Apps Like Floatme That Let You Borrow Money Like Floatme

Apps Like Floatme

Apps Like Floatme – Halfway through the new month, tax sorted, bills sorted, groceries shopped, and other petty necessities sorted, this means you are almost probably out of funds, and if any case of peradventure arises, you will be in desperate need of money to cover it.

What happens if you can’t find a friend, family member, coworker, partner, or anyone else to lend you the money you need? This is where floatme has always come through for its user(s).

What is floatme? floatme is an employer-sponsored instant cash advance program that helps employees cover unexpected costs and sort out petty needs or everyday essentials with no interest and no credit check. Although the initial loan amounts are tiny, often ranging between $10 and $30. However, if you qualify, you may be able to obtain up to $50.

Employees who have used floatme can always agree that the cash lending app is dependable, and all actions performed on the platform are simple and straightforward. However, the $50 maximum borrowable amount has posed a constraint for certain employees who may require more money for themselves, prompting the search for floatme alternatives with a cash advance of $100 or more.

If that’s why you’re here, you’ve come to the right place. The purpose of this article is to walk you through a list of other apps like floatme or alternatives to floatme that allow for an initial loan of $100, $250, or more even if it’s your first time.

Apps Like Floatme
Apps Like Floatme That Let You Borrow Money Like Floatme

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Are There Other Apps Like Floatme?

Even, Klover, Possible Finance, Payactiv, DailyPay, and Albert App are several payday apps similar to floatme that let users borrow money from their earnings. Some of the applications listed here lend you money without requiring a credit check, and the loan does not accrue interest.

What Are the Apps Like Floatme?

Who Can Use Floatme?

Is floatme an employer-based service? Yes, Floatme is an employer-sponsored quick cash advance program that allows employees to withdraw a bit of their earned salary prior to payday.

How Does Floatme Work?

Being an employer-based scheme that only allows employees of a specific company/organization to borrow interest-free cash advances of up to $50 in an instant without the need for a credit check.

Floatme works by linking with the user’s bank account and validating the hours worked through the employer’s payroll system, providing users with 24/7 access to an advance on earned money through the app.

What Banks Work With Floatme?

Float me works with over 9,600+Bank amongst them are Bank of America, Wells Fargo, Chase, Navy Federal Credit Union, and USAA, to name a few. With security and privacy in check, FloatMe uses Plaid to securely connect your bank accounts with 256-bit bank-level security to make the process as seamless as possible.

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1. Even

Even is apps that let you borrow money like floatme
Even is app that let you borrow money like floatme

Even is a floatme alternative that when you download it app, you are given early access to up to 50% of your earnings before your next paycheck. 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. 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.


  • 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.)

2. Klover

Klover - float me alternative app
Klover – float me alternative app

Klover, like floatme, is a paycheck advance app 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.)

4. PayActiv

Payactiv is a cash advance apps like floatme
cash advance apps like floatme

Payactiv is without a doubt one of the leading cash advance apps like floatme 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.)

4. Possible Finance

possible finance app similar to floatme
possible finance app similar to floatme

Possible Finance is an online lender app 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.)

5. DailyPay

dailypay is an apps like payactiv and even

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 an app similar to floatme 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.)

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6. Albert App

Albert another apps like floatme and dave
Albert another apps like floatme and dave

Albert is an all-in-one monetary app like float me that helps you save money, consolidate all of your accounts into one location for a 360-degree picture of your financial life, lower your costs, provide financial assistance, develop a tailored financial plan, and even guide you in investing your money.

Albert can assist you with a fast cash advance of up to $100 directly from your bank account, with no interest or late penalties, and the transfer will be executed within 2-3 business days. Albert savings are maintained in FDIC-insured institutions, providing a sense of security.


  • No hidden interest or monthly service fees.
  • Works with chime bank.
  • Repayment is handled automatically.
  • Works with chime.


  • Low APY as compared to other loan apps like floatme.
  • $4 monthly fee for the optional Genius subscription.
  • No joint accounts.

Visit AlbertOpens in a new tab.

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

7. Brigit

Brigit is other apps like float me
Brigit is other apps like float me

The Brigit app is a free-to-use cash app similar to floatme which provides small-dollar paycheck advances of up to $250. Brigit doesn’t charge interest on the loan itself, but you will have to pay a hefty monthly membership of $9.99 if you are looking to upgrade to the Plus plan, which comes with the budgeting and account monitoring tools to help keep your finances on track.

The interesting thing about Brigit is that it not only analyzes your spending, But it will automatically advance your money if it thinks you’re in danger of overdrawing your account. Also, Brigit also offers early repayment options, as well as due date extensions.


  • Works with more than 15,000 US banks.
  • Offers paycheck advances of up to $250.
  • Do not share or sell your information with third parties.
  • Free account monitoring and access to budgeting tools.
  • Helps prevent overdraft charges.


  • $9.99/month membership plan (which is expensive).
  • Do not allow joint checking accounts.

Visit BrigitOpens in a new tab.

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

8. Earnin

Earnin – instant cash advance app like payactiv

Earnin is a financial app that let you borrow money like floatme in that you can use your next salary as collateral to get money advance which is credited to your bank on the same day. Earnin works by automatically deducting the amount you borrow from your checking account on your next payday.

The company’s business model is based on users paying voluntary “tips” to withdraw earned wages ahead of time. To use Earnin, you’ll need a steady payday, a checking account, and a smartphone, Plus it is available for salaried, hourly, or on-demand employees.


  • Doesn’t include any membership fees.
  • Instant money lending.
  • supports tipping instead of fees
  • Up to $500 borrowed per pay period.
  • Does not affect credit scores.


  • Your income determines what you can lend.
  • The withdrawal limit is low.
  • Freelancers, and remote workers, can not use the app.

Visit EarninOpens in a new tab.

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

9. MoneyLion

MoneyLion is an instant cash apps like payactiv

MoneyLion is a private fintech floatme competitor 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. This allows you to develop your credit score. Read more on apps like moneylionOpens 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.)

10. Empower

Empower loan apps like payactiv

Empower is a personal finance loan app like floatme and dave 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 like 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.)

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Conclusion on Floatme Alternatives?

There you have it: a full overview of cash advance apps like floatme that you can always count on to save the day.

Please share your experience with us and other users in the comments section if you’ve utilized any of these apps. Also, please let us know if you know of any other apps similar to float me that you think should be included in this list in the comments area.

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