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. In this article, I will be reviewing top 20 online lending marketplaces where you can access small cash advances from reliable and trusted alternative apps and platforms like Earnin in 2023.
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.
What is Earnin?
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. With Earnin there are no mandatory monthly fees or interest. You choose what you want to pay to support the service. 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.
Top 20 Online Marketplaces And Apps Like Earnin That Can Give You Guaranteed Approval Payday Advances in 2023 Without Any Credit Check
Some of the best alternative apps like Earnin with guaranteed approval cash advances options before payday in 2023 include DailyPay App, Bridget App, Branch App, Chime App, Current App, Dave App, Albert App, Empower App and Even App among other reliable and trusted platforms. These online lending marketplaces can help you access between $100 to $250 from the pay you’ve already earned, without hidden fees, interest or overdraft charges.
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.
5. 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.
6. 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.
7. 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 our 9th pick on our list of instant cash advance apps like Earnin. Want a quick payday 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.
8. 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.
9. 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.
10. 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.
Other online lending platforms and alternative apps like Earnin in the loan marketplace that can help you with emergency cash advance before your next payday without incurring interest or overdraft charges in 2023 include:
11. MoneyLion
12. Possible Finance
13. PayActiv
14. PockBox
15. Speedy Cash
16. Rainy Day Lending
17. SoLo Funds
18. Vola Finance
19. Yotta
20. Zirtue
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.
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%.
Some of the best apps like Earnin with guaranteed approval and without any form of credit check in 2023 include DailyPay App, Bridget App, Chime App, Current App, Dave App, Albert App, Empower App and Even App among other trusted platforms. These online lending marketplaces can help you access between $100 to $250 from your earned wages without any hidden fee or overdraft charges and then pay back at your next paycheck.
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.
