Skip to Content

Top 10 Cash Advance Apps Like FloatMe to Checkout [2024]

Top 10 Cash Advance Apps Like FloatMe to Checkout [2024]

FloatMe might be the best option for a cash advance, but you can also try out other apps like FloatMe to get more benefits.

Many people think of payday loans as the finest option for quick cash, but that’s not always the appropriate option as they have a very high-interest rate.

FloatMe benefits millions of hard-working employees get ahead on their finances with overdrafts warnings, smart savings, and access to emergency cash.

So, want to get access to money quickly without the pain of these loans? Don’t worry; In this article, we have shown 10 best FloatMe alternatives, with a detailed guide.

When using a cash advance app, it is important to keep in mind that some advantages and disadvantages are associated with them.

Even though several similar apps like FloatMe are available, that allows you to borrow your paycheck in advance, I have only mentioned seven in this article.

You can even use a combination of these apps, which will help you have better control over your finances, borrow cash for emergencies, and even make you learn many valuable ways to save money.

Check out these apps like FloatMe to find the most suitable working option for you:



Dave is one of the best apps like FloatMe, it is a banking application that sets your financial mind at rest. Likewise, it helps improve your financial health with their revolutionary financial tools. It is available for both iOS and Android devices. 

It’s easy to log in and initiate balancing your budget. You can also get an immediate $100 in advance to cover your daily expenses. 

Dave has inbuilt budgeting tools and predictive alerts. Their simple planning tools support you organize recurring and forthcoming expenses, including utilities, rent, and even trips to your preferred local shops and favorite restaurants. 

It even helps you find several ways to earn additional money. You can apply for numerous side jobs directly from the app. 

All you need to do is search for remote work and work-from-home opportunities to find a job that suits your routine lifestyle.

How Does Dave Work?

To create a Dave account, you’ll have to provide your email address, mobile phone number, low balance alert amount, and other personal information.

After you’ve set up your account, it’ll examine your income and spending habits, as well as the normal balance of your bank account. And use predictive analysis to know how much money is coming and going out of your account.

You can also manually delete or add products to make sure your budget accurately reflects your current expenses, and it even lets you build your credit score by making on-time payments.

When you are approved for a cash advance, you get to choose from standard funding or express funding options. 

Even though the standard funding option is completely free, it might take up to three business days to get your money.

So, if you want your funding on the same day, then the Express funding option can be best for you as you can receive your money on the same day. But the only catch is that you’ll have to pay a small fee.

It doesn’t review your credit history or report your payments to credit bureaus. Based on how much you borrow, repay your advance either on your next payday or the following Friday. 

Your repayments will be automatically deducted from your bank account.

Although it doesn’t charge any interest, it asks for optional “tips,” and it also charges a monthly fee of $1, which will be deducted from your connected bank account.


  • Should be 18 years old
  • Must have a steady paycheck that you direct deposit into your checking account
  • Show that your bills don’t consume your entire paycheck

Cash Advance Limit

The maximum payday advance you can receive is $100. After you receive a cash advance, you’ll not get more money until your account is paid incomplete.

Customer Service

If you need any help with Dave, you can visit here or call them at 1-844-857-3283 between 4 am to 10 pm from Monday to Friday and between 5 am to 5 pm on Saturday and Sunday. You can also contact Dave by sending an email to their support team at


  • There is no interest
  • Gives access to budgeting tools
  • Automated system for preventing account overdrafts
  • Access express delivery for same-day funding
  • It can be cheaper than an overdraft fee


  • There is a membership fee
  • Low maximum cash advance limit
  • For repayments, it automatically withdraws from your bank account.



MoneyLion is one of the best apps like FloatMe, which will provide you an easy way to earn, invest, save and borrow. 

You can get your paycheck up to two days prior along with a RoarMoney account, plus no minimum balance, 55,000 no-fee ATMs, Mastercard Price Protection, cashback reward, FDIC protection, Virtual and Contactless debit cards, and much more.

It is award-winning mobile banking, auto investing, personal finance, cash advance, and customer leading application that authorizes customers to take control of their financial lives by saving, smarter credit products, spending, and credit tracking tools. 

The amount of Instacash you are entitled to get will be based on your creditworthiness and other conditions determined by MoneyLion.

8 Best Apps Like MoneyLion to Manage Your Money [2021]

How Does Moneylion Work?

To create a MoneyLion account, you must be 18 years old and have a bank account. Once you have created an account, you can log in and access its services.

Choose its free services like Instacash advances or paid services like Credit Builder Plus ($19.99 a month). You can apply for a Credit Builder Plus membership and ask for a credit builder loan.

You'll need your address, social security number, phone number, full name, and bank account to apply for this loan.

After you are approved, it'll advance a portion of your loan into your bank account, and the remaining money is deposited into a Credit Reserve Account to build your savings.

Every Credit Builder Plus loan has a 12-month term, and the payments are deducted from your bank account each month on your pay date.

If you wish to repay your loan sooner, you can have access to any funds in your “Credit Reserve Account.” Your repayment can be higher based on the amount you borrow and the APR you're provided.

Using the ‘Monthly Repayment Calculator' can predict your loan's possible cost and monthly repayment. 

You'll also have the ability to change your payment due date and reschedule it by contacting MoneyLion. It will report your monthly payments to enhance your credit score.


  • Must be at least 18 years old
  • Should be a permanent resident or citizen of the United States
  • Have a valid Social Security Number
  • Have a bank account, prepaid card, or debit card

Cash Advance Limit

MoneyLion offers loans up to $1,000, with no hard checks. The APR ranges from 5.99% to 29.99 and comprises your MoneyLion Plus membership fee.

Customer Service

If you need any help with MoneyLion, you can contact their customer support by calling them at 888-659-8244 or +1 (888) 704-6970 or visit


  • No hard credit checks
  • There is no monthly fee
  • No overdraft or service fees
  • You can build credits as it reports your monthly payments to the credit bureaus
  • Offers cash backs and other rewards


  • It charged a monthly membership fee
  • It is not available in all states
  • There are no physical branches

SpotMe by Chime

spotme chime

Chime is an American financial technology platform that offers mobile banking services without charging any fee. 

Account-holders in this application are delivered Visa debit cards and have access to an online banking system through iOS or Android mobile app or via 

It uses safe procedures to secure your information and help stop unauthorized use.

A fee-free overdraft Chime’s service called SpotME allows their customers to overdraw their account up to $200 without acquiring an overdraft fee. 

Your purchases will decline once the overdraft limit is achieved, but no outdated negative balance fees will be charged. 

Chime eliminates a lot of hidden fees for its customers. That means you’ll never pay overdraft fees, monthly fees, foreign transaction fees, and there’s no minimum balance necessity.

How Does Chime Work?

Chime offers a direct deposit program, which can combine direct deposit with the app and makes them available up to two days early.

As soon as you create a direct deposit into your spending account, you’ll be eligible and can select to get your payment up to two days early.

And if you get a direct deposit of at least $200 every month, you can enroll in Chime’s SpotMe service, which lets you overdraw your account by up to $20 on debit card purchases without any fee.

Your SpotMe allowance can be increased to more than $200 depending on your account history, direct deposit amounts & frequency, spending habits, and other factors. And though the ‘Credit Builder Card’, it helps you to build your credit history.

It also doesn’t charge any monthly fee, overdraft, or service fees and doesn’t require any minimum balance.


  • Must be at least 18 years old
  • Should be a citizen of the US
  • Your first and last name
  • Social security number (SSN)
  • Email and a password

Cash Advance Limit

The cash advance limit through Chime is up to $200. You can withdraw your advances two days before normal payday, and it’ll deposit your paycheck as soon as your employer deposits it into your account.

Customer Service

If you need any help with Chime, you can contact their customer support by emailing or calling them at 1-844-244-6363.


  • You can easily and quickly create an account
  • No monthly and overdraft fees
  • Build credit with a secured credit card   
  • Early access to direct deposits
  • Access over 60,000 fee-free Visa Plus Alliance and MoneyPass ATMs
  • Automatic saving tools to enhance your habits


  • Limited services
  • Cash deposits are only possible at retail locations
  • May charge a fee for every out-of-network ATM transaction



Earnin is a platform that allows you to draw small amounts of your earned wages before payday. 

It stores all your information in an encrypted form and won’t debit your account for more than you approve. 

Instead of charging interest, Earnin asks its users to provide an optional tip for the service. For some customers, Earnin’s cash-out paycheck early payment is a choice in an emergency, but it is recommended that it shouldn’t be used regularly.

Earnin can be best for you if you have a small emergency expense, have a checking account, and are paid by direct deposit, or use your next paycheck to pay the money owed to the app on top of the other monthly expenditures. 

Furthermore, it needs your checking account information, not only to transfer money to you, but also to alter its withdrawal limits and encourage responsible financial behavior.

How Does Earnin Work?

To use Earnin, you’ll need a stable payday, a mobile phone, and an active checking account. Then, link your bank account and give your employment information to assist them in identifying your pay schedule.

Also, you might have to provide your personal information like email address, paycheck information, and employer information. 

It takes a few days to verify your bank account and sends two small test transactions to confirm ownership.

As soon as it is done, you can add your salary information by sending them your electronic timesheet or just link your earnings automatically through its “Automagic Earnings” feature.

When you’ve borrowed the maximum approved amount, you can’t receive more money until your next pay cycle starts. The only downside is that remote workers, freelancers, and those with multiple jobs are not qualified for the payday advances through Earnin.

The repayment due is based on the total amount of money you can receive during each pay period. By clicking on “Max Info” on your home screen, you can check your current daily and pay period Max amounts and know more about the factors that are used to examine them.

Furthermore, it’ll automatically deduct the amount you’ve borrowed on your next payday. Even though it doesn’t charge interest, it asks for an optional tip during the cashout, which is quite similar to the Dave app!


  • Over 50% of your direct deposit sent to a checking account
  • Have a consistent pay schedule – weekly, biweekly, semi-monthly, or monthly
  • Your salary must be at least $4 an hour
  • A fixed work location and electronic timekeeping system at work

Cash Advance Limit

The maximum payday advance you can receive through Earnin is up to $100 during your pay scale. You might even be eligible for an advance up to $500 depending on your spending habits, how you use the app and what bank you have.

Customer Service

If you need any help with Earnin, you can connect to their customer support by emailing at


  • It doesn’t charge any interest
  • Tips are optional
  • Can prevent overdrafts from your bank account
  • Can provide loans up to $500
  • It doesn’t require credit checks
  • It offers several additional tools resources
  • Balance Shield feature can help avoid overdraft from your account


  • Eligibility depends on how you’re getting paid
  • Low withdrawal limits



Brigit is one of the best apps like FloatMe, which offers a budgeting tool and paycheck advances of up to $250 without charging any interest fee. It’s a better choice for anyone who requires an occasional emergency loan, but this accessibility does come with a fee. 

With Brigit Plus Membership, you will automatically get advance money if it thinks you’re at risk of overdrawing your account.

You are supposed to have a Brigit Score of at least 70 to qualify for Brigit Plus, which you might require if you wish to have an early payment. 

Likewise, it’ll automatically take your repayments from your account on the next date of a recurring direct deposit. However, it’ll notify you one business day before withdrawal.

How Does Brigit Work?

Brigit uses an algorithm that helps you to avoid overdraft fees by automatically analyzing your checking account, and if it predicts you’ll run out of money, it’ll advance your cash to prevent you from going to overdraft your account.

Once you’re qualified for the credit, it makes sure that you can have access to $250 as long as your credit card balance hits zero. It doesn’t charge any overdraft fees, and you are completely free to choose the free or paid version of the app.

And when you request your advances, the repayment date will be given. Although you’ll be notified 24 hours before the due date, your payments will be automatically deducted from your bank account.

If you wish to repay the Brigit advance before your due date, you can select the “repay now” button. Also, you can extend your due date to avoid over-drafting! 

Once you’ve repaid your loan, you can access another payday advance, which is all included in your monthly fee.

Payday cash advances through Brigit are interest-free, and its premium version – Brigit Plus, costs $9.99 a month that offers additional features like auto advances, instant deposits, and credit secure.


  • Must be 18 years old
  • The average paycheck should be greater than $400
  • Have a bank account balance greater than $0
  • Must have an active checking account
  • Money should be left in your bank account two days after you get paid
  • Should have at least three recurring direct deposits from your employer

Cash Advance Limit

After you are qualified for the credit, you can get a cash advance up to $250 as long as your credit card balance hits zero.

Customer Service

If you need any help with Brigit, you can chat with a Brigit support expert between 9 AM to 6 PM by submitting a request or email at

You can also visit here and explain your problem by providing your email address, phone number, bank name, and other required information. They’ll usually respond to your mail within two business days, and they currently don’t support phone calls.


  • No interest or late fee or any hidden fee
  • It might be cheaper than an overdraft fee
  • It doesn’t require sign up (except for premium members)
  • Quick access to loans with no credit check
  • Free access to financial budget tools
  • Get alerts when you’re at risk of getting an overdraft


  • Charges a monthly subscription fee for premium members
  • You can’t use a joint bank account
  • Automatic loan repayments



PayActiv is a Public Benefit Corporation and a financial-wellness platform. It is partnered with businesses to offer employees on-demand access to earned but unpaid wages. 

Corporations that are associated with PayActiv see substantial cost reductions through improved engagement, enrollment, and maintenance. 

Likewise, it offers a group of financial services, including budgeting tools, financial health measurements, and savings.

How Does PayActiv Work?

PayActive offers a cash advance on wages for which you’ve already worked but not yet been paid. So, it receives a report from your employer with the number of hours you’ve worked in that pay period.

By considering those hours with the monthly demographic report, it predicts how much you’ve earned in that certain pay period. 

PayActive then reduces the estimated pay by half and displays the amount that you can access on the spot.

If you want to access the money, you’ll have to pay a transaction fee of $5.00. You can then make up to three transactions against your available balance at no extra cost.

For instance, if you have worked a $10/hour shift, your salary will be $80. You can access half of the estimated pay ($40) and minus a transaction fee ($5), which is $35. These funds will be deducted on your next paycheck.


  • Must be 16 years old or older
  • Should have a regular paycheck

Cash Advance Limit

The employer settings determine the maximum amount you can access.

Customer Service

If you need any help with PayActive, you can connect to their customer service by visiting here


  • It doesn’t charge interest
  • It doesn’t require credit checks or personal data
  • Charges a low fee for EWA (Earned Wages Access)
  • Instant access to earned wages before payday
  • Provides multiple financial services


  • Limited maximum cash advance

Possible Finance

With Possible Finance, you can make small installment loans. Build your credit history so that you can receive better financial tools. 

They report your installment payments to chief credit agencies, so you're rewarded for constantly paying on time. It defines itself as an alternative to traditional short-term payday loans, high-cost, which are supposed to be repaid in the next payment.

Possible Finance provides you eight weeks to repay the loan in biweekly intervals. 

You can apply for a Possible Finance loan through its mobile app. You've to provide a driver's license or state-issued ID, Social Security Number, bank information for your compatible checking account, and an online checking account with a minimum monthly income of $750.

Must Try these 12 Apps like Possible Finance for Instant Loans! [2021]

How Does Possible Finance Work?

After you have created a Possible Finance account, you'll have to meet some requirements in order to access the loan. And before applying for a Possible Finance loan, you'll have to check if it is compatible with your current bank or your credit union because it doesn't work with all banks.

You'll get a notification regarding the status of your application within 24 hours, and when you are approved, you can accept your loan within three days. Otherwise, you'll have to re-apply.

Then, you get to repay your loan within two-week intervals for eight weeks or two months, rather than paying the full repayment on your next pay date.

You can pay off your loan before the due date without any prepayment penalty or change your repayment date up to 29 days past your due date with no extra fees or interest charges.

Depending on your location, Possible Finance may charge a monthly fee, as well as some interest. Although its APR's may be lower than other payday loans, note that its interest rates are still high.


  • Have an online checking account with a minimum monthly income of $750
  • Your bank account information to check whether your checking account is compatible
  • A driver's license or state-issued ID.
  • Your Social Security Number
  • Three months of transaction history
  • Positive checking account balance

Cash Advance Limit

People with no credit history or bad credit can get up to $500, but the loans are available only in seven states. Also, it won't check your FICO score; you can directly apply and get approved within a few minutes.

Customer Service

If you need any help with Possible Finance, you can email their customer support at or call them at +1 (206) 202-5115. You can also visit here for more information.


  • Reports payments to all main credit bureaus
  • You can delay your payment
  • Help you build credit


  • Available only in a limited number of states
  • Short repayment terms



Want to track your spending? Need $100 to get a payday? Cleo has got your back! Cleo is an AI-powered budgeting tool that helps you track your spending, save automatically & manage your budget, earn cash back rewards and even recommend how much you can afford to save.

Cleo shows your spending per category over the last few weeks, so you can set a limit that benefits you.

Through its ‘Salary Advance; feature, you can advance your paycheck if you are qualified for completely interest-free. And its credit builder will report your payments to Equifax and help you build credit history.

How Does Cleo Work?

In order to use Cleo, you’ll have to link your bank account information to use its AI-powered chatbot to examine your spending habits.

Cash advance through Cleo is only available for Cleo Plus and Cleo Builder, for which you’ll have to pay a monthly subscription of $5.99.

So, to get a salary advance, you’ll have to sign up for Cleo Plus and set up a Cleo Wallet, and link your debit card. Then, you can access salary advance!

If you say ‘Salary Advance’ or ‘Spot Me’ to Cleo messenger, it’ll let you know whether or not you are eligible for Cleo advance. If you are qualified, you can get no interest advance of up to $100 to help you stay out of overdraft.

Then, you get to choose your repayment date, which is anywhere between 3 and 28 days. Once you’ve paid back your advance and cooled-off from the buzz, you can ask Cleo for another advance. 


  • Should be at least 18 years old
  • Must have regular income

Cash Advance Limit

The maximum cash advance you can access through Cleo is $100. Since it doesn’t charge any interest, they want you to pay your advance back on time.

Customer Service

If you need any help with Cleo, you can contact their customer service at +1-815-282-7894 (US), +1-866-444-2536, and +44 2038653439, or you can also visit here.

Get insights into your budget and spendingCleo Plus charges a monthly membership
Can earn cash back up to 7% when you shop 
Must Try these Apps like Cleo to Manage Finance [2022]


Klover is a financing app that offers interest-free cash advances from the money you’ve already earned at work. 

It also provides several financial tools, including overdraft protection and spending insights, thus protecting you from expensive loans and helping you to stay financially stable. 

One of the main features of Klover is that it doesn’t charge you any extra charge unless you wish to speed up the delivery of your money.

All you need to do is download the Klover app, sign up within seconds, provide your information, link your bank account, verify your paycheck, and then get fast access to cash and other tools. 

These tools help you improve your financial condition and give access to money whenever you require it.

10 Best Apps Like Klover [Best Alternatives]

How Does Klover Work?

Create a Klover by providing some basic information and connecting your checking account. After you’ve finished creating your account, you’ll have to wait for 1 to 2 days to get your account verified.

Then, request a cash advance, which generally takes 1-2 business days to deposit the money into your account. However, you can also choose the same-day deposits for which you’ll have to pay a small fee, whereas the standard direct deposit is completely free.

In other words, the standard deposit option is completely free, and it usually takes 1-2 business to process the money. And the immediate debit option charges a fee ranging from $1.99 to $14.99. 

Nonetheless, you’ll receive the money in your account the same day you’ve requested.       

Although the maximum amount you can borrow is up to $100, you can increase your limit through its point system. 

These points can be increased by the regular use of the app and can be redeemed for a Boost or extra cash deposited directly into your account.


  • Your bank statement’s paycheck description must match previously deposited paychecks
  • Should have a minimum of three consecutive direct deposits over the past 2 months
  • All deposits should be from the same employer
  • The pay schedule should be weekly or bi-weekly. No semi-monthly or monthly deposits are accepted.
  • Your account must have a positive balance
  • The checking account should be active for the last 90 days.

Cash Advance Limit

The maximum cash advance you can borrow is up to $100. It uses a point system to increase the limit.

Customer Service

If you need any help with Klover, you can contact Klover customer support by submitting your request here. You’ll probably get the response within 3-4 business days!  


  • No excess fee or hidden charges
  • No background checks and complicated paperwork
  • Overdraft protection
  • Offers innovative budgeting tools to assist you to stay financially stable


  • It doesn’t build your credit score.



Empower is a personal finance application that assists you in taking control of your money. 

Once you connect a checking account, you’ll have the ability to receive an entire and precise picture of your financial condition and seamlessly reduce all unnecessary expenses. 

It also offers a card – Empower Card, which you can control anytime, anywhere.

Your data is always protected and secured with its great bank-grade security features like multi-feature authentication, AES 256-bit encryption, and touch or face ID. 

If you provide your weekly saving target, it’ll examine your income and daily spending to determine when and how much you can save. Then, it’ll automatically transfer that money to your Empower AutoSave account.

How Does Empower Work?

First, download Empower app and create an account. To create an account, you must have a bank account at a US financial institution, Social Security Number, and a valid US residential address.

Then, connect your active spending accounts, and the app will show you several pre-loaded financial institutions for you to select from. 

It also offers a debit card that comes with different valuable features.

Once you’re approved and got your cash advance, you can pay it back on your next paycheck. 

Users can use these debit cards to make purchases at sellers and fee-free withdrawals at over 37,000 ATMs across the country.

You can also set weekly savings goals so that they can determine when you’re running low and when you have extra cash.     

Use the budgeting feature to customize your budget categories and track your spending every time. Similarly, smart recommendations will help you find additional savings in your budget, as well as a monthly report.

Although there are no maintenance fees, no hidden fees, and no overdraft fees, it charges a fee of $8 a month to access all the features, like banking and budgeting tools. 

It also sets a 1% foreign exchange fee of the total transaction amount.


  • Must have an active account for at least 60 days
  • Have a minimum $500 average monthly income
  • Have three recurring deposits of $200
  • Account must average at least 2 transactions per day
  • Current account balance must be healthy

Cash Advance Limit

You can get access to up to $250 with zero interest, no late fees, or perform a credit check.

Customer Service

If you need any help with Empower, you can connect with their customer support by sending an email to or call them at (888) 943-8967 between 9 Am to 6 Pm, Monday to Friday. You can also chat with their team through the app between 9 am to 6 pm, Monday to Friday.


  • There are no overdraft fees
  • Categories spending categories
  • Automatically sets spending limits
  • You can transfer money within the app
  • Set up auto-saving within the app


  • The spending limit depends on your income.
6 Apps Like Empower to Check out [2022]

The Bottom Line

As long as you’ve a steady paycheck, you can be a good customer for these applications.

The idea behind these payday advance apps is to receive your paycheck as early payment.

So, once your payday comes, the money gets repaid to the app and it’ll not even charge any interest fee. I hope the above article on best apps like FloatMe has helped you find application that are suitable for you.