This article reviews apps like MoneyLion, and especially MoneyLion Plus, launched in early 2018. After reviewing MoneyLion Plus and going over MoneyLion reviews, we thought that we should suggest similar alternatives to their service. While we do like their app a lot, we know that many people want to check out the competition.

PockBox app is an online lender app that allows you to borrow relatively high amount compared to MoneyLion but lower than CashUSA. With PockBox, you can get approved for amounts as low as $100 and up to $2,500 in a few minutes. This app isn’t as heavy as other apps (such as ML), which requires to connect to your bank account. No monthly subscription here, just a loan and its repayments.

While you can get approved quite fast, read the APR and the terms. To start the approval process, click here.


SpotMe by Chime can provide you up to $100* or more cash advances before your next paycheck. The cost? It is interest-free!

Chime is essentially a new type of banking service app. Once you sign up, you get a free checking account with lots of goodies. There are no overdraft fees at all (in a matter of fact, you actually don’t have any fees whatsoever!) This service is called SpotMe and allows eligible members to overdraw up to $100* on debit card purchases without charging a fee. If you try to spend more than you are allowed after this, your transaction will simply be declined.

Eligibility criteria - you must be a U.S. resident and aged 18+. All Chime members with total monthly direct deposits of $500 or more are eligible for SpotMe.

They also offer interest-free cash advances on your paychecks up to 2 days early with direct deposit**.

Once you sign up, you will be able to activate SpotMe in the Settings tab of your app. Click here to get it now.

Earnin App

Earnin is a great paycheck advance app available on iOS and Android. It allows you to get paid before payday. You do have to upload your timesheet in order to prove that you worked enough hours. Many people love Earnin as it is free! No monthly fee, or interest rates. They only ask for voluntary tips.Earnin is ideal compared to MoneyLion Plus if you are working and you are fine with uploading your timesheets. Although MoneyLion won’t require to upload your timesheet to get a cash advance, it does cost $29/ month (for the cash advance service among other services). You could also check similar apps like Earnin.

Read more:Earnin app review

Avant app

The Avant app will let you borrow up to $35,000 (and as low as $2,000) at a very cheap rate! Their maximum APR is 36%. The application process is sleek and takes only about 5 minutes. Avant is a lender, not a money advisor app such as MoneyLion. The good side: there are no monthly fees to paid to be able to borrow (like with MoneyLion Plus); you will only need to pay the monthly payments.

Avant is a highly trusted lender in the U.S. – they issued more than $3 billion in loans so far. You should definitely check them out if theses amounts of cash are not too high for your needs.

Dave App

Dave is a friendly app that let you borrow up to $75 until your next paycheck. Available only on Android and iOS (and not through a web browser), Dave costs $1/ month even if you don’t borrow anything. But don’t worry, the cash advances are interest-free (kind of).

If you are looking for very small amount multiple times a year, Dave is a great solution compared to MoneyLion Plus (which will cost you $29/ month in order to borrow $500 at a low interest rate).

Read more: Dave app review

HonestLoans app

HonestLoans will get you money very quickly (about a 5-minute application process). It is an aggregator that is connected to a dozen of lenders and will, according to your financial background and request (you can ask between $100 and $2,500), let you borrow money. Unlike MoneyLion Plus, you don’t have to pay any monthly fees in order to get access to money. However, the HonestLoans app is not a financial planner – just a cash advance app.

It is a great solution if you need cash quickly. As with any app dealing with money, just be aware of the conditions before they transfer you the money. You should check out their website here.

Disclaimer: * Chime SpotMe is an optional, no fee service that requires $500 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 initially, but may be later eligible for a higher limit of up to $100 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. SpotMe won't cover non-debit card purchases, including ATM withdrawals, ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. Click here to check out SpotMe terms.
** Early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.