Are you interested in learning about the best on-demand payment apps like DailyPay for instant money?
Today I’m going to show you some new strategies to borrow money instantly simply by clicking a few buttons on your cell phone (in under 5 minutes).
I get it.
Life happens.
Sometimes you need money… and you need it now. Sure you can use buy now, pay later apps…
But what if I told you there was a way to get your hands on some quick cash without going through the hassle of getting a traditional loan?
Well, there is.
And in this post, I’m going to show you how.
I’ve compiled a list of the best on-demand payment apps that will allow you to get your money fast, without any headaches.
So whether you need to pay off a debt, cover an unexpected expense, or simply want some extra cash in your pocket, these apps will help you out.
But first, what is DailyPay?
What is DailyPay?
With DailyPay you can work and get paid today. Employees have access to their pay when they need it and in between paydays even. However, these types of daily pay apps are different than cash advance apps as your employer must sign up and offer DailyPay as a benefit.
But today we will go over DailyPay competitors.
Best DailyPay Competitors to Get Paid Early
These apps help you get your paycheck early and can help you get paid today.
Try these free mobile applications available in the App Store and Google Play Store — so you can borrow cash with ease:
| Cash Advance App | Cash Advance Max |
|---|---|
| PayActiv | $500 |
| FlexWage | 70% to 80% of earned income |
| Empower | $300 |
| Albert | $250 |
| Earnin | $750 |
| Brigit | $250 |
| MoneyLion | $500 |
| Cleo | $250 |
| Klover | $200 |
1. PayActiv
PayActiv gives workers a complete solution to access cash, pay bills, get around and prepare for the future. Avoid late fees, overdraft fees, and high-interest loans with on-demand access to the money you’ve already earned. You can get paid today and withdraw the greater of $500 or up to 50% of your earned wages. However, this is another app where your employer must offer PayActiv as a benefit.
2. FlexWage
Apps like FlexWage offer an employee-sponsored platform where you can get paid today if your employer offers it. If they offer it you can get access to your paycheck via a reloadable card tied to your earned wages. If your employer offers this, the fees will be determined by the employer. You can typically get 70% to 80% of earned income with instant funding.
3. Empower
Empower is one of the top cash advance apps like DailyPay designed for today’s generation. No matter what lies ahead, they’ll help you thrive by letting you borrow money. By downloading the app, you can get a cash advance of up to $300 when you need it most, and save for your future.
You can count on them to have your back and get a cash advance up to $300 directly to your account. No applications, no interest or late fees, no credit checks or credit risk. You just pay them back automatically when you receive your next direct deposit. There's no catch. It's that simple.
- Get a no-fee and interest-free cash advance of up to $300
- Use AutoSave to automatically set money aside every week
- Costs $8 per month after a 14-day free trial
4. Albert
Albert can spot you up to $250 so you can make ends meet. No late fees, interest, credit check, or hidden hands in your pocket. As long as you have a paycheck and have repaid your past advances, you can request up to 3 cash advances per pay period. There's no catch.
- Up to $250 Instant overdraft coverage
- Get instant advances and more with Albert’s free basic plan
- All-in-one money app
5. EarnIn
With EarnIn, you get paid today and can access up to $150 per day from the pay you've already earned, without hidden fees or interest. With apps like EarnIn there are no mandatory monthly fees or interest. You choose what you want to pay to support the service. This is a radical change from the way the American financial system typically functions.
- Access to your hard-earned cash right when you need it
- No hidden fees, no penalties, no waiting
- Get up to $750 of your paycheck per pay period
6. Cleo
With Cleo, you can get a salary advance which is its answer to extortionate overdraft fees and the scary-expensive world of payday loans; it’s part of Cleo Plus, the apps subscription service.
If you qualify, Cleo can give you a no-interest advance of up to $100 to help you stay out of your overdraft. You pick your repayment date – anywhere between 3 and 28 days – and pay Cleo back when you reach it. It won't affect your credit score, but Cleo Plus is $5.99 per month.
The free option gives you access to Cleo's budgeting tool and digital wallet, plus a weekly quiz with chances to earn cash rewards but you can't get the salary advance.
- You can earn cash back rewards and enjoy salary advances up to $250 with Cleo Plus ($5.99 a month)
- Robust free version that helps you budget, automatically save and track your spending
- You can earn interest on your savings
7. Brigit
Brigit is another instant loan app that can help anyone get paid today. By downloading the free app on iOS or Android — you can join 3 million members who get paid up to $250, budget, and save smarter with Brigit. Only takes 2-minutes. No credit check. No interest.
- Tap to get an advance within seconds
- Get up to $250
- No credit check is required and no interest
- Pay it back without hidden fees or “tips"
8. MoneyLion
MoneyLion is banking that gives you more, a lot more so you can get paid today. You can get spotted $500 at any time with no interest with Instacash. This gets you 0% APR cash advances up to $500 to help you cover essentials and surprises, just apply here and link your checking account (no monthly fee). Plus, you can get your paycheck up to two days early with RoarMoney – plus easy ways to borrow, save, invest, and earn. All in one app.
- The maximum advance is $500
- No interest. No monthly fee. No credit check
- Link your checking account to qualify for 0% APR cash advances
9. Klover
Klover can give you some extra cash before payday. Just have at least three consistent direct deposits within the past two months with no gaps in pay with the same employer; once you meet those requirements feel free to apply and request a boost of a $200 cash advance.
Apps like Klover offer small cash advances without any obligatory fees; however, the funding process may take longer compared to certain competitors, and the optional express fees associated with expedited service are relatively high.
- Klover is an app that provides an advance of up to $200 on your next paycheck
- No mandatory fees
- An optional express fee from $2.99 to $20.78 to receive funds faster
Borrow Responsibly when Using Payday Loan Apps Like DailyPay
If you're like most people, any new financial need or demand makes you irritated and tense. The best money borrowing app can help you meet your immediate demands without delay or having to seek personal loans. Since you're likely unready for financial emergencies and each additional financial obligation can put you on edge.
There are several advantages of borrowing money via an app rather than going to a local bank or pawnshop to try and get quick cash. Even though there are many lending institutions in each city today, you may not be aware of all the nuances, interest rates and fees among them.
Every potential borrower must understand that he or she is fully responsible for any loan or cash advance obtained. This money should not be taken for granted, since it will only be used for a brief period of time.
Finally, such small amounts of loaned money can't accommodate long-term financial objectives. Consider alternative ways to finance your long-term goals and needs, or try to increase your income potential with side hustles.
With that said, good luck with borrowing money with these on-demand payment apps like DailyPay.
