13 Cash Advance Apps Like Dave (2024): Top Alternatives for Instant Cash

apps like dave

Looking for alternative cash advance apps to Dave? In this article, I’ll introduce you to 13 top instant loan apps that can provide you with quick access to the cash you need. These financial management apps offer a convenient way to get instant cash and manage your finances on the go.

Whether you’re facing an unexpected expense or need some extra cash to cover bills, these cash advance apps have got you covered. Let’s explore the top alternatives to Dave and find the perfect app to meet your financial needs.

Key Takeaways:

  • Explore 13 cash advance apps similar to Dave
  • Get instant access to the cash you need
  • Manage your finances on the go
  • Choose the app that fits your financial needs
  • Find alternative cash advance apps with additional features

Empower: Best for Cash-back Rewards

In the world of instant loan apps, Empower stands out as a top contender. With Empower, users can take advantage of cash advances up to $250. But what sets Empower apart from the rest? It’s their enticing cash-back rewards program.

When you use Empower for your cash advances, you not only get access to the funds you need, but you also earn cash-back rewards on your purchases. It’s like getting a little extra boost with every transaction. And who doesn’t love earning rewards?

The Perks of Empower

Empower doesn’t stop at cash-back rewards. They also offer a host of other benefits to enhance your financial journey. Here are some highlights:

  • A two-day-early paycheck option: Empower understands that sometimes waiting for payday can be a struggle. With their early paycheck option, you can access your funds ahead of time, giving you more flexibility and peace of mind.
  • No interest or fees for cash advances: Unlike traditional loans or credit cards, Empower doesn’t charge any interest or fees for their cash advances. It’s a straightforward and transparent way to access the funds you need, without worrying about hidden costs.
  • Empower card with additional perks: When you activate an Empower card, you unlock even more benefits. Not only can you use it for cash advances, but you also enjoy features like free ATM withdrawals, making it even more convenient to manage your finances.

It’s important to note that while Empower offers fantastic rewards and benefits, there is a monthly subscription fee of $8. This fee provides you with access to all the features and services Empower has to offer, ensuring you get the most out of your experience.

With Empower, you can confidently navigate your financial landscape, knowing that you have a reliable and rewarding cash advance app on your side.

Benefits of Empower Cash-back Rewards Two-day-early paycheck option No interest or fees for cash advances Empower card with additional perks
Details Earn cash-back rewards on your purchases Access your funds two days before payday No hidden costs or fees for cash advances Free ATM withdrawals and extra benefits

Varo: Best for Banking Features

When it comes to cash advance apps, Varo is a strong contender. With Varo Advance, users can access cash advances of up to $250 to meet their immediate financial needs. However, Varo has more stringent eligibility requirements compared to other apps in this category.

To qualify for Varo Advance, users must have an active Varo account for at least 30 days and have received at least $800 in direct deposits within the previous 30 days. These requirements ensure that Varo is providing cash advances to individuals with a consistent income stream.

One of the standout features of Varo is its banking features. In addition to cash advances, Varo offers a range of banking services to help users manage their finances more effectively. This includes a two-day-early paycheck option for users who set up direct deposit, giving them quicker access to their funds.

What sets Varo apart?

Varo stands out from the competition due to its focus on providing comprehensive banking features alongside cash advances. By offering users access to their paychecks two days early and robust banking services, Varo helps individuals better manage their finances.

“Varo is my go-to cash advance app because of its convenient banking features. I love being able to access my paychecks two days early and manage my finances all in one place.”

– Jane, Varo user

Varo’s banking features include:

  • No monthly maintenance fees
  • No minimum balance requirements
  • Optional Varo Visa® Debit Card with no foreign transaction fees
  • Free ATM withdrawals at over 55,000 Allpoint® ATMs worldwide
  • Ability to deposit checks using mobile check deposit

By providing these features, Varo empowers users to take control of their finances and make the most of their cash advances.

With Varo, you don’t just get access to cash advances; you also gain the tools and resources to manage your finances effectively. If you value robust banking features and want a reliable cash advance app, Varo is an excellent choice.

Earnin: Best for Managing Bank Account

I have discovered another fantastic cash advance app that can help you effectively manage your bank account and access the money you’ve earned before your payday. Allow me to introduce you to Earnin, a unique app that offers a seamless way to handle your finances with ease.

With Earnin, you can claim up to $750 per pay period, based on your earnings and payroll hours. This feature allows you to access the money that you’ve already earned, giving you the financial flexibility you need to cover unexpected expenses or make ends meet until your next payday.

Earnin goes beyond just providing cash advances. They also offer a two-day-early paycheck option, allowing you to receive your money before your scheduled payday. This can be incredibly helpful when you need funds immediately.

One of the great things about Earnin is that they don’t charge any fees for their services. That means you can access your money without worrying about additional costs eating into your paycheck. However, it’s important to note that cash-outs may take 2 to 3 business days to process.

If you’re in a hurry to receive your funds, Earnin also offers lightning speed payments. While this service is convenient, keep in mind that fees may apply for faster processing.

Managing your bank account has never been easier than with Earnin. Whether you need to access your earned income early or want to take advantage of the two-day-early paycheck option, this app offers the tools you need to stay in control of your finances.

Why Choose Earnin for Managing Your Bank Account?

With Earnin, you can confidently manage your bank account, access cash advances, and take control of your financial well-being. It’s the perfect solution for anyone looking for a reliable app to help them navigate their financial journey.

MoneyLion: Best for Building Credit

When it comes to building credit while accessing cash advances, MoneyLion is a top choice. This comprehensive financial management app offers a range of features designed to help users improve their credit score while providing immediate financial support through their service called Instacash.

With MoneyLion, users can claim up to $500 in cash advances, providing a convenient solution for unexpected expenses or emergencies. What sets MoneyLion apart is that there are no fees or interest charges associated with their cash advances, making it a budget-friendly option for those in need.

In addition to cash advances, MoneyLion offers credit building options. By using their Credit Builder Plus membership, users have access to credit tracking tools and credit-building loans. These loans allow users to borrow money that is deposited into a Credit Reserve Account, helping establish positive payment history and improving their credit score over time.

MoneyLion also provides early paycheck access, allowing users to receive their funds up to two days early. This can be particularly beneficial for individuals who need immediate access to their wages to cover essential expenses.

Furthermore, MoneyLion offers savings goals tracking, empowering users to set financial targets and track their progress. This feature encourages responsible money management and establishes a solid foundation for future financial stability.

No Fees or Interest Charges

One of the standout benefits of MoneyLion is that there are no fees or interest charges associated with their cash advances. This means that users can access the funds they need without incurring additional costs or hidden charges. Whether it’s a medical bill, car repair, or any other unexpected expense, MoneyLion provides a transparent and cost-effective solution.

“With MoneyLion, you can build credit while accessing much-needed cash advances, all without incurring any fees or interest charges.”

Credit Building Options

In today’s financial landscape, having a good credit score is essential. MoneyLion recognizes the importance of credit building and offers tools to help users improve their creditworthiness. Through their Credit Builder Plus membership, users can access credit tracking tools and credit-building loans. This unique feature sets MoneyLion apart from other cash advance apps, providing a holistic approach to financial management.

Early Paycheck Access and Savings Goals Tracking

In addition to cash advances and credit building options, MoneyLion offers early paycheck access and savings goals tracking. By providing users with the ability to access their wages up to two days early, MoneyLion ensures that individuals can stay on top of their financial commitments. The savings goals tracking feature further encourages responsible financial habits, allowing users to set targets and monitor their progress.

Overall, MoneyLion is an all-in-one financial management app that goes beyond providing cash advances. With its credit building options, early paycheck access, and savings goals tracking, MoneyLion offers a comprehensive solution for individuals looking to build credit and improve their financial well-being.

Pros Cons
  • No fees or interest charges for cash advances
  • Credit building options available
  • Early paycheck access
  • Savings goals tracking
  • No cash advances over $500
  • Services not available in all states
  • Must have a linked bank account for Instacash

Convenient and Cost-Effective

MoneyLion provides a convenient and cost-effective solution for those seeking cash advances while building credit. With their unique credit building options, early paycheck access, and savings goals tracking, MoneyLion aims to empower individuals to take control of their financial future. Whether you need immediate funds or want to establish a positive credit history, MoneyLion is a reliable choice.

MoneyLion: Best for Building Credit

Brigit: Best for Budgeting Tool Selection

When it comes to managing your finances, having the right budgeting tools can make all the difference. That’s where Brigit comes in. As a cash advance app, Brigit not only provides instant loan options but also offers a range of budgeting features to help you stay on top of your financial goals.

With Brigit, you can access cash advances of up to $250, providing a safety net for unexpected expenses. The best part? Brigit doesn’t charge interest, fees, or tips like many other apps, making it a cost-effective solution for managing your short-term cash needs.

But Brigit goes beyond just cash advances. It offers an array of budgeting tools to help you track your expenses, set saving goals, and manage your overall financial health. These tools can give you a clear picture of your spending habits, allowing you to make more informed decisions about your finances.

Brigit also understands the importance of financial security. That’s why they offer additional benefits like overdraft protection and identity theft insurance. These features provide added peace of mind and help safeguard your financial well-being.

Flexibility is another key aspect of Brigit’s offering. They understand that life can be unpredictable, so they provide flexible repayment schedules that align with your paydays. This ensures that you can manage your cash advances without adding unnecessary stress to your financial situation.

Pros Cons
  • No interest, fees, or tips
  • Overdraft protection
  • Identity theft insurance
  • Flexible repayment schedules
  • Monthly subscription fee ranging from $9.99 to $14.99 per month

Brigit Subscription Plans:

Plan Price
Basic $9.99 per month
Plus $14.99 per month

While Brigit offers a range of valuable features, it’s important to note that there is a subscription fee to access these benefits. The Basic plan is available for $9.99 per month, while the Plus plan, which includes additional features like faster cash advances, is priced at $14.99 per month. Consider your budget and financial needs before opting for a subscription plan.

Overall, Brigit provides a comprehensive solution for cash advances and budgeting tools. Its emphasis on affordability and flexibility sets it apart from other apps in the market. So, if you’re looking for a reliable and user-friendly app to help you manage your cash flow and stay on top of your budget, Brigit is an excellent choice.

Albert: Best for Money Questions

When it comes to cash advances and banking services, Albert is another top contender in the market. With Albert, users have access to cash advance options up to $250. Furthermore, Albert offers the unique feature of allowing users to request payment extensions, providing added flexibility during uncertain times. However, it’s important to note that most of Albert’s features require a monthly subscription fee of $14.99.

If you have questions about managing your money or need assistance with financial planning, Albert is there to help. They offer personalized insights and guidance to answer any money-related queries you may have. With Albert, you can gain a better understanding of your financial situation and make informed decisions to improve your overall financial well-being.

Whether you have specific money questions or need cash advances, Albert is a reliable option that combines banking services with expert financial guidance.

Key Features of Albert:

  • Access to cash advances up to $250
  • Option to request payment extensions
  • Personalized insights and guidance for money-related questions
Pros Cons
  • Opportunity for cash advances up to $250
  • Flexibility with payment extensions
  • Expert financial guidance
  • Monthly subscription fee of $14.99

With Albert, you can address your money questions and access cash advances when needed, all while receiving valuable financial guidance. It’s a comprehensive solution that combines the convenience of cash advances with expert insights to support your financial well-being.

Albert Logo

Payactiv: Best for Cash Pick Up at Walmart

When it comes to accessing cash advances, Payactiv is a top choice. With Payactiv, users have the opportunity to access up to 50% of their net pay before payday, allowing for greater control over their cash flow and financial stability.

One standout feature of Payactiv is its partnership with Walmart, which enables users to conveniently pick up their cash advances at any Walmart location. This partnership makes accessing funds quick and hassle-free, eliminating the need to wait for funds to be deposited into a bank account.

Payactiv operates on a unique model. To use the app, individuals must have their employer subscribed to the Payactiv service. Once enrolled, users can request cash advances and receive the funds instantly, avoiding the stress and uncertainty of waiting until payday.

It’s important to note that Payactiv charges a fee of $1 per day, up to $5 per month, for cash advances. While this is a small fee, it’s crucial to consider it when deciding on the right cash advance app for your needs.

“With Payactiv, I no longer have to worry about waiting for payday to access the money I’ve earned. The ability to pick up my cash advances at Walmart is incredibly convenient and saves me time and stress.” – Payactiv user

Payactiv offers a streamlined and convenient way to access the cash you need, with the added benefit of Walmart pick-up locations. If your employer is partnered with Payactiv, it’s worth considering this app for its accessibility and flexibility.

App Eligibility Maximum Cash Advance Fees
Payactiv Requires employer subscription Up to 50% of net pay $1 per day, up to $5 per month
Empower No specific eligibility requirements Up to $250 $8 monthly subscription fee
Varo Active account with $800 in direct deposits Up to $250 No fees
Earnin Linked bank account and consistent income Up to $750 per pay period No fees, but optional tips

One @ Work: Best for Early Earned Income Access at Some Employers

When it comes to accessing your hard-earned income before payday, One @ Work (formerly known as Even) is here to assist eligible employees. With the One @ Work app, you can conveniently tap into up to 50% of your earned income through their Instapay feature, providing you with much-needed cash advances.

One @ Work understands the importance of seamless repayment, which is why they automatically deduct the advance from your next paycheck. This streamlined process ensures that you can access your earnings early without worrying about repayment.

It’s important to note that One @ Work is available only if your employer partners with the service. If your employer has enrolled in One @ Work, you can take advantage of the early earned access feature and experience greater financial flexibility.

Early Earned Income Access

App Name Key Features Availability
One @ Work – Early access to earned income
– Seamless repayment on payday
Available only if the user’s employer signs up for the service

With One @ Work, you can enjoy the benefits of accessing your hard-earned income early, providing you with the financial flexibility you need to cover unexpected expenses or manage your finances more efficiently.

Klover: Best for Extra Rewards

Klover is an excellent cash advance app that offers users the convenience of accessing cash advances of up to $200. What sets Klover apart is its unique feature of providing extra rewards for its users. With Klover, you not only get the cash you need but also have the opportunity to earn points for each cash advance you make.

These points can be accumulated and redeemed for various rewards, such as gift cards, discounts, or even cashback. Klover also offers users the option to earn points by participating in surveys, allowing you to maximize your rewards. So, whenever you need a quick cash boost, Klover not only helps you out financially but also rewards you for it.

In addition to the extra rewards, Klover provides a user-friendly interface that makes managing your finances a breeze. You can easily track your savings goals, monitor your cash advance history, and stay on top of your financial progress. Klover puts you in control of your financial journey.

To qualify for cash advances through Klover, you need to have three consistent direct deposits over the last two months. This requirement ensures that you have a steady income source and can responsibly manage the cash advances provided by the app. Once you meet this criterion, you can start benefiting from the extra rewards offered by Klover.

Benefits of Klover:

  • Earn points for each cash advance
  • Redeem points for rewards like gift cards and cashback
  • Opportunity to earn points through surveys
  • User-friendly interface for easy financial management

Requirements for Cash Advances:

Requirement Description
Three Consistent Direct Deposits Users must have three consistent direct deposits over the last two months to qualify for cash advances.

With Klover, not only can you access the cash you need instantly, but you also get extra rewards for doing so. Take advantage of this app to receive financial assistance while earning valuable rewards. Start using Klover today and experience the convenience of cash advances with extra benefits.

Possible: Best for Installment Loan Options

When it comes to installment loan options, Possible is a top contender in the world of instant loan apps. With Possible, users can easily take out loans of up to $500, providing a possible solution to their financial needs. But what sets Possible apart from other cash advance apps? Let’s take a closer look.

Interest-Free Loans with Flexible Repayment

One of the key benefits of using Possible is the availability of interest-free loans. This means that users can borrow money without incurring any additional interest charges, helping them save money in the long run. Additionally, Possible offers flexible repayment options over the course of eight weeks, giving borrowers the freedom to manage their finances more effectively.

Loan Limit and Fund Availability

While Possible allows users to borrow up to $500, it’s important to note that in California, the loan limit is capped at $250. This restriction may affect users in the state who require higher loan amounts. Furthermore, it’s worth mentioning that it may take up to five days for the funds to reach the user’s account. It’s crucial to plan accordingly and consider this timeframe when applying for a loan through Possible.

Branch: Best for Easy-to-Use Digital Wallet

When it comes to an easy-to-use digital wallet and convenient cash advance options, Branch is a top choice. As a Branch user, you can access up to 50% of your paycheck early, without worrying about any monthly fees. With Branch, managing your finances becomes hassle-free.

Branch goes beyond just cash advances. They also offer a range of features designed to help you stay on top of your budget. Their in-app budgeting tools enable you to track your expenses and savings with ease. Additionally, Branch provides free financial advice to help you make better financial decisions and reach your goals.

Take a look at some of the key features offered by Branch:

  1. Easy access to up to 50% of your paycheck before payday.
  2. No monthly fee, making it a cost-effective option.
  3. In-app budgeting tools for better financial planning.
  4. Free financial advice to help you make informed decisions.

Whether you need extra cash for an unexpected expense or want to take control of your finances, Branch has you covered. With their user-friendly interface and helpful features, Branch makes it simple to manage your money and access the funds you need.

Pros Cons
Easy-to-use digital wallet No rewards program
No monthly fee May have limited cash advance amount
In-app budgeting tools
Free financial advice

Branch is a reliable option for those seeking an easy-to-use digital wallet and quick access to cash. Give it a try and experience the convenience for yourself!

DailyPay: Best for Earned Income Access

When it comes to accessing your hard-earned income, DailyPay is the top choice. With DailyPay, you no longer have to wait for payday to receive your earnings. Instead, you can access 100% of your earned income as you make it.

One of the key features of DailyPay is its integration with employers’ timekeeping systems. This integration allows DailyPay to track your hours and the corresponding accessible earnings. By providing real-time access to your earnings, DailyPay empowers you to take control of your finances and eliminates the need to rely on cash advances or instant loan apps.

If you value the flexibility and convenience of accessing your earned income on demand, DailyPay is the perfect solution. Say goodbye to waiting for payday and embrace the freedom of accessing your hard-earned money whenever you need it.

Key Features of DailyPay:

  • Access 100% of your earned income
  • No need to wait for payday
  • Integration with employers’ timekeeping systems

Experience the convenience of DailyPay and take control of your financial well-being. Sign up today and start enjoying the benefits of instant access to your hard-earned income.

App Key Features Fees
DailyPay 100% earned income access
Integration with employers’ timekeeping systems
No fees

DailyPay Banner


In conclusion, the market is filled with various cash advance apps like Dave that offer instant loan options and a range of financial management tools. These apps provide convenient solutions for individuals seeking quick access to cash, assistance with budgeting, and even credit-building opportunities.

When choosing the right app for your financial needs, it is essential to carefully consider the features and fees associated with each option. Evaluate factors such as the maximum loan amount, repayment terms, interest rates, and any additional benefits that may be offered.

Whether you require emergency funds, wish to gain better control over your finances, or aim to improve your credit score, these cash advance apps present viable solutions. Take advantage of the tools and resources at your disposal to optimize your financial management and make informed decisions that align with your goals.


Are there any alternative cash advance apps like Dave?

Yes, there are several other apps like Dave that offer similar services.

What are some of the top cash advance apps for instant loans?

Some of the top cash advance apps for instant loans include Empower, Varo, Earnin, MoneyLion, Brigit, Albert, Payactiv, One @ Work, Klover, Possible, Branch, and DailyPay.

What features do these cash advance apps offer?

These cash advance apps offer various features such as cash-back rewards, two-day-early paycheck options, no interest or fees for cash advances, credit building options, overdraft protection, identity theft insurance, flexible repayment schedules, installment loan options, digital wallets, in-app budgeting tools, and access to earned income.

Are there any fees associated with these cash advance apps?

While some cash advance apps do not charge any fees or interest for cash advances, others may have monthly subscription fees or daily fees for accessing earned income.

Can users access cash advances even if their employers don’t offer the service?

Some cash advance apps require employer participation, while others allow users to access cash advances without employer involvement.

How much can users borrow through these cash advance apps?

The borrowing limits vary among these cash advance apps, ranging from 0 to 0.

Are there any eligibility requirements for accessing cash advances?

Each cash advance app may have different eligibility requirements, such as minimum account activity, direct deposit amounts, or consistent direct deposits over a certain period.

How quickly can users receive the cash advances?

Cash advances can be received within 2 to 3 business days, although some apps may offer lightning speed payments for an additional fee.

Are there any alternatives to cash advances offered by these apps?

Some of these apps offer additional features such as early access to earned income, credit building options, savings goals tracking, and free financial advice.

What are the benefits of using these instant loan apps?

The benefits of using these instant loan apps include quick access to cash when needed, convenient financial management tools, budgeting assistance, and options for building credit.

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Financial expert with Wall Street and real world experience covering personal finance, investments, financial independence, entrepreneurship.



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