Editor’s Note: Overdraft Apps provides detailed product reviews and recommendations based upon extensive research and our own hands-on testing. We may earn a referral fee when you sign up for or purchase products mentioned in this article.
Mitchel holds a Bachelors of Business Administration in Finance from The Goizeta School of Business at Emory University and a Masters of Business Administration from The Haas School of Business at The University of California.
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Updated July 2026.
Brigit alternatives worth switching for
Want apps like Brigit without paying Plus every month? Brigit’s Instant Cash and low-balance alerts are useful, but about $8.99/month is steep if you only borrow once in a while. Brigit’s public average advance is about $72. Here are $0 membership and other tip-free alternatives.
Verdict: Keep Brigit if you use alerts every month and Plus beats a stack of one-off speed fees. For occasional cash, start with MoneyLion, Albert, or Klover ($0 membership paths), then Tilt as the closest tip-free subscription peer. EarnIn is the usual $0 membership earned-wage option when hour tracking works.
Key takeaways
- Brigit Plus membership fee (~$8.99/mo) plus optional express fee is the usual cost stack.
- Public average advance is about $72; new users often see ~$50-$150.
- $0 membership escapes: MoneyLion, Albert Instant, Klover, EarnIn (if you qualify).
What $50 and $100 cost with Brigit
One advance in a month you keep Plus is roughly the $8.99 membership fee, plus about $1-$4 if you pay an express fee. A $50 and a $100 draw often share the same month of Plus; the express fee is what changes.
Apps like Brigit at a glance
| App | Typical amount | Main fees | Overdraft Apps score | Best for | Next step |
|---|---|---|---|---|---|
| Brigit |
About $72 average; new users often ~$50-$150 | ~$8.99-$15.99/mo membership fee + optional express fee | 9.1 | Tip-free advance + low-balance alerts | Get Brigit |
 MoneyLion |
Often starts ~$10-$50 | $0 membership + Turbo fee ~$2-$15 | 9.1 | $0 membership + banking/credit tools | Get MoneyLion |
 Tilt |
About $102 first-time; ~$171 returning | $8/mo membership fee + ~$1-$8 express fee | 9.5 | Tip-free subscription with clear express fees | Get Tilt |
 Albert |
Eligibility-based; few see $1,000 | $0 Instant; transfer fees vary | 8.6 | Savings and coaching around Instant | Get Albert |
 FloatMe |
First-time often ~$10-$50 | $4.99/mo membership fee + ~$1-$5 instant fee | 8.5 | Small, simple floats | Get FloatMe |
 Klover |
Avg ~$160; new users ~$5-$100 | $0-$4.99 + express fee by size | 8.4 | $0 base advances; express by size | Get Klover |
 Chime |
Many members start ~$50-$100 | $0 membership; $0-$5 instant fee (or free ~24h) | 9 | MyPay for existing Chime members | Get Chime |
 EarnIn |
New users often ~$85/day | $0 membership; Lightning Speed fee ~$3.99-$5.99 (+ optional tips) | 8.9 | Earned wages when you can verify hours | – |
Fee and rating data use the page update date shown above. The Overdraft Apps score is our comparison of cost, speed, access, app-store feedback, and public trust signals. On phones, this table stacks into cards and does not scroll sideways. Get buttons appear for partner apps only.
How to choose in 60 seconds
- Occasional advance: MoneyLion or EarnIn usually beat a full month of Plus.
- Keep tip-free UX: Tilt is the closest subscription peer.
- Want savings tools: Albert.
- Small floats: FloatMe.
- Price Plus + express fee against Lightning Speed / Turbo / instant fees at $50 and $100.
Best apps like Brigit (detailed)
Partner apps are listed first. Each section ends with a Get button when we have an affiliate relationship, or a link to our full review when we do not.
MoneyLion: $0 membership + banking/credit tools
Best for: People who want $0 membership and may use banking or credit tools too.
MoneyLion Instacash has a $0 required membership fee for basic advances, so you can keep the app available without paying each month. New offers often start around $10-$50 and can grow with deposit history. External-bank limits can reach $500; a higher path can reach $1,000 with RoarMoney and qualifying deposits. Same-day delivery uses a Turbo fee.
MoneyLion rates about 4.8 on the App Store and 4.6 on Google Play. Its Overdraft Apps score is 9.1. Ratings use the page update date shown above.
Better than Brigit when: Choose MoneyLion when its fees, typical amount, or account setup beat Brigit for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- $0 required membership fee, so keeping the app ready costs nothing between advances
- Higher-limit path with RoarMoney and qualifying deposits
- Turbo fees vary by amount and tip prompts can add cost
- New limits can start small; highest limits need more setup
Tilt: Tip-free subscription with clear express fees
Best for: People who want a tip-free subscription and clearer express-fee ranges.
Tilt, formerly Empower, markets up to $400. Publicly disclosed typical amounts are about $102 for first-time users and $171 for returning users. After a 14-day trial, the membership fee is about $8/month, and the express fee generally runs about $1-$8 by amount. Not available in CT, ME, or D.C.
Tilt rates about 4.8 on the App Store and 4.7 on Google Play. Its Overdraft Apps score is 9.5. Ratings use the page update date shown above.
Better than Brigit when: Choose Tilt when its fees, typical amount, or account setup beat Brigit for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- Published express-fee range, tip-free flow, and 14-day trial
- Typical first-time amount is publicly disclosed
- $8 membership fee after trial plus an express fee for speed
- Not available in CT, ME, or D.C.; $400 max trails some competitors
Albert: Savings and coaching around Instant
Best for: People who want savings automation and coaching, not only a cash button.
Albert Instant sits inside a broader savings and coaching app. Instant does not require an Albert subscription in current disclosures, so you can keep Instant available without a monthly membership fee (Genius and other paid tools are separate). Albert markets advances from $25 to $1,000, but few customers qualify for the top. The important number is the transfer fee on your quote.
Albert rates about 4.6 on the App Store and 4.5 on Google Play. Its Overdraft Apps score is 8.6. Ratings use the page update date shown above.
Better than Brigit when: Choose Albert when its fees, typical amount, or account setup beat Brigit for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- No required Instant membership fee in current disclosures
- Broader money tools around the advance
- Transfer fees do not have a simple public schedule
- The $1,000 maximum is not a typical offer
FloatMe: Small, simple floats
Best for: People who need a small bridge and prefer a simple float app.
FloatMe is built for smaller shortfalls. First-time floats often land around $10-$50 before higher amounts unlock (up to about $100 for existing members). After a short trial, the membership fee is about $4.99/month, plus an instant fee by size when you need speed.
FloatMe rates about 4.8 on the App Store and 4.5 on Google Play. Its Overdraft Apps score is 8.5. Ratings use the page update date shown above.
Better than Brigit when: Choose FloatMe when its fees, typical amount, or account setup beat Brigit for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- Simple UX for small floats
- Lower monthly membership fee than many Plus plans
- Low early caps; not ideal for $200+ bills
- You pay the membership fee whether you float or not after trial
Klover: $0 base advances; express by size
Best for: People who want a $0 base advance path and will only pay express when needed.
Klover advances do not require Klover+ in current disclosures, so you can keep the app available without a required membership fee. New users often see smaller amounts; the public average is about $160. Express fees vary by size. Optional Klover+ is about $4.99/month for extras, not for the advance itself.
Klover rates about 4.7 on the App Store and 4.6 on Google Play. Its Overdraft Apps score is 8.4. Ratings use the page update date shown above.
Better than Brigit when: Choose Klover when its fees, typical amount, or account setup beat Brigit for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- $0 required membership fee for advances
- Express-only cost model when you need money today
- Higher amounts may need point boosts
- Express fees can feel steep on small draws
Chime: MyPay for existing Chime members
Best for: Existing Chime members who want MyPay inside their checking account.
Chime MyPay has a $0 membership fee. Eligible members can access up to $500, although many start around $50-$100. Instant delivery charges a 3% instant fee (min $2, max $5); a slower path can have no instant fee. Requires Chime Checking and is unavailable in several states.
Chime rates about 4.8 on the App Store and 4.7 on Google Play. Its Overdraft Apps score is 9. Ratings use the page update date shown above.
Better than Brigit when: Choose Chime when its fees, typical amount, or account setup beat Brigit for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- $0 membership fee and a capped instant fee
- MyPay sits inside Chime Checking
- Requires Chime Checking and qualifying deposit history
- Unavailable in several states; switching banks creates friction
EarnIn: Earned wages when you can verify hours
Best for: People who can prove earned wages and hours and want $0 membership.
EarnIn Cash Out is an earned-wage product with a $0 membership fee, so keeping it installed costs nothing. Most same-day users pay a Lightning Speed fee ($3.99 at or under $75, or $5.99 above). New users often start near $85/day. Tips are optional. Not available in Connecticut.
EarnIn rates about 4.7 on the App Store and 4.7 on Google Play. Its Overdraft Apps score is 8.9. Ratings use the page update date shown above.
Better than Brigit when: Choose EarnIn when its fees, typical amount, or account setup beat Brigit for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- $0 membership fee; keep the app ready at no monthly cost
- Flat Lightning Speed fee that often undercuts percentage stacks
- Needs work/hour verification; daily caps apply
- Not in CT; tip prompts remain
How EarnIn eligibility works
EarnIn is not a normal bank-history cash advance. It is built around wages you already earned but have not been paid yet. Your available Cash Out is tied to that earned pay, not only to what sits in your checking account.
To qualify, you usually need a linked bank account with pay deposits, plus a way for EarnIn to confirm your work. That can mean connecting a work email, using timesheets, or turning on location / hour-tracking tools so EarnIn can see hours you worked. If you cannot track or submit hours in a way EarnIn accepts, the product often will not work for you at all.
Works well for: people with steady payroll or gig work who can prove hours and are fine checking in with EarnIn’s work tools. Poor fit: anyone who cannot verify hours, Connecticut residents (not available in CT), and people who only want a simple bank-link advance with no work tracking.
Bottom line
Brigit wins when monthly alerts justify Plus. MoneyLion and EarnIn usually win for rare emergencies with $0 membership. Tilt is the nearest tip-free subscription alternative.
Still unsure which app fits?
Filter the cash advance directory by fees, limits, speed, and account requirements.
FAQ: apps like Brigit
What is cheaper than Brigit for occasional advances?
MoneyLion or EarnIn with standard or same-day speed fees usually beat a full month of Brigit Plus if you only need cash once.
Does Brigit charge tips?
No. Brigit markets tip-free Instant Cash. Your main costs are the Plus membership fee and any express fee.
How much does a $50 or $100 advance cost with Brigit?
One advance in a month you keep Plus is roughly the $8.99 membership fee, plus about $1-$4 if you pay an express fee. A $50 and a $100 draw often share the same month of Plus; the express fee is what changes.
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Mitchel holds a Bachelors of Business Administration in Finance from The Goizeta School of Business at Emory University and a Masters of Business Administration from The Haas School of Business at The University of California.
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