13 Best Apps Like Earnin in 2024 | Get Cash Advances Upto $25000  

Apps like Earnin

For an average American, making ends meet can be a big problem. Taking loans and advances has become a major way to make ends meet. For anyone living from one paycheck to another, apps like Earnin become a savior. If you have used Earnin and wanted to use other similar apps, I am here to provide you with options.

Earnin is a cash advance app. It lets you borrow money from your own paycheck before the payday. Earnin lets you borrow your money without any interest. This cash advance app lets you manage your funds and help in optimizing your credit scores. Earnin lets you take cash advance only up to $500, which makes it problematic for users who want loans of higher amounts.

While Earnin is a great cash advance app, it is not the only one. In this article, I have curated a list of apps like Earnin that will not only let you take cash advances but will also provide loans at a nominal interest. 

13 Similar Apps Like Earnin to Save Your Day 

Apps like Earnin can be a great solution for money crunch. These apps let you take money from your paycheck before the payday. You can keep a track of your earnings and your expenditure. Keeping all these things in mind, I have curated a list of similar apps like Earnin. Scroll down and find out the app best suitable for you.

1. Dave

Apps like Earnin

In this list of apps like Earnin, Dave takes the first place. Dave lets you get an advance up to $100 without charging any fees. It allows you to take an advance up to two days before your payday. Dave is in a partnership with LevelCredit and reports your rent payments to credit bureaus. This helps in building and improving your credit score. Dave charges you $1 for a monthly subscription. 

Perks of Using Dave:

  • Helps you in budgeting.
  • Helps you in finding side hustles.
  • Helps in building and improving credit history.
  • Warns you when the balance in your account is low.

Advance Limit: $100

Interest: 0%

Monthly Subscription: $1

2. Brigit

Apps like Earnin

Brigit is one of the best apps on the list of apps like Earnin. This app lets you borrow money and build your credit score. You can get cash advances of up to $250 without paying any interest with this app. There are two types of monthly subscriptions for Brigit- a free subscription and a paid subscription for $9.99. 

Perks of Using a free Brigit subscription

  • Helps to build and improve credit history.
  • Gives insights to improve your earnings.
  • Gives insights to save your earnings.

Advance Limit: $250

Interest:  None

Perks of Using a paid Brigit subscription

The paid Brigit subscription is $9.99. It gives you all the perks a free subscription provides. In addition, it gives you some additional perks:

  • Provides cash advances
  • Overdraft protection.
  • Helps in monitoring credit reports.
  • Protection of up to $1 million for identity theft.
  • Helps to build and improve credit history.

3. MoneyLion

Apps like Earnin

If you are looking for apps like Earnin, let me suggest MoneyLion. The only major difference between Earnin and MoneyLion is that the former provides money advances and the latter provides loans. You can get a loan of up to $1000 with interest from MoneyLion. You can also take a $250 loan without any interest. You can take an advance of up to 30% of your income. 

Perks of Using MoneyLion

  • Easier access to funds.
  • You get to earn cash back from online purchases.
  • Helps in building a credit history.
  • You can get direct deposits.

Advance Limit: $1000

Monthly subscription: $19.99

4. Possible Finance

Apps like Earnin

Next on the list of apps like Earnin is Possible. While Earnin provides you loans without checking your credit score, it has many other terms to fulfill. If you want to borrow money but don’t want to use Earnin, there is an option of Possible Finance. It lends you loans for shorter terms. Possible Finance lets you borrow up to a limit of $500.

Perks of Using Possible Finance

  • Helps in developing your credit history.
  • Does not need a good credit history for borrowing money.

Advance Limit: $500

Interest: 150-200%

Monthly Subscription: Varies

5. Chime

Apps like Earnin

Chime is a great app. It is also one of the few free apps like Earnin. It lets you take an advance up to two days before your payday. Chime is different from Earnin because you get a debit card when you sign up for Chime. You can also set up a Savings Account to save money.

Perks of Using Chime

  • Helps you in saving your earnings.

Advance Limit: N/A

Interest: N/A

Monthly subscription: None.

Note: Chime does not charge an interest fee. However, the company charges an interchange fee whenever you use a Chime Debit card.

6. DailyPay

Apps like Earnin

Next on the list of apps like Earnin is DailyPay. This app partners up with companies and integrates with their payroll. It allows the employees to access their wages before their payday. An employee can access their DailyPay balance with a fee of $1.99. 

Perks of Using DailyPay

  • DailyPay lets you access your income before the payday.
  • It keeps a record of how much you have earned simultaneously.
  • You can withdraw your balance with a nominal fee of $1.99.

Advance Limit: N/A

Interest: N/A

Monthly Subscription: None

Note: You can use DailyPay only if it is available for your workspace. 

7. Speedy Cash

Apps like Earnin

Speedy Cash is among the flexible apps like Earnin. It offers multiple types of loans with different interest amounts. The interest amount charged by Speedy Cash is high compared to the other apps but it provides more flexible loans compared to others.

Perks of Using Speedy Cash

  • You can take installment loans of up to $5000.
  • You can take Title loans, where you can use collateral to borrow up to $100 to $25000.
  • You can take several online loans like payday loans, installment loans, etc. 
  • Helps you maintain and improve your credit history.

Advance Limit: $100-$25000 (depends on your loan)

Interest: Varies with loans

Monthly Subscription: None

 8. PayActiv

Apps like Earnin

PayActiv is one of the few free apps like Earnin. You can withdraw your paycheck before the payday via PayActiv. This app lets you withdraw up to $500 from your balance. However, one thing that you must keep in mind before using this app is that PayActiv must be in partnership with your company. If PayActiv does not have access to your company’s payroll, you won’t be able to use it.

Perks of Using PayActiv

  • PayActiv lets you access your income before the payday.
  • It keeps a record of how much you have earned simultaneously.
  • You can withdraw up to $500 before your payday.
  • For accessing your funds, you get a prepaid card.
  • This prepaid card works at ATMs too.

Advance Limit: up to $500

Interest: 0%

Monthly Subscription: None

9. Even

Apps like Earnin

One of the apps like Earnin is Even. It works similar to DailyPay and PayActiv. You can only use Even if your company is in a partnership with this app. Even must have access to your company’s payroll. This app lets you withdraw from your paycheck before the payday.

Perks of Using Even

  • Even lets you access your income before the payday.
  • It keeps a record of how much you have earned simultaneously
  • You can withdraw up to 50% of your paycheck.

Advance Limit: Up to 50% of your paycheck

Interest: 0%

Monthly Subscription: $8

10.  FlexWage

Apps like Earnin

Another apps like Earnin is FlexWage. It works like Even, PayActiv, and DailyPay. Apart from offering you some amount from your paycheck, this app also provides some additional features. FlexWage can only be used if it is in a partnership with your company. Similar to the other apps, it needs access to your company’s payroll.

Perks of Using FlexWage

  • Lets you access your income before the payday.
  • Keeps a record of how much you have earned.
  • Flex Pay- Service offered by FlexWage that lets you gain access to one-time compensations like bonuses, tips, etc.
  • Pay Card- A prepaid debit card.

11. Vola Finance

Apps like Earnin

Vola is one of the apps like Earnin. It lets you take up to $300 cash advances. This app takes a monthly fee of $4.99 to work. However, if you have a good Vola Score, you can get higher advances for lower subscription fees. This can work to your advantage if you require some extra money often as your Vola score will increase leading to more perks in the future.

Perks of Using Vola Finance:

  • You can take an advance up to $300
  • It helps you in making budgets.
  • Provides a debit card.

Advance Limit: $300

Interest: 0%

Monthly Subscription: $4.99

12. SoLo Funds

Apps like Earnin

SoLo Funds is an interesting app. It is one of the best apps like Earnin. You can borrow and lend money on this app. SoLo Funds lets you lend money to your friend without any fees. Apart from that, you can take short-term loans from SoLo Funds. The interest to be paid depends upon the person you have taken the loan from. Here are some perks of using SoLoFunds.

Perks of Using SoLo Funds

  • Easy access to loans
  • Loan Amount available from $50 to $500.
  • The loan should be repaid within 15 days.

Advance Limit: $500

Interest: Varies

Monthly Subscription: $0

13. Albert

Apps like Earnin

Albert is an amazing banking app. It is very similar to the apps like Earnin. This app lets you have a checking and savings account with Sutton Bank. This app is free and you get an Albert Debit card along with it. The banking app, Albert provides many banking options and other perks. Let us have a look at them:

Perks of Using Albert

  • Up to 20% cashback on purchases done through debit cards.
  • Helps you maintain your savings goals.
  • Helps you in investing in stocks.

Advance Limit: $250

Interest: 0%

Monthly Cost: $0

Wrapping Up

It is time to wrap up! In this article, I have shared with you a list of apps like Earnin. You can be searching for this due to many reasons. My personal favorite among these apps is Dave and DailyPay. These two apps provide a lot of flexibility in their working and you can trust them with your money.

I hope this list helped you. If you have used any other apps like Earnin, do let me know in the comments below. For more such content, keep visiting Path of EX.

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