By Editorial Team
Last Updated: Aug 03, 2025
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If you've been using EarnIn to get access to cash before payday, you might be curious about other apps that offer similar services. EarnIn allows you to access up to $750 per pay period with no mandatory fees, but charges between $2.99 to $6.99 for expedited transfers and suggests optional tips up to $14. If you're looking for alternatives with lower fees, different advance limits, or features that suit your financial needs better, we've compiled a list of top apps like EarnIn to help you find the perfect match.
EarnIn at a Glance: Key Features & Fees
Advance amount
Up to $750
Monthly fee
Free
Regular funding time
1–3 business days
Express funding time
30 minutes
Express funding fee
$2.99–$5.99 per transfer (first transfer free)
Main features
Access earned wages before payday, overdraft protection, build savings, credit monitoring, assistance with medical bills
Advance amount
Up to $750
Monthly fee
Free
Regular funding time
1–3 business days
Express funding time
30 minutes
Express funding fee
$2.99–$5.99 per transfer (first transfer free)
Main features
Access earned wages before payday, overdraft protection, build savings, credit monitoring, assistance with medical bills
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Table of contents
Top apps like EarnIn
The following apps are 3 category leading cash advance apps like EarnIn:
1. Brigit
Best for: Highest reviews and average score
4.8
646K Reviews
Advance amount
$25 - $250
Monthly membership fee
$8.99
Regular funding time
1–3 days
Express funding time
20 minutes
Express funding fee
$0.99 - $3.99, free with Premium Subscription
Main features
Cash advances up to $250 without credit checks, overdraft prediction, credit builder program
2. Albert
Best for: Highest cash advance amount
4.6
373K Reviews
Advance amount
$25 - $500
Monthly membership fee
$11.99
Regular funding time
2–3 business days
Express funding time
Instantly
Express funding fee
$5.99 – $14.99
Main features
Instant cash advances up to $500, early paycheck access, automated savings, budgeting tools, beginner-friendly investing
3. Chime SpotMe
Best for: Lowest monthly fees
4.8
1,941K Reviews
Advance amount
$20 - $200
Monthly membership fee
Free
Regular funding time
Instantly
Express funding time
Timeframe for express advances is unknown
Express funding fee
There is no expedite fee
Main features
Overdraft up to $200, boost limit via friends, works with debit and credit cards
All apps like EarnIn
Here you'll find the full list of 10 apps like EarnIn ranked by Advance amount, Review score, or any other parameter that's most important to you:
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4.1
20K Reviews
Advance amount
$40 - $200
Monthly membership fee
Free
Regular funding time
Instantly
Express funding time
Timeframe for express advances is unknown
Express funding fee
There is no expedite fee
Main features
Instant cash advances, Buy Now Pay Later shopping, Phone plan financing, Play-to-earn rewards, Overdraft protection
3.6
39K Reviews
Advance amount
$5 - $1,000
Monthly membership fee
$0.99
Regular funding time
3 to 5 business days
Express funding time
20 minutes
Express funding fee
$0.99 - $4
Main features
Instant cash advances up to $1,000, credit monitoring, budgeting tools, health benefits, cashback offers
4.7
542K Reviews
Advance amount
$10 - $400
Monthly membership fee
$8.00
Regular funding time
1 business day
Express funding time
2 hrs
Express funding fee
$1 - $8 for advances up to $299.99, then 3% for $300+ advances
Main features
Access $400 cash advances interest-free, build credit, earn 10% cashback, AutoSave, credit score monitoring.
By Editorial Team
Last Updated: Aug 03, 2025
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