FrontPay is a cash advance website that offers $15 to $100 with no credit check, interest or tipping required. But you’ll need a linked bank account with at least $400 in recurring direct deposits from an employer to qualify. Plus, you can try the service for free, but you’ll be charged a $14.99 monthly membership fee on your next payday.
The initial advance is quite low, according to reviewers, often $15 to $40, and there are no extra features like budgeting or credit tools. FrontPay is also web-only, and there aren’t any verifiable customer reviews on the Better Business Bureau (BBB) or Trustpilot.
We pulled together a list of sites like FrontPay, but with bigger advances, lower costs and better reputations.
Current is a fintech banking company that's accredited by the Better Business Bureau (BBB) with an A rating. Like FrontPay, eligibility with Current is determined by your direct deposits. But while FrontPay advances max out at $100, Current can advance you up to $750 per pay period. And you won't have to pay any subscription fees with Current — unlike the $14.99 charged by FrontPay.
Current is also more widely available. FrontPay isn't currently licensed to operate in all 50 states, while Current is. And there's no question about Current's legitimacy — unlike FrontPay, which has no app, no social media engagement and no physical office.
Loan amount
$50 - $750
Turnaround time
Up to 3 days or within an hour for a fee
Costs
Free
Available in all states
Current is a fintech banking company that's accredited by the Better Business Bureau (BBB) with an A rating. Like FrontPay, eligibility with Current is determined by your direct deposits. But while FrontPay advances max out at $100, Current can advance you up to $750 per pay period. And you won't have to pay any subscription fees with Current — unlike the $14.99 charged by FrontPay.
Current is also more widely available. FrontPay isn't currently licensed to operate in all 50 states, while Current is. And there's no question about Current's legitimacy — unlike FrontPay, which has no app, no social media engagement and no physical office.
If FrontPay's $14.99 monthly subscription fee turned you off, try EarnIn instead. Like FrontPay, EarnIn offers no-interest cash advances and doesn't require a credit check, but without any mandatory fees. Instead, EarnIn runs on an optional tip model, so you can support the service if you choose to.
EarnIn also stands out for offering a mobile app, unlike FrontPay, which operates only through a website. And while FrontPay advances typically top out at $40 for new users, EarnIn lets eligible users borrow up to $150 per day and up to $750 per pay period, depending on your account history and income.
Loan amount
Up to $750
Turnaround time
1 to 2 business days or within 30 minutes for a fee
Costs
Free to use or within minutes with a fee as low as $2.99 per transfer
Not available in: Connecticut
If FrontPay's $14.99 monthly subscription fee turned you off, try EarnIn instead. Like FrontPay, EarnIn offers no-interest cash advances and doesn't require a credit check, but without any mandatory fees. Instead, EarnIn runs on an optional tip model, so you can support the service if you choose to.
EarnIn also stands out for offering a mobile app, unlike FrontPay, which operates only through a website. And while FrontPay advances typically top out at $40 for new users, EarnIn lets eligible users borrow up to $150 per day and up to $750 per pay period, depending on your account history and income.
Pros
No required fees or subscriptions
Same-day funding with Lightning Speed option
No credit check needed
Cons
Requires consistent direct deposit income
Can only qualify with income from employment (not government benefits)
Some users may need to track work hours to verify income
APR
0%
Loan amount
Up to $150/day, with a max of $750 between paydays
Loan Term
1 to 4 weeks
Turnaround time
1 to 2 business days or within 30 minutes for a fee
EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.
Loan amount
Up to $750
Turnaround time
1 to 2 business days or within 30 minutes for a fee
Costs
Free to use or within minutes with a fee as low as $2.99 per transfer
Brigit is a solid alternative to FrontPay if customer support and reputation matter to you. It has a 4.8-star rating in the App Store with hundreds of thousands of reviews, while FrontPay has no app and little user feedback outside Reddit threads. Brigit also offers up to $250 in no-interest advances ($150 more than what FrontPay offers) with no credit check and a mobile app packed with tools for budgeting, alerts and credit building.
However, Brigit charges an $8.99 monthly fee for its Plus plan, which allows access to cash advances. That's a bit cheaper than FrontPay's $14.99 subscription, and users often report more value from Brigit's additional tools and stronger customer service.
Loan amount
$50 - $250
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
Brigit is a solid alternative to FrontPay if customer support and reputation matter to you. It has a 4.8-star rating in the App Store with hundreds of thousands of reviews, while FrontPay has no app and little user feedback outside Reddit threads. Brigit also offers up to $250 in no-interest advances ($150 more than what FrontPay offers) with no credit check and a mobile app packed with tools for budgeting, alerts and credit building.
However, Brigit charges an $8.99 monthly fee for its Plus plan, which allows access to cash advances. That's a bit cheaper than FrontPay's $14.99 subscription, and users often report more value from Brigit's additional tools and stronger customer service.
Pros
High ratings on The App Store, Google Play, Trustpilot and BBB
Budgeting and credit-building tools included
Up to $250 in interest-free advances
Cons
$8.99 monthly fee for cash advance access
Advance eligibility depends on spending habits and deposit history
Premium plan required if you want instant access to advances for free
Loan amount
$50 to $250
Loan Term
Until your next payday, but can extend
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
Loan amount
$50 - $250
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
If FrontPay doesn't seem like it's worth the $14.99 fee, Cleo may feel like a better deal. While both platforms charge a monthly fee and offer no-interest cash advances, Cleo's fees are lower and come with tools to help with budgeting, saving and building credit. It's a more feature-rich experience compared to FrontPay's simple cash advance site.
Cleo offers advances of up to $250 with same-day funding available for an express fee, offering users up to $150 more than FrontPay. And unlike FrontPay, Cleo gives you the option to choose your repayment date, so it doesn't have to be your next payday. That flexibility, combined with its lower subscription fee and additional features, makes Cleo a better option for users who want short-term cash along with tools to manage their money.
Loan amount
$20 - $250
Turnaround time
3 to 4 days or instant for a fee.
Costs
$5.99 monthly membership fee to access cash advances
Available in all states
If FrontPay doesn't seem like it's worth the $14.99 fee, Cleo may feel like a better deal. While both platforms charge a monthly fee and offer no-interest cash advances, Cleo's fees are lower and come with tools to help with budgeting, saving and building credit. It's a more feature-rich experience compared to FrontPay's simple cash advance site.
Cleo offers advances of up to $250 with same-day funding available for an express fee, offering users up to $150 more than FrontPay. And unlike FrontPay, Cleo gives you the option to choose your repayment date, so it doesn't have to be your next payday. That flexibility, combined with its lower subscription fee and additional features, makes Cleo a better option for users who want short-term cash along with tools to manage their money.
Pros
Advances up to $250 with no interest or tips required
Includes budgeting and credit-building tools
Positive reviews on the App Store, Google Play and Trustpilot
Cons
First-time users are limited to $100 max
Monthly membership fee required for advances
Express funding costs extra
APR
0%
Loan amount
Up to $250
Loan Term
Next deposit
Turnaround time
3 to 4 days or instant for a fee.
Loan amount
$20 - $250
Turnaround time
3 to 4 days or instant for a fee.
Costs
$5.99 monthly membership fee to access cash advances
Varo is a nationally chartered bank with FDIC insurance, BBB accreditation and an A- rating. Much more reliable if you're concerned with FrontPay's lack of transparency and reviews. It offers cash advances up to $500 with no interest or late fees, and unlike FrontPay, there's no monthly subscription — just a flat fee per advance. Plus, Varo gives you 30 days to repay, higher than many other apps.
Varo also offers a high-yield savings account, early payday access and a credit builder card, making it a full-service financial app. While it requires $800 a month in qualifying direct deposits, many reviewers say it's worth it for its ease and trustworthiness.
Loan amount
$20 - $500
Turnaround time
Instant, once qualified
Costs
No membership fee, instant transfer fee up to $40
Varo is a nationally chartered bank with FDIC insurance, BBB accreditation and an A- rating. Much more reliable if you're concerned with FrontPay's lack of transparency and reviews. It offers cash advances up to $500 with no interest or late fees, and unlike FrontPay, there's no monthly subscription — just a flat fee per advance. Plus, Varo gives you 30 days to repay, higher than many other apps.
Varo also offers a high-yield savings account, early payday access and a credit builder card, making it a full-service financial app. While it requires $800 a month in qualifying direct deposits, many reviewers say it's worth it for its ease and trustworthiness.
FrontPay is a website that offers cash advances of $15 to $100. To qualify, you need to link a bank account that has at least $400 in recurring direct deposits from an employer or government benefits.
There’s no credit check required, and you don’t have to pay any interest or tips, but you will be charged a $14.99 monthly membership fee, which will be debited from your bank account on your next payday. Approved advances are often low ($15 to $40), and there are no other advertised features on the FrontPay website, so the steep monthly subscription might not be worth it.
There’s also no feedback available from existing customers on the BBB or Trustpilot websites, so it’s hard to gauge whether this cash advance lender is reputable. Note: FrontPay is a website only, not an app. There is an app called “FrontPay” available in the App Store, but it’s a payment transfer service based in Pakistan.
Pros
Credit check not required
Free to try until your next payday
No interest or tips required
Cons
$14.99 monthly subscription fee
Limited customer service options
No additional features
Alternatives to cash advance apps
If you prefer to avoid cash advance apps altogether, here are a few alternatives that may work for you:
Credit card cash advance. A credit card advance allows you to withdraw cash against your credit limit at an ATM or bank. But be aware: interest rates are higher than on purchased goods, and interest is charged from day one.
Personal loan. If you need to cover larger expenses, a personal loan may be a better option than a cash advance. It will be more difficult to qualify, but you can still get your money quickly. Some lenders even offer same-day funding.
Buy now, pay later (BNPL) services. Buy now, pay later tools like Affirm or Klarna won’t give you cash, but they let you split purchases into smaller payments with little or no interest, allowing you to bridge gaps in your budget between paydays.
Employer-based advances. If you’re strapped for cash, find out if the company you work for offers paycheck advances. Some employers partner with services like Payactiv or DailyPay to offer paycheck advances as an added employee benefit.
Payday Alternative Loans (PALs). PALs are small loans between $200 and $1,000 offered through select federal credit unions. Rates are capped at 28%, which includes an application fee of $20 max. Borrowers are given up to several months to repay the loan, making this a more affordable option than other small-dollar loans.
Why avoid payday and installment loans
You might have noticed we didn’t include any payday lenders or installment loans on our list of alternatives. We tend to advise against these options because they’re often predatory, with high interest rates and fees that can trap borrowers in long-term debt. It’s best to stick to reputable cash advance apps to lower the cost of borrowing.
Christi Gorbett is a freelance writer with more than eight years of experience and a master's degree in English. She’s created a wide range of content for banks, financial product comparison sites, and marketing companies on topics like small business loans, credit cards, mortgages, retirement planning, lender reviews, and more.
As a former teacher, Christi excels at making complex financial topics accessible and easy to understand. Her interest in finance grew when she returned to the U.S. after living in South Korea for nearly a decade.
This shift was driven by several personal financial challenges: rebuilding her financial base after the move home, starting her own business, and catching up on retirement savings. These experiences deepened Christi’s practical understanding of finance and intensified her interest in the field. See full bio
If you need extra cash between paychecks, Earnin offers withdrawals on the money you’ve already earned — without charging a fee.
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