10 Apps That Loan You Money Now Getting Cash Advances
Apps That Loan You Money Now Getting Cash Advances. Sometimes you need cash fast. I know there have been times in my life when I needed quick cash to cover an unexpected expense or get me to the next pay day. These are 10 apps for cash loans that serve as payday loan alternatives.
These Apps are Also known as Payday (or Paycheck) Advance Apps, Cash Advance apps offer users the option to get paid early for the work they have already done. They typically allow you to borrow $100 – $200 from your next paycheck for use during emergencies.
10 apps that can help you make it to payday
1. Earnin
Originally known as ActivHours, Earnin is a great alternative to Dave for folks who do not want to pay a recurring membership fee. Instead, the app requires you to pay a tip that you think is fair for the service. The app offers paycheck advances of up to $100 per day that you have already earned, up to a maximum of $500 per period.
Cons:
- must have a regular pay schedule.
- employer needs to have a physical workspace.
Pros:
- paycheck advances of up to $100 per day.
- supports tipping instead of fees.
- account balance alerts.
2. Wealthfront Cash Account
Wealthfront is one of the best robo-advisors out there. However, Wealthfront also offers banking products, including a cash account. One of the great features of this account is that you can set up direct deposit and get your money a little earlier.
3. Empower
Empower offers Cash Advances of up to $250 with no interest or late fees to pay. When you sign up for an Empower Card, you can use it to get up to 10% cashback* on debit purchases at qualifying merchants or get free unlimited access to over 37,000 ATMs across the country. Plus, if you deposit your paycheck to the Empower Card you’ll also get your paycheck up to two days early.
4. Dave- Cash Advance
If overdraft fees are cutting into your budget, Dave can help. When you connect your bank account to Dave, the app will look for potential overdrafts on the horizon. With a warning from Dave, you’ll have the opportunity to move funds around to avoid an overdraft fee.
5. DailyPay
Rather than marketing to consumers, DailyPay starts with marketing to employers. However, the app works similar to Earnin. Employees build a balance with each hour they work. They can then tap into that balance before payday if they need access to cash.
6. Earnin
Earnin is an app that allows you to borrow against your next paycheck quickly without any fees or interest payments attached. If you have a job in which your paycheck is deposited into your bank account, Earnin can help you. After you sign up for the app, Earnin will connect to your bank account to verify your payment schedule.
7. PayActiv
In addition to being able to access earned wages before payday, PayActiv users also get help with financial counseling. The app has a platform designed to be more than a payday loan alternative, even allowing users to pay their bills and get prescription discounts.
8. FlexWage
Like the other payday loan alternatives mentioned, FlexWage works to help employees access their earned wages on demand. Part of the reason that these apps for cash loans are gaining in popularity is because they reduce employee financial stress. Plus, employers don’t have to worry about the administration hassles that come with payroll advances.
9. Chime
Chime is an app that is associated with Chime’s Spending Account. With the help of this app, you can receive your paycheck up to two days faster. The app will alert you when you make a transaction and provide an updated account balance. If you notice a transaction you didn’t authorize, you can immediately disable your debit card with one touch.
10. Rainy Day Lending
Rainy Day isn’t a lender, and it doesn’t offer wage advances. Instead, this app for cash loans offers you the chance to find a personal loan quickly. All credit types are accepted, and it’s possible to have money deposited directly into your account the next business day.
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