Apps like Earnin: Top 15 Earnin Alternatives to Try in 2023

Apps Like Earnin

We are here to amaze you with our latest list of Apps Like Earnin. So, take a deep dive into it. Have you ever been in such bad financial shape that you had no money to spend? Well, it happens to a lot of people, especially when an unexpected expense like a medical bill or car repair comes up.

Most people who are having these kinds of problems get payday loans. But there are better alternatives that offer cash advances and loans with much lower fees or interest rates. Earnin App is one of the best solutions

With the Earnin app, workers can get money from their paychecks before payday. Earnin is not a bank and does not lend money. You don’t have to pay any fees or interest to use this app to get money. Instead, the money you borrow is taken out of your paycheck directly.

Here are 15 cash advance and loan lending apps like Earnin for your consideration when you need money to cover a financial emergency. So, let’s get started, read about them, and pick your favourite.

15 Best Apps Similar to Earnin

  1. Dave
  2. Possible Finance
  3. Cash App
  4. Brigit
  5. MoneyLion
  6. Chime
  7. Vola
  8. Fast Cash Advance
  9. SpeedyCash
  10. Even
  11. Ace Cash Express
  12. PayActiv
  13. SoLo Funds
  14. Zirtue
  15. PockBox

Also Read: Top 15 Apps like Airbnb

Top 15 Apps Like Earnin

Here is a detailed explanation of apps like Earnin that work with chime.

1) Dave: First App Among the Best Apps Like Earnin

Apps like Earnin: Top 15 Alternatives to Try in 2022
Source: Dave

Users of the Dave app can get a pay advance to cover basic expenses like gas or groceries. Along with that, it provides a “spending account” with no overdraft or low-balance fees.

Dave, an app similar to Earnin, imposes a monthly subscription fee in place of interest. It also takes voluntary “tips” in exchange for the service. By including a tip for the paycheck advance option, you are effectively paying to use the money that you have worked for. If you need money for necessities, you might be able to find cheaper options.

Dave doesn’t do a credit check to see if you’re eligible for an advance. Instead, the business analyses data such as your earnings, spending patterns, and account balance on a regular basis using machine learning.

2) Possible Finance

Apps like Earnin: Top 15 Alternatives to Try in 2022
Source: Possible Finance

Possible Finance is a mobile App Similar to Earnin that provides small, high-interest instalment loans. Borrowers with no or bad credit can get up to $500, though the loans are only available in a few states.

Possible positions itself as an alternative to traditional payday loans, which are high-interest, short-term loans repaid with your next paycheck. Possible’s rates are lower (though still high) than payday loans, and you have up to eight weeks to repay the loan in biweekly instalments.

Because Possible Finance does not check your credit score, borrowers with bad credit (629 or lower FICO) and those with little or no credit history may be eligible. Instead, the lender examines bank account transactions to determine whether or not to approve an applicant and for how much.

Here’s what the lender says can help increase your chances of approval:

  • A consistently positive bank account balance.
  • A minimum monthly income of $750 is required.
  • Over time, consistent deposits into your account.
  • Returned checks or insufficient funds fees are common.

Rates, fees, and terms of possible finance loans:

APR range54.51% – 240.52%.
Loan amount$50 – $500.
ChargesOrigination fee: 2% of the loan amount.
Repayment termsUp to eight weeks.
States (in which it is available)AL, CA, DE, FL, IA, ID, IN, KS, KY, LA, MI, MS, MO, OH, OK, RI, SC, TN, TX, UT and VT.

3) Cash App: An App Similar to Earnin

Apps like Earnin: Top 15 Alternatives to Try in 2022
Source: Cash App

Cash App is not a bank, but rather a financial platform. Through its bank partners, it offers banking services and debit cards. The Federal Deposit Insurance Corporation (FDIC) insures your account balance through partner banks.

Cash App Investing LLC, a broker-dealer registered with the Securities and Exchange Commission (SEC) and a member of the Financial Industry Regulation Authority (FINRA), provides investing services.

Users of the Cash App can send and receive money, obtain a debit card, and set up direct deposits. Users can invest in stocks for as little as $1 using the investing feature. This is accomplished by purchasing fractional shares of stock. Customers can also use the app to buy, sell, or transfer Bitcoin.

Cash App is only available to people over the age of 13. Users between the ages of 13 and 18 must obtain permission from a parent or guardian to use expanded Cash App features such as P2P transactions, direct deposit, and a Cash Card.

Cash Cards can also be used at ATMs. Each ATM transaction costs $2 with Cash App. The following withdrawal limits apply to Cash Card transactions:

  • $310 for each transaction.
  • $1,000 for each 24-hour period.
  • $1,000 every seven days.

Also Read: Top 50 Apps Like Affirm

4) Brigit

Apps like Earnin: Top 15 Alternatives to Try in 2022
Source: Bright

Brigit is an app that lets you request a cash advance if you’re about to overdraw your bank account. It has two service levels: a $0 plan with only educational features and a $9.99 monthly plan with transfers up to $250, a credit builder tool, and $1 million in identity theft protection.

Brigit App has the following features:

  • You can borrow up to $250.
  • Membership is $9.99 per month.
  • Funding is usually available within one to three days.


In addition to regularly using your checking account, you must have the following to qualify for an advance:

  • A bank account with an amount greater than $0.
  • A cash buffer in your bank account after you’ve been paid.
  • A checking account with a Brigit-supported bank that has been open for more than 60 days.

Brigit cash advance vs. payday loan: Which is better?

A Brigit cash advance is due on your next payday, but that’s where the similarities between it and a payday loan end. Here’s how the two compare:

TermsBrigit cash advancePayday loan
Turnaround time1 to 2 working days Typically, the following business day
Borrowing amountUp to $250Usually, up to $1,000, and most states only allow one at a time.
Application processSign up via the mobile app, which requires access to a personal checking account.Simple online application that typically requires a Social Security number and bank account information.
CostsMonthly membership fee of $9.99High fees, which can range from $15 to $25 per $100 borrowed
AvailabilityAnywhere in the United StatesIllegal in some states

Also Read: Top 15 Apps like Doordash To Make Money

5) MoneyLion

Apps like Earnin: Top 15 Alternatives to Try in 2022
Source: MoneyLion

MoneyLion is a mobile personal finance and lending app that helps customers gain financial control by providing tools to track their spending, saving, and credit usage.

MoneyLion Plus is a subscription service for MoneyLion app users that provides them with several great benefits. They examine your spending habits to determine when to withdraw funds from your checking account. They also offer personalised daily budgeting tips to help you spend less money.

MoneyLion also provides access to low-interest loans. MoneyLion Plus approves you for a low-interest loan based on behavioural data and analytics from your use of the MoneyLion app. Borrow up to $500 with APRs as low as 5.99 %. The most significant advantage is that you do not need a credit check to be approved.

6) Chime: Another App Like Earnin

Apps like Earnin: Top 15 Alternatives to Try in 2022
Source: Chime

Chime offers fee-free online banking services via a popular mobile app. A Chime Spending Account is the company’s equivalent of a checking account, though no chequebook is provided.

Account-holders receive a Visa debit card and online banking access via Chime’s mobile app.

A Chime Spending Account is a deposit account that is FDIC-insured. It accepts direct deposits. It accepts pre-authorized withdrawals as well as ACH transfers. Chime also provides free transactions and free one-to-one transfers. It works with Apple Pay, Google Pay, and Samsung Pay.

Important Takeaways:

  • Chime is one of the most unusual banks because it does not have any physical locations. The absence of banking fees, however, is what makes their 12 million customers adore them.
  • Chime is ideal for people who want direct deposits from their employers, have little to no credit history, prefer to manage their finances on their smartphone, and whose bank account balance falls below $100 on a regular or irregular basis.
  • Chime provides a ‘Credit Builder’ credit card for those who need to start building credit or recover from a bad credit history.
  • Chimes’ initial customer service was a little lacking, but they have since rebounded with incredibly strong and reliable customer service.

7) Vola

Apps like Earnin: Top 15 Alternatives to Try in 2022

Vola, like other cash advance apps like Earnin, offers loans up to $300, a credit builder programme, and tools for monitoring your bank balance. Its Smart Alert feature notifies you when your bank account balance is low, allowing you to avoid overdraft fees.

However, unlike other cash advance providers, the app’s website contains very little information about it, leaving the user to guess how much it costs to use, what the bank requirements are, and how much they can borrow.

Vola automatically deducts repayments from your bank account, but you can pay early without penalty. If you’re running low on funds, you can request a 10-day extension. There is a five-day cooling-off period after repaying your advance before you can borrow again.


  • Membership dues begin at $2.99.
  • Eligible members have the ability to withdraw up to $300.
  • Funds can be accessed as soon as one business day.


Vola Finance works with over 6,000 banks and credit unions, but your bank account must meet certain criteria in order to qualify for an advance.

  • 3 months or older
  • The average balance of more than $150.
  • Displays earnings and deposits.
  • Is active on most days of the week.

8) Fast Cash Advance: Payday Apps Like Earnin

Apps like Earnin: Top 15 Alternatives to Try in 2022
Source: FastcashADVANCE

Many programmes, including Earnin, do not always provide quick loans and advance approvals. That is the main reason why people look for alternatives. If you need money quickly, look into Fast Cash Advance.

Fast Cash Advance allows you to apply for payday loans and receive quick approvals. Its approval mechanism is so quick that it could be finished in minutes. The app will even keep you updated on the status of your request.

Fast Cash Advance Loans is an Android developer who has been active since 2018 and has one app on Google Play (Fast Cash Advance Payday Loan Instant Money Loans). Fast Cash Advance Payday Loan Instant Money Loans is one of the most popular apps on Google Play, with over 100 thousand instals.

Also Read: Top 10 Apps like Omegle

9) SpeedyCash

Apps like Earnin: Top 15 Alternatives to Try in 2022
Source: Speedy Cash

Earnin’s most adaptable option is Speedy Cash, which provides a variety of loan types. First, there are instalment loans with a $5,000 maximum limit. The second type of loan is a title loan, which allows you to borrow between $100 and $25,000 by using your car as collateral.

In addition, Speedy Cash provides a variety of online loans, including payday loans and lines of credit loans. Although the interest rates for Speedy Cash are slightly higher, it is the best app for those who want flexibility in loan options.

Pros & Cons of SpeedyCash

There is no prepayment penalty.Interest rates are extremely high.
Fast funding is possible.Some states may charge an origination fee.
There are numerous ways to applyAvailability is limited.

10) Even

Apps like Earnin: Top 15 Alternatives to Try in 2022
Source: Even

Even was founded in 2014 as a cash advance app that allows employees to access up to 50% of their earned wages ahead of schedule. The app receives payroll information from your employer, allowing you to track how much money you’ve earned thus far — and get an advance on your paycheck, a feature Even refers to as “Instapay.”

The Instapay feature does not charge interest, but you may have to pay a monthly subscription to be able to access your money sooner. Your employer will determine the membership fee.

Even Apps’ Pros and Cons:

Possibility of obtaining a cash advance on your paycheckYour employer must be a partner in order for you to participate.
You can get your money from Walmart.The number of cash advances you can take is determined by your employer.
The app includes budgeting tools.A monthly subscription plan may be required.

11) Ace Cash Express

Apps like Earnin: Top 15 Alternatives to Try in 2022
Source: ACE Cash Express

ACE Cash Express Mobile Loans is a fabulous service that provides fast payday loans. Furthermore, this quick-working app relieves you of the need to wait for your next paycheck to buy the things you require. It collaborates with various stores so you can get the items you need without having to pay out of your own pocket because ACE Cash Express pays on your behalf.

Ace Cash Express Mobile Loans assist you in establishing a credit history. Furthermore, it is one of the few payday loan apps that allows you to return the funds from a previous loan within 72 hours without penalty.

Also Read: Top 15 Apps Like Klarna

12) PayActiv: Among the Most Used Cash Apps Like Earnin

Apps like Earnin: Top 15 Alternatives to Try in 2022
Source: PayActiv

PayActiv allows you to withdraw up to $500 of your earned wages and pay $5 per biweekly transaction. There are no fees unless you receive funds from PayActiv, and there are no interest payments.

PayActiv works similarly to Daily Pay in that it partners with employers to allow their employees to access their wages before their payday. So you’re not borrowing any money; all you get is your own money.

PayActiv also offers a prepaid card as an option. The card provides instant access to your accumulated funds and can be used for in-store or online payments, as well as cash withdrawals from over 65,000 ATMs across the United States.

PayActiv, like Daily Pay, requires a partnership with your employer in order for you to access its benefits. So, check with your office to see if PayActiv is available to you.

13) SoLo Funds

Apps like Earnin: Top 15 Alternatives to Try in 2022
Source: SoLo Funds

SoLo Funds is a mobile app that provides peer-to-peer (P2P) microloans ranging from $50 to $1,000. It’s intended to cover unexpected expenses if you live paycheck to paycheck, such as repairing your car so you can get to work.

It’s quick for a P2P app: you could get your money the same day you apply. Moreover, unlike many other tip-based payday loan alternatives, SoLo limits lender tips to 10%. There is no option to roll over the loan, which could help you avoid a debt cycle. If your payment does not go through when it is due, SoLo charges a late fee of 15% of the loan amount plus $5.

SoLo Funds does not charge interest or fees for loans. Rather, you can pay your lender an optional tip of up to 10% of the loan amount. There’s also the option to donate to SoLo Funds, though neither tips nor donations are required.

14) Zirtue

Apps like Earnin: Top 15 Alternatives to Try in 2022
Source: Zirtue

Zirtue is a peer-to-peer lending app that removes the awkwardness of borrowing from friends and family. Rates are significantly lower than those of other peer-funded loans I’ve reviewed, including platforms that offer larger loan amounts and require good credit. It also allows you to send funds directly to utility companies and other service providers.

Even if you have someone to borrow from, this app may not be for everyone. All loans have a 5% interest rate, which may be too high for some borrowers.

Zirtue also lacks a customer service phone number, making it difficult to resolve issues such as reopening a suspended account. If you don’t know anyone who can fund your loan or if you want a better rate, look into another provider.

Rates, fees, and conditions:

All Zirtue loans have a fixed interest rate of 5% for all borrowers. There are no other costs associated with obtaining a loan. However, you may be required to pay fees to fund and repay the loan:

  • Zirtue charges a fee of 1.5% of the loan amount plus 70 cents to fund a loan with a debit card.
  • Zirtue charges a fee of 6 cents to fund a loan via ACH bank transfer.
  • To repay a loan with a debit card, Zirtue charges 1.5% of the loan amount, plus 70 cents per repayment.
  • Zirtue charges a fee of 6 cents per repayment for loans repaid via ACH bank transfer.

If you use Zirtue’s Direct Bill Pay feature to send funds to a provider, the fee may be slightly lower.

15) DailyPay: One of the Payday Loan Apps Like Earnin

Apps like Earnin: Top 15 Alternatives to Try in 2022
Source: dailypay

If you need more money than most cash advance apps let new users borrow, PockBox is a great way to see how much you can borrow.

Just answer a few quick questions, and PockBox will get loan quotes from up to 50 lenders right away, so you can choose the best one. You can get a loan for as little as $100, and you may be able to borrow up to $2,500. You can get your loan from most lenders as soon as the next business day, and sometimes even sooner.

We don’t have to do anything to use PockBox, and there’s no cost. Many lenders on PockBox only work with people who have bad credit, so even if you’ve been turned down elsewhere, you may still be able to get a loan through PockBox.

When compared to getting a payday loan, getting a payday advance through an app online can be cheaper. But before you choose an app, you need to look at its APR. Even if the APR is between 200% and 600%, it is still cheaper than a payday loan or overdraft fees.

Also Read: Top 50 Apps Like Sezzle

Summing Up:

When choosing between apps like Earnin that offer cash advances or loans, you should look at the fees, turnaround time, terms, perks, and ways to pay for each one. You can also check customer reviews on reputable websites to help you make your decision.

You can also use the above list of links to other apps to help you decide which one is best for you. So, if you haven’t read the article yet, go back and look at the other apps that can give you cash advances and loans for less or no fees.

FAQ’s On Apps Like Earnin:

What apps will lend you money until you get paid?

There are several apps that let you borrow money until your next paycheck. Earnin, PayActiv, Dave, and SpeedyCash are some of the best.

Are loan apps safe?

The safest way to use loan apps is for one-time emergencies since fees can add up and the apps may make you want to borrow again and again. If you’re having trouble paying your regular bills, think about other options first.

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10 thoughts on “Apps like Earnin: Top 15 Earnin Alternatives to Try in 2023

  1. […] Also Read: Apps like Earnin […]

  2. Hi,
    This is a very helpful post. Thank you for the information.

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