Best Apps Like EarnIn When You Need Money Today

Cash advance apps like Current and Tilt can fill the gap when EarnIn’s limit is not enough or it does not work with your bank. You can compare both, plus a few more, in the quick-pick box below.

A lot of the apps in this list work with Varo, Chime, Current and other digital banks, as well as traditional bank accounts. That matters because EarnIn does not connect to Chime or Varo.

If you’re strapped for time, I’ll go ahead and share the best cash advance apps like EarnIn.

What is Earnin?

With EarnIn, you get paid today and can access up to $200 per day from the pay you’ve already earned, without hidden fees or interest. With 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.

Keep in mind that EarnIn doesn’t work with Chime or Varo due to issues with maintaining connectivity.

So you’ll likely want to find other cash advance apps like EarnIn that work with these new digital banks.

Are there better apps than EarnIn?

It depends on what you need. EarnIn is a solid app, but it does not work with Chime or Varo. Current lists a Paycheck Advance of up to $1,000 for eligible customers and also works as your bank account, and Tilt is up to $500 with a 14-day free trial. I would compare those two first (Current details, Tilt details).

Do other apps charge lower fees than EarnIn?

Not really, because EarnIn has no mandatory monthly fee or interest, and you choose what you want to pay. Standard transfers are free, and faster transfers cost extra. Where other apps differ is the limit and which banks they work with. For example, Tilt costs $8 a month after a 14-day free trial. If Dave is the other app you are weighing, we compared EarnIn vs Dave too.

Which app gives more money than EarnIn?

EarnIn lets you take up to $200 a day and $1,000 per pay period. Current matches the $1,000 for eligible customers, Klover says up to $750, and Tilt, Brigit and MoneyLion are up to $500. So the real difference is usually approval and bank compatibility, not the cap.

Can I use more than one app at once?

You can keep EarnIn and add Current or Tilt for the weeks its limit runs out. Just remember each advance gets paid back from your next deposit, so stacking them leaves you short on the next paycheck. I would start with one.

Apps Like EarnIn for Cash Advances

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:

1. Current

Best for: Anyone who wants apps like EarnIn with a higher ceiling or a bank EarnIn can’t connect to.

Current advances up to $1,000 through its Paycheck Advance for eligible customers. You need at least one eligible payroll deposit of $200 or more in the last 35 days.

With direct deposit you can get paid up to 2 days early. There is no credit check to open the account.

How it compares to EarnIn: EarnIn caps you at $200 a day and $1,000 per pay period. Current’s top number is $1,000 in one advance. Current is also the bank itself, so you don’t have to worry about whether it connects to your account the way you do with EarnIn.

Watch out for: Your paycheck has to go into Current, so you’re opening a new account, not just installing an app. The advance is for eligible customers.

Read our full Current review.

2. Brigit

Best for: People who want apps like EarnIn that also work when you need a smaller amount.

Brigit advances $25 to $500 with no credit check and no interest. It says it has 15M+ users, and sign-up takes about 2 minutes.

Express delivery costs $0.99 to $5.99, so check the price in the app before you confirm.

How it compares to EarnIn: EarnIn can reach $1,000 per pay period, so Brigit’s $500 ceiling is lower. Brigit’s price list is simpler to read, though: the cost is the express delivery, $0.99 to $5.99.

Watch out for: Fast money is the paid part. If you’re not in a hurry, skip express.

Read our full Brigit review.

3. Grant

Best for: Anyone who wants an app like EarnIn for a small gap and doesn’t want a credit check.

Grant advances $25 to $500 with no interest, no late fees and no credit check to apply. The average first advance is about $66.

Standard delivery is free and takes about 3 business days.

How it compares to EarnIn: EarnIn can go to $200 a day and $1,000 a pay period, which is well above Grant. Think of Grant as the small-amount option, and EarnIn as the bigger one.

Watch out for: Grant isn’t available in every state, so check the app for yours before you count on it.

Read our full Grant review.

4. Tilt

Best for: Anyone who wants an app like EarnIn with a no-credit-check advance up to $500.

Tilt advances up to $500 with no application, no interest, no late fees and no credit check. Tilt reports an average first offer of about $98.

You get a 14-day free trial, then it’s $8 a month. Repayment comes out of your next direct deposit automatically.

How it compares to EarnIn: EarnIn has no mandatory fees and asks you to tip what you want. Tilt costs $8 a month after the trial. The upside is a higher first-offer cap at $500, and AutoSave to set money aside.

Watch out for: Tilt isn’t available in Connecticut, Maine or Washington D.C. Cancel before day 14 if you only want to try it.

Read our full Tilt review.

5. Cleo

Best for: Someone comparing apps like EarnIn who is fine with a subscription and a short repayment window.

Cleo advances up to $250 with no interest, but only through Cleo Plus at $5.99 a month. You pick a repayment date between 3 and 14 days.

The free version has a budgeting tool, a digital wallet and a weekly quiz with chances to win cash rewards, but no advance. Taking an advance won’t affect your credit score.

How it compares to EarnIn: EarnIn is built around no mandatory fees and a $1,000 pay period cap. Cleo is the opposite: smaller at $250 and gated behind a $5.99 a month plan. It can still make sense if the budgeting tool is what you want.

Watch out for: The advance only comes with Cleo Plus, so the $5.99 a month applies even in months you don’t borrow.

Read our full Cleo review.

6. MoneyLion

Best for: People who want apps like EarnIn from a full banking app.

MoneyLion offers Instacash advances of up to $500 at 0% APR once you link your checking account.

Its Spend account can get your paycheck up to two days early, and the app also bundles saving, investing and earning tools. The instant-delivery Turbo fee is 7.5%, capped at $14.99.

How it compares to EarnIn: EarnIn tops out at $1,000 per pay period and MoneyLion at $500. MoneyLion adds banking, saving and investing tools in the same app, and EarnIn is focused on the advance.

Watch out for: Turbo is the option that costs money. If you can wait, skip it.

Read our full MoneyLion review.

7. Klover

Best for: Someone who wants apps like EarnIn with up to $750 and steady direct deposits.

Klover lists up to $750 for eligible users, and your first limit depends on your account. You need at least three consistent direct deposits in the past two months, with no gaps in pay from the same employer.

Klover’s advances come with no interest, no late fees and no credit check, but the funding can be slower than some competitors. The optional express fees are relatively high.

How it compares to EarnIn: EarnIn’s limit is $200 a day and $1,000 per pay period, so Klover’s $750 sits just under it. Klover is stricter about your deposit history, which is where it can lose people.

Watch out for: New or irregular income may not meet the three-deposit rule, and the express option is the costly one.

Read our full Klover review.

Cash Advance FAQs

Here are the other questions people ask when they are looking for apps like EarnIn:

External resources, so you don’t have to do the research:

1) Have you lost your job? You can file for unemployment. While you wait for it to kick in, apps like Dave, apps like Brigit and apps like B9 are worth a look.

2) Looking to earn money? We have two articles about this, one for people looking for full-time online jobs and another for people looking for part time income (the gig economy).

3) Worried about bills? Here is an article from our team on ways to save money on groceries. Credit card companies and some banks are also delaying payments, waiving fees, and removing interest charges. Read about it here. You can get out ahead of these problems.

4) Trying to stretch your budget? Check out our guide on living cheap. Maybe you already know it all, but maybe there are some tidbits in there to help.

Borrow Responsibly when Using Apps Like EarnIn

If you’re like most people, any new financial need or demand makes you irritated and tense. Most cash advance apps can help you meet your immediate demands without delay or having to seek secured 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 getting a cash advance 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 apps like EarnIn!