11 Apps Like Earnin for Cash Advances: Hello $250!

These apps like Earnin will let you borrow money instantly.

4.8
4.8
  • App Store: 4.8 – ‎146k reviews
  • App Store: 4.8 – ‎652k reviews
Fees: $8/mo
Fees: $1/mo
4.8
  • App Store: 4.8 – ‎146k reviews
Fees: $8/mo
4.8
  • App Store: 4.8 – ‎652k reviews
Fees: $1/mo

Apps like Earnin? Are you interested in learning about the best cash advance apps like Earnin 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).

The best part? A lot of these cash advance apps work with Varo, Chime, Current and other digital banks and traditional bank accounts.

I get it.

Life happens.

Sometimes you need some extra cash to pay a bill or you’re trying to save up for something you want.

You don’t want to fall behind on bills and are wondering how to get an instant $50 loan or what money borrowing apps can pay you today?

Sure, another 100 dollars paid out early wouldn’t hurt. We’ve all been there, but what do you usually do when that happens? This is an exhaustive list of things that anyone can do, today, in order to get your paycheck early so you can earn money today.

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

But first, what is Earnin?

What is Earnin?

earnin get paid today app

What is Earnin?

With Earnin, you get paid today and can access up to $100 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.

11 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:

Cash Advance AppCash Advance Max
Empower$250
Albert$250
Chime SpotMe$200*
Current$200
Brigit$250
Cleo$100
MoneyLion$250
B9$500
Branch$500
Dave$500
Klover$200

1. Empower

apps like earnin

Empower is one of the top cash advance apps like Earnin 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 $250 when you need it most, and save for your future.

apps like earnin

You can count on them to have your back and get a cash advance up to $250 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.

2. Albert

apps like earnin

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 and they are offering a 30-day free trial.

3. Chime SpotMe

apps like earnin

Traditional banks took $11 Billion in overdraft fees in 2019. At Chime, they do things differently. Instead of charging you an overdraft fee, they allow you to overdraft up to $200* with no fees. So if you need to pay for something but don't have any money, you can still buy it with Chime SpotMe covering you. There are a ton of apps that work with Chime so it's a flexible option for any consumer.

apps like earnin

4. Current

apps like earnin

Current is the future of mobile banking. This digital bank has a bunch of compelling features where you can get spotted you $200 at any time, get paid up to 2 days faster, and all with no minimum balance or hidden fees. Its Overdrive feature is similar to Chime's SpotMe — where qualified members get fee-free overdraft up to $200.

5. Brigit

apps like earnin

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.

6. Cleo

apps like earnin

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 for its membership fee.

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.

7. MoneyLion

apps like earnin

MoneyLion is banking that gives you more, a lot more so you can get paid today. You can get spotted $250 at any time with no interest with Instacash. This gets you 0% APR cash advances up to $250 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.

8. B9

b9

Apps like B9 aim to help unbanked customers and traditional banks' underserved audiences, which predatory lenders often target. B9's app offers zero-fee advances of up to 15 days, a B9 Visa® Card with up to 4% cashback, FDIC insured, and money transfer services— providing excellent flexibility to people navigating the day-to-day demands.

B9 is a top contender for one of the best cash advance apps since you can get 100% of your paycheck with the B9 Premium plan which has a $19.99 monthly fee. The Basic plan allows instant cash advances up to $300 with no fees.

9. Branch

apps like earnin

Most cash loan apps work similarly, however, apps like Branch offer a mobile digital wallet for working Americans. Think of it like an on-demand hub that helps them meet their everyday financial needs. This get paid today app allows any employee to receive a payroll advance (up to $500 in earned wages per paycheck), manage their cash flow, and spend anywhere – all from their smartphone. Your credit rating doesn’t matter as your employer will have to provide access to Branch, for you to get early qualifying direct deposits.

10. Dave

apps like earnin

Apps like Dave pride themselves on being banking for humans. Meet the banking app that puts your financial mind at ease. Get paid up to two days early, build your credit history and get up to $500 advances without paying a fee. 7 million members and counting consider Dave one of the top reliable cash advance apps.

Get up to $500
Dave
4.8
  • Dave is an app that provides an advance of up to $500 on your next paycheck
  • Only required fee is a monthly $1 subscription fee
  • An optional express fee from $1.99 to $13.99 to receive funds within an hour (instead of the standard two to three days)
GET UP TO $500

11. Klover

apps like earnin

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
4.5
  • 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
GET UP TO $200

Apps Like Earnin

Is there an app similar to Earnin?

There are a few apps similar to Earnin, but each has its own unique set of features. One of the most popular alternatives is Empower. Empower offers a few features that are similar to Earnin, such as early access to your paycheck and no-fee cash advances. However, Empower also offers a few unique features, such as the ability to track your spending and set budgets. Users can also upgrade to Empower Thrive, where you can start with a $200 line of credit and grow to $1,000 with every on-time payment with 0% APR and the ability to build credit over time.

What apps will let me borrow money instantly?

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 AppCash Advance Max
Empower$250
Albert$250
Chime SpotMe$200*
Current$200
Brigit$250
Cleo$100
MoneyLion$250
B9$500
Branch$500
Dave$100
Klover$100

Does Cash App let you borrow money?

Cash App Borrow is a short-term loan service that allows users of Cash App to borrow up to $200 for unexpected expenses. It's still in beta and isn't accessible everywhere, which is a real shame. You are likely better off using an app like Earnin as it will let you borrow money instantly.

Do apps like Earnin work with Chime?

Because the Chime app enables borrowers to access their income up to two days early on their prepaid debit card, Earnin won't work with Chime. This is because it's difficult to establish a set salary day which is what Chime works from. You can see which apps that work with Chime if you're interested in using the digital bank with cash advance apps.

More Financial Assistance

If you're considering taking out a payday loan, you should try your best to avoid it. Payday loans have high-interest rates and can often trap people in a cycle of debt. If you absolutely need to take out a payday loan, make sure you shop around and compare rates before deciding on a lender. And always be sure to read the loan agreement carefully before signing.

The fact is that payday loans are one of the most expensive ways to borrow money. If you need cash in your bank account, there are much better options available, such as:

1) Have you lost your job? You can file for unemployment. Apps like Earnin also have automatic advance extensions for any user who has filed for unemployment. No questions asked.

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? Read 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.

5) Need to build credit? You can get your free annual credit report from the three major credit bureaus— Experian, Equifax, and TransUnion—but building credit goes beyond just looking at your report. You'll also want to make sure you're doing everything you can to improve your credit score.

How can I get paid today?

There are payday apps like Empower that can help you get your paycheck early so you get paid today. When you need cash to make it to payday, these apps can be a huge help. All these payday apps are listed in this article.

How can I get paid instantly?

There are websites where you can get paid instantly by completing online activities. You essentially get paid to do something on sites like Swagbucks or InboxDollars.

What apps will give you money?

There are a few apps that will you free money, which we've listed in this article.

Can you borrow money from mobile app?

Yes, you may borrow money for a short time using one of these cash advance applications. They're available to download and use from your smartphone, so the cash can be distributed quickly and from anywhere.

How to borrow money from the app?

You should submit your application for a cash advance using the chosen app. To receive the cash you want, provide your personal and banking details.

If I don’t have a bank account can I get a loan deposited on my app?

A checking account must be linked to the app of your choice for every borrower. Otherwise, the borrow money app won't be able to deposit money for you to meet your demands.

How to borrow money from paychecks if you use loans app?

You may pick the applications that allow you to borrow money from your future salary. This way, before the next payday, you will get the funds you have already earned and return them automatically once your wages are paid into your account.

Borrow Responsibly when Using Payday Loan Apps Like Earnin

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 unsecured personal loans or 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 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 cash advance apps!

Get up to $500
Dave
4.8
  • Dave is an app that provides an advance of up to $500 on your next paycheck
  • Only required fee is a monthly $1 subscription fee
  • An optional express fee from $1.99 to $13.99 to receive funds within an hour (instead of the standard two to three days)
GET UP TO $500
Brian Meiggs
Brian Meiggs
Brian Meiggs is a personal finance expert, and the founder of Smarts, a personal finance site helping you easily explore your best money options. He helps readers follow the smart money in order to increase their earning potential and start building wealth for the future. He regularly writes about side hustles, investing, and general personal finance topics aimed to help anyone earn more, pay off debt, and reach financial freedom. He has been quoted as a top personal finance blogger in major publications including Business Insider, Yahoo! Finance, NASDAQ, Discover, and more.
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