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.
Are you looking for apps like GoChange to avoid your next overdraft?
You might want to switch your overdraft protection solution because, in June 2018, GoChange announced that they are no longer directly marketing to customers. With GoChange no longer an option, the following are the apps you should use instead.
The Change app was a financial health AI platform offered by Change Labs. The company positioned the product as an add-on that banks could offer to keep consumers financially healthy, happy and engaged while reducing financial risks and lowering operational costs.
While the GoChange app is gone, there are plenty of alternatives that offer many of the same features and more. We downloaded each of these onto our phones and tested them so you wouldn’t have to. Read on for our feedback and results.
#1 – MoneyLion App
If you are here because you like GoChange’s cash advances, MoneyLion is a great alternative for you. After signing up to MoneyLion Plus, which is free if you log in every day, you will be able to get $500 cash advances at a 6% APR (which is extremely low).
MoneyLion is also a great personal CFO, helping you monitor your checking account for weird activities and increase your credit score.
#2 – PockBox.com
PockBox.com is a straightforward solution that will provide you cash advances of $100 – $2,500 the next business day. It’s not a personal CFO type of solution like GoChange used to be. But if it’s just cash that you are looking for, PockBox will make it happen. The process is online and doesn’t take more than a few minutes. While GoChange used to require you to connect your bank account in order to analyse your transaction history and can send you notifications when you are about to overdraft, PockBox can send you cash when you need it.
#3 – Earnin App
Earnin (formerly known as Activehours) is a paycheck advance application. It allows you to get paid before payday. Here’s how it works: after signing up and proving that you are employed, you will be able to request the money for the hours you’ve already worked for that month by uploading your work timesheet. Earnin will send you cash to your checking account for the hours you worked for. These cash advances are made for free- they just ask for a tip.
Definitely an application that we love!
#4 – Dave App
Dave is an application (available on iOS and Android only) that will advance you some cash (up to $75) until your next paycheck. After downloading the app and connecting your bank account to their platform, the approval process starts. It may take a few hours, it may take a few days. Dave might even ask you to upload your paystub. If you are approved, you will be able to ask for interest-free cash advances. Just be aware of the $1/month fee and the transaction fees they might charge you. Dave will also ask for a tip as they claim to not make money from the monthly fee and transaction fees.
FIND OUT MORE >>> Dave app review
#5 – FasterFunds App
FasterFunds offers $500-$3,000 cash advances through their online aggregator. The process is fast and straightforward: you will get approved in less than 5 minutes. After filling out their forms with basic information, it will tell you which lender is the best for you based on the amount you need and other criteria.
We recommend you to read all the terms and conditions of the lender you get money from – so no surprises with interest rates, etc.
How we picked these apps
To come up with this list of cash advance apps, we picked 4 apps like GoChange, downloaded them onto our phones, and got to work seeing which we loved and which needed work. We considered features including fees (upfront or hidden), eligibility, borrowing limits, and interest rates. We also looked for additional features that might benefit everyday Americans keen on overdraft protection and interest-free cash advances. We may receive a referral fee if you purchase or use some of the products described in this article.
WAIT! Why borrow quick cash when you can earn it?!
Cash advance apps can be a great tool for getting a little extra cash when you need it, but you’ll need to repay it – plus fees – wihtin a week or two. Did you know there’s an easy way to earn extra cash that’s yours to keep?
KashKick is a wildly popular service that lets you earn money for playing games, completing surveys, signing up for trial offers and more. (You’ll even earn cash for just completing your profile!) You can earn cash today and withdraw your earnings through PayPal once you’ve reached $10. You can earn over $100/month with KashKick – and you don’t need to spend a dime or take out your credit card to do it.
There are dozens of high-paying offers available on KashKick, and if you’re into playing new games on your phone, you can earn some serious cash for doing what you love. Though offers change regularly, there are currently1 more than three dozen offers available where you can earn cash – sometimes over $100 – just by downloading and playing popular games like Coin Master, Monoply Go, Bingo Blitz, and more. These games are all free to download, and no in-app purchases are required to earn with KashKick.
Get paid to play on your phone >>> Check out KashKick
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.
- FloatMe Review – Simple $50 Cash Advances with Low Fees - April 17, 2024
- MoneyLion App Review: Save, Invest & Borrow up to $1,000 in One Simple App - April 15, 2024
- Brigit App Review – Fast $250 Cash Advances with No Interest or Late Fees - April 10, 2024
- As of February 13, 2024. Offers may change and may not be available to all users. Eligibity requirements apply. See KashKick's Terms of Service for full details.
