1. Earnin

**Overview**: Earnin is a popular choice for those who want to access their earned wages before payday. Unlike traditional loans, Earnin operates on a tip basis, meaning there are no mandatory fees or interest charges.

**Features**:

– Access up to $100 per day, up to $500 per pay period.

– No fees or interest, only optional tips.

– Balance Shield alerts to prevent overdrafts.

**Pros**:

– No mandatory fees.

– Simple and user-friendly interface.

**Cons**:

– Limited to $100 per day.

2. Dave

**Overview**: Dave offers up to $500 in cash advances with a low $1 monthly membership fee. It also provides helpful features like budgeting tools and alerts for potential overdrafts.

**Features**:

– Cash advances up to $500.

– Budgeting tools and overdraft alerts.

– No interest charges.

**Pros**:

– Low monthly fee.

– Additional financial management tools.

**Cons**:

– Instant transfer fees apply for bank transfers.

3. Varo

**Overview**: Varo is an online banking service that offers interest-free advances up to $250. Varo requires users to have a Varo bank account and at least $800 in direct deposits to qualify for higher advances.

**Features**:

– Interest-free advances up to $250.

– Early paycheck access.

– No overdraft fees.

**Pros**:

– No interest charges.

– Automatic savings tools.

**Cons**:

– Requires a Varo bank account.

4. Brigit

**Overview**: Brigit offers up to $250 in cash advances per pay period and includes features like budgeting tools and identity theft protection. The app has a free version and a premium version for additional benefits.

**Features**:

– Cash advances up to $250.

– Budgeting tools and credit monitoring.

– Identity theft protection.

**Pros**:

– Multiple financial tools included.

– Instant transfers with Premium plan.

**Cons**:

– Monthly subscription fee for premium features.

5. Chime

**Overview**: Chime’s SpotMe feature allows overdrafts up to $200 without fees, as long as you have at least $200 in monthly direct deposits. Chime also offers early access to paychecks and a large network of fee-free ATMs.

**Features**:

– Overdraft protection up to $200.

– Early paycheck access.

– No monthly fees or interest.

**Pros**:

– No fees for overdrafts.

– Easy access to funds.

**Cons**:

– Direct deposit required.

6. MoneyLion

**Overview**: MoneyLion offers cash advances up to $1,000 with a RoarMoney account. It also provides financial tracking, credit monitoring, and optional tipping.

**Features**:

– Cash advances up to $1,000.

– Credit monitoring and financial tracking.

– Optional tipping model.

**Pros**:

– High borrowing limit.

– Comprehensive financial tools.

**Cons**:

– Funding can take up to 5 business days without express delivery.

7. Empower

**Overview**: Empower provides advances up to $250 with an $8 monthly fee. The app also offers features like cashback on purchases and early paycheck access.

**Features**:

– Cash advances up to $250.

– Early paycheck access and cashback offers.

– Automated savings tips.

**Pros**:

– No credit checks.

– Instant transfers.

**Cons**:

– Monthly membership fee.

8. Albert

**Overview**: Albert offers cash advances up to $250 and includes saving, budgeting, and investing tools. The premium Genius service costs $14.99 per month but is not required for advances.

**Features**:

– Cash advances up to $250.

– Integrated financial management tools.

– Investment advice with Genius service.

**Pros**:

– Comprehensive financial tools.

– No mandatory subscription for advances.

**Cons**:

– Higher subscription fee for premium features.