12 Apps Like PayActiv and Competitors in 2024

Need money today? Find out which on-demand payment apps like PayActiv can get you money instantly so you can get paid today.

Are you interested in learning about the best on-demand payment apps like PayActiv for instant money?

Today Iโ€™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 moneyโ€ฆ and you need it now.

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, Iโ€™m going to show you how.

Iโ€™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.

30-day free trial
Primary Rating:
5.0
Primary Rating:
4.8
Pros:
  • App Store: 4.8 โ€“ โ€Ž146k reviews
Pros:
  • App Store: 4.8 โ€“ โ€Ž652k reviews
Fees: 30-day free trial
Fees: $1/mo
30-day free trial
Primary Rating:
5.0
Pros:
  • App Store: 4.8 โ€“ โ€Ž146k reviews
Fees: 30-day free trial
Primary Rating:
4.8
Pros:
  • App Store: 4.8 โ€“ โ€Ž652k reviews
Fees: $1/mo

But first, what is PayActiv?

What is PayActiv?

What is PayActiv App?

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 youโ€™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.

But today we will go over PayActiv competitors.

Best PayActiv 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 โ€” so you can borrow cash with ease:

Cash Advance AppCash Advance Max
FlexWage70% to 80% of earned income
DailyPay$1000
Empower$250
Albert$250
Earnin$500
Chime SpotMe$200*
Brigit$250
MoneyLion$250
Branch$500
Dave$500
Cleo$100
Klover$200

1. FlexWage

FlexWage offers 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.

2. 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.

3. Empower

Empower is one of the top cash advance apps like PayActiv designed for todayโ€™s generation. No matter what lies ahead, theyโ€™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.

get paid today

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.

4. Albert

Albert can spot you up to $250 so you can make ends meet. Apps like Albert have no late fees, interest, credit checks, 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.

5. Earnin

earnin get paid today app

With Earnin, you get paid today and can access up to $100 per day from the pay youโ€™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.

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; itโ€™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 โ€“ anywhere between 3 and 28 days โ€“ 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.

7. Chime SpotMe

chime

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.

8. Brigit

Brigit is another instant loan app that can help anyone get paid today. By downloading the free app on iOS or Android โ€” 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.

9. MoneyLion

moneylion get paid today app

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 โ€“ plus easy ways to borrow, save, invest, and earn. All in one app.

10. Klover

clover

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

11. Branch

brand get paid today app

Apps like Branch offer a mobile digital wallet for working Americans. 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 โ€“ all from their smartphone.

12. Dave

dave

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

More Financial Assistance During Pandemic

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 donโ€™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.

External resources, so you donโ€™t have to do the research:

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

2) Need some government help? Smarts is tracking everything to do with the government's two trillion dollar stimulus package. Are you eligible? How much will you get and do you need to file? Itโ€™s all here.

3) 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).

4) 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.

5) 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 Payday Loan Apps Like PayActiv

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 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 on-demand payment apps like PayActiv.

*Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

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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