8 Best Apps Like Brigit For Instant Cash Advances

Brigit is a popular personal finance app in the United States that helps its members access $250 cash advances without interest fees, late fees, or credit checks. And unlike Dave, Brigit doesn't ask for optional tips from its members.

Brigit also offers a credit builder service. The app will help you apply for a 24-month loan, and keep the loan secured in a deposit account. At the end of the loan period, your deposit will pay off the Brigit loan to strengthen your credit history.

The downside is that only qualifying Plus members (who pay $9.99 per month) can access Brigit's cash advance and credit builder features. If you are a free plan member, you'll only be able to use Brigit's financial planning tools to monitor spending and access a gig marketplace for opportunities to earn extra income.

Luckily, there are many other companies who charge lower membership fees compared to Brigit, or none at all. This article will explore the best alternatives like Current, and Dave that offer financial services similar to the Brigit app.

The Top 8 Cash Advance Apps Like Brigit

Brigit's platform is a good option for bank account holders who often overdraft their accounts, especially when you're running low on cash just before your next payday. Brigit integrates with your primary bank account to warn you when you're close to risking an overdraft. If you quality for Brigit's cash advance feature, Brigit can automatically spot you the overdraft amount to prevent you from paying overdraft fees.

Brigit Instant Cash

You may be approved for a Brigit cash advance if you can confirm that your account has been active for at least 60 days, has a balance above $0, and has 3 recurring deposits from the same source. Brigit is not a bank itself, but partners with Coastal Community Bank, Member FDIC for banking services.

Once requested, the cash advance should arrive in your account in 2 to 3 business days. Brigit has an Instant transfer feature that expedites the process for $0.99-$3.99, depending on the size of the advance.

Brigit Credit Builder

Brigit Plus members will also access the credit builder feature. You can take out a secure loan with Brigit, which will expand your credit mix and build a positive credit history once it is paid back in full.

Another advantage with Brigit is that it is open to US residents, not just US citizens. If you are an immigrant with US residency, Brigit may the most accessible option on this list. Similar to Dave, you'll get access to a catalog of side gigs that you can choose from to get some extra income.

Despite these benefits, Brigit membership does cost $9.99 per month while other competitors have much lower monthly fees. Some companies also offer more generous cash advances than Brigit. Let's see what the eight other cash advance apps offer (all available on Android or iPhone) and how you can take advantage of their services:

1 — Dave ExtraCash™

We think that Dave is the best option because it offers the opportunity for the largest advance on this list. Dave members can use the ExtraCash™ service to get a $500 cash advance transferred immediately to your account, which is free of interest charges or late fees. You can spend the money on anything you need, from gas to groceries to rent. While cheaper than Brigit, Dave does charge a $1 monthly membership.

• Advance amount: Up to $500 per pay period
• Processing time: 2-3 banking days. Instant feature expedites the process for $0.99-$3.99
• Repayment date: Your next payday
• Membership fee: $1.00

You should have at least three regular deposits to be eligible. A consistent income history and responsible spending habits will also improve your profile. You can increase your advances by having a total monthly deposit of $1,000 or more. You can enhance your eligibility when you link your bank and have a 60-day account history of positive balances.

Like other apps on this list, Dave offers a function to get paid up to two days earlier than your traditional bank if you set up a qualifying direct deposit. Like Brigit, you'll access a large portfolio of businesses that offer gig work for you to earn a side hustle.

Dave's express fee to the Spending account ranges from $1.99 to $9.99, depending on the size of your advance. You can also send the cash advance to an external debit card within 1 hour. Dave's card transfer fees range from $2.99 to $13.99.

More info: read our Dave comparison guide or visit the Dave website
FDIC-insured parter: Evolve Bank & Trust, Member FDIC

2 — Current Overdrive

Current offers the Overdrive™ feature, granting access to up to $200 without incurring overdraft fees. To be eligible, you must receive $500 or more in qualifying deposits into your current account within the past 30 days:

• Advance amount: Between $25 to $200
• Processing time: Immediate
• Repayment date: Within 60 days.
• Membership fee: None

Beyond its borrowing feature, Current boasts saving pods with competitive APY rates, a credit builder card, and the opportunity to receive your salary up to two days earlier.

Current offers a points program for spending at participating merchants, and it doesn't impose any monthly fees. Additionally, Current presents a robust network of 40,000 fee-free ATMs and the convenience of depositing paper checks.

More info: read our in-depth Current review or visit the Current website
FDIC-insured parter: Choice Financial Group, Member FDIC

4 — EarnIn Cash Out

EarnIn has their "Cash Out" feature, which allows you to access up to $750 per month of your pay early (eligibility based on your hourly wage), with a daily limit of $100. To access this feature, you must verify your income and employment. If you have a consistent source of income, EarnIn can help you spread out access to your paycheck throughout the whole month.

• Advance amount: Up to $750 per pay period
• Processing time: 1-2 banking days. "Lightning Speed" feature expedites the process for $0.99-$3.99
• Repayment date: Your next payday
• Membership fee: None

Instead of transferring funds to your main bank, you can also use their EarnIn Card, a Visa contactless card. This card enables immediate access to your earnings, allowing you to spend up to $1,500 per day. You can also take a no-fee cash advance of up to $300 per day from an ATM using the card.

EarnIn does not offer a credit builder, but it does have credit monitoring software. The credit monitor tracks your various lines of credit, and notifies you when you have payments and when you risk decreasing your credit score.

More info: read our EarnIn comparison guide or visit the EarnIn website
FDIC-insured parter: Evolve Bank & Trust, Member FDIC

5 — Varo Advance

Varo introduces the "Advance" feature, accessible to those with a minimum of $1,000 in qualifying direct deposits to their Varo Bank Account. Varo's Advance feature allows you to borrow up to $250.

• Advance amount: Between $20 - $250
• Processing time: Immediate
• Repayment date: Select your own date, within 15 to 30 days.
• Membership fee: None

While no interest fee is charged, a fixed fee of between 6% to 8% will accompany every cash advance exceeding $20. In addition to its borrowing feature, Varo offers a credit builder card and a checking account without a monthly maintenance fee.

Unique compared to other cash advance apps on this list, Varo is a duly-licensed bank in the United States and a Member FDIC.

More info: visit the Varo website
FDIC-insured parter: Varo Bank, NA, Member FDIC

6 — Empower Cash Advance

Empower provides you with cash advances by linking your primary bank account via Plaid. Cash Advance offers range between $10 - $250.

• Advance amount: Up to $250 per pay period
• Processing time: 2-5 banking days. "Instant" delivery for $1.00-$8.00
• Repayment date: Empower sets a flexible date within the app
• Membership fee: $8

Empower determines your eligibility for a cash advance by reviewing sources of income and transaction history in your primary checking account, which it is able to do with integration with Plaid. Like Brigit and other apps on this list, Empower requires no credit checks from you.

Empower sets a repayment date, which you will be able to review before taking the cash advance. If you do not pay on time, you will be able to flexibly re-set the date, and Empower will not charge late fees or interest.

More info: visit the Empower website
FDIC-insured parter: nbkc bank, Member FDIC

7 — Albert Instant

Albert is another app that provides access to cash advances of up to $250. To qualify, establish a direct deposit setup and offer evidence of steady income for at least the past 60 days from the same employer. Similar to Brigit, Albert's "Instant" cash advances don't impose interest or late fees. You're allowed up to three cash advances during each pay period, with the total capped at $250.

• Advance amount: Up to $250
• Processing time: 2-3 days, or instant loans for a small fee
• Repayment date: Your next payday
• Membership fee: None (Genius plan is $14.99 per month)

Albert offers an optional premium membership known as "Genius," which costs $96 per year. This subscription unlocks additional features, including investment options. In our opinion, Albert's additional features do not greatly differ from those you'd find in Chime, Revolut, or Dave. It's also worth noting that when you create an account with Albert, you will be automatically enrolled in the Genius free trial, which must be canceled after 30 days if you do not want to pay the full year's membership fee.

More info: visit the Albert website
FDIC-insured parter: Sutton Bank, Member FDIC

8 — Revolut Early Salary

Revolut doesn't offer a loan feature, but does have the "Early Salary" feature. If your salary is directly deposited into your Revolut account, you'll eligible to receive your funds up to two days earlier than traditional banks.

• Early salary: Don't wait on your conventional bank
• Processing time: 2 days early
• Fees: No fees
• Membership fee: None

Revolut extends its appeal with features that allow you to manage and block unwanted subscriptions, access secure savings vaults with attractive APY rates, earn rewards from participating merchants, and enjoy travel perks as a paid member.

Unlike Brigit and the other cash advance apps, Revolut offers a multi-currency account supporting 28 foreign currencies for exchanging up to $1,000 per month without any fees. In addition to cheap international money transfer capabilities, Revolut provides access to a fee-free network of 55,000 ATMs, budgeting features, and more.

More info: read our in-depth Revolut review or visit the Revolut website
FDIC-insured parter: Metropolitan Commercial Bank, Member FDIC