | Cash advance | | |
| Lendup | Connection service | | |
| MoneyLion | Cash advance | | |
| Money Mutual | Payday loan | | |
| OppLoans | Installment loan | | |
| Possible Finance | Installment loan | | |
| Spotloan | Installment loan | | |
| Varo | Cash advance | | |
| Vola | Cash advance | | |
Should I stick with ADP?
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.
