Apps like Earnin: Top 20 Alternatives to Try in 2022

Fast Have you ever found yourself in deep financial trouble, where you had no zero cash to spend? Well, it is a very common situation to go through, especially when an unexpected expense such as a medical bill or a car repair arises. Most people going through such troublesome times take payday loans. But there are better alternatives that offer cash advance and loans at much lesser fees or interest rates.

Earnin is one of the most useful money management apps that allow employees to log in their working hours and take out a loan based on those hours. It does not charge any membership fees or interest. But once you receive your paycheck, Earnin deducts the money you borrowed. Although Earnin is an excellent app to provide quick cash, there are several alternatives for Earnin that also allow you to get cash advances and loans charging no high interest rates.

Here are 21 cash advance and loan lending apps like Earnin for your consideration when you need money to cover a financial emergency. So, let’s get started, read about them, and pick your favorite.

On the top of the list of Apps like Earnin is Dave. It is very similar to Earnin in terms of providing cash advances and loans. With Dave, there is a possibility that you may be paid up to two days early and also get up to $100 with no fees. Dave’s collaboration with LevelCredit allows you to report rent payments to major credit bureaus. This is an excellent feature to build and improve your credit rating.

It also analyses your spending patterns, identifies upcoming bills which help you prepare for future expenses. However, all of this can be accessed with a minimal monthly fee of $1.


Brigit is very similar to Earnin and Dave Apps. However, it only allows you to borrow up to $250 in the basic plan. The basic plan provides access to payday loans with limited functionality. If you feel that you often require more cash, you can avail the Plus plan of Brigit that comes with a monthly payday loans in Macedonia subscription of $9.99. The Plus plan provides instant transfers, automatic overdraft protection, insights into your earnings, and early or late paybacks.


MoneyLion is a convenient and efficient alternative to Earnin that allows you to enjoy the financial services offered by most banks without any hassle. These financial services include managed investment, no-fee checking, and cashback rewards. With MoneyLion you can also take a loan of $250 without any interest return. For people who don’t have a good credit rating, MoneyLion offers a service called the Credit Builder that lets you borrow $500 at an APR of 5.99%

Possible Finance

Possible Finance operates in a similar way to MoneyLion. However, the loan terms and conditions are different. Possible Finance provides short-term loans for up to 8 weeks with a maximum loan amount of $500. Once you are done, it reports to the major credit bureaus to help you improve your credit score. The APR with Possible Finance usually ranges from 150% to 200%, which is slightly lower than a payday loan rate or overdraft fees.


Speedy cash is the most flexible alternatives of Earnin because it offers several different types of loans. First, the installment loans with a maximum limit of $5000. Second is the title loan where you can borrow from $100 to $25000 using your car as collateral. In addition to this, Speedy cash also offers several online loans such as payday loans, and lines of credit loans. The interest rates for Speedy Cash may be slightly higher but it is the best app for those who are looking for flexibility in loan options.