Top 20 Best Payday Loan Apps 2021/2022

In this article, we will be reviewing the list of top 20 best payday loan apps for 2022. Lenders who grant you a high-interest loan for a short period of time operate payday loan apps, which are solely based on your income.

Usually, a portion of your next paycheck serves as its principal. Usually high interest rates are charged by payday loan apps even for short-term and instant credit. Additionally, they are known as check advance loans or cash advance loans.

Payday loan apps offer a sort of unsecured personal loan since they have high interest rates and no need for collateral. These loans are sometimes referred to as predatory lending since they contain exorbitant interest rates, don’t take a borrower’s capacity to pay back into account, and have unstated terms that charge borrowers additional costs. Therefore, they may put consumers in a debt trap.

Therefore if you’re thinking about using payday loan apps to access credit, you might want to start by considering safer personal loan options.

Top 20 Best Payday Loan Apps 2021/2022
Top 20 Best Payday Loan Apps 2021/2022

Your pay stubs from your company will typically be required as proof of income by payday loan apps. Following that, they will lend you a portion of the cash you will be paid. The loan must be repaid in a short period of time, usually 30 days or less.

Due to the fact that they don’t verify your ability to repay the loan, payday lenders assume a great deal of risk. As a result, they frequently demand very high interest rates for payday loan apps and may impose steep penalties if you fail to make your payments on time. For borrowers, this might be risky because it may mean that more borrowing will be required to pay back the original debt.

However in this article, we will bring forward for your consideration our comprehensive list of the top 20 best payday loan apps for your borrowing options for 2021/2022.

Here’s A List Of Our Top 20 Best Payday Loans Apps USA

  • Viva payday loans
  • Daily pay
  • Pay active
  • Loan solo
  • Cashapp
  • Cleo
  • Revolut
  • Branch
  • Even
  • Albert
  • Brigit
  • Sofi checking and savings
  • Earnin
  • Dave
  • Empower
  • Varo
  • Go2bank
  • Chime
  • Money lion
  • Flex wage

1. Viva Payday Loans

Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

If you’re seeking for a mobile app that will enable you borrow money instantly, you might want to seek out Viva Payday Loans. And its our first on the list of best payday loan apps in the USA.

One of the top-rated payday loan apps is Viva Payday Loans. The speedy loan approvals and transfers into your bank account the following business day are a point of pride for this software.

It takes fewer than five minutes to complete the full application procedure online.

You can select the loan amount you want to apply for on the website’s home page. The lender has included innovative elements on the page to let you select a loan amount between $100 and $5,000.

To apply, Click here

2. DailyPay

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

Our 2nd pick for the best payday loan apps in US for 2022 is DailyPay. You can use this app to retrieve your money before the following payday. It provides Earned Wage Access and requires support from your company, much like Even. DailyPay, like other apps in this category, enables you to rapidly transfer your unpaid earnings to a debit card, bank account, prepaid card, or paycard.

The funds are deposited into the bank by DailyPay, and the sum that has already been cashed out is deducted from the paycheck on payday. To use the service, though, you must pay $2.99.

To apply, Click here

3. PayActiv

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

PayActiv users can access earned money prior to payday and receive assistance with financial advice. The app’s platform was created to be more than just a substitute for payday loans, enabling users to pay their bills and receive savings on prescription medications. Its our third pick for the best payday loan apps.

You may even access your money quickly and conveniently with a debit card that is linked to your PayActiv account and has fraud protection. Users can use the service for free if they set up direct deposit to the card, or they can choose to pay a $1 daily fee.

To apply, Click here

4. Loan Solo

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

You can quickly receive money into your bank account without a lot of effort or cost. LoanSolo provides personal loans up to $3,000 and quick cash advances up to $1,000. APRs can change depending on the lender and your credit history. However, it may still be less expensive than paying the exorbitant fees connected with payday loans if you need to fill a gap or get ahead. Its among the amazing payday apps available.

To apply, Click here

5. Cashapp

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

Anyone who is at least 18 years old can open a CashApp account, our 5th pick for the best payday loan apps in the USA.. You can get your paychecks up to two days early when you sign up. If your monthly salary is at least $300, you are also eligible for free ATM withdrawals.

You may pay for services, send money to friends and family, and more using CashApp. Additionally, you can invest as little as $1 in Bitcoin and stocks. CashApp doesn’t charge a fee for its direct deposit service or for sending money to others. ATM withdrawals and cash card upgrades are subject to surcharges.

To apply, Click here

6. Cleo

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

Cleo isn’t a bank. It’s a payday loan app that links to your existing bank account. One of its key features is a salary advance benefit to help you avoid overdraft fees.

If you qualify, you can get an advance of $20 to $70 immediately. Once you pay it back, your cash advance limit can increase up to a maximum of $100. This feature requires no credit check and no proof of regular income. And you pay no interest on the money you borrow.

To apply, Click here

7. Revolut

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

Revolut is a financial technology company that makes it easy to access your entire paycheck early up to two days before your scheduled payday with a qualifying direct deposit payer.

Unlike some early direct deposit providers, Revolut doesn’t take any fees from your paycheck. And you’ll get a notification as soon as the funds hit your account  no more worrying about funds lost in limbo. Its our second pick for payday apps.

To apply, Click here

8. Branch

Top 20 Best Payday Loan Apps In US 2021/2022
Top 20 Best Payday Loan Apps In US 2021/2022

In the majority of the nations it works in, Branch, our 8th pick for the best payday loan apps, provides personal loans. It provides a cash advance in the US of up to $500 of your income or up to $150 per day. It provides free ATM access at more than 40,000 locations across the US, no-fee checking, and a debit card. Its one of our recommended payday apps.

Through the Branch app, you may also send and receive money as well as transfer money and pay bills. Instant advances to your debit card cost $2.99 to $4.99, however normal advances to your bank account are free and take up to three business days.

To apply, Click here

9. Even

Top 20 Best Payday Loan Apps In US 2021/2022
Top 20 Best Payday Loan Apps In US 2021/2022

Even, 9th pick for the best payday loan apps aids in on-demand payment by collaborating with thousands of employers who have joined forces with the business. The $8 monthly membership fee for the app is the only cost; there is no interest involved.

However, some employers cover all or a portion of that expense. The Even app not only notifies you of forthcoming payments and how much you need for them, but it also assists you in budgeting from salary to paycheck.

To apply, Click here

10. Albert

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

You can receive up to $250 from Albert from your upcoming paycheck. No fees, interest, or credit check are involved. Simply return the $250 when you receive your subsequent paycheck. Its our 10th pick for payday apps.

You will end up paying a modest fee if you subscribe to Albert Genius, a program where you can ask Albert’s financial experts questions regarding money, if you need that money right away (in 10 minutes or less).

To apply, Click here

11. Brigit

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

If you’re okay with the $9.99 monthly membership charge, this payday advance app will transfer you up to $250 that you’ve already earned in less than a minute. You must provide evidence of your monthly income as well as the duration of your bank account (it has to be at least 60 days old, which is common among these apps). Its our eleventh pick for payday apps.

You can receive a cash advance of up to $250 once Brigit is confident that everything is legitimate and that you will truly be receiving a paycheck. When you receive payment, Brigit’s account will be automatically credited with the amount you owe her.

To apply, Click here

12. SoFi Checking And Savings

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

You should set up direct deposit with SoFi, just like you would with many other payday advance apps on this list (many of them are really more like online banks that offer the payday advance option). If you comply, you might receive your paycheck up to two days earlier than usual. Its our twelfth pick for payday apps

To apply, Click here

13. Earnin

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

Earnin is our 13th pick for the best payday loan apps in the US.

You can receive up to $500 from your paycheck and up to $100 per day with this payday advance app. In Earnin’s opinion, freelancers may find it difficult to demonstrate that they receive a paycheck because you are required to disclose your checking account details.

The money, however, will be given to you without charge or interest. Just a gratuity is requested, with a suggested amount of 4%. Its one of our picks for payday apps

To apply, Click here

14. Dave

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

Although there is a means to earn $200, Dave only allows advances of up to $100. (it involves getting a Dave debit card and a Dave spending account). No interest will be added to your balance, however a gratuity of up to 20% will be requested.

To use the app, you must also pay a $1 monthly subscription charge. It’s important to note that there will be a cost of between $1.99 and $5.99 if you require the money immediately, such as within eight hours. However, there is no charge if you can wait a couple of days. Its our fourteenth pick for payday apps.

Dave will assist you with money management. In the event that your account balance is insufficient or you are unable to pay a bill that Dave is aware will be due.

To apply, Click here

15. Empower

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

You can receive a cash advance from Empower up to $250, which you’ll immediately reimburse when you get paid. There are “no interest, no late fees, and no risk to your credit,” as the website advertises. Its our fifteenth pick for payday apps.

However, there is a $8 monthly subscription cost, so you should consider whether the program is worthwhile before signing up. You are paying a monthly cost for Empower’s features, which include savings, budgeting, and expense-tracking tools, despite the website’s claim that “The $8 price is for the banking and budgeting tools and does not have an association with advancing.”

To apply, Click here

16.Varo

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

Our sixteenth pick for payday apps is Varo. This is another online bank account with a few features for payday advances. Varo, like Chime, can deliver your paycheck to you as soon as it clears the bank, which is typically 48 hours faster than traditional banks. Varo will also give you a free $20 advance if you need your money sooner.

However, you will start to pay if you require more than that. The maximum amount of your paycheck that can be advanced is $100, and the maximum fee you’ll have to pay is $5. You must repay the advance within 15 to 30 days.

To apply, Click here

17.Go2bank

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

If your Go2bank account receives direct deposits, you can receive your complete paycheck early for no additional cost. how soon? You may receive government benefits up to four days early; up to two days. You’ll pay $5 each month if your Go2bank account doesn’t receive direct deposits.

To apply, Click here

18. Chime

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

Your check will become available as soon as your bank receives the funds if you have a Chime online bank account and your employer offers direct deposit.

Chime just manages to get the money to you faster than many banks, which typically keep checks for 48 hours before making them available to the customer. In reality, it’s an online bank account with a payday advance option, despite what its TV advertising on the subject claim. Its our eighteenth pick for payday apps

To apply Click here

19. Money Lion

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

You can join up for Money Lion simply known  as RoarMoney, which allows you to receive a $1,000 cash advance, or you can sign up for the Instacash option, which will grant you a cash advance of up to $250.

Your direct deposits will be made into a RoarMoney account if you choose the latter option. Additionally, you’ll receive everything a financial institution would typically offer, including a debit card and access to ATM networks.

Additionally, you might not be eligible for a $1,000 cash advance. It might be lower. It depends on various elements, including how much cash is regularly deposited directly into your RoarMoney account.

ALSO READ: How To Get A Loan Using The UBA No Wahala Loan Code 2022

Having a RoarMoney account costs $1 per month, and you must pay $3.99 for rapid cash delivery.

To apply, Click here

20. Flex Wage

 Top 20 Best Payday Apps 2022
Top 20 Best Payday Loan Apps In US 2021/2022

FlexWage works to enable workers to access their earned earnings whenever they need to, much like the other payday loan substitutes listed. These applications for payday loans are becoming more and more popular because they help employees who are stressed out about money. Additionally, payroll advances free firms from the administrative headaches that come with them. Its one of our recommended payday apps.

In addition, FlexWage provides reloadable payroll debit cards for workers who typically receive paper checks. Workers who lack banking services and are unable to accept direct deposits may find this useful.

To apply, Click here

Frequently Asked Questions (FAQs) About The Best Payday Loan Apps

Which Payday Loan App Is The Best?

  • Dave.
  • Empower.
  • Earnin.
  • PayActiv.
  • Brigit.
  • MoneyLion.

How Do I Borrow 200 From Cashapp?

  • Open Cash App.
  • Tap on your Cash App balance located at the lower left corner.
  • Go to the “Banking” header.
  • Check for the word “Borrow.”
  • If you see “Borrow,” you can take out a Cash App loan.
  • Tap on “Borrow.”
  • Tap “Unlock.”
  • Cash App will tell you how much you’ll be able to borrow

What Apps Will Let You Borrow Money Instantly?

Cash advance apps like Earnin, Dave and Brigit let you borrow a small amount from your next paycheck before you receive it. This quick fix may be helpful if you need cash in an emergency, but look for cheaper options before you borrow from an app.

Do You Need Reputable Cash Advance Apps Like Dave, Earnin Or Other Payday Advance Apps For Quick And Emergency Cash?

Cash Advance Apps Have Changed The Dynamics of The Loan Industry Globally
Moneycabal.com is promoting ethical lending services in Nigeria in particular and globally in general. The website also in partnership with QUICK LOAN ARENA is fighting fake loan apps and loan shark harassment against customers across board

In need of an instant loan apps in Nigeria? You can apply through any of the top loan apps in Nigeria and get funded within few hours.

If you are in United States of America (USA), you can also apply for an emergency cash advance loan even if you have a poor or bad credit rating. If you need the top and best Apps For No Credit Check Loans Guaranteed Approval Direct Lender, CLICK HERE.

These Top 10 Best Instant Loans No Credit Checks Guaranteed Online Approval are also highly recommended.

If you are in Canada, these 10 cash advance loan apps could meet your emergency and quick cash loan request.

For instant, payday, emergency or advance cash loan if you are in Australia, CLICK HERE.

If you are in the UK, Click Payday Loans for our 22 best payday loan direct lenders.

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About the Author: Femi Adeoya

Mr Femi Adeoya is a Chartered Forensic Accountant and a Certified Fraud Examiner. He has over 20 years professional work experience in accounting, finance and business management processes. As an Accounting Software Expert, he has implemented and supervised accounting solution set up of over 50 small and medium businesses in Nigeria. As a passionate blogger, Mr Adeoya is an ardent writer and communicationist. He is the CEO of QUICK LOAN ARENA (quickloanarena.com), the number 1 loan apps review website in Nigeria. He is very passionate about the quick and instant loan industry in Nigeria and has written over 200 reviews on different loan apps and digital banks in Nigeria, USA, Canada and UK.

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