In this post, we will discuss the best apps and sites like Earnin. It is a useful application that allows people to borrow money from their paychecks. It means that they can access their paychecks whenever they are in need.
The system monitors the users’ earnings and how frequently someone works. Based on it, the limits regarding the amount to withdraw are set.
Does it feel like an application with never-seen-before features? While it’s quite a useful application, it’s not the only one out there. Let’s know about the 20 apps and sites like Earnin.
Table of Contents
- Best Apps and Sites Like Earnin
- Final Words on Sites like Earnin
Best Apps and Sites Like Earnin
To start the list of apps and sites like Earnin, here’s one platform that resembles Earnin in many ways. If you’re worried about your rent payments, using Dave can solve the issue every month. Since the application works with LevelCredit, you will be able to get payments from major credit bureaus. While Earnin is a free application, Dave would cost $1 per month which is quite low.
If you want to earn great interest in your savings, Aspiration will prove to be a useful platform. This application provides a reward debit card along with high-interest savings accounts. The only limitation here is that it doesn’t support cash advances. There are various versions of the application, including Aspiration Plus which can be bought for $7.99. It will help you earn a higher interest rate on your savings.
If you stay in India and are particularly looking for sites and apps like Earnin, Branch is a suitable application for you. Apart from India, this application can be used in countries such as Mexico, Kenya, Tanzania and Nigeria. It provides up to 48-week loans and you will be required to pay a monthly interest rate on it.
Chime is an online financial technology company. It will offer you great results to use your paychecks properly and provides overdraft protection for up to $200. It also works with 60,000+ fee-free ATMs and since you don’t have to pay a service fee here, Chime will help you enjoy several amazing perks.
Also Read: 12 Best Sites Like Affirm for “Buy Now Pay Later” Shopping
We have mentioned Dave and Earnin being very close alternatives to each other. The next on the list of the apps and sites like Earnin is Brigit which has got a similar user interface. It allows you to borrow up to $250 and there’s a ‘Plus Plan’ available which you can buy for a price of $9.99 per month. Instant transfers, automatic overdraft protection and insights into your earnings are some of the features of Brigit.
The Current Bank can prove to be a great platform to keep a check on your paychecks through an online checking account. It provides some amazing features such as a debit card for purchases, 40,000+ fee-free ATMs, one budgeting category, and one savings pod account.
7. Money Lion
It provides you $1,000 loans with terms starting with 1 year. The best part about using this application is that your credit score wouldn’t have an impact on the loan provided to you. It will provide you with a great chance to improve your credit rating as well. So when you’re specifically looking for apps and sites like Earnin, this one is surely going to help.
This platform provides you with free online banking. Along with it, you will also be getting $100 in cash advances here. There are no fees required for cash advances. For normal transactions, you will be charged a maximum of $5 as fees. You will have a great chance to earn up to 15% back on debit card purchases.
9. Possible Finance
If you’re looking to get short-term loans, Possible Finance will work stupendously for you. The maximum loan amount to get here is $500. Since there’s a chance to report to major credit bureaus, you will be able to improve your credit score over some time too.
When we talk about apps and sites like Earnin, Empower stands tall on the list. It has got multiple features to offer to you. You will be able to get cash advances of $250 and manage to proceed with paychecks deposits two days early as well. You will be able to get up to 10% cashback on debit card purchases as well.
Would you like to get 20% back on debit card purchases along with 55,000+ fee-free ATMs? You can use a feature-rich banking app in the form of Albert. You will be able to receive direct deposits up to two days early here. So investing in stocks and themes will become much more exciting. If you pay a small fee regularly, you will be able to get advances up to $250 instantly.
Yotta Savings can be a great way to deal with your funds properly. It will allow you to invest money into a cash management account and potentially win prizes as well. You get a debit card as a reward and 55,000+ fee-free ATMs. Moreover, you will be able to have direct deposits up to two days early on Yotta.
13. Daily Pay
When we talk about apps and sites like Earnin, Daily Pay is a unique option that operates a bit differently. It can collaborate with companies themselves, allowing them to manage their payroll and management systems effectively. You can request your Daily Pay at any given point in time. All it requires from you is to pay a fee of $1.99.
14. One Finance
As far as features of One Finance are concerned, they are available in plenty. If you have a bad credit score, this platform will be extremely suitable as long as you’re earning at least $750 in monthly direct deposits. You can earn 10% on your first direct deposits which can be up to 1,000 per month. The monthly cost can vary.
15. Speedy Cash
If you’re looking for a flexible alternative, Speedy Cash is meant for you. The instalment loans here can reach up to $5,000 here. You also have a chance to use your car as collateral and borrow anywhere in the range of $100 to $25,000 on this platform. It offers various kinds of online loans such as payday loans, instalment loans and line of credit loans.
You will have to take the help of your employer to use this platform. It is quite similar to Earnin in many ways. You will be getting on-demand pay advances here with up to 50% of your paycheck. With some great budgeting tools along with the chance to track projected earnings from time to time, Even will be a great platform for you in many ways.
Do you want to get a major chunk of your earned wages? Through PayActiv, you will be able to get up to $500 of your earned wages and pay $5 for bi-weekly use. Since it works with the employers directly, it can benefit an entire organisation and its employees.
The option of a prepaid card adds to its list of impressive features. So when you’re specifically looking for sites and apps like Earnin, PayActiv should be kept in mind.
18. SoLo Funds
If you want to lend or borrow money for short-term purposes, SoLo Funds can be preferred. There are various cash advance apps out there but SoLo Funds can offer you more flexibility than the majority of such options.
You can get a loan amount in the range of $50 to $500. The payback date is up to 15 days. You get quick access to your funds so it takes only a couple of hours to complete the application process.
This is another site like Earnin that works directly with employers. One of its amazing features is Flex Pay, which allows you to gain immediate access to one-time compensations. So all the tips, commissions and bonuses will be on offer here. It also offers you a Pay Card which is a prepaid debit card.
It can be used for your FlexWage compensations. Apart from these features, FlexWage comes with the OnDemand service too. Here, you will be able to get a portion of your wages before payday itself.
If you want to borrow money from your friends, Zirtue can prove to be a reliable option. You can borrow anywhere in the range of $20 and $1000 here. You will be offered a payback period between 3 to 36 months.
As far as friends and family loans are concerned, the transaction will occur based on lower fees and potentially higher borrowing limits than other lending platforms. Since it doesn’t offer any cash advances, it works more like a personal loan.
Final Words on Sites like Earnin
This list covers all the apps and sites like Earnin. Each of these applications has got a few similarities with Earnin but they have got a bunch of unique features as well. Since all of them are safe to use, you can prefer any one of them based on your preferences!