Top Cash Advance Apps Besides MoneyLion in 2024

Do you ever need a little extra cash before payday? You’re not alone. Many people face unexpected bills or shortfalls throughout the month. MoneyLion is a popular app offering cash advances and other financial tools, but it’s not the only option.

This article explores 25 of the best cash advance apps in 2024, offering alternatives to MoneyLion. We’ll cover a variety of features, including access to earned wages, budgeting tools, and credit-building options.

Finding the Perfect MoneyLion Alternative

With so many cash advance apps available, choosing the right one can be overwhelming. Here’s what to consider:

• Cash Advance Needs: How much cash do you typically need upfront?
• Budgeting Goals: Do you want an app that helps you manage your money and avoid overdrafts?
• Fees: Know any subscription fees, interest rates, or transfer charges.
• Credit Building: Are you interested in building or improving your credit score?

Let’s dive into the top contenders!

Top 25 Cash Advance Apps like Moneylion

1. Dave:

• Features: Free cash advances up to $250, budgeting tools, and “overdraft protection” features that help avoid overdraft fees.
• Reviews & Ratings: Dave boasts a 4.7-star rating on the Google Play Store, with users praising its ease of use and helpful budgeting tools. However, some users mention occasional glitches with direct deposits.
• Website link: https://dave.com/

2. Brigit:

• Features: Cash advances up to $250, free credit monitoring to monitor your credit health, and auto-advance to avoid overdrafts.
• Reviews & Ratings: Brigit has a 4.6-star rating on the App Store. Users appreciate the credit monitoring feature and timely advances. Some reviews mention limitations on cash advance amounts.
• Website Link: https://www.hellobrigit.com/

3. Earnin:

• Features: Access earned wages up to $100 daily with lightning-speed transfers. Earnin also provides financial tips to help you manage your money better.
• Reviews & Ratings: Earnin enjoys a 4.7-star rating on the Google Play Store. Users love the fast access to earned wages and educational resources. However, be mindful of the daily limit on advances.
• Website link: https://www.earnin.com/

4. Chime:

• Features: Get early access to direct deposits, free mobile banking with no minimum balance, and access to a secured credit card to build credit (optional).
• Reviews & Ratings: Chime boasts a 4.4-star rating on the App Store. Users appreciate the early access to paychecks and the no-fee banking features. However, some reviews mention occasional customer service issues.
• Website link: https://www.chime.com/

5. Empower:

• Features: Cash advances up to $250, budgeting tools, bill pay features to stay organized, and optional credit-building features to improve your credit score.
• Reviews & Ratings: Empower has a 4.3-star rating on the Google Play Store. Users find the budgeting tools and bill pay features helpful. Be sure to check the fees associated with optional features like credit building.
• Playstore App: https://play.google.com/store/apps/details?id=com.participantmobileapp&hl=en&gl=US

6. Branch:

• Features: Earn up to 50% of your paycheck early, plus budgeting tools and financial education resources to empower you to make informed financial decisions.
• Website link: https://www.branchapp.com/

7. Klover:

• Features: Cash advances up to $500, free to use with optional tips for the service, and gamification features to encourage saving, making responsible money management more engaging.
• Website link: https://www.joinklover.com/

8. Affirm:

• Features: Financing option for online purchases, allowing you to split payments into installments with transparent fees. This can be a great alternative to credit cards for larger
• Website link: https://www.affirm.com/

9. Afterpay:

• Features: Split online purchases into smaller payments over time, interest-free, with no hidden fees. Afterpay is a popular option for splitting clothing, beauty, and homeware purchases.
• Reviews & Ratings: Afterpay has a 4.8-star rating on the Google Play Store. Users love the ease of use and the ability to manage smaller purchases without accruing interest. However, be mindful of the temptation to overspend, as late fees can apply.
• Website link: https://www.afterpay.com/

10. Avant:

• Features: Avant offers personal loans up to $35,000 for larger expenses. It is a more traditional loan option compared to cash advances, with a longer repayment term.
• Reviews & Ratings: Avant has a 4.3-star rating on Trustpilot. Users appreciate the fast funding and the potential for larger loan amounts. However, interest rates can be higher than other options, so careful consideration is needed.
• Website Link: https://www.avant.com/

Remember: Cash advance apps can be helpful, but borrowing responsibly is key. Always consider your budget and avoid accumulating excessive debt. We recommend thoroughly researching each app before choosing one that aligns with your needs.

11. Axos Bank:

• Features: Free mobile banking with optional high-yield savings accounts. This can be a good option for users who want a traditional banking experience with the potential to grow their savings.
• Reviews & Ratings: Axos Bank has a 4.3-star rating on Trustpilot. Users appreciate the user-friendly mobile app and the variety of account options. However, some reviews mention a lack of physical branches.
• Website link: https://www.axosbank.com/

12. Ingo Money:

• Features: Cash advances through participating retailers, often with a fee. Ingo Money offers a unique way to access cash advances, but the fees can be high.
• Reviews & Ratings: Ingo Money has a 3.9-star rating on Trustpilot. Users who find it convenient to access cash at retail locations leave positive reviews, while others mention high fees and limitations on cash advance amounts.
• Website link: https://www.ingomoney.com/

13. Payactiv:

• Features: Earn up to 50% of your paycheck early with potential fees. Payactiv can be a helpful option for those who need access to earned wages before payday.
• Reviews & Ratings: Payactiv has a 4.2-star rating on Google Play Store. Users appreciate the early access to wages, but some reviews mention fees and a complex fee structure.
• Website link: https://www.payactiv.com/get-started/

14. Possible Finance:

• Features: Cash advances up to $250, with a focus on financial education and building credit. Possible Finance goes beyond simply offering cash advances and provides resources to help users improve their financial health.
• Reviews & Ratings: Possible Finance has a 4.7-star rating on Trustpilot. Users appreciate the focus on financial education and the opportunity to build credit. Be aware that cash advance limits are smaller compared to some other apps.
• Website link: https://www.possiblefinance.com/

15. Wealthfront:

• Features: Robo-advisor investing platform with a cash account option for emergencies. Wealthfront is a robo-advisor investment platform that also offers a cash account. This can be a good option for users who want to grow their money while having access to emergency funds.
• Reviews & Ratings: Wealthfront has a 4.5-star rating on Trustpilot. Users appreciate the automated investing features and the ease of use. However, Wealthfront requires a minimum investment amount to open an account.
• Website link: https://www.wealthfront.com/

16. Even:

• Features: Earn up to 50% of your paycheck early with budgeting tools and financial wellness resources. It even integrates with your employer’s payroll system for a seamless experience.
• Reviews & Ratings: Even has a 4.2-star rating on Google Play Store. Users appreciate the early access to wages and the budgeting tools. However, some reviews mention limitations on eligibility, as it even works through employer partnerships.
• Website link: https://www.one.app/atwork/help-center

17. PockBox:

• Features: Cash advances up to $250 with a subscription fee and the option to build a safety net over time. PockBox offers a unique subscription-based model with a focus on building emergency savings.
• Reviews & Ratings: PockBox has a 4.4-star rating on the App Store. Users appreciate the focus on saving and the automatic build-up of a safety net. Be mindful of the subscription fee and the smaller cash advance limit compared to other apps.
• Website link:https://pockbox.com/

18. FlexWage:

• Features: Access earned wages before payday through employer-sponsored programs. FlexWage is similar to Even and requires employer participation to offer early wage access.
• Reviews & Ratings: FlexWage has a 3.9-star rating on Trustpilot. Positive reviews mention the convenience of early access to wages through employers. However, some users mention limitations on eligibility and a lack of features compared to standalone cash advance apps.
• Website link: https://www.flexwage.com/

19. B9:

• Features: Cash advances up to $1,000 with a focus on financial wellness and credit building. B9 offers a larger cash advance limit and combines it with financial education tools.
• Reviews & Ratings: B9 has a 4.6-star rating on the Google Play Store. Users appreciate the larger cash advance limit and the financial education resources. Be sure to check the fees associated with cash advances and credit-building features.
• Website link: https://b9.com/

20. LendUp:

• Features: LendUp offers small-dollar loans up to $250. It is an alternative to cash advances, but use with caution due to potentially high APRs.
• Reviews & Ratings: LendUp has a 3.8-star rating on Trustpilot. While some users find it helpful for small emergencies, be aware of the high borrowing costs and potential debt traps. Explore other options with lower fees first.
• Website link: https://www.lendup.com/

21. ActiveHours:

• Features: Earn up to 50% of earned wages before payday, with a focus on hourly workers. ActiveHours caters specifically to hourly workers who may have fluctuating pay schedules.
• Reviews & Ratings: ActiveHours has a 4.1-star rating on the Google Play Store. Users who are hourly workers appreciate the early access to wages. Be sure to check for any fees associated with accessing earned wages.
• Website link: https://www.activehours.com/

22. DailyPay:

• Features: Access earned wages daily with a subscription fee. DailyPay offers the most frequent access to earned wages but comes with a subscription fee.
• Reviews & Ratings: DailyPay has a 4.3-star rating on Trustpilot. Users who need the most frequent access to wages find it valuable. However, consider the subscription fee and if daily access is necessary compared to other options.
• Website link: https://dailypay.com/

23. CashNetUSA:

• Features: CashNetUSA offers payday loans up to $3,400. These are traditional options with high APRs. Use them responsibly and only as a last resort.
• Reviews & Ratings: CashNetUSA has a 2.8-star rating on Trustpilot. Due to the high costs of payday loans, many reviews are negative. Consider
• Website link: https://www.cashnetusa.com/

24. Varo Bank:

• Features: Free mobile banking with early access to direct deposits (up to 2 days early), and a secured credit card option to build credit. Varo Bank is a mobile-first bank that offers early access to direct deposits and credit-building tools.
• Reviews & Ratings: Varo Bank has a 4.2-star rating on Trustpilot. Users appreciate the early access to deposits and the no-fee banking features. Be aware that Varo Bank is still relatively new, and some users mention occasional customer service issues.
• Website link: https://www.varomoney.com/

25. Digit:

• Features: Digit is an automatic savings app that analyzes your spending and helps you save money without thinking about it. It isn’t a direct cash advance app, but it can be a helpful tool for building an emergency fund and avoiding the need for cash advances in the future.
• Reviews & Ratings: Digit has a 4.6-star rating on Trustpilot. Users appreciate the automated savings features and the ease of use. While Digit won’t provide immediate access to cash, it can be a valuable tool for long-term financial health.

Looking for a Custom Financial App Solution?

While this list provides a variety of cash advance apps, it might not encompass your specific needs. At SPECINDIA, we specialize in custom financial app development. Our team of experts can design and build a financial app tailored to your unique requirements, whether a budgeting app, a money management tool, or a more complex financial product.

We understand the importance of financial apps’ security, usability, and functionality. Contact us today to discuss your project and explore the possibilities of a custom-built financial app solution!

Conclusion

Finding the perfect cash advance app depends on your needs and financial situation. Consider factors like the amount of cash you need upfront, fees, budgeting tools, and credit-building features.

Remember: Cash advance apps can be a helpful solution for short-term emergencies, but use them responsibly. Always borrow within your means and have a plan to repay what you borrow. It’s also wise to explore alternative options like building an emergency fund to avoid relying on cash advances in the future.