This article will cover apps similar to EarnIn for getting your pay early which help you access your pay early.
These apps provide financial leeway and budgeting features, and offer cash advances without expensive interest, credit checks, or payday loan trap fees. These apps will help you pay your bills.
Key Poinst & Best apps like EarnIn For Early Payday Access
| App | Key Point |
|---|---|
| MoneyLion | Cash advances up to ~$500 (or ~$1,000 with recurring deposits); no interest, no mandatory fees; optional “Turbo” for faster delivery. |
| Brigit | Advances ~$25–$500, no credit check, no interest, no mandatory tips; budget & credit-building tools included. |
| Chime (Get Paid Early / MyPay) | Early access to paycheck (up to 2 days early) when direct deposit is set up; advance up to ~$500 with no interest and no credit check. |
| Albert | Offers “Instant” advances (up to ~$1,000) with no interest and no subscription fee; also financial tools & insights. |
| Empower | Provides cash advance options (~$10-250) alongside budgeting tools; may require monthly fee. |
| Dave | Advances up to ~$500 with no interest; has optional subscription and fees for fastest delivery. |
| Klover | Cash advances up to ~$250; often requires app engagement (ads, tasks) and a small subscription fee. |
| FloatMe | Smaller advances (~$10-50 initially); simple model, fewer features than premium ones. |
| Cleo | Offers cash advance features (~$100) plus budgeting/AI-chatbot style insights; fewer advance-specific features. |
| Gerald | Fee-free cash advance + BNPL model in one (no interest/late fees); less common but emerging. |
10 Best apps like EarnIn For Early Payday Access
1. MoneyLion
MoneyLion has a feature called “Instacash®” which lets some users access US $500 expected pay on cash advances (more with qualifying deposits) before payday without interest, credit checks, or fees.
Users can select 1-5 business days Standard Delivery at no fee or pay an optional Turbo fee to access their cash advance faster.
What stands out is that it’s included with banking, investing, and budgeting features- offering a complete application ecosystem. What to watch is the delivery fee and the regulation scrutiny on high effective fees.
| Feature | Description |
|---|---|
| Advance Amount | Up to $500 (or more with qualifying deposits). |
| Interest/Fees | No interest; optional Turbo fee for instant delivery. |
| Credit Check | No credit check required. |
| Repayment | Automatically deducted on next payday. |
| Additional Tools | Banking, investing, and credit-builder options. |
| Availability | Primarily U.S. users with direct deposit accounts. |
| Unique Perk | All-in-one finance app with rewards and credit monitoring. |
2. Brigit
Brigit functions as both a personal finance app and a budgeting tool and has a cash advance (Instant Cash) feature
Users can access cash advances (depending on eligibility) of about US $25 to US $250 before their payday with no tips, no late fees, and no credit checks.
It also provides alerts that your bank balance has a chance of getting too low, potentially helping to gauge your finances, and helping to avoid overdraft fees.
What stands out: the easy-to-understand structure, interest-free cash advances, and the automatic budgeting assistance.
What to consider: some features require a paid monthly subscription; the advance amounts are not big; and taking out multiple cash advances in a short period might indicate budgeting issues.
| Feature | Description |
|---|---|
| Advance Amount | $25 – $250 per request. |
| Interest/Fees | No interest or hidden fees. |
| Membership | Optional Plus Plan ($9.99/month) for premium tools. |
| Credit Check | No credit check. |
| Repayment | Automatically repaid on next payday. |
| Extra Features | Budgeting insights, overdraft alerts, and credit builder. |
| Unique Perk | Predictive low-balance alerts to prevent overdraft fees. |
3. Chime (Get Paid Early / MyPay)
Chime has two primary early-pay features. One is “Get Paid Early,” which lets you access cash up to two days earlier than you would get with traditional banks after you set up direct deposits.
The other is “MyPay®,” which lets you access up to $500 of your upcoming paycheck ahead of payday—with no interest, mandatory fees, or credit checks.
What stands out about these features is that they are integrated into a checking account of a neobank, so you are getting access your complete payroll in cash, instead of just getting an advanced paycheck.
The one thing to note about these features is that your employer or payroll provider has control over early direct deposits.
The MyPay advance is a credit line (with eligibility requirements) which may not always be accessible.
| Feature | Description |
|---|---|
| Advance Amount | Up to $500 (via MyPay). |
| Early Deposit | Paycheck arrives up to 2 days early with direct deposit. |
| Interest/Fees | No interest or mandatory fees. |
| Credit Check | Not required. |
| Repayment | Auto-deducted when paycheck posts. |
| Extra Features | No-fee overdraft, spending account, debit card. |
| Unique Perk | Combines early-pay + full neobank services. |
4. Albert
The app Albert offers cash advances of US $25 – US $1,000 before customers receive their next paycheck which Albert offers as an “Instant Advance.”
Albert advertises being interest and late fee free, though there are cash advance fees for instant external-account transfers.
What’s good is that case and advanced cash can be combined to access the other features of the app, which advanced cash can be integrated to budgeting, saving, and investing features.
What’s not as good and worthy of review is that advanced cash availability is linked to account subscriptions and account linked is mandatory.
Even account subscriptions would require the account to be actively used, as the flexibility of advanced cash is the short duration repayment of six days, thus a reliance on receipt of payment to be guaranteed.
| Feature | Description |
|---|---|
| Advance Amount | $25 – $1,000 depending on eligibility. |
| Interest/Fees | No interest; instant delivery fee may apply. |
| Credit Check | No credit check. |
| Repayment | Typically due in 6 days or next paycheck. |
| Extra Features | Budgeting, investing, and saving tools. |
| Membership | Optional Albert Genius subscription. |
| Unique Perk | Combines early access with smart-saving automation. |
5. Empower
Tilt offers an early-pay service as part of its financial wellness dashboard. You can request cash advances, for instance, $10 to $300, and it offers budgeting, integrated account aggregation, and savings tools.
There is no “interest,” but after the trial, the monthly subscription is about $8 and there is a small fee for faster transfers.
What it offers: comprehensive and integrated early-access to finances is a satisfying bundle to track and manage one’s finances.
Things to keep in mind: subscription and transfer fees can become significant, advance limits might be lower than “pure” paycheck-access apps, and there can be state/region restrictions.
| Feature | Description |
|---|---|
| Advance Amount | $10 – $250 per pay cycle. |
| Interest/Fees | No interest; $8 monthly membership after trial. |
| Credit Check | Not required. |
| Repayment | Automatically repaid on payday. |
| Extra Features | Spending tracker, savings goals, auto-budgeting. |
| Instant Transfer Fee | Optional small fee for fast deposit. |
| Unique Perk | Combines early-pay access with finance coaching tools. |
6. Dave
Dave provides access of up to US $500 of your earned cash to you before your payday without interest with an optional tip*.
With the added budgeting features, the app also provides monthly overdraft alerts which help you prepare before overdraft situations.
What to like: Services are plain and straightforward and features are nicely integrated with checking accounts; the advance limit is increased at times.
What to consider: Frequency of a tip, which is optional, can make it feel like a fee; cash advance must still be repaid with your next deposit; needing these cash advances frequently can indicate potential cash-flow problems.
| Feature | Description |
|---|---|
| Advance Amount | Up to $500 (ExtraCash feature). |
| Interest/Fees | No interest; optional “tip” model. |
| Credit Check | Not required. |
| Repayment | Auto-deducted next payday. |
| Membership | $1 monthly subscription. |
| Extra Features | Budgeting, overdraft alerts, and credit building. |
| Unique Perk | Simple setup + built-in checking account. |
7. Klover
Klover is a cash-advance app providing no-interest cash-advance amounts (typically US $200 or US $400 for qualifying patrons) ahead of pay with no credit inquiry.
Users complete assigned surveys or watch ads to boost earning possibilities with no interest cash advances.
What stands out are the low entry barriers, small cash advances, and the combination with micro-assignments.
One of the most important notes is that you may have to pay a monthly subscription to get complete functionality
The cash advances are relatively small, the micro-assignments may seem like “add-on labor,” and it is still an advance and not free cash.
| Feature | Description |
|---|---|
| Advance Amount | Up to $200–$400 depending on profile. |
| Interest/Fees | No interest; some paid membership options. |
| Credit Check | No credit check. |
| Repayment | Automatically deducted on payday. |
| Extra Features | Rewards via surveys, ad views, and spending insights. |
| Data Use | App monetizes anonymized spending data. |
| Unique Perk | Earn advance access by completing tasks for rewards. |
8. FloatMe
Regulatory scrutiny has been relatively low for FloatMe. The company provides small cash advances called “floats” of up to US $50 (no interest, no credit checks, and only for new users) before payday.
For new users only, offers cash advances of up to US $50 (no interest, no credit checks, no cash for wages, and exclusive only for new users) before payday.
The US $3.99 to US $4.99 monthly membership fee, US $1 to US $7 instant transfer fees, and the small advance amounts still available for cashing out. Very short-term bridging of a few dollars is all that services are for.
| Feature | Description |
|---|---|
| Advance Amount | Up to $50 initially; limit increases with usage. |
| Interest/Fees | No interest; $3.99–$4.99/month membership. |
| Credit Check | No credit check. |
| Repayment | Auto-repayment after deposit. |
| Extra Features | Budgeting tools and low-balance alerts. |
| Transfer Fee | Optional instant transfer cost ($1–$7). |
| Unique Perk | Ideal for very small, short-term advances. |
9. Cleo
Cleo is a finance-assistant chatbot app which also offers cash advances (up to about US $250) ahead of payday with no interest, no credit check, and no late fees.
It also includes budgeting, savings, and credit-building features. What’s appealing: the conversational UI, holistic money-management features, and early pay access.
What to keep in mind: advance limit is modest, you’ll need qualifying deposit history, and while interest-free, you should still plan repayment when your next paycheck arrives.
| Feature | Description |
|---|---|
| Advance Amount | Up to $250 (Cleo Cash Advance). |
| Interest/Fees | No interest or late fees. |
| Credit Check | Not required. |
| Repayment | Taken from next paycheck. |
| Extra Features | AI budgeting, savings goals, and credit score tips. |
| Membership | Optional paid “Cleo Plus” tier. |
| Unique Perk | Chatbot interface for finance management. |
10. Gerald
Gerald is unique compared to the rest: it incorporates “buy now, pay later” functionality to cash advance transfers, not just an app geared towards paycheck advances.
For some users, after completing a purchase at Gerald’s e-store or mobile plan, they can transfer the remaining approved advance to their bank account—no interest, credit checks, or fees (for qualified users) in some situations.
What’s to like: cash access and purchase flexibility. What’s to be conscious of: to access “free” cash transfers, you must first satisfy the purchase requirement, and just like any cash advance, it must be repaid when you get your paycheck.
| Feature | Description |
|---|---|
| Advance Amount | Varies (typically $100–$500) depending on eligibility. |
| Interest/Fees | No interest; no hidden fees for qualified users. |
| Credit Check | No credit check. |
| Repayment | Automatically on next deposit. |
| Extra Features | Combines Buy Now Pay Later (BNPL) and cash advance. |
| Availability | Growing network, primarily U.S. market. |
| Unique Perk | Lets you unlock cash via purchases or bill payments. |
Conclusion
In conclusion, the top alternatives to EarnIn, which include MoneyLion, Brigit, Chime, and Albert, provide quick and earned wages at no interest, allowing users to fulfill their immediate cash requirements.
Each app comes with additional features to relieve users from the payday loan trap. Users can avoid the stress and financial flexibility associated with overdraft fees, as all are beneficial in enhancing one’s financial condition.
FAQ
These apps allow you to access wages you’ve already earned before your official payday, rather than taking a traditional loan.
In many cases no. Because you’re accessing earned wages and not taking a loan, credit checks may be minimal or absent.
No — unlike payday loans which are debt with high interest, many early-pay apps treat it as an advance of your income, with lower or no interest/fees.
