How Do Apps Like Earnin Work? 9 Best Earnin Alternatives

Apps Like Earnin

 Apps Like Earnin – If you haven’t used the earnin app yet, you must have heard about it through word of mouth or seen it flashed straight on your screen via sponsored/displayed adverts on your device, on social media, on a website, or somewhere else.

Earnin is a cash advance app that allows you to withdraw money from $100 to $500 directly to your bank account anytime before payday.

That is to say, if you need to buy gas, toiletry, or groceries but your wallet is in bad shape, you may use the earnin app to request a cash advance from your earned salary, which will be transferred immediately into your account and get deducted when your next paycheck arrives.

To use earnin, you must first give information such as your workplace, working hours, and the hourly wage, after which you must connect your bank account to the app and you are ready to go.

Despite all of the positive aspects of earning, there is a catch: the TIPping cost. For a $100 cash advance, you must tip up to $9.99, this means for every $1000 you must tip $99.9, which is around 10% of the funds and that isn’t acceptable in any sense.

This one-of-a-kind catch from Earnin has caused users to look for other cash advance apps like Earnin that demand zero to low tip fees. If that’s why you’ve come to this page, you’ve come to the correct place.

In this article, I’ll show you a variety of apps that are similar to Earnin for Payday Loans.

Apps Like Earnin
How Do Apps Like Earnin Work? 10 Best Earnin Alternatives

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How Do Apps Like Earnin Work?

Information Upload: Earnin and other similar apps work by collecting some work and personal data about you, data such as; your bank account, where you work, hours you work, etc.

Tipping: Earning usually asks their users for a tip this is usually free for first-time users however if you keep making use of the app it becomes mandatory. You can also put off the auto-tip feature.

Cash Out: As a first-time user you are only assigned a maximum of $100 but as time goes by you will be able to receive up to $500 of your paycheck each pay period before payday.

Are There Any Apps Like Earnin?

Are there any other apps like earnin? Yes, there are other apps like earning. The earnin payday loan alternative apps are Dave, Earnin, Empower, brigit, and Moneylion, among others, which allow you to acquire personal loans and payday cash advances without having to worry about your credit score.

What Apps Are Like Earnin?

With hundreds of apps similar to earnin available, it might be tough to select just a handful that is dependable and trustworthy. That is not the case with us because we have tried and tested a lot of them before coming up with the ones listed on this page, which include Dave, Moneylion, Even, Earnin, payactiv, empower, and others.

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List Of 9 Apps Similar To Earnin

1. Dave App

dave app is a cash advance app like earnin

With over 10 million members and counting. The Dave app is a cash advance app like earnin with a single goal: to provide a financial opportunity that will help its users’ collective potential. Dave, an innovative, resourceful, helpful, and decent banking app give its customers a paycheck advance to cover little bills such as gas, groceries, or other small expenses.

On the other hand, there is a “spending account” that doesn’t impose overdraft or low-balance fees while also allowing customers to keep track of their monthly cash flow and avoid overdraft fees. The good thing about the dave app is that you can get paid up to two days early, build your credit in the process and Instead of interest, Dave charges a monthly subscription fee, Helping the average user save more.

The Dave app only works with their partner bank, Evolve Bank & Trust, because this bank offers Federal Deposit Insurance Corp (FDIC) insurance. Money deposit on the Dave app is instant. Only delayed if there is a holiday, However, Funds transferred through your debit card will generally appear in your Dave Spending Account immediately or at most within an hour. Read On Top Alternatives to daveOpens in a new tab..


  • Charges a Membership fee as low as $1.
  • Do not charge an interest fee, but you can do an optional tip.
  • It gives you access to budgeting tools and connects you to side job options.
  • Notifies you if your bank account appears to be in danger of getting overdrawn.


  • Repayments are deducted automatically from your bank account.
  • $100 maximum cash advance limit which is low.

Visit DaveOpens in a new tab.

Download App (AndroidOpens in a new tab. — iPhoneOpens in a new tab.)

2. Even

Even is Apps like earnin that work with chime
Even is Apps like earnin that work with chime

Even is an app like Earnin that work with Chime and allows you early access to up to 50% of your earnings before your next paycheck when you download it. So you can organize and budget your money based on your expenditures and costs, and save money before your paycheck arrives in your bank account.

Currently, the Even app is exclusively available to employees of firms that have collaborated with Even and offer this product as a bonus to their employees.

One even, There is a non-fixed  APY of 0.125 percent, compared to the national rate of 0.06 percent. You can connect your bank account in a few simple steps, and Even does its part in terms of security by using 256-bit encryption to keep your information safe from hackers. Read more on apps like Even.Opens in a new tab.


  • There are no fees or charges.
  • Secured with 256-bit encryption.
  • has an interesting APY of 0.125%.
  • access to up to 50% of the amount you’ve earned.


  • Your employer determines how many cash advances you can take.
  • You may have to pay a monthly subscription plan.

Visit EvenOpens in a new tab.

Download App (AndroidOpens in a new tab. — iPhoneOpens in a new tab.)

3. MoneyLion

MoneyLion is a money app like earnin

MoneyLion is a money app like earnin that offers lending, financial advisory, and investment services to consumers. MoneyLion offers credit-builder loans at low-interest rates, but you have to pay a membership fee, which adds to the overall cost of the loan.

Moneylion allows you to borrow up to $500 at APRs as low as 5.99 percent. The most significant advantage is that you do not need a credit check to be accepted. They also give consumers an instant $1 cashback every time they log into the MoneyLion app. Furthermore, you have the opportunity to earn cash rewards based on the amount of your investment account.

With their Instacash option, you can get up to $250 at 0% APR. Unlike other payday loan providers, MoneyLion does not require you to repay your loan as soon as possible in order to avoid interest charges.

Moneylion will disclose your payment history to all three credit bureaus as you make your monthly payments. Which in turn ensures your credit is been built up in the right way. Read more on the best moneylion alternativesOpens in a new tab..


  • No monthly fee No overdraft or service fees.
  • Access to 55,000+ fee-free ATMs.
  • No credit score check.
  • Provide tools to help you track your savings and spending.


  • No physical locations.
  • No check-writing.

Visit MoneylionOpens in a new tab.

Download App (AndroidOpens in a new tab. — iPhoneOpens in a new tab.)

4. Empower

Empower is earnin app alternatives
Empower is earnin app alternatives

Empower is an earnin app alternative that helps you take control of your money. When you tell empower how much you want to save each week, they automatically set it aside when they notice an excessive amount of cash available.

For quick cash, Empower offers cash advances of up to $250, with same-day delivery if you have an Empower checking account. The app monitors your spending and determines when to move small amounts of money over to ensure you meet that weekly goal.

You can fund your empower account via; Direct Deposit, Bank Transfer, Mobile payment service apps, and Cash and Check Deposits. On the other hand, Empower charges an auto-recurring monthly subscription fee of $8 after the 14-day free trial concludes for first-time customers, which can be canceled at any time. Read more on apps similar to empower.Opens in a new tab.


  • Get up to $250 at a go.
  • same day money delivery.
  • Various funding processes.
  • automatically set aside for you when they detect you’ve got excess cash.


  • Re-curring monthly fee charge of $8.
  • Only 3 ATM reimbursements per month.
  • Low APY (0.05%), especially for a digital-only app.

Visit EmpowerOpens in a new tab.

Download App (AndroidOpens in a new tab. — iPhoneOpens in a new tab.)

Read Here > 10 Apps Like Brigit for Payday Cash Advance: Brigit AlternativesOpens in a new tab.

5. Possible Finance

possible finance is payday apps like earnin
possible finance is payday apps like earnin

Possible Finance is an online payday app like earnin that offers small personal loans that it promotes as alternatives to payday loans. The platform similar to floatme has been an accredited company by the Better Business Bureau since 2018 and has earned an A- rating from the consumer-focused site.

Loaning on possible finance is limited to a number of states, however, Borrowers with no credit history or bad credit may get up to $500 when they apply. Interest rates vary by state, but you should expect to pay $15 to $20 for $100 borrowed. This equates to an annual percentage rate (APR) of roughly 91% or 122%.

Your money will arrive in 1-2 business days (excluding Saturday, Sunday, and bank holidays) if you use an ACH transaction. On the date specified in the app, your money should arrive by 5 p.m.


  • Apply in as little as 60 seconds.
  • You can borrow up to $500 cash advance.
  • Funds can be received in just minutes.
  • Get approved even with bad credit or no credit.
  • No late fees and payment schedule can be adjusted.
  • Possible loans can help build credit.


  • Higher APR than personal loans or typical credit cards
  • Set loan terms (eight biweekly payments)
  • Can only apply through the mobile app

Visit Possible FinanceOpens in a new tab.

Download App (AndroidOpens in a new tab. — iPhoneOpens in a new tab.)

6. Klover

Klover apps like earnin and dave

Klover is a paycheck advance app like earnin and dave that provides interest-free cash advances from money earned at work. There is no credit check, and some users may be able to borrow up to $100 in just minutes.

If you borrow $100 with Klover, you only repay the $100 when your next paycheck arrives, the money is promptly deducted from your bank account, and the repayment period cannot be extended Unlike other cash advance platforms you will not be charged any interest or fees.

To use Klover, you must validate your paycheck and provide proof of at least three paychecks directly deposited into your account by the same company in the previous two months. Deposits on klover, Standard ACH are typically completed within 1-2 business days but are deposited into your bank account within 3 business days.


  • Cash advance of up to $100.
  • Interest-free and no monthly subscription.
  • No credit check.


  • Paycheck verification is required.
  • Deposit takes longer than expected.
  • Requires at least two times payments from the same employer.

Visit KloverOpens in a new tab.

Download App (AndroidOpens in a new tab. — iPhoneOpens in a new tab.)

7. PayActiv

Payactiv is a alternatives to earnin
Payactiv is alternatives to earnin

Payactiv is without a doubt one of the leading alternatives to earnin when it has to secure quick cash advances. PayActiv is a financial services company that partners with companies to provide employees with financial services by providing staff an “advance” on wages for which they’ve already worked, but for which they have not yet been paid.

The money alternative does not give out loans rather it gives employees an advance on their own earned wages for a “per transaction fee” of $5.00. Once you enroll and log in to your PayActiv account, you will see the hours you have already worked and the amount of your earned wages that are accessible.

To get an advance, You can select the amount you need and transfer it to your bank, load it on a prepaid card, get it as cash, or pay bills with it—all with a few clicks. Transfers to the Payactiv Card are instant 24/7/365. Transfers to bank accounts and debit/prepaid cards are completed within 48hrs. Read more on apps like payactiv.Opens in a new tab.


  • Allows immediate access to earned wages prior to payday.
  • no setup or recurring fees to employers.
  • Offers multiple financial services.
  • Charges a low fee for Earned Wages Access.
  • Users can access up to 50% of wages.


  • Potential program fees of up to $5 per pay period.
  • Payactiv card is required for instant funding.

Visit PayActivOpens in a new tab.

Download App (AndroidOpens in a new tab. — iPhoneOpens in a new tab.)

8. DailyPay

dailypay is an app similar to earnin
dailypay is an app similar to earnin

If you need an immediate cash advance to help you address urgent financial demands without having to pay large overdraft fees or higher interest fees, DailyPay is n app similar to earnin you can trust. With DailyPay, you can get an advance on your earnings before your next payday and save over $1,205 in overdraft fees, loan interest, and late fees.

DailyPay charges a $1.99 transfer fee per day after the money is earned, and your transfer arrives instantly no matter what day or time it is. However, if you request a transfer before 5:30 p.m. ET, you will receive your money on the next business day.

If you did not make any transfers, you will receive your entire paycheck on your normal payday. For sending leftover pay, DailyPay will never charge a transaction fee.


  • You can get your paycheck daily, no need to wait.
  • Can be used to set up different kinds of automatic transfers.
  • you can access about 50% of your paycheck as you earn it/before your actual payday.
  • No transaction fee is charged for sending of remainder pay.


  • Charges $2.99 for instant transfer.

Visit DailypayOpens in a new tab.

Download App (AndroidOpens in a new tab. — iPhoneOpens in a new tab.)

9. FloatMe

FloatMe is a earnin like apps
FloatMe is a earnin like apps

FloatMe is a cash advance earnin like app that allows users to borrow up to $50 between paychecks. There are no credit checks or interest charges, and you can have the money you need in as little as a few minutes. However, in order to use the FloatMe app, you must pay a subscription fee.

The instant loan app functions as an employer-sponsored program that allows employees to withdraw a portion of their earned income prior to payday. Once signed up, you pay a membership fee of $1.99 per month, but you can unsubscribe at any time if you no longer want FloatMe’s services.

The sign-up procedure is straightforward, and they partner with Bank of America, Wells Fargo, Chase, Navy Federal Credit Union, and over 9,600+ banking institutions to make the process as smooth as possible. Additionally, FloatMe uses standard 256-bit encryption to keep your data private, which makes the app very secure. Read more on apps like floatme.Opens in a new tab.


  • Helps out in emergency situations.
  • Low monthly subscription fee and no interest fee.
  • Funds are credited within minutes.


  • Maximum cash advance of $50.
  • Paycheck direct deposit required.
  • Do not build a credit score.

Visit FloatMeOpens in a new tab.

Download App (AndroidOpens in a new tab. — iPhoneOpens in a new tab.)

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Conclusion On Other Apps Like Earnin

The payday cash advance apps similar to earnin discussed in this post, are all available on the iOS App Store or the Google Play Store. Before you start using any of the apps for a loan or cash advance’s sake, be sure to look at numerous possibilities, thoroughly compare their features, and most importantly make sure you choose the one that works best for you and your needs.

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