Best 12 Apps Like Earnin 2025 (Quick cash advances)

If you’re short on cash and need a little money to get by until your next paycheck, the Earnin app and other alternatives like it may help. Apps like Earnin may offer no-interest small cash advances or ask for tips instead of charging customers fees.

Nearly 80% of American workers are living from paycheck to paycheck. And worst of all, this even includes those Americans that earn over $100,000 annually. Needless to say, you can’t even dream about savings when your net income is close to zero. But this isn’t the biggest problem – if your payments are due earlier than your payday, then a few stressful days are guaranteed.

Apps like Earnin can provide a helping hand in such situations. The assistance isn’t free, of course, but it’s better to pay a small fee than to sit without electricity or water for days or patronize expensive payday loans.

What is Earnin App?

Earnin is one of the best banking and cash advance apps, offering quick payday advances since 2014 by allowing users get paid today, from what they already earned, up to $100 per day with no mandatory monthly fees, interest or credit check. The app connects with a user’s bank account, tracks work hours using timesheets or GPS and then sends a cash advance within three days. The Earnin loan app allows you choose what you want to pay, called “tip” to support the service. This method of offering ‘tip’ as consideration for the pay on demand service is a radical change from the way the American financial system typically functions.

Best 12 Apps Like Earnin 2025

If you are living from paycheck to paycheck and you are looking for similar apps like Earnin to make cash advances rates and offering comparisons, then it is good to try credible Earnin alternatives available to help you bridge this gap.

The best alternative apps like Earnin for quick and instant payday cash advances are DailyPay App, Bridget App, Branch App, Chime App, Current App, Dave App, Albert App, Empower App and Even App. These online lending platforms can help you access between $100 to $250 from the pay you’ve already earned, without any interest, overdraft charges or credit check.

1. DailyPay App

If you’re looking for alternative apps like Earnin to help you solve urgent financial needs when you’re low on cash without attracting hefty overdraft fees on your account, DailyPay is one of the best options to consider. With this platform, you can get an advance on your earnings before your next payday and save over $1,205 in overdraft fees, loan interest, and late fees.

Whenever you clock in for a shift, your earnings for the day will be added to your DailyPay account. You can transfer the earned amount to your bank account any time you want and DailyPay will deduct the advances from your salary when payday comes around.

2. Brigit App

Brigit is one of the best alternative apps like Earnin that let you borrow money and pay back when your next paycheck is deposited. The online lending marketplace offers up to $250 cash advance. On top of that, the platform allows you to extend the due date on your first loan once without incurring a penalty or late fee.

The more you use the service, you’ll be able to earn more extension credits that will let you postpone loan repayment up to three times in a row. Brigit charges a membership fee, but the price points and benefits differ greatly.

3. Branch App

Branch is one of the best payday apps like Earnin available in the market today. The service is designed to help employees get faster access to their wages, keep track of payments and balances, get spending reports regularly, and receive alerts about upcoming bills.

This fintech platform is particularly useful for employers who have lots of underbanked or unbanked employees. It provides them with a free digital account and debit card for transactions. Branch lets you withdraw up to $500 in advance per pay cycle of $150 per day based on how many hours of work you do and wages you earn. However, the catch is that your employer also has to set up an account on Branch.

 4. Cash App

If you are looking for an app that can do a little bit of everything, then Cash App, is a great choice. Aside from allowing you to receive your tax returns or paychecks up to two days early just like Earnin, Cash App also lets you send and receive payments or make donations. You may get the Cash Card debit card as well – with the Cash Card, you may pay online and in stores. The Cash App offers some investment opportunities as well, allowing you to make investments in stocks and Bitcoin.

5. Chime App

Chime is one of the most trusted and reliable alternative apps like Earnin in 2023. The platform allows you request up to $200 but you have to start building your account to qualify. However if you’re in urgent need of a little cash, Chime can lend you up to $100 before your paycheck arrives.

With Chime’s Spot Me feature, you can overdraw up to $200 on your account depending on your repayment history. The service is completely free to use. It charges zero maintenance fees, no transaction fees, no minimum balance fees, nor any hidden fees.

6. Dave App

Dave is one of the best apps like Earnin to ever exist. With this platform, you get paid up to two days early, build your credit history, and get up to $200 cash advances without paying a fee. However there may be limitations to the digital loans on offer. First of all, you can’t expect a lot of money. Most of them offer about $100 to $500 and in most cases, you have to pay the money back in a month. In some cases they may have monthly membership fees, typically between $1 to $5.

7. Albert App

Albert is a financial app that provides you with an emergency cash advance of up to $250 against your next paycheck. When you make a request, they’ll send the money directly into your bank account. You repay the advance upon deposit of your next paycheck. Albert cash advances are interest free and no late fee is charged. The negative balance will be deducted from the next paycheck once the user is paid.

8. Empower App

The process with Empower is simple. You can withdraw from $25 to $250 and you pay automatically when you receive your next paycheck. It’s a leading instant cash advance app that works like Earnin that can be used when you want a quick payday advance app but don’t want to deal with interest rates or late fees.

Consider using Empower to receive up to $250 whenever you need a cash injection to take care of your bills and expenses. When you apply for a loan on the platform the money will be disbursed to your Empower checking account free of charge or to an external bank account for a flat fee of $3.

9. Even App

Even app is one of the leading cash advances app that work similar to Earnin. Whether you need to fill your gas tank, pay a bill, treat yourself to a good time, or buy groceries, Even is there to help you deal with life’s surprises by giving you access to cash within minutes. To be eligible to borrow money from Even, you need to work for a qualifying employer. Even will then furnish you with an advance of up to 50% from your paycheck depending on your salary history.

Just like Earnin, Even does not collect interest rates or taxes when you take a payday advance from the service. However, like its counterpart, Even requires a monthly subscription fee to enable you to cash out from the platform.

10. FlexWage App

FlexWage is one of the top alternative apps similar to Earnin, helping employees access their earned wages before payday to settle their financial obligations. With its OnDemand Pay feature, you can request a cash advance from your salary. However it is your employer that gets to determine your advance limit and how often you can request an advance. Once approved, the app gives you immediate access to your wages before payday.

11. LendUp App

LendUp is a trusted and reliable platform that works like Earnin, and makes it easy to borrow money and get fast approval for a loan. After you apply online, you can get approved and paid in as little as one business day. Credit checks won’t affect your score. LendUp is a friendly alternative to payday loan sharks. Especially since they offer free online courses designed to help you get control of your financial destiny.

12. MoneyLion App

MoneyLion is one of the best cash advance apps like Earnin in the lending market today. The platform operates a personal finance app that offers useful banking tools, including a RoarMoney account, giving users early access to direct deposit paychecks.

MoneyLion Credit Builder Plus program offers credit-builder loans up to $1,000 to be repaid over 12 months (with a $19.99 monthly fee). The app will report your payments to the major credit bureaus to help you improve your credit score.

MoneyLion’s Instacash feature is for cash advances up to $500 with 0% APR. Standard delivery is free, and can arrive between 24 hours and five business days. To be eligible, you need to have an active linked checking account that’s been open for at least two months, receives direct deposits, and shows a positive balance.

How Does Apps Like Earnin Work?

Alternative apps like Earnin will help you get by without trapping you into the pit of debt. Earnin, a cash advance app, has been helping people get the money they’ve already earned prior to payday while avoiding bank overdraft fees. It’s not just Earnin now, but many similar Apps like Earnin have started to emerge, giving you more and potentially better alternatives.

With Earnin, you can access a portion of your paycheck ahead of time. Depending on your paycheck, you can get an advance of up to $100. You’ll pay Earnin back once you receive your paycheck. The ability to tap into a modest advance can help you avoid bank fees that can really cut into your budget over time.

The new fintech evolution is disrupting the loan industry like a quake by helping underserved Americans access the tools they need to get ahead financially. And the best part is that payday alternative apps like Earnin are making these tools available for free. Although there is an optional tipping feature, you don’t have to give a tip if you cannot afford it.

What Are the Pros & Cons of Earnin App?

With Earnin, you get paid today and can access up to $100 per day from the pay you’ve already earned, without hidden fees or interest. The app does not charge any overdraft fees or interest. You choose what you want to pay to support the service called “tips”. This is a radical change from the way the American financial system typically functions. Keep in mind that Earnin doesn’t work with Chime or Varo due to issues with maintaining connectivity. So you’ll likely want to find other cash advance apps like Earnin that work with these new digital banks.

The following are the merits and demerits of the Earnin wage access application:

Pros

• • • • No mandatory fees.
      • Low optional fees.
      • Potentially large advances.

Cons

• • • Requires access to your bank account.
    • May require access to your location or contact you through your work email address.
    • May cause your bank to charge an overdraft fee if you don’t have sufficient funds on the due date.

What Are The Eligibility Requirements for accessing loan from the Earnin App?

There are a few requirements regarding your employment and how you receive your paychecks to use the Earnin app. You must:

• Be an employee paid via direct deposit.
• Have at least 50% of your total income must direct deposit to your checking account
• Have a consistent pay schedule (weekly, bi-weekly, or monthly)
• Work in a fixed location
• Provide a timesheet (either an electronic, paper printout, or PDF-style)
• Remote workers are not currently supported with the Earnin app.

Why are cash advance apps like Earnin better than payday loans?

Earnin and other cash advance apps are similar to payday loans as they both allow you to quickly borrow money for the short-term, usually without a credit check.

Where they differ is in interest rates. Payday loans typically have high-interest rates, which can prove difficult for some to repay fully. You could find yourself taking out multiple payday loans, trapped in a cycle of debt. Cash advance apps don’t have high-interest rates, and limit how much you can borrow at a time, making it easier to repay and improving your financial stability in the long term.

How quickly will I get my money with a cash advance app like Earnin?

How quickly you get funds from Earnin or another cash advance app varies across providers. You will need to factor in how long it takes to apply and be approved (typically one to two days), as well as how long your particular app guarantees delivery. Often cash advances can transfer to your account within minutes up to three business days (in some cases as long as five business days). There is often an option for express or turbo delivery; however, it can come with a small fee.

What apps let me borrow money instantly?

Apps such as Earnin, MoneyLion, Dave, and Brigit can instantly transfer money to your bank account. Note that there is usually a fee for speedy delivery, but the upside is that it can sometimes get to you in minutes.

Is there a better app than Earnin?

Dave and Brigit are better apps than Earnin. Consider using Dave or Brigit if you want a few tools to help build credit, avoid bank fees, and get cash advances. The free membership plan for Brigit provides financial insights to improve how you earn and save money. However Dave comes with a monthly membership fees.

Does Earnin work with cash app?

Yes, Earnin can work with cash app. This allows you to transfer funds from your Earnin account to your Cash App account and vice versa. This can be useful if you need to transfer money from one account to another quickly. To link your Earnin account to your Cash App account, you will need to follow a few simple steps.

• • • You need to download the Earnin app
    • Sign up,
    • Open the Earnin app and navigate to the “Cash Out” page
    • Select Cash App from the available options in the account settings.
    • Follow the prompts to link your Cash App account to your Earnin account.

Once your accounts are linked, you can transfer funds between them by selecting the option to “Cash Out” in the Earnin app and choosing your Cash App account as the destination. You can also transfer funds from your Cash App account to your Earnin account by using the “Add Money” feature in the Earnin app. Other compatible apps with cash app include Albert, Dave, and MoneyLion.

What other apps are similar to Earnin?

Yes, there are several apps like EarnIn, including Dave, Albert, Current, Varo, Cash App, Chime, and Revolut.

What app will let me borrow 250 instantly?

Varo, Albert, and Dave offer the ability to borrow $250 or more instantly.

Does Earnin work with Chime?

No, it doesn’t. Earnin doesn’t work with Chime due to issues with maintaining connectivity. While many interest free cash advance apps such as Empower, Cleo, MoneyLion, Branch, Dave, Albert and Varo work seamlessly with Chime and do not require credit check and can deliver cash deposit into your account very quickly in minutes, however a few applications such as Earnin, Varo, Brigit, and other similar apps do not work with Chime.

However while Earnin and other apps like Earning may not currently be compatible with Chime, they may do so in the near future as they continue update their app features.

What Are Cash Advance Apps like Earnin?

Cash advance apps offer a quick and convenient solution for unexpected expenses or a financial emergencies. You can borrow money on a short-term basis, often until your next paycheck.

To be eligible for most cash advance apps, you must have an active checking account and show evidence of recurring direct deposits. Once approved and the request submitted, funds are deposited directly into your bank account.

Popular options include Earnin, MoneyLion, Albert, and Dave. Before enrolling, review the app’s terms and conditions, read reviews, and compare your options. Decide on the most important features, and make sure it accommodates the advance limit you expect you will need.

What apps lend you money right away?

Apps like Dave, Albert, Current, Varo, Cash App, and Chime provide options for borrowing money right away.

How do I contact Earnin Customer service and support?

There are several steps and options available to users who want to contact Earnin customer service including the following:

What Is the Earnin Customer Service Phone Number?

If you have questions about Earnin’s Agreements or operational procedures, you can call or contact Earnin toll-free phone number: 1-888-551-1784. This Earnin contact number serves as a means to address a spectrum of concerns, including comprehension of the working process, resolution of issues related to fund transfers, repayment intricacies, and effective account management.

The Earnin customer service team is committed to providing holistic assistance, guaranteeing a smooth and seamless encounter with their services. Whether it is clarifying terms or resolving specific issues, call Earnin to receive tailored guidance and support.

How Can I Contact Earnin Support via Email Address?

To get in touch with Earnin customer service via email, you have two specific avenues at your service. First, if you need general assistance or have questions, use the Earnin customer service email address, care@earnin.com. Similarly, when you are required to send in complaints and address concerns, the Earnin customer service email address is complaints@earnin.com. These

Earning customer service email channels are thoughtfully established to cater to varying needs, ensuring customers can effectively communicate their questions, issues, or feedback to the Earnin customer service team. This particular approach to contacting customer service ensures that the customers receive timely and tailored assistance whenever necessary.

Can I Contact Earnin Customer Care via Live Chat?

Yes you can. You can also contact Earnin contact support through the live chat feature. However, the Earnin contact support via the live chat functionality is only accessible on the mobile app. If you’re on a mobile device, click here to contact a community advocate.

EarnIn offers in-app 24/7 live chat support. The chat experience is conversational, meaning your chat history is saved (similar text messaging). Chats do not get disconnected. Respond at your convenience.
If you don’t have a mobile device, send us a direct message on Facebook, X (Twitter) or Instagram. The app community advocates are always here to help!

Earnin Login

The following details are provided relating to Earnin login.

EarnIn offers three different options for logging into the app.

• • • Password (along with your phone number or email)
    • A biometric login – fingerprint or face ID
    • A pincode

After setting your password. You can change your login method at any time. To do so:

• • • Open Settings, by tapping on the three-bar icon () in the lower right corner of the app.
    • Tap Manage Security.
    • If you haven’t set up a biometric login, you will be prompted to set up a fingerprint or face ID. Tap X in the upper left to dismiss.
    • You can then create or update your 4-digit pin, re-enter the same 4 digits to confirm.
    • Follow the same process to update or disable your biometric login or pin code.

Follow How to reset your EarnIn password to change your password.

Can I login to my EarnIn account using a PC or laptop?

It is not possible to use a PC or laptop to access your EarnIn account because:

• • • There are security concerns since a PC or laptop can have multiple users. We want to make sure that it is only you who has access to your EarnIn account.
    • We also have our GPS earnings feature which updates your earnings depending on how long you’re at work. This feature won’t be able to add earnings correctly if you use multiple devices. Providing us the address where you physically work, and keeping your mobile GPS on, helps verify your work hours to make sure you’re able to access the money you’ve worked for.

Is Earnin App Legit?

EarnIn is a safe and legit earned wage access application that allows users and consumers up to access paycheck before it gets deposited into their bank account, up to $100 per day and $750 per pay period. you to access your. The pay advance app doesn’t charge any mandatory fees and it has low optional fees with potentially large advances. However it has some demerits such as the requirement to access your bank account, your location or contact you through your work email address. Earnin app may also cause your bank to charge an overdraft fee if you don’t have sufficient funds on the repayment due date.

Earnin Product Details

How to update my EarnIn app

Keeping your app up-to-date will help us get your money to you as fast as possible. We want to make sure you have the most current version of the app so you can take advantage of any new updates and features we add. To update your app, please take the following steps so you can keep cashing out!

For Android:

• • Open the Google Play Store app.
  • Tap Menu Settings.
  • Go to Auto-update apps.
  • Select either of these options:
  • Over any network to update apps using either Wi-Fi or mobile data or
  • Over Wi-Fi only to update apps only when connected to Wi-Fi.

For iOS:

• Open the App Store.
• Please note: If you’re using iOS 12 or earlier, tap Today at the bottom of the screen.
• Tap your profile icon at the top of the screen.
• Scroll down to see pending updates and release notes.
• Tap Update next to the EarnIn app to update only that app, or tap Update All to update all your apps.

Earnin Review 2024

The Earnin app is a popular choice for many strapped-for-cash between paydays. One reason it’s so appealing to users is that it doesn’t have hidden fees or require a subscription. However, a downside is that Earnin limits the amount you can borrow to $100 per day, which may not be enough to cover your expenses.

However EarnIn app allows you draw from your earned wages before payday . Instead of charging interest, the app asks users to provide an optional tip for the service. EarnIn advances, called “Cash Out,” can be relatively large but are only available to employees who receive their paycheck by direct deposit. The cost to get an advance is relatively inexpensive, with low fast-funding fees and an optional tip capped at $14.

Conclusion

Apps like Earnin may come with helpful features like no-interest cash advances and additional tools to help you avoid overdrawing your account. But some of these apps do charge a membership fee or other charges, so you’ll want to choose carefully. Many of these apps could be a good potential alternative not just to Earnin, but to taking out payday loans, which can come with APRs as high as 400%.

Alternative apps like Earnin offer thousands of Americans the opportunity and privilege to borrow small amounts of money such as like $50, $100, $150, $200 and $250 in the form of payday advances. Some may have additional features such as credit-building, saving and budgeting tools, but may require a monthly membership fee. If you are experiencing financial difficulty or living from paycheck to paycheck and you need some small and short credit line to help you until payday, many alternative apps like Earning are now available to bridge the gap.