17 Best Apps Like FloatMe for Android and iOS

by Emily Barrow

Best Apps Like FloatMe

Cash shortages might be one of the human problems that will occur from time to time. The good news is that you can take care of that with these cash advance apps like FloatMe in the first place.

FloatMe is one of the best apps you can refer to when it comes to instant cash advance platforms. However, there are tons of other options out there. 

In this article, you will find a list of the best payday cash advance apps you can grab from the Play Store and App Store.

About FloatMe

FloatMe is obviously not an app that will give you a loan for free. In fact, this app is a platform where you can collect your paycheck before the official due date is on.

The advance limit is USD 50 – suitable for those who prefer small cash instead of bulk. Later, you have to repay the loan on the next payday. Unfortunately, FloatMe doesn’t make it easy for self-employed and gig workers. 

All in all, here are the reasons why you love this app in the first place.

  • The app is intuitive to use.
  • It comes with lots of useful features without making everything harder to understand.
  • There is no need to pay interest fees and late penalties.

However, this app requires you to pay USD 1.99 per month for keeping your account alive and functional. Other than that, the limit is only USD 50 – you cannot upgrade the limit until some time.

Best Apps Like FloatMe for iOS and Android

In case you are looking for a platform that helps you collect your cash before payday, FloatMe is not the only option you have. Here are other apps you should consider.

1. Earnin


When it comes to the best apps similar to FloatMe, Earnin deserves a spot in the top three. In case you have an emergency before payday, you can loan a small amount of your wage prior.

Of course, you need to submit personal information but it is stored in an encrypted place. Everything will get through your permission in the first place.

Earnin doesn’t charge you any interest in the first place. You can draw up to USD 100 but it depends on your wages. Upgrades are available for sure and there is no need to run a credit check.

Download on Google Play Download on the App Store

2. Dave


Dave, on the other hand, is one of the best instant money apps nowadays. This app is available both for iOS and Android phones, which makes everything accessible for everyone.

Other than offering up to USD 100 payday loans instantly, Dave comes with budgeting tools and useful alerts. To enjoy all features offered by this app, you must be at least 18 years old and have a stable income.

This platform may be limited when it comes to its cash advance limit. Besides, you have to pay a membership fee. However, there is no interest and everything runs pretty quickly – suits you who need fast money.

Download on Google Play Download on the App Store

3. PayPal


PayPal is more about an app that allows you to send and receive money from various currencies around the world. Other than that, the medium is quite secure for conducting transactions.

If you are using PayPal for selling, you may access PayPal Business as well. It later allows you to get loans depending on your sale.

More than anything, this platform is a great idea for any kind of transaction, regardless of the currency.

Download on Google Play Download on the App Store

4. Brigit


Brigit is definitely one of the best instant cash advance apps you can access from your smartphone. Other than giving loans up to USD 250, you can enjoy this app’s budgeting tools too. Besides, there is no interest fee in the first place.

This app will run a credit check, after all. And if you want to upgrade the membership, your Brigit Score should be at least 70. Everything from this app is transparent and straightforward, which makes Brigit is one of the most favorite apps on the market.

If you are looking for an app that sends you alerts if you are at risk of an overdraft then Brigit is a great option.

Download on Google Play Download on the App Store

5. DailyPay


Instead of being a pure cash advance app, DailyPay is more about a cash-back platform. Through this app, you can pay any bill through this app and the cashback will be sent to your account, directly. Later, your balance can be used for paying bills, rent, and many more.

Everyone is welcome to use this app, regardless of their earnings or cash-out. You can say that DailyPay is an app you can use to get money by doing specific activities. It won’t hurt to give this app a try, right?

Download on Google Play Download on the App Store

6. Alliant Banking

Alliant Banking

Alliant Banking is another interesting thing you can take a look at. This platform is more about a banking app where you can access your financial activities from one place.

More than anything, you can use Alliant Banking for budgeting and get financial advice so that you can make better decisions in the first place. So, if you want to invest or save for specific goals, this platform will do you a favor.

Download on Google Play Download on the App Store

7. Brink’s Money

Brink’s Money

This platform is one of the FloatMe alternatives free that allows you to save and invest easily. Besides, the UI design is very user-friendly. It doesn’t matter if you are not tech-savvy – Brink’s Money got your back, always.

Other than that, you can use this platform for budgeting as well. Brink’s Money is like your personal financial assistant. A lot of useful features are all over this app as long as you are willing to upgrade the subscription.

Download on Google Play Download on the App Store

8. MoneyLion


Talking about something similar to FloatMe, MoneyLion comes as one of the best platforms on the market. It allows you to earn, save, and borrow. Do you want to save your wages? This platform allows you to.

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Other than that, MoneyLion can be the best place to head to when it comes to the cash advance apps no credit check – unless no hard credit checks are required. You can borrow up to USD 1,000.

This platform won’t charge monthly fees, service fees, and many more. Also, MoneyLion offers sweet cash backs!

Download on Google Play Download on the App Store

9. Chime


Meanwhile, if you are looking for a USD 100 loan instant app then Chime should be on your consideration list too. The app won’t charge any additional fee in the first place.

Other than that, you can overdraft your account up to USD 200 with no fee – interesting, right? All you need to do is to make sure that you have no bad credit track record.

Chime comes up with useful features to establish healthy financial habits. One of those features is the automatic saving tool.

Download on Google Play Download on the App Store

10. Possible Finance

Possible Finance

Possible Finance is one of the cash advance apps like Dave and FloatMe you should consider using. This platform allows you to establish a small loan and build a good credit record.

Once you’ve taken the loan, you have eight weeks to repay. Even though this app is mostly free, you may need to pay an additional fee depending on your location. Still, the interest rate is lower than other platforms on this list.

For those with bad credit or no credit history, the app allows up to USD 500. And since Possible Finance won’t check your FICO score, you can get approved in a matter of minutes.

Download on Google Play Download on the App Store

11. Payactiv


One of those free instant cash advance apps you should consider is Payactiv. It allows you to access your unpaid wages in the first place. Other than that, you can utilize the budgeting tools that will be useful for your financial planning.

The advance limit depends on how much your employer has set it. Payactiv, on the other hand, won’t charge you any interest fee and there is no credit check required – no need to store your personal information as well.

As long as your employer has listed your unpaid work hour, you can immediately access your earned wages even before the official payday.

Download on Google Play Download on the App Store

12. Klover


Klover, on the other hand, is a popular $100 loan instant app on the market. While providing cash advances with no interest fee, the requirements you have to meet are kind of longer than other apps on the list.

As mentioned earlier, the advance limit is USD 100. Yet, you can always increase the limit after using the app for a while. Klover won’t perform any background checks. It will also protect you from overdraft by giving you notifications in advance.

The only thing that makes Klover a bit so-so is the lack of a feature to build your credit score. Still, this platform is worth considering too.

Download on Google Play Download on the App Store

13. Cleo


Do you need a $50 loan instant app? Well, Cleo is a platform that will help you to get your cash before a payday up to USD 100. Other than that, you can track any transaction by using this app. You might be eligible for cash-backs later.

One of the most interesting things about this app is that you can set your spending limit. There is no interest rate you need to pay. However, you have to repay right on time.

Download on Google Play Download on the App Store

14. Empower


For those who need a personal financial assistant, Empower could be a good option. You will be able to control your money through this app and get a payday loan too.

As a great USD 50 loan instant app, this platform won’t charge you interest and late fees. Besides, the system won’t run any background checks in the first place.

Empower allows you to borrow up to USD 250 but your income should be at least USD 500. Of course, you can use this app for saving and reaching your financial goal.

Download on Google Play Download on the App Store

15. Current


Talking about the best small cash advance apps, Current is also part of the list. This platform might be new compared to other names on the list. However, it allows the users to get cash advances effortlessly.

All basic features are accessible through the free version. However, you have to sign up for its premium membership to access payday loans – it is USD 4.99 per month. 

Feel free to use its free trial in case you are not sure whether or not to commit to its paid plan. One of the most exciting things is a feature to overdraft up to USD 100 without an additional fee – another reason to consider Current, after all.

Download on Google Play Download on the App Store

16. MyPayNow


Talking about the apps that loan you money from your earnings, MyPayNow is one of the best apps you can try. This app might be new on the market but it comes with a series of useful features.

You can collect your money the same day. The repayment will be directly debited from your next payday. Keep in mind that you have to pay an extra 5% of the total amount of your loan.

The process is straightforward but you have to submit personal information before using all features offered by MyPayNow.

Download on Google Play Download on the App Store

17. Albert


Another option you can consider is Albert. By using this app, you can get a loan up to USD 250 instantly. No credit check is required and the system won’t charge you any hidden fee in the first place – unless you want the advance to come to your account way faster.

Albert also allows you to try its Pro Plan. This plan allows you to get cool perks and pay what you want. The subscription is as low as USD 6. You should consider this option, for sure.

Download on Google Play Download on the App Store

Final Thoughts

FloatMe is an excellent platform for a payday loan. Even though it seems simple and easy to take care of, many people are trapped in this kind of loan.

Many of the apps mentioned on the list above won’t charge you interest fees, overdraft fees, and many more. However, you may need to sign up for their premium plans, which may not be affordable for all.

Keep in mind that you won’t end up borrowing more than you need in the first place. Once you can fix your spending habits, these cash advance apps like FloatMe will give you lots of benefits.

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