Apps Like Brigit: 7 Cash Advance Alternatives Compared

If you're looking for apps like Brigit, alternatives include Albert, Cleo, Dave, EarnIn, FloatMe, Klover and MoneyLion's Instacash®. Some offer higher advance limits or no required subscription, while others stand out for budgeting tools, paycheck-based access or smaller cash gaps.

Below, you'll see how they compare on advance amounts, fees, funding speed and repayment, plus how to pick the one that fits the way you get paid.

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Best Apps Like Brigit: At a Glance

Albert vs. Brigit

Albert advertises a high maximum, but most users typically get less than $1,000. Albert doesn’t charge interest or require a credit check. 

• Max advance: Up to $1,000 

• Cost: Draw or instant transfer fees may apply and will be disclosed in the app.

• Funding speed: Instant if sent to Albert Cash account or up to three business days standard

• Why choose it over Brigit: The maximum advance is higher, and a subscription isn't required for an advance.

• Biggest trade-off: Most users will not be able to get the $1,000 maximum advance.

Pros and Cons of Albert

Cleo vs. Brigit

Cleo is part chatbot, part coach and part cash advance app. You can access up to $250 or up to $500 with direct deposit and a Builder membership. Consider Cleo over Brigit if you want budgeting guidance and money coaching alongside your cash advance.

• Max advance: Up to $250 or $500 when you set up direct deposit and have a Builder membership

• Cost: Optional express fees, plus a $5.99 to $14.99 membership for higher advance amounts

• Funding speed: Same-day with express or up to four business days standard 

• Why choose it over Brigit: You want more hands-on budgeting and money coaching alongside your advance.

• Biggest trade-off: Accessing higher advance limits requires direct deposit and a paid membership.

Pros and Cons of Cleo

Dave vs. Brigit

Dave ExtraCash lets you access up to $500. There’s a small monthly fee, along with a service fee for each transfer but you’ll also get budgeting tools and alerts to help you stay ahead. Pick Dave over Brigit if you want a lower monthly membership fee and convenient built-in financial tools.

If you're still comparing your options, check out other apps like Dave to see how their limits, fees and features stack up.

• Max advance: Up to $500

• Cost: Monthly membership fee of up to $5. Each advance also carries a service fee of 5% or $5, whichever is greater. Transfers to external debit accounts can cost an extra 1.5%.

• Funding speed: Instant to Dave Checking account, one hour to external debit card with a fee or up to three business days standard

• Why choose it over Brigit: The monthly membership costs less, and you still get budgeting tools and advances up to $500.

• Biggest trade-off: A service fee applies to each advance, so the membership price doesn't necessarily mean lower total cost.

Pros and Cons of Dave

EarnIn vs. Brigit

EarnIn connects to your job’s payroll so you can access the money you’ve already earned. Access up to $150 a day or $1,000 per pay period, with no mandatory fees. You can use Lightning Speed for faster delivery. Choose EarnIn over Brigit if you're paid regularly and want higher paycheck-based advance limits without a subscription.

If this doesn't sound right for you, compare other apps like EarnIn that offer early access to funds and additional financial tools.

• Max advance: Up to $150 per day or $1,000 per pay period 

• Cost: Optional fee for Lightning Speed transfers

• Funding speed: Within minutes with Lightning Speed or up to two business days for standard

• Why choose it over Brigit: There's no required monthly subscription and you may be able to access up to $1,000 per pay period.

• Biggest trade-off: Access is tied to your earnings, and your available amount may be lower than the maximum.

Pros and Cons of EarnIn

FloatMe vs. Brigit

To qualify for a FloatMe cash advance, you'll need to sign up for a membership. The subscription amount is nominal compared to other apps. However, the maximum amount you can access is only $200. FloatMe is best for small cash gaps.   

• Max advance: Up to $200

• Cost: $6.99 monthly membership, optional expedited transfer fees

• Funding speed: Within a few hours or up to three business days 

• Why choose it over Brigit: The monthly membership costs less if you only need advances of $200 or less.

• Biggest trade-off: The $200 maximum is lower than Brigit's, and you'll pay the membership fee whether or not you take an advance.

 Pros and Cons of FloatMe

Klover vs. Brigit

Klover advertises advances of up to $750 with no interest or required tips. The trade-off? Ads. Klover uses partner offers and short video spots to fund your advance. Consider Klover over Brigit if avoiding a monthly subscription matters more than extra budgeting features.

• Max advance: Up to $750 

• Cost: Optional express fees

• Funding speed: Express in minutes or up to three business days

• Why choose it over Brigit: You can access advances without paying a monthly subscription.

• Biggest trade-off: Your starting limit may be lower, and qualifying for larger advances can take time.

Pros and Cons of Klover

MoneyLion Instacash vs. Brigit 

Instacash isn't a loan — it's an earned wage access product that lets eligible users access a portion of wages they have already earned before payday. Standard delivery is available without a mandatory fee, while expedited delivery costs extra. The mobile app also includes tools for credit, budgeting and rewards.

Both MoneyLion Instacash and Brigit advertise advances of up to $500 for eligible users, but their fees and funding timelines differ. Brigit charges a monthly subscription of $8.99 to $15.99, while Instacash doesn't require a monthly subscription.

If you need only occasional access to funds, an option without a required subscription may be more cost-effective. Brigit may appeal to users who want budgeting and other financial tools included with their membership.

• Max advance: Up to $500

• Cost: No mandatory fee for standard delivery, expedited delivery costs extra

• Funding speed: Within minutes or up to five business days

• Why choose it over Brigit: There's no required monthly subscription, and standard delivery carries no mandatory fee.

• Biggest trade-off: Standard delivery can take up to five business days, while expedited delivery costs extra.

Pros and Cons of MoneyLion Instacash

How To Choose the Right Brigit Alternative

You should choose an app based on why you need it in the first place. Keep these tips in mind:  

• Choose an app with the lowest recurring cost: If you plan to access funds infrequently. Look for a cash advance app that doesn’t charge a subscription fee.  

• Choose an app that has the highest potential advance: If you’re seeking more than a few hundred dollars.  

• Choose an app that doesn’t rely on regular paychecks to lend: If you’re a gig or freelance worker or generally have irregular income.  

• Choose an app that comes with minimal fees: If you frequently need cash advances.  

• Choose faster funding apps: If you need cash immediately.  

• Choose an app that offers more than cash advances: If you want budgeting tools, identity theft protection and AI tools.  

If you only need a small amount to cover an expense, compare $100 instant loan apps to see which options may fit your needs.

What Cash Advance Apps Look for When You Apply

Many cash advance apps decide how much to advance based on your income and banking activity rather than a credit check.

• Expect to link a checking account and show regular deposits, such as paychecks, over a period of time. Apps can differ on how many deposits they want and how long the account needs to be open, so read each app's requirements before you sign up.

• If your income varies, deposits that arrive on an uneven schedule can lower your advance limit or affect your eligibility. Compare more than one app before you decide, and pick the one whose requirements match how you actually get paid.

What To Watch Out for Before Using a Cash Advance App

As you shop around for a cash advance app, you’ll need to be mindful of:  

• Recurring subscriptions: Pay attention to how much it costs to access cash advances. Decide how frequently you need one and whether the subscription fee is worth it. 

• Expedited delivery fees: If you want cash fast, you’ll likely pay an expedited transfer fee. Compare a few apps to see how these fees stack up.

• Automatic repayment: Understand the repercussions if your account is linked to the app. Automatic repayment means that if there is not enough money to cover your cash advance repayment, you’ll have to pay insufficient funds to your bank.

• Advertised maximums: The highlighted maximums aren't necessarily the amount you will be able to get. If you’re a new customer, you likely will get less. 

• Cash advance stacking: You don’t want to take out multiple cash advances from several different apps. This could trap you in a debt cycle.

How To Avoid Getting Stuck in a Cash Advance Cycle

A cash advance can help with a short gap, but using one every pay period can leave you with less cash each time.

• To break the cycle, start by using any budgeting tools in the app to see where your money goes.

• Set a reminder for each repayment date so the withdrawal never catches you off guard.

• Avoid stacking advances from more than one app, since that can make the next paycheck even tighter.

• If you can, add a little extra income, such as a side gig, to build a small buffer so you need the advance less often.

Remember: A cash advance app works best as a bridge, not a monthly habit.

Need Help Managing Rent Payments?

If covering rent is your main concern, MoneyLion Split offers another way to manage the timing of your payments.

With MoneyLion Split, you pay your rent in two payments each month. It’s designed to make rent payments easier to manage. You don’t need a MoneyLion One membership to use Split. You pay your landlord directly, so there’s no need for them to sign up or participate. There’s a 3% total fee across the two payments — 1.5% of the total monthly rent per payment. The fee may be waived when qualifying direct deposit or account balance requirements are met.

Here’s how it works: Set aside up to 50% of your monthly rent in a MoneyLion Split Reserve account. You pay $0 out of pocket for rent on the first of the month. MoneyLion Split provides funds toward your rent payment, and you’ll use those funds to pay your landlord directly. You’ll repay the funds in two payments later in the month.

Bottom Line

• Brigit is best for those users who want to frequently access cash advances.  

• With the subscription fee, you can take advantage of bundled budgeting, identity theft protection and credit builder.  

• If you need funds infrequently, then it’s best to go with a cash advance app that doesn’t charge a monthly subscription fee.  

Key Terms

• Cash advance app: A mobile app that lets you access a small amount of money before payday, usually with no interest or hard credit check, repaid automatically from your linked account on your next pay date.

• EWA: A service that lets you tap wages you've already earned ahead of payday. It isn't a loan and typically carries no interest, though instant delivery may cost extra.

• Subscription fee: A recurring monthly charge some apps require to unlock advances and tools, commonly $5 to $16 a month. Factor it into the true cost, since it applies whether or not you borrow.

• Expedited delivery fee: An optional charge for getting your advance within minutes instead of waiting the standard one to five business days. Standard delivery is usually no-fee but slower.

• Optional tip: A voluntary amount some apps request in place of fees. It's never required and doesn't change your eligibility, but it raises the real cost of the advance.

• Repayment date: The day the app withdraws your advance, usually your next direct deposit. If your balance is low, some apps retry later or take partial payments rather than charging a late fee.

Sources

• Consumer Financial Protection Bureau: What is a payday loan?

• Consumer Financial Protection Bureau: What can I do if my bank charged me a fee for overdrawing my account?

• Federal Register: Truth in Lending (Regulation Z); Non-application to Earned Wage Access Products

Data is accurate as of Oct. 23, 2026, and is subject to change.

Jacinta Majauskas contributed to the reporting for this article. 

Parts of this article were created with AI assistance. MoneyLion editors reviewed, fact-checked and edited the final version and are responsible for its accuracy.