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Brigit’s paycheck advance feature can help you out when you’re short of cash before payday – but it’s not for everyone.
For a start, your Brigit account needs to be at least 60 days old, which won’t help if you need to pay an urgent bill, or buy that pair of sneakers that you can’t get out of your head. You’ll also need at least three recurring deposits from an employer totalling a minimum of $800 per month.
We’re always looking for ways to put more money in your pocket (or bank account, either way), so read on for six apps like Brigit that can get you the cash you need fast.
#1 – PockBox App
The first of our apps like Brigit is perfect if you’re looking for a cash advance of $100 to $2,500 by tomorrow. The approval process doesn’t require to connect to your bank account (which most of overdraft apps do). PockBox will just ask you a bunch of questions that will probably take you about 5 minutes to answer.
This web app is easy to use, but as with any app that lends you money, make sure to read the fine print: term, APR, etc…before you accept the loan.
#2 – Chime SpotMe®
Chime is another great app like Brigit. Chime helps you manage and access your money and its SpotMe feature lets you overdraft your account via ATM withdrawals or debit card purchases without charing you overdraft fees! SpotMe overdraft limits start at $20 and can be increased up to $200 as your account becomes more established.1
Chime SpotMe eligibility requirements and overdraft limits: Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See Terms and Conditions .
Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.[/efn_note]
There is no cost to enroll in SpotMe, and once you set up your account to receive a qualifying direct deposit of $200 or more a month, Chime will cover up to $200 in overdrafts on your account – with no overdraft fees!
Here’s an example of how SpotMe can help you avoid expensive overdraft fees:
You've just a casual weeknight dinner with your family and the bill comes to $65, but you only have $50 in your bank account. If you use your debt card from most banks, they'll instantly charge you an overdraft fee of $35 or more, turning those burgers with the kids into a $100 meal!
But if you use Chime and set up SpotMe (and have your paycheck regularly deposited into your account) and pay for that meal with your Chime debit card, the $15 overdraft will be covered and you’ll pay $0 in overdraft fees. The next time you make a deposit to your Chime account, the $15 negative balance will be instantly cleared.
While SpotMe doesn’t have high overdraft limits, it will show you how much you can spend right in the app to help you avoid fees, as well as those embarrassing moments when your transactions are declined. You can access $20 in overdrafts right away (which can help you avoid those frustrating fees banks charge you for being overdrawn by just a few dollars) and you can grow your limit overtime.
The best part is that the sign up process is really quick and easy (less than 2 minutes). Click here to check out Chime.
#3 – Earnin app
Earnin is also a different kind of overdraft protection app. Earnin cares about how much money you’re making and when. After being able to prove that you have a steady job and uploading documents in the process, Earnin will send you cash based on the hours you already worked. Getting paid before your paycheck arrives! Of course, Earnin will take back the money they sent you the day you’re getting paid by your employer.
We really like Earnin because they are 100% free (voluntary tips are recommended) although dealing with the approval process can be a bit annoying.
FIND OUT MORE >>> Earnin App – 4 things you should know
#4 – HonestLoans app
HonestLoans is another one of the cash advance apps like Brigit – but is a loan aggregator. After asking you a few questions, HonestLoans will connect you directly with the most suitable lender based on the info you provided: how much money your need, your income, etc.
The amount you can get are a bit higher than the others – from $100 and up to $2,500. The whole approval process should take about 5 minutes of your time and you can get the money quite quickly, though beware of potentially high rates and fees.
#5 – Dave app
The Dave app has been around now for quite a while and is actually the first overdraft app out there. For a $1/ month subscription, you can access no interest Dave cash advances fro up to $500. There’s no credit check and you have your money almost instantly – as in under a minute – though Express Fees for up to $13.99 do apply. (You can avoid these fees by having your cash sent to your bank account, but it will take three business days to get there.
Get a cash advance for up to $500 instantly >>> Check out Dave
#6 – MoneyLion App
MoneyLion’s Instacash feature lets you borrow up to $250. And with no credit check, no interest and no monthly fees.
Requesting a MoneyLion cash advance is fast and easy. Download the MoneyLion app for free and tap ‘Instacash’. Link your checking account to qualify for 0% APR cash advances. Your borrowing limit starts at $25 and will be determined by your income or recurring deposits or moving your direct deposit to a MoneyLion RoarMoney account. You can use Instacash for advances as often as you like until you hit your eligible amount.
MoneyLion isn’t the quickest cash advance app on our list. You will need to wait 48 hours to receive your funds without paying a fee. If you have urgent expenses like car repairs or you forgot your anniversary and need a nice gift ASAP then you can access your funds almost instantly for a $3.99 fee (deposited in your MoneyLion RoarMoney account) or $4.99 (deposited in your bank account).
Get cash advances up to $250 with no interest >>> Check out MoneyLion
How we picked these apps
To come up with this list of cash advance apps, we picked apps like Brigit, downloaded them onto our phones, and got to work comparing them. We considered features including fees (upfront or hidden), eligibility, borrowing limits, and interest rates. We also looked for additional features that might benefit workers running short before payday or consumers in need of quick cash. These include credit checks, speed of accessing funds and overdraft support. We may receive a referral fee if you purchase or use some of the products described in this article.
WAIT! High overdraft fees aren’t the only way your bank is costing you money.
With inflation overheating, you’ve probably heard that interest rates are climbing sharply. That means that for the first time in years, it’s a great time to shop around for a high interest savings account.
The national average interest rate for savings accounts is currently 0.18% APY – that means that if you have $2,500 in a savings account, you’d earn just $4.50 after one year! Move those hard-earned savings to an FDIC-insured bank paying 3.00% APY and you’d earn $71.63 more!
Don’t let your hard-earned savings sit there doing nothing. Check out the rates that you can earn at other banks:
- Apps Like Ingo Money: Best Check Cashing Apps (Reviewed and Rated) - January 27, 2023
- savings accounts - January 16, 2023
- Wells Fargo Overdraft Limit, Fees and Protection - January 12, 2023
- Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See Terms and Conditions .
Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.