Apps Like Earnin

11 Cash Advance Apps Like Earnin to Weather Financial Storms (2023)

In today’s fast-paced world, unexpected expenses can put a strain on your finances. Luckily, cash advance apps like Earnin have emerged as convenient and accessible solutions for those moments when you need some extra cash before payday.

With an array of alternative options like Dave, Chime, Brigit, and MoneyLion offering similar features and benefits, it’s essential to explore these platforms to help you make informed decisions about managing your money.

📢 Key Takeaways
Short on time? Here’s what you need to understand from this article:
  • Cash advance apps like Earnin offer a convenient and accessible solution for those who need extra cash before payday, with alternatives like Brigit, Chime, Dave, Empower, and Kora offering similar features.
  • Applying for a cash advance from these apps is user-friendly and typically requires linking your primary bank account where direct deposits are received.
  • Most of these apps provide users with access to instant funds up to $250 or $500, depending on your chosen app. However, it’s always important to read the terms and conditions carefully before using any financial technology company’s services to avoid hidden fees or risks.

11 Best Similar Apps Like EarnIn

Here are 11 alternative cash advance apps like EarnIn, including Albert, Brigit, Chime, Dave, FloatMe, Empower, Kora, PockBox, Green Dollar Loans, Low Credit Finance, and Viva Payday Loans.

If you are a Chime user, you may want to look at our list of apps like EarnIn that work with Chime below.

1. Albert – Best for Instant Cash Advances Up to $250!


Albert is a financial app that helps you with budgeting and saving and offers instant cash advances for unexpected situations. With Albert’s SpotMe feature, users can receive up to a $250 cash advance without the need for a credit check or paying interest.

The process of requesting a direct deposit for a cash advance from Albert is simple and user-friendly. First, you’ll need to sign up for an account and link your primary bank account where your direct deposits are received.

Once your account is verified, you can request the desired loan amount within the app’s borrowing limits based on your qualifying direct deposit history. The requested loan funds will then be transferred to your linked bank account almost instantly – giving you immediate access to cover any urgent expenses or prevent overdraft fees.

2. Dave – Best for Large Advances Without Fees

Dave App

Dave is one of the top cash advance apps like Earnin, offering users an easy way to access their paycheck funds early without credit checks or hidden monthly fees either. With Dave, you can borrow money of up to $100 when you need it and pay back when your next paycheck arrives.

The app also has a feature that alerts users about upcoming bills and potential overdraft fees, helping them avoid unnecessary expenses.

I personally love using Dave because it’s user-friendly and provides me with immediate access to my funds during emergencies or unexpected expenses. It’s also helpful that the app sends notifications about upcoming bills and alerts me if I’m at risk of overdrawing my account.

3. Brigit – Best for Avoiding Overdrafts with Advances

Brigit App

As a top cash advance app like Earnin, Brigit offers instant access to funds when you need them the most. With the ability to borrow up to $250 instantly, this app can be a lifesaver for those facing unexpected expenses or needing help with budgeting throughout the month.

One example of how Brigit assists in financial health is by offering personalized notifications to alert you when your account balance gets too low or if an upcoming bill could cause an overdraft.

This proactive approach helps you stay on top of your finances and avoid costly fees while managing money effectively.

4. Chime – Best for Fee-Free Banking and Early Pay


Chime is a financial technology company that offers an innovative cash advance app, which can be a great alternative to Earnin.

One of the reasons why Chime stands out among other cash advance apps like Earnin is its early paycheck access feature. With qualifying direct deposits, you can get your salary up to 2 days earlier than your usual pay period or payday.

Besides that, Chime also offers both overdraft protection and fee protection through its SpotMe feature that allows eligible members to make debit card purchases without incurring additional charges even if their account goes negative.

5. FloatMe – Best for Small Cash Advances with Accurate Payday Coordination


I personally love using FloatMe as a cash advance app. It’s easy to use and offers small cash advances between paychecks, which can be a lifesaver when unexpected expenses pop up.

However, some users may prefer cash advance apps like Earnin that offer higher limits if they need a larger amount of money before their next paycheck. Regardless of your preference, it’s important to remember that cash advance apps should only be used for emergencies and not as a long-term solution.

6. Empower – Best for Cash Advances Up to $250 with No Credit Check


As someone who has tried out a variety of cash advance apps, Empower is one that I have found to be particularly helpful. This app provides quick access to cash through its Cash Advance feature, which allows users to borrow up to $250 from their next paycheck.

But Empower doesn’t just stop at providing cash advances. The app also offers other useful financial tools, including an AI-powered budgeting feature that categorizes your expenses and gives personalized insights on where you can save money.

However, it’s important to note that, like most other cash advance apps, Empower comes with high-interest rates and potential risks if you’re not careful about borrowing responsibly.

7. Kora

Kora is a cash advance app that provides users with up to $500 in advances before their next payday. The app offers no-fee advances and only charges interest if users choose to tip for the service.

One unique feature of Kora is its credit-builder program, which allows users to improve their credit scores by reporting on-time payments to the major credit bureaus. In addition, the app offers budgeting and financial planning tools to help users manage their finances and save money.

8. PockBox

PockBox is a cash advance app that offers fast and easy access to short-term loans. It’s one of the top 11 cash advance apps like Earnin, making it a great alternative for those who are looking for quick cash without having to undergo credit checks or wait until payday.

To use PockBox, all you need is an active checking account and a qualifying direct deposit. You can borrow up to $2,500 instantly with no hidden fees or minimum balance requirements.

Additionally, PockBox reports your timely payments to the three major credit bureaus, which can help improve your credit score over time.

9. Green Dollar Loans

I have found Green Dollar Loans to be another cash advance app like Earnin that offers quick access to funds. They allow eligible borrowers to borrow up to $1,000 with a repayment term of up to three months.

As with other apps like this, they offer an alternative to payday loans and their high-interest rates.

One unique aspect of Green Dollar Loans is its own credit builder loan program. By making timely payments on the loan, borrowers can improve their credit score over time. This feature could be especially useful for those looking to rebuild or establish their credit history.

10. Low Credit Finance

Low Credit Finance is one of the best cash advance apps, that offer a quick and easy way to access funds. It caters to individuals with poor credit scores who are unable to secure loans from traditional lenders.

Low Credit Finance provides short-term loans ranging from $100-$5,000, which can be accessed via direct deposit into a checking account.

One major benefit of the Low Credit Finance app is its no-credit-check policy, allowing people with bad credit or no credit history to qualify for loans. However, it’s important to understand the risks of taking out such loans for bad credit borrowers, as they could lead to a cycle of debt if not managed properly.

11. Viva Payday Loans

When looking for cash advance apps like Earnin, one option to consider is Viva Payday Loans. It has a simple and straightforward online application process that allows borrowers to apply for up to $5,000 in just minutes.

What sets Viva Payday Loans apart is its quick approval process of as little as two minutes, making it one of the faster options for getting instant cash when needed. Additionally, the platform offers credit builder loans designed specifically for those with poor credit history who want to rebuild their credit score over time.

Apps Like EarnIn that Work with Chime

There are several apps like EarnIn that work with Chime, allowing you to access funds before your next paycheck. Here are the top cash advance apps compatible with Chime:

  1. Albert: Offers banking, budgeting, saving, and investing features, with cash advances up to $250.
  2. Dave: Provides cash advances up to $500 for a flat fee of $1 per month.
  3. Branch: Offers cash advances up to $500.
  4. Klover: Provides cash advances up to $100.
  5. Empower: Offers cash advances up to $250.
  6. MoneyLion: Provides cash advances up to $250.
  7. Cleo: Offers cash advances up to $100.
  8. Varo: Provides cash advances, but the amount is not specified.
  9. Earnin: Offers cash advances up to $100 per day.

Keep in mind that each app has its own unique features, limits, eligibility requirements, and fees. It’s essential to understand the terms and conditions before enrolling with any of these apps. Additionally, Chime has its own advance program called SpotMe, which offers overdraft protection up to $200.

My Experience with Apps like Earnin

As a financial blogger, I often find myself exploring various financial tools to better advise my readers. One such tool that I’ve personally tested is the cash advance app, Earnin.

During a month when my income was unpredictable, I faced an unexpected expense – a car repair bill. I knew I had funds coming in a few weeks, but I needed the money immediately. That’s when I turned to Earnin. The process was straightforward – download the app, connect my bank account, and provide some work details. Soon, I had the cash I needed.

What stood out about Earnin was its flexibility. I repaid the advance once my income came in without any hefty fees or interest. It was a relief during that financial crunch.

Since then, I’ve explored other apps like Dave, Chime, and Brigit. Each has unique features, but all offer a valuable service for those unpredictable financial moments.

However, I must stress that while these apps are useful, they’re not a long-term solution. They’re excellent for emergencies, but they’ve underscored the importance of budgeting, saving, and planning for the future.

So, if you’re facing unexpected expenses, cash advance apps can be a lifeline. But remember to use them responsibly and as part of a broader financial strategy.

Benefits Of Using Cash Advance Apps

Benefits Of Using Cash Advance Apps

Cash advance apps provide a convenient way to access money quickly without the need for credit checks or lengthy application processes.

Convenience And Accessibility

Using cash advance apps like Earnin provides a high level of convenience and accessibility to users. These apps are easily accessible through mobile devices, making it simple to request funds at any time from nearly any location.

For example, Dave offers its users early paycheck access through direct deposits with no hidden fees. Similarly, Chime’s SpotMe feature allows users to overdraft their checking account up to $100 without incurring any overdraft fees.

Overall, using cash advance apps like Earnin can provide a quick and easy way for individuals who may not qualify for traditional loans due to bad credit or other financial barriers to access necessary funds when needed.

No Credit Checks

One of the most significant benefits of cash advance apps like Earnin is that they do not require a credit check. This advantage makes these apps accessible to individuals with poor or limited credit history who may have difficulty obtaining traditional loans from banks and other financial institutions.

Additionally, having no credit checks means that these types of cash advances will not affect your credit score. Typically, payday loans and other forms of borrowing can negatively impact an individual’s credit rating if payments are missed, or payments are made late.

Low Fees And Interest Rates

As someone who has used cash advance apps like Earnin, one of the biggest benefits is the low fees and interest rates that come with these services. Many cash advance apps offer no-interest cash advances or charge a small monthly fee for access to funds early.

For example, Dave charges a $1 monthly membership fee but offers zero-interest loans up to $100.

Compared to other options like payday loans or credit cards, which have high-interest rates and hidden fees, using a cash advance app can help save money in the long run.

Helps Avoid Overdraft Fees

One of the key benefits of using cash advance apps like Earnin and Dave is their ability to help users avoid costly overdraft fees. These fees can add up quickly, especially for those living paycheck to paycheck or with little savings.

By providing early access to funds from upcoming paychecks, these apps allow users to cover expenses before they hit overdraft territory. In addition, many cash advance apps offer features like low balance alerts and automatic transfers between bank accounts to further prevent overdrafts.

Credit Builder Program

I have personally found the credit builder programs offered by some cash advance apps, such as MoneyLion, to be very helpful in improving my credit score. These programs allow users to take out a no-interest cash advance and then make payments over time, which are reported to the major credit bureaus.

The amount that can be borrowed through a top credit builder loan or program varies by the app but typically ranges from $250 to $1,000. Some programs may also offer additional features, such as identity theft protection and credit monitoring tools.

Risks And Drawbacks Of Cash Advance Apps

Cash advance apps can create a cycle of debt for borrowers, as they may rely on quick and easy access to cash rather than addressing underlying financial issues.

Potential To Create A Cycle Of Debt

I must warn you that one of the major risks associated with using cash advance apps like Earnin is the potential to create a cycle of debt. These apps allow you to borrow money against your next paycheck, often requiring repayment on your next payday.

If you find yourself unable to repay the loan when it’s due, some providers may extend pay period or “rollover” the term for additional fees and interest charges.

For example, let’s say you take out a $200 cash advance through an app and agree to pay it back in two weeks when your paycheck arrives. However, when payday comes around, unexpected expenses arise and prevent you from paying back the full amount in time.

You then extend the repayment period for another two weeks but are charged an additional fee of $30 for doing so.

It’s incredibly crucial to be mindful of how much money you’re borrowing through these apps and whether or not you’ll be able to afford the costs associated with them before signing up for any particular service.

Not A Long-term Solution

I want to be clear that cash advance apps, like Earnin and others, are not a long-term solution to financial problems. While they may provide a quick fix for unexpected expenses or short-term cash flow issues, they often come with high costs and can create a cycle of debt if not used responsibly.

It’s important to remember that there are other options available when it comes to borrowing money or managing finances. Personal loans from banks or credit unions may offer lower interest rates than paycheck advance apps.

Budgeting tools and financial planning resources can also help you manage your money more effectively over time. Even using a savings account or credit card responsibly can be a better choice than turning to cash advance apps regularly.

Privacy Concerns

As with any app that requires access to personal financial information, cash advance apps like Earnin and Chime raise privacy concerns. These apps typically require users to link their checking accounts and grant them permission to monitor their transactions.

Some worry that this level of access could leave users vulnerable to identity theft or other forms of fraud. Additionally, there is a risk of companies sharing or selling user data for profit without proper consent.

Overall, while cash advance apps may be helpful in providing quick access to funds when needed, it’s important not to overlook the potential risks involved with granting access to personal financial information.

Impact On Credit Score

Using cash advance apps can have a negative impact on your credit score, especially if you frequently rely on them to cover expenses. While many of these apps do not require a credit check, they may report late or missed payments to the three major credit bureaus.

This could result in a lower credit score and make it more challenging to obtain traditional loans or other forms of credit down the line.

It’s also worth noting that some payday loan lenders and online personal loan providers offer loans with high-interest rates and fees that can further damage your credit score if not repaid in full and on time.

Alternatives To Cash Advance Apps

Alternatives To Cash Advance Apps

Aside from cash advance apps, there are other options to consider, such as personal loans, credit cards, savings accounts, and budgeting tools.

Personal Loans

As an alternative to cash advance apps like Earnin, personal loans can also provide quick access to funds. Personal loans are a type of unsecured loan that can be used for various purposes, such as paying off high-interest credit card debt or covering unexpected expenses.

One advantage of personal loans is that their terms are often more favorable than those of payday loans or cash advance apps. Unlike these options, personal loan lenders typically perform a credit check but may still work with borrowers who have lower credit scores.

Plus, since personal loans don’t require collateral, they pose less risk to the borrower than secured loans like auto or home equity loans.

Credit Cards

Credit cards are a common alternative to cash advance apps like Earnin. They provide a line of credit that can be used for unexpected expenses or to cover bills until the next paycheck.

However, it’s important to use credit cards responsibly and pay them off in full each month to avoid high-interest charges and accumulated debt. Some credit cards also offer rewards programs, such as cashback or travel points, which can help save money on everyday purchases.


As someone who has struggled with their finances in the past, I know the importance of having a savings account. Cash advance apps like Earnin are useful when you need immediate access to funds, but it’s still essential to have savings set aside for unexpected expenses or emergencies.

Thankfully, many personal finance apps offer features that make saving money easier than ever before. For instance, some cash advance apps like Chime and Empower round up your purchases to the nearest dollar and deposit the difference into a separate savings account automatically.

This small change can add up quickly and provide an emergency fund that users can rely on instead of turning to predatory loans or overdraft fees from traditional banks.

Budgeting And Financial Planning Tools

As someone who values financial planning and budgeting, I appreciate the added benefits that some cash advance apps like Earnin provide. For instance, Brigit is an app that not only offers cash advances but also provides budgeting tools to help users analyze their spending habits and set aside savings goals.

Meanwhile, Empower provides personalized recommendations for how much money users should save based on their income and expenses.

Moreover, MoneyLion is another personal finance app that offers small cash advance options along with various financial planning tools. With its integrated investment platform, it encourages users to maximize returns on any of the funds they save in any of its accounts.

Which Cash Advance Apps Can I Use with Chime in 2023?

There are several cash advance apps that work with Chime, providing convenient and flexible options for users in 2023. These apps allow Chime account holders to access quick cash advances, manage their finances, and handle unexpected expenses effortlessly. With technology continuously advancing, the partnership between Chime and these cash advance apps offers users greater control over their financial well-being.

Conclusion: Are Cash Advance Apps Like Earnin Right For You?

In conclusion, cash advance apps like Earnin can be a helpful solution for those facing unexpected expenses between paychecks. With several alternatives available, users can choose the app that fits their needs and credit score requirements.

While these apps provide convenience and accessibility, it is important to consider the potential risks and drawbacks, such as high APRs and fees. It’s also crucial to explore other financial options before turning to cash advances, such as personal loans or budgeting tools.


How do cash advance apps like Earnin work?

Cash advance apps like Earnin allow users to access their earned wages early, without having to wait for payday. Users connect their bank account and employment information to the app, which tracks hours worked and provides a cash advance based on those earnings.

What are the fees associated with using a cash advance app?

Fees vary depending on the specific cash app used, but many charge a small transaction fee or require an optional tip for using the service. It is important to read the fine print carefully before using any cash advance app to understand all associated fees and charges.

Is it safe to use a cash advance app?

Most legitimate cash advance apps have advanced security measures in place, such as two-factor authentication and encryption of financial data. However, users should still take precautions, such as avoiding public Wi-Fi when accessing sensitive information through these types of apps.

Who is eligible for a cash advance through these types of apps?

Eligibility requirements may vary by app, but typically users must be employed hourly workers who receive regular direct deposits into their bank account in order to qualify for a cash advance through these types of apps. Some also require that users have consistent employment history or meet other specific criteria.

What are the best cash advance apps like Earnin and Dave for instant cash?

Some of the best cash advance apps like Earnin and Dave for instant cash include Branch, Brigit, MoneyLion, Albert, Chime, SoLo Funds, Varo, and Cash App. Each app has its unique features and cash advance limits to meet your short-term financial needs.

How do cash advance apps work and do they affect my credit score?

Cash advance apps provide small cash advances, typically as a percentage of your paycheck or up to a maximum advance limit. Users are required to pay back the amount borrowed within a short timeframe. Most cash advance apps do not perform a credit check, so using them does not directly affect your credit score. However, consistently using cash advance apps without repaying on time could cause financial challenges and indirectly affect your credit score.

Can you get instant cash from Chime and other payday advance apps?

Yes, you can receive instant cash advances from Chime and many other payday advance apps. These apps provide a quick cash advance in case you’re short on cash and usually come with instant transfers or fast availability of funds, helping users meet their financial needs immediately.

Are there cash advance apps like Earnin that help with building credit?

Yes, there are cash advance apps that can help you build your credit. MoneyLion, for example, has a Credit Builder Plus membership which offers cash advances and tools to help you build and maintain a healthy credit score over time.

How much does it cost to use cash advance apps, and are there any without fees?

The cost to use cash advance apps varies widely between different apps. Some, like Earnin, rely on a voluntary tip system, while others charge a fixed or variable fee for their services. There are a few apps, like Chime, that offer basic cash advance services without mandatory fees but may have limitations on withdrawal amounts or frequency.

Can I get a cash advance if I have bad credit?

Yes, you can get a cash advance even if you have bad credit. Most cash advance apps do not perform a credit check, so your credit score will not be a factor in determining your eligibility for a cash advance. However, it is essential to use these services responsibly and make timely repayments to avoid further financial problems.

How do apps like Dave and Earnin compare regarding advance limits and repayment terms?

Different cash advance apps have varying advance limits and repayment terms. For example, Earnin allows you to access your wages early, up to $100 per day, while Dave permits advances up to $75 between paychecks. Repayment terms depend on the user’s pay schedule, but most apps require full repayment by the next payday.

How do I choose the best cash advance app for my needs?

To choose the best cash advance app for your needs, consider factors such as advance limits, fees, any additional features offered by the app, the ease of use, and the app’s reputation. Check user reviews and ratings and compare each app’s offerings to determine the most suitable option for your financial needs.

Are there any cash back or rewards features on cash advance apps like Earnin?

Some cash advance apps offer cash back or rewards features to users. For example, MoneyLion has a cash back rewards program that allows users to earn money on everyday purchases. These rewards can be redeemed and used to offset the costs of cash advances or other fees associated with the app.

Can multiple cash advance apps be used for a higher cash advance limit?

Yes, you can sign up for multiple cash advance apps to potentially increase the total amount of cash advances available to you. However, using several cash advance apps simultaneously can create a higher financial burden when it comes to repayment, and it may also signal that you are over-reliant on these services. Exercise caution and use cash advances responsibly to avoid financial strain.

James Allen, a finance enthusiast with 10+ years of experience, founded Billpin in 2020 to demystify personal finance. Inspired by his mother’s frugality and his own financial expertise, James aims to transform people’s relationship with money. Through this site, he provides easy-to-understand guides, empowering individuals to manage their finances effectively and take control of their financial future.

Content Disclaimer: Opinions expressed here are the authors alone, not those of any companies mentioned, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

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