Cash advance apps like Earnin are not something new nowadays. Several people use these platforms to get their paycheck early. Of course, some pros and cons are worth considering before applying for a specific platform.
This article, on the other hand, covers all the information you need to know about the best alternatives to Earnin – as well as cash advance platforms that would be worth your consideration.
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Best Apps Like Earnin for Android and iOS
Well, there are quite many apps that serve similar services to Earnin. However, not all apps are created equal. Here are some other apps like Earnin that might be worth your consideration, especially if you are looking for a robust platform that offers more than a cash advance.
PayPal is simply the best money transfer app in every aspect possible. It comes with a series of services that will accommodate your transaction needs. With excellent speed and abundant convenience, PayPal deserves the top spot on this list.
Since this platform is a well-known one, there is no need to worry about security and privacy. Using PayPal for transferring funds is also effortless. The amount of money that you can send is up to USD60,000 but terms and conditions apply.
However, the transaction fee is among the highest on the list. Thus, if you are looking for something with a more affordable option then PayPal might not be the best option. On the other hand, this platform is an excellent choice for those who are willing to pay for transaction fees.
Have you ever heard of WorldRemit? This platform is fairly segmented but you will find lots of benefits by using it. As an excellent instant bank transfer without debit card, WorldRemit provides services to send money around the world within 24 hours.
Other than allowing users to transfer money effortlessly, this platform also often offers promos. You can even get free transfers for the first three transactions when using WorldRemit. This app is popular for its deposit options and effortless operation, regardless of where you are living. Besides, there is no hidden fee.
However, WorldRemit is not without any flaw, after all. According to other users, the transfer fees are quite complex. And even though you can send money to various countries, this platform only accommodates transfers within 130 countries across the globe. Thus, you better consider whether to use it or not.
Albert has become one of the most popular payday apps like Earnin for years. This app is popular because it doesn’t charge any fee nor interest for those who need cash advance. Users can even get up to USD250.
The system will deliver the money within three business days. Of course, you can get it faster if you are willing to pay a fee. Still, users can decide to use the free version.
There are a bunch of features that will help you navigate your finances. Other than coming with an overdraft protection feature, Albert doesn’t run any credit check in the first place. All you need to do is to repay the loan right on time – and move on. All in all Albert is a perfect platform for those who prefer straightforwardness.
Chime is not a new player in the industry, after all. On the list of money apps, this platform is one of the best alternatives you could ask for – especially if you are looking for something like Earnin. Other than being an online bank account, this platform also offers another convenience for users. One of them is to access your paycheck faster.
If you create an account within the platform with direct deposit, you can access your wages in the account. Other than that, you can get your paycheck up to two days before the payday. People love Chime because there is no hidden fee. Other than that, you can set automatic savings through the app.
Even though this app is more about an online banking app, you can opt for a debit card. Later, you can use a Chime debit card for various transactions across the globe. More than anything, this platform is a worth-considering one – especially if your employer uses the same platform too.
Are you looking for apps similar to Earnin but with more options of features? Well, you should consider using MoneyLion. This platform comes up with interest-free service for those who need cash loans. Other than that, you can get your paycheck before payday.
For the first time, this platform may only provide USD25. However, as the time goes by and you have used the platform quite often, you can get up to USD250. There is no hidden fee, after all. You can even create an account on this platform effortlessly.
However, if you want to enjoy the highest cash advance then you better put at least USD1 in your account. It is worth considering, after all.
If you are looking for cash apps like Earnin that offer versatility then you may only find a few options on the market. One of those options is Brigit. This platform allows you to get up to USD250 before your paycheck arrives. Other than that, there is no need to run a credit check in the first place.
Meanwhile, paying back your debt early is doable. In case you have a good record while using this app, you can extend the due date. Keep in mind that this option is only for those who sign up for the Brigit subscription plan – it costs USD9.99 per month. The subscription price might not be the most affordable on the list but it surely is a good deal, especially if you will use the app a lot.
Brigit may not run any credit check. However, you need to show at least three direct deposits from your paycheck. Other than that, you need a checking account with a balance within the last 60 days. If you are signing up for the paid subscription, you can build credit as well.
Dave is surely not a stranger in the industry. As a popular instant cash app, this platform offers many features that make it stand out in the crowd. One of the most interesting things about this platform is the overdraft protection.
This platform will also lend you a small amount of money, depending on how much you can pay back. More than anything, this platform is a perfect place for those who look for a digital app that provides a cash advance.
Another interesting thing offered by Dave is the guides and suggestions to find side hustle. You should explore all the options offered by this platform before deciding on using Dave – it applies for all apps, after all.
8. Axos Bank
Axos Bank is a bit different from all the instant cash advance apps on this list. Instead of being a cash advance app, this platform is more about a full-service bank with online services. By that, you can create checking and savings accounts securely.
This platform also offers several options, from loans to investment options. You can also enjoy all the features offered especially when it comes to finance management. Similar to cash advance platforms, you can enjoy your paycheck up to two days early.
If all you need is a paycheck advance app like Earnin, then you can check out Even. This app is an excellent platform where you can get payment-on-demand service. One of the most interesting features offered by this platform is that there is no interest fee involved.
However, you need to pay for a monthly subscription as much as USD8. Other than helping you with cash advance, you can utilize the budgeting tool so that you can manage your paycheck from time to time.
Klover deserves a place on the list of cash advance apps. This platform offers you convenience to grab extra cash earlier, before your payday is coming. All you need to do is to ensure that you have made three direct deposits within two months. Other than that, you have to work for the same employer for the past two month.
If you feel like you have the requirements then you should give this platform a try. Also, you might be eligible to get USD100 cash advance. Just make sure that you read the terms of service before applying for anything, after all.
The next app that is worth your consideration is Cleo. This one is one of the best apps for instant money – it’s not a bank, after all. However, you can link your Cleo account to your bank account. Later, you can grab your salary advance benefits. By that, you don’t need to deal with overdraft fees.
Cleo can grant you from USD20 to USD70 for the first time. However, after using the app, you can get the cash advance up to USD100. The best part is that you don’t need to pay any interest in the first place.
This app is free to download and use – however, several features offered by Cleo are only available on its paid version. You have to sign up for Cleo Plus – it costs USD5.99. Other than giving you a cash advance, this platform comes up with a budgeting tool to track your spending.
Instead of being one of the best instant money apps. Varo is more about an online banking app that delivers excellent services. By using this platform, you may access your paycheck way faster than using a general bank account.
Similar to most apps on this list, you have to create an account if you plan to enjoy all the services offered by this platform. Other than that, your paycheck will arrive in your account right after your employer transfers the funds. By that, you may receive your money up to two days in advance.
There is no need to pay a monthly fee. Varo also doesn’t require the users to have minimum balance in their account. This platform is one of the few platforms on this list that helps you to build a credit score. Feel free to check the terms of services before using the entire features, after all.
When it comes to free apps like Earnin, you may find a few options on the app market. SoFi is one of those platforms that are worth your consideration. You can create checking and saving accounts so that you can get your cash before payday is coming – up to two days early.
Why should you use SoFi, after all? Well, there are a few interesting things offered by this platform. All you need to do is to create an account on this platform while no fee is charged. Other than that, the platform provides overdraft protection up to USD50 for free. SoFi also supports up to 55,000 ATMs across the countries – you don’t need to pay for anything, at all.
SoFi works with several tenants. Thus, if you make payments by using your SoFi account, you might be eligible to earn a 15% cashback. This platform also offers a series of tools to manage your finances. You can lock your account in case you don’t want to use it for daily spending.
All in all, SoFi is a perfect platform for those who look for an alternative to Earnin. Make sure that you check the terms and conditions before signing up for a specific platform, after all.
There are various apps on the app market that may offer instant cash features. However, it is crucial to know the terms and conditions before choosing a specific platform. All the apps mentioned above surely offer a fast solution, especially if you compare the service with what you get from the banks.
This is why checking the terms and conditions becomes more crucial. Regardless of your choice, it is always better to stay away from consumptive debt. And that’s a wrap – these are several apps like Earnin to help you make it till the next payday.