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Apps like Brigit

Looking for higher advances or lower fees? Consider these other cash advance apps instead.

Bethany Hickey's headshot
Lacey Stark's headshot

By

Bethany Hickey

&

Lacey Stark

Edited by

Megan B. Shepherd

Updated

Brigit lets you access up to $250 per pay period and get advances within minutes for free with a Premium subscription or for a fee. It also features automatic overdraft protection, identity theft protection and the ability to extend your repayment date up to three times.

But with a high membership fee of $8.99 to $14.99 a month, Brigit isn’t the most competitively priced option, and its $250 maximum is lower than some apps. If you’d rather skip the monthly fee or need a larger amount, choose from these other options.

LenderLoan amountFeesSpeed
CleoUp to $250$5.993 to 4 days or instant for a fee.
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EarnInUp to $150/day, with a max of $750 between paydaysNo membership fee1 to 3 business days or within minutes for a fee starting at $2.99 per transfer
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Albert$25 to $250$16.99Instant
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DaveUp to $500UndisclosedUp to 3 business days or instant for a fee
Read review
MoneyLionUp to $500 or $1,000 with RoarMoney accountFree (or $1 to $5 for RoarMoney account)Up to 5 days or instant for a fee of $0.49 to $8.99
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Cash App$20 to $200N/ASame day
Read review
Possible FinanceUp to $500FreeAs fast as 1 business day
Read review

Our 7 top picks for apps like Brigit

Alternative for freelancers

Cleo

4.1 / 5 ★★★★★

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If you're a freelancer or gig worker with multiple side hustles, Cleo is made for you. Unlike Brigit, Cleo doesn't require you to have income from the same employer and it doesn't have a minimum income requirement. As long as you have consistent income, you could qualify for cash advances.

Cleo cash advance amounts start around $20 to $70, but that amount can increase to $250 over time. Cleo also packs in features to help you budget and track your spending and bills better. Cash advances are available on the Cleo app through its paid plan, which costs $5.99 a month. If you need a same-day transfer, it's an additional $3.99 to $8.99, depending on the advance amount.

  • Available in all states
Pros
  • No minimum income requirements
  • No credit checks or interest charges
  • Free AI financial planner, bill tracker and low-balance alerts
Cons
  • Monthly fee to access cash advances
  • Borrowing amounts are limited initially
  • Mixed customer reviews
Loan amountUp to $250
Loan TermNext deposit
Turnaround time3 to 4 days or instant for a fee.

Alternative for employed borrowers

EarnIn

4.7 / 5 ★★★★★

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EarnIn is a cash advance app that lets you borrow up to $750 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps, including Brigit. And, unlike payday loans, there are no interest or financing fees to use Cash Outs.

To qualify for EarnIn Cash Outs, you must be employed, have regular direct deposits and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account or more than $150 per day to an EarnIn card. Regular transfers are available in one to three business days or minutes for a fee.

  • Not available in: Connecticut
Partner terms and conditions
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.
Pros
  • No credit check required
  • No interest or mandatory tipping
  • Free credit score tracking included
  • Cash Out more than $150 per day with an EarnIn card
Cons
  • Verification of employment earnings required
  • Same-day (Lightning) transfers attract a fee
  • Can only qualify with employment income
  • Not ideal for gig workers
Loan amountUp to $150/day, with a max of $750 between paydays
Loan Term1 to 4 weeks
Turnaround time1 to 3 business days or within minutes for a fee starting at $2.99 per transfer

Alternative for no fee cash advances

Albert

4.4 / 5 ★★★★★

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Albert offers both cash advances and overdraft protection up to $250, , and overdraft protection doesn't require a fee for fast transfers like Brigit. There are no late fees, inactivity fees or interest charges, and you may qualify for multiple advances per pay period, which is rare for these apps.

But you need a Genius subscription to qualify for advances, which costs $16.99 a month — a bit more than Brigit. Albert also offers a debit card, early paycheck access, investing and budgeting tools and saving features.

  • Available in all states
Pros
  • May qualify for multiple advances per pay period
  • No interest or late fees
  • No fees for instant overdraft protection
Cons
  • Requires a Genius subscription
  • Monthly fee is more than Brigit
  • Not everyone can qualify for the largest advances
Loan amount$25 to $250
Loan TermWithin 6 days of overdraft, with possible 7-day extension
Turnaround timeInstant

Alternative for low monthly fees

Dave ExtraCash

4.2 / 5 ★★★★★

Dave offers larger loan amounts than Brigit, with cash advances up to $500 per pay period. The Dave app also offers a checking account and digital debit card with no overdraft fees or minimum deposit to open — a great alternative to Brigit's overdraft protection. Another feature, Side Hustle, can help you find local jobs for extra cash.

However, Dave's delivery speed could be slower than Brigit's. Getting your funds may take up to three business days. Plus, instant delivery fees can go as high as $25, which is more than Brigit charges.

  • Available in all states
Pros
  • Higher advance amounts than Brigit
  • No interest or late fees
  • Side Hustle feature
Cons
  • Charges a monthly subscription fee
  • High max $25 instant delivery fee
  • Need $1,000 in monthly deposits to qualify for highest advances
Loan amountUp to $500
Loan TermVaries
Turnaround timeUp to 3 business days or instant for a fee

Alternative for large cash advances

MoneyLion Instacash advances

4.5 / 5 ★★★★★

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MoneyLion doesn't require a monthly membership fee, unlike Brigit, and members of its free membership may be eligible for advances up to $500. Several other paid membership options are available, such as RoarMoney for $1 to $5 per month, which may increase your max cash advance to $1,000 per pay period. However, qualifying for the highest cash advance amounts can take a few weeks.

On the downside, MoneyLion's multiple membership tiers can be confusing. There may be too many options and too much overlap, making it difficult to choose the right plan. Plus, it has a lot of poor customer reviews and an alert on BBB for a pattern of complaints.

  • Available in: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming
Pros
  • Higher cash advances than Brigit
  • Paid membership not required
  • Multiple financial services available
Cons
  • Benefits not entirely clear with all membership tiers
  • May take weeks to qualify for max cash advance
  • Pattern of complaints on BBB
Loan amountUp to $500 or $1,000 with RoarMoney account
Loan TermDue by your next pay date
Turnaround timeUp to 5 days or instant for a fee of $0.49 to $8.99

Alternative for all-in-one banking

Cash App

Cash App is chock-full of mobile banking features. A top-ranked banking app in app stores, Cash App offers free peer-to-peer payment services, a Cash App debit card linked to your account, direct deposit, investing, buying and selling crypto and much more. There's also no membership fee, unlike Brigit's monthly fee.

If you need quick cash, Cash App might offer a solution, too. One of its newer features is called Borrow, offering qualified borrowers loans up to $200 — much higher than Brigit's $250. It's not available to all users, but the loans typically have a four-week repayment period and a flat 5% fee per loan. If you miss your final due date, you'll be charged a weekly 1.25% late fee.

However, Cash App's reviews aren't great. It's received thousands of complaints on its Better Business Bureau (BBB) profile, and the vast majority of reviews on Trustpilot are negative. Many users mention issues with refunds, encountering scam profiles and poor customer support.

  • Available in all states
Pros
  • No membership fees
  • Borrow feature offers small loans
  • Free Visa debit card linked to account balance
  • Invest in stocks and crypto
Cons
  • 5% fee for loans
  • 1.25% weekly late fee if you miss your due date
  • Poor customer reviews
  • Borrow feature not widely available
Loan amount$20 to $200
Loan TermVaries
Turnaround timeSame day

Alternative for credit-building

Possible Finance Mobile Installment Loans

Unlike Brigit or the other alternatives on this list, Possible Finance isn't a cash advance app. Instead, it offers short-term installment loans. One of the biggest advantages of Possible Finance is that it reports its loans to two of the three credit bureaus, so you might increase your credit score with timely payments — a perk that doesn't normally come with payday loans or cash advance apps.

There's no credit check, but costs and loan amounts do vary by state. Possible's installment loans are only available in 16 states. Plan on around $15 to $20 per $100 borrowed. But watch out — in some cases, you may face a 460% APR, which is comparable to pricey payday loans.

  • Available in: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington
Pros
  • Helps to build credit
  • No credit check
  • No membership fees
  • Borrow loans from the app
Cons
  • APRs can get high
  • Costs and loans vary by state
Loan amount$50 - $500
APR150% to 460%
Interest rate typeFixed
Loan Term2 to 8 weeks
Turnaround timeAs fast as 1 business day

How does Brigit compare?

Brigit has a host of financial budgeting and spending tools, automatic overdraft protection up to $250 and instant delivery within 20 minutes of a cash advance request — for an additional instant transfer fee.

Unfortunately, the $8.99 to $14.99 monthly membership fee may not be worth it. Some apps don’t require a monthly membership to get small loans or cash advances with regular turnaround, including Possible Finance, EarnIn and MoneyLion.

Some users complain that the advance amounts they qualify for — such as $50 — are too low to justify the monthly subscription fee. It may only be worth it for those who take out frequent cash advances or want Brigit’s credit-builder program and $1 million in identity theft protection.

Learn more about the app in our detailed Brigit cash advance review.

Pros

  • No interest charges
  • Move due date up to three times
  • No late fees or obligation to tip
  • Automatic overdraft protection

Cons

  • High monthly membership fee of $8.99 to $14.99
  • Up to three-day turnaround
  • May not qualify for the largest advance amounts

Alternatives to cash advance apps

If you decide a cash advance app isn’t the right move for you, consider these alternatives.

  • Personal loan. If you’re looking for a larger loan amount — or a longer repayment term — you may want to consider a personal loan, but you may need good credit to qualify.
  • Payday alternative loan (PAL). Some federal credit unions offer payday alternative loans to members at reasonable rates and longer loan terms. Other banks and credit unions may also offer a version of these small loans to customers in good standing.
  • Buy now, pay later (BNPL) loans. While it won’t give you access to cash, a BNPL loan can allow you to make a large purchase and pay it off in four installments, often without interest.
  • Credit card cash advance. While rates are typically higher on cash advances than purchases, it’s a fast and easy way to access cash in an emergency.
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To make sure you get accurate and helpful information, this guide has been edited by Megan B. Shepherd as part of our fact-checking process.
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Editor, Banking

Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

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Bethany has written 448 Finder guides across topics including:
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Writer

Lacey Stark is a freelance personal finance writer for Finder, specializing in banking, loans, investing, estate planning, and more. She has 20 years of experience writing and editing for magazines, newspapers, and online publications. A word nerd from childhood, Lacey officially got her start reporting on live sporting events and moved on to cover topics such as construction, technology, and travel before finding her niche in personal finance. Originally from New England, she received her bachelor’s degree from the University of Denver and completed a postgraduate journalism program at Metropolitan State University also in Denver. She currently lives in Chicagoland with her dog Chunk and likes to read and play golf. See full bio

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