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15+ Cash Advance Apps Like Moneylion in 2024

15+ Cash Advance Apps Like Moneylion in 2024

People stretched on money often have to borrow money in between the months, and if it is to a relative or friend, it not only lowers your self-esteem but can also embarrass you for sometimes asking for as small an amount as $20. And here come cash advance apps like MoneyLion, which save you without making you feel any stigma because you do it overtly on your phone, but it is covert from the world.

As per a report, over 60% of Americans are living paycheck to paycheck, and as inflation soars, they run out of money before their next paycheck and have to lend to make ends meet or make an urgent or suddenly sprung transaction. Amidst the deluge of apps like MoneyLion in the app stores, it becomes cumbersome to try out each one of them and trust them with your credentials.

But worry not; we have listed the top cash advance apps you can borrow money from. So, without further ado, let’s dive into the blog by first understanding what exactly cash advance apps are and how they work.

What Exactly Are Cash Advance Apps?

Cash advance apps are like these phone apps that let you borrow some money, usually not more than $1,000, without having to go to a bank or fill out a bunch of forms. You just link the app with your bank account or debit card, and if approved, the money goes straight into your account. You pay them back with interest and fees once you get your paycheck.

15+ Cash Advance Apps Like MoneyLion


Earnin Advance is a feature offered by the Earnin app that allows users to get up to $100 of their paycheck in advance. This feature is here to help users avoid overdraft fees or the need for payday loans.

To be eligible for Earnin Advance, users must have a job with a consistent paycheck, a checking account with direct deposit, and a regular payday schedule. The amount available in advance is based on the user’s pay rate and work schedule. For example, if a user is paid biweekly, they may be eligible for up to $50 per pay period. The maximum amount available in advance is $100.

There are no fees or interest charges for using Earnin Advance, but users can choose to tip the service to support its development. Tips are entirely voluntary, and users have the option to tip any amount they choose. 


Chime is a digital finance company that offers banking features, including a checking account, a credit-building account, and a high-yielding savings account. Though Chime does not offer cash advances, it offers overdraft protection via its SpotMe program. It gives you up to $200 to spend, and Chime does not ask for any overdraft fees.

SpotMe® is free for Chime account users, and new users receive overdraft protection starting at $20; however, the limit increases to $200 once you start making timely repayments. There is an eligibility criterion, i.e., you have to have a qualifying direct deposit of at least $200 in your account every month.


Vola gives cash advances of up to $300, and in most cases, you receive money within a span of 5 hours. The thing that makes it stand out is that, unlike other apps, you do not need typical direct deposits to be eligible for a cash advance.

The top pros are the quick turnaround time and comparatively easy criteria to qualify for the loan, but it requires buying a monthly plan to be eligible for it. There is another thing, and that is the Vola score. As your scores increase, you qualify for lower subscription fees.


It comes with amazing features but involves your employer, meaning it assists employers in helping their employees with certain monetary needs. It does not work on fixed limits; rather, it offers a review system that reviews the hours you have worked, and you get the money accordingly.

If you successfully qualify, you will get up to 50% of the next paycheck that you are going to get. Also, you can get the option to pay a minimum to get the money instantly.


You can borrow anywhere between $20 and $250 with $20 advances that are free and paid back within four weeks. Usually, the range is between $0 and $15, which is determined based on the amount. The time to repay is longer than for many other apps. To unlock a larger amount, you have to build trust by repaying smaller advances. Varo’s website is transparent about everything that may concern you and offers a live chat option.

You are required to have a Varo bank account, so the money is related to you in your account instantly, and there is no risk of an overdraft if you don’t have money in your account for repayment. Before you start, it demands that you have at least $800 in direct deposits for the current month or last to qualify for the next advance cash.


It’s quite easy to get up to $100. Until the day you get your paycheck, all you need to do is earn points in the app by completing different tasks and answering questions. So, if you are in trouble and don’t want fees and interest and need money immediately, Klover might be an app that is missing on your phone.

Whether it is one of the apps for image recognition or an app that has a unique idea that you think will quickly take off, you can hire an Android or iOS mobile company that offers bespoke app development services.


One of the features of the app is the ability to get a cash advance on your paycheck. To use the cash advance feature, you need to set up direct deposit with your employer so that your paycheck is deposited into your Dave account.

Once your paycheck has been deposited, you can request a cash advance of up to $100, which will be transferred to your account within a few business days. The app charges a small fee for the cash advance, which is typically around $1 or $2.

The fee is lower than what you would pay for an overdraft fee at a traditional bank, making it an affordable option for many users. In addition to the cash advance feature, Dave also offers budgeting tools, alerts for upcoming bills and expenses, and the ability to track your spending. The app also has a feature that analyzes your spending habits and recommends areas where you could save money.


Cleo is far more than just money management; you are kind of getting a money-saving friend enclosed in an app that can set your roadmap. It uses funny quips and persuades you with motivating messages to manage your spending and savings.

This app will be your cheerleader when you make good financial decisions and kind of rebuke or roast you for the bad ones. It comes with a lot of features, including cash advances, that allow users to borrow small amounts of money. When you sign up, you have a cash advance limit between $20 and $100.

You don’t have to pay any interest on the cash advance, and it does not impact your credit score. You have the liberty to choose your repayment date. A downside is that it is only available if you subscribe to the Cleo Plus plan at $5.99 per month or the Cleo Builder plan at $14.99.


It aims to improve their credit. With Empower, you can get a cash advance of up to $250 with no late fees and no credit check. There is no concept of interest charges, and you instantly get money. Users can use an Empower debit card account to deposit funds or transfer them to another bank. If you get an Empower debit card account, it comes with helpful features such as overdraft fee protection, early paycheck access, and cashback of up to 10% on purchases.


Payactiv stands out for ease, speed, cost, and loan amount, but it all comes with the condition that your employer must be a partner on the app who has the freedom to set the cap and floor. Potentially, you can borrow up to $1,000 if you have a direct deposit set up and up to $500 if you don’t.  It offers multiple free ways to access wages, and you can get up to $1000 if your employer allows it. There are no overhead expenses, like tips or subscription fees.

Whether you want one of the best food delivery apps or apps that lend you to users against a subscription fee or at a certain interest, you can hire a competent partner to code the app. Make sure the app is really high-performing and has a really sleek design because users don’t trust clunky apps.


As the name says, it aims to bridge the days between your payments. Apart from lending you money, it also keeps a check on your banking activity, and in the case of overdrafts, it lets you know. It is a kind of financial tool that helps users with budgeting, spending, and “Instant Cash” cash advances up to $250. With Brigit’s Instant Cash, you can receive your advance in two to three business days.

Brigit also offers credit-building loans, where you can select the repayment plan to return between $1 and $15 in a period of 24 months. The most astounding benefit would be covering up to $1 million in identity theft protection.

There are no interest, fees, or tipping; it is just plain repayment. Also, its credit builder comes in handy for making easy repayment plans. Amazing, right? Now, pay $9.99 for cash advances. Yes, that is the deal breaker; this recurring monthly membership fee is the cost for all these amazing benefits.

Possible Finance

Possible Finance is a digital lender that offers high-interest rates. You can qualify for a loan of up to $500, regardless. Possible Finance makes it easy for you to repay in a period of two months. It also does not require a subscription or monthly fee, so it is good if you are in need of a one-time loan. The downside of the app is its high APR and the fact that it is not available in all states of the USA, only selected ones. But there are no subscriptions or monthly payments, which mostly deter users from taking loans, and you get to repay in the span of two months.


Even is another advance cash app that is a good alternative to MoneyLion. With Even, you can lend up to 50% of your unpaid wages for a given pay period. It is a good substitute for MoneyLion, and depending on how many hours you have worked, you get money.


Moneylion combines the ideas of cash advances and modern banking into a unified group. This methodology proceeds to the Current. A popular alternative for apps that accelerates money transfers and expenditure reports is one of the best features of Current. It also allows for a monthly charge and a premium version for members to acquire extra advantages and plenty of cash advance limits.  These are the qualities and features of Current that help users gain an advantage for quick cash transfers and explore the advances of recent substitutes. 


The 14th alternative for the MoneyLion app is SoFi. In addition to its cash advance functionality, this app offers a wide range of financial services, from insurance to personal loans. This platform comes in handy for handling personal finances and helps with well-being.


We often find ourselves in a situation where we need money to end a sudden urgent transaction and do not want to ask anyone as it makes us embarrassed, and neither does it look good to ask for money if it is a recurring thing. But if you are a person with capital in hand and want to open a passive income stream, you can hire an Android application development company and convey your problem, and they will help you market-proof your idea and development.

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