Apps Like Earnin | 22 Earnin App Alternatives 2024

In the previous post, we make a comprehensive review of Earnin. Sometimes, Earnin can be a lifesaver as it offers a quick way to get an advance on your next paycheck without paying fixed fees. 

Then, any other apps like Earnin? Here are 22 finance and loan apps like Earnin for your consideration when you need money to cover a financial emergency. Read on and pick your favorite.

Apps Like Earnin

DISCLAIMER: This article is intended for general informational purposes only and does not address individual circumstances. It is not a substitute for professional advice or help and should not be relied on to make decisions of any kind. Any action you take upon the information presented in this article is strictly at your own risk and responsibility!

1.   Dave

Like Earnin, Dave offers cash advances as well as no-fee checking accounts. Also, this app help users manage their bills by analyzing their spending and altering you to help you avoid overdraft fees.

Its advances are only for $100 or less and there is a minimal monthly membership fee of $1. But if you link your debit card to the app and use it to make purchases at qualifying partner locations, you earn credit to offset the fee.

Dave App

2.   MoneyLion

Another app like Earnin that offer cash advances is MoneyLion. It goes far beyond Earnin, offering a no-fee checking account, 0% APR cash advances, credit monitoring and even credit-builder loans of up to $500 starting at 5.99% APR.

Its Instacash feature lets you borrow up to $250 of your next paycheck with no interest and no credit check.

3.   Brigit

Brigit offers advances between $80 and $250, depending on an individual’s needs and ability to repay. Instead of charging interest, it charges a monthly subscription fee – $9.99 per month.

The app also monitors linked banked accounts. If the app’s algorithm detects that an account is nearing an overdraft, it will automatically lend up to $250 to avoid it.

Brigit App

4.   Even

Even App defines itself as a platform that helps “people turn their paycheck into progress.” 

Even was founded in 2015 and is based in Oakland, California. It has an A- rating with the BBB and is backed by the founders of Instagram and Venmo, and top executives at Square, Amazon and Twitter.

If an employer signs up for Even, all employees can access its benefits, including early access to up to 50% of their earnings as they work hours. Even also offers planning for spending, saving, and empowering employees financially.

All of Even’s payday advances are interest-free, but the service itself charges an $8 monthly fee.

5.   Possible Finance

Possible Finance is an app that offers short-term installment loans of up to $500. Rates vary by state, though you’ll likely be charged around $15 or $20 per $100 borrowed. This works out to an APR of around 91% or 122%.

Unlike Earnin and other pay 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.

Possible Finance

6.   Chime

If you’re looking for an online-only bank with no hidden fees, early direct deposit and fee-free overdrafts, you might want to give Chime a chance.

Chime does not provide paycheck advances in the same manner as Brigit and Earnin. Instead, the online bank account offers access to your pay faster. With most financial institutions, you have to wait two to three days to access your pay. With Chime, if you have the direct deposit account, you will access your funds the moment your employer deposits into the account.

7.   Vola Finance

Designed specifically for college students, Vola offers loans ranging from $50 to $500. To apply, all you need is a checking account that accepts ACH transfers.

You’ll need to pay a membership fee to get an advance from Vola Finance — and membership costs at least $4.99 per month. 

 And while many of the financial tools and account monitoring features are the same, Vola 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.

8.   PayActiv

PayActiv app is not your everyday loan provider. It is a financial technology platform working in partnership with employers to provide access to wages. You can access up to 50% of earned wages from the app long before payday and only pay a maximum of $5 for the service.

Also, PayActiv offers financial coaching for employees. It has tools to help you track your spending, make a budget, automate your savings, set up direct deposit at your bank, and pay bills automatically. It also has free credit counseling to help you reduce debt payments.

Note: Employees can only access the service if employers sign up.

PayActiv app

9.   FlexWage

The FlexWage app for employers works a little differently from PayActiv. When you sign up for the app as an employee, you receive a reloadable debit card for your wages, which takes the place of a paper paycheck. This can be helpful for workers who are unbanked and can’t accept direct deposit.

If you need money before payday arrives, the OnDemand Pay feature lets you request an advance. However, it’s up to your employer to decide how often that feature is available and what the limit on the advance is. The fee you pay for this service also varies by employer.

10. DailyPay

Rather than marketing to consumers, DailyPay starts with marketing to employers. However, the app works similar to Earnin. Employees build a balance with each hour they work. They can then tap into that balance before payday if they need access to cash.

DailyPay puts the money into the bank, and then, on payday, the amount already cashed out is taken from the paycheck. DailyPay charges a fee to transfer money from your hours-worked balance into your bank, though. However, it’s a low $1.25 per transfer.

11. Branch

Branch is another payday advance app designed mainly for employers. It helps keep track of the staff: who is sick, who is on vacation, and who is working which shift. It also allows workers to request time off, swap shifts, and receive schedule reminders.

For employees, Branch offers financial tools to get ahead. You can get up to $150 per day and a maximum of $500 per pay period (additional $3.99 or $4.99 instant approval fee). But you can always opt for the standard advance — which has no fee — and Branch says you may receive your money within three business days.

The Branch app is available only to people who work in traditional offices. So remote employees aren’t eligible to use Pay. 

12. SpeedyCash

Speedy Cash has been one of America’s foremost payday, installment, and title lenders since they were founded in 1997. 

Its greatest selling point yet is the app’s extended loan limit and an equally attractive loan repayment period. However, Speedy Cash interest rates and phrases fluctuate depending on the loan product you choose, the place you live, your earnings, and your credit historical past. Loan APR ranges from 5.36% to 420%.

Currently, Speedy Cash loans are available in 27 out of 50 states, mostly on the west side of the United States. 

13. Rainy Day Lending

Rainy Day isn’t a lender, and it doesn’t offer wage advances. Instead, it is one of the few lenders online that can provide personal loans and cash advances for as little as $200 or as much as $2,500. APRs vary from 200% t0 2290% according to the loan that you’re matched up with.

14. Viva Payday Loans 

Customers can turn to Viva Payday Loan to get a loan of $100 to $5,000, with the loan terms varying between 16 days to 1 year.

For Viva Payday Loan, the APR is between 5.99% and 35.99%, which translates to between $6 and $36 for every $100 borrowed depending on how long you hold it.

15. CashNetUSA

CashNetUSA is among the top-rated apps on both iOS and Android platforms. The lender is part of the publicly trading blue-chip company, Enova International group, which also owns other Payday loan lenders like Headway Capital, NetCredit, On Stride Financial, and QuickQuid.

The lender allows you to borrow from $100 to $3,000, depending on your state of residence. And you don’t have to worry about your credit score because it accepts a score as low as 300.

However, it will cost you from $10 to $45 for every $100 you borrow, which means the APR ranges from 205 to 800%.


16. LendUp

LendUp app provides an easy to apply payday loan of between $100 and $600. However, first-timers can only borrow up to $250, which is suitable for responsible lending.

All you have to do is create your account and provide your details, including your social security number and driver’s license number.

The interest rates available to you depend on factors like your credit score, the amount you borrow, and how long you take to settle it. But it can often exceed 1,000% APR.

17. ACE Cash Express Mobile Loans

ACE Cash Express Mobile Loans not only offers payday loans but also works different stores where it allows you to get the items you need, but it pays on your behalf. It is a simple and fast-working application that will rid you of the necessity to wait for the next salary to buy something you really need.

Ace Cash App is one of the few payday loans that help you build your credit history. Besides, you can change your mind within 72 hours of taking the loan and return the funds without suffering any consequence.

18. Fast Cash Advance Payday Loan App

This U.S-based payday app aims to live up to its name by providing easily accessible payday loans in a speedy and timely manner. It provides fast approvals and instant notification on whether the loan application has been approved or not. It means that the applicant will know whether they are approved or not within a few minutes after submitting their application.

It has a high loan limit since users can get as much as $15,000, but the loans are only accessible to U.S citizens.

19.  Rise Loans

It is considered one of the best payday loan apps as far as the flexibility of repayments is concerned. It also offers a higher limit than most of the short-term loan services out considering that its loan ceiling is set at $5,000. The APR is set at 299%.

20. FundsJoy

FundsJoy extends you a loan of up to $5,000 with an APR of as little as 4.99%. You must have a regular income, which requires you to provide proof of employment. Also, while you don’t need to have a stellar credit score, it is necessary to enjoy the low rates. Otherwise, the APR can be as high as 1386%; it is down to your creditworthiness.

21. Check Into Cash

Do you want to borrow as little as $50 and up to $1,000? Check Into Cash is your best shot. Besides payday loans, it also offers title loans, installment loans, lines of credit, and flex loans.

For online applications, the drill is the same. Submit your details through the app, and wait for Check Into Cash to process your request. In case you are approved, the lender will reach through the contacts you provided. However, you’ll have to wait up to 48 hours to receive the money.

Although Check In Cash has a reasonable APR, the 390% is still on the higher side.

22. LoanSolo

Similar to Rainy Day Lending, LoanSolo connects you with lenders willing to work with you. It’s possible to get cash fast, directly into your bank account, without a lot of hassle or expense.

LoanSolo offers up to $1,000 for payday cash advances and up to $3,000 for personal loans. The APRs are variable based on the lender and on your credit factors. However, if you need to bridge a gap or get ahead, it can still be cheaper than paying the super-high charges associated with payday lending.


When choosing these pay advance apps like Earnin, you should consider each product’s fees, turnaround time, terms, financing options and perks. Also, you can have looked at customer reviews on sites such as the Better Business Bureau and Trustpilot to find out what was most important to them.

Getting an online payday advance through an app can be less costly than taking out a payday loan, cash advance, or paying overdraft fees. However, pay attention to the APRs. With interest above 200% APR–some even going above 600% APR – payday loans are expensive.

Which is the best Earnin app alternative you like? Tell us in the comments.

  • Lois
  • I'm Lois, the creator of I hope this website can help people easily discover useful apps and software. If you want to get your app in front of the right audience, you can contact us. Or if you want to introduce some cool apps to more people, you can write for us.

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