17 Apps Like Earnin as Alternatives to Have Money Before Payday

Getting paid before your actual payday can offer major relief when bills are due or an emergency comes up. While Earnin is among the most popular apps for accessing earned wages ahead of schedule, it’s not the only one. If you’re looking for more options, this article walks you through 17 alternatives that offer similar features, with varying approaches to fees, repayment, and user experience.

1–3: MoneyLion, Dave, and Brigit

1. MoneyLion offers a wide range of financial tools, including cash advances through its Instacash feature. There’s no interest charged, though optional subscriptions unlock more benefits. It’s a robust option for users who want financial planning and early wage access in one place.

2. Dave is a simpler app providing small cash advances (typically up to £100) without interest. It works on a tipping model and charges a small monthly fee. The app also includes budgeting features to help you manage cash flow and avoid overdrafts.

3. Brigit focuses on financial health. With a monthly fee, you get access to cash advances, budgeting tools, and credit tracking. Approval is based on an analysis of your spending habits, making it selective but focused on long-term wellness.

These three apps offer different strengths—from full-service platforms to straightforward, low-fee options—letting you choose what best suits your financial style.

4–6: Chime, Albert, and Cleo

4. Chime provides early direct deposit, which can help users receive pay up to two days sooner. While not a cash advance per se, it serves the same function for those with predictable income. It’s fee-free and includes overdraft protection but requires employer cooperation.

5. Albert combines budgeting, savings, and cash advances. The optional Genius subscription offers financial advice, and you can request up to £250 in advance. However, the feature may not be instantly available for new users or those without usage history.

6. Cleo is a chatbot-based assistant that provides small advances based on spending analysis. It’s engaging and educational, with the Cleo Plus upgrade unlocking more features. However, its advance limits and costs vary by user data and behaviour.

Together, these apps focus on modern banking with user-friendly interfaces, though they rely on data analysis that may not favour everyone equally.

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7–17: FloatMe, Klover, and Other Notable Mentions

7. FloatMe gives small advances (under £50) with minimal fees. It’s designed to prevent overdrafts rather than cover large expenses. Users benefit from financial tracking tools and real-time alerts.

8. Klover offers cash advances without traditional fees by leveraging advertising and surveys. This makes it attractive for those avoiding subscriptions, but it raises data privacy questions and sometimes lacks transparency in features.

9. Branch works with employers to allow access to earned wages directly through their payroll systems. It’s ideal for those whose workplaces support it.

10. PayActiv is widely adopted by businesses for employee early wage access. It integrates seamlessly with payroll systems but is employer-dependent.

11. Empower provides advances up to £250 and focuses on building financial habits through coaching and spending insights. There's a monthly fee, but its coaching component adds value.

12. Possible Finance is structured more like a small personal loan app. It offers larger amounts than typical cash advance apps, but with higher scrutiny and structured repayments.

13. Even partners with employers to give real-time access to earned income. It combines wage access with budgeting tools, providing transparency and predictability for users.

14. B9 (if available in your region) offers early pay access with no interest, relying on subscription fees. It appeals to users with predictable pay cycles.

15. DailyPay also collaborates with employers, allowing employees to transfer earned but unpaid wages to their bank accounts instantly.

16. ZayZoon functions similarly to DailyPay and PayActiv, enabling early access based on hours worked, with modest fees for transfers.

17. Rain is another employer-integrated solution that lets employees access part of their earned wages before payday.

These final options vary widely. Some work only if your employer participates, while others offer broader public access. Many provide useful budgeting or tracking tools, but not all disclose their data use or costs clearly.

Conclusion

With many apps now offering ways to get paid before payday, users have more flexibility and control over their finances. From simple advances to full-service financial tools, there’s likely an app that matches your needs. However, be cautious. Some platforms lack full transparency, and in certain cases, the whitepapers or user terms are difficult to access. Always take time to review app permissions, data policies, and user reviews before sharing sensitive information.

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Frequently Asked Questions

1. Are these cash advance apps safe?

Most are, but it's important to read user reviews and privacy policies before using them.

2. Do these apps charge interest or fees?

Some apps operate on tips or subscriptions, while others may rely on data monetisation.

3. Which app offers the highest cash advance?

Apps like MoneyLion and Empower typically offer higher limits, depending on your financial activity and account history.