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Get Paid Early w/ These 9+ Apps

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Whatever the reason may be, you may need money now. And, you won’t have time to wait until your next paycheck.

If you’re working and receive a steady paycheck, then there are ways to get paid early without having to sign up for a credit card or a payday loan.

In today’s guide, I wanted to talk about the many apps that pay you early. All of these apps I am about to mention are 100% legitimate and will work as stated. In each section, I will talk about how it works, what fees you may incur as well as what other people think.

With that intro out the of way, let’s jump in and see the many get paid early apps on the app store today.

The Best Get Paid Early Apps

Earnin

This app is one of the most popular apps in the space, the reason I’m listing it at #1. You can withdraw up to $100 per pay period at first and up to $500 after you continue to use the app. The great thing about the app is that it requires no credit check and there are no fees.

So, you’re probably wondering: How the heck can I borrow money and not pay fees?

Well, the app simply relies on voluntary tips. They hope that you’re nice enough to throw them a dollar or two in exchange for some cash until you make it until the next payday.

When you request cash, it can take up to one business day, but in some cases, it can be instant, all depending on who you bank with. You can also connect your debit card to Earning to receive your money in minutes at no extra charge.

How it works: To get started, you will have to connect your bank account and then verify your paycheck schedule. To qualify, you must have direct deposit set up through your work and link to that checking account. After you get paid, Earnin will take the money back, including the tip.

Fees: None. The app does highly recommend you tip, however, to keep the app running. This is up to you as to how much you want to tip. You can tip between $0-$14.



Dave

Dave is another popular option, one you may have seen on television commercials. This app allows you to take out cash advances up to $100 interest-free with the Dave debit card or deposited into your checking account. There are no credit checks required.

This app does cost $1 a month, and qualified members can get paycheck advances within minutes for a small fee. Without paying the fee, it can take up to three days to show up in your bank account, but in most cases, it shows up within 24 hours.

How it works: You will need to connect your checking account where you currently have your paychecks direct deposited. The app will want to see a consistent number of work checks deposited, so if you have only been working for a week or so, it may not be the app for you. If you haven’t worked for a long time, the app does make exceptions in some cases if they feel you have enough to pay the loan back.

Fees: The membership service will cost $1 a month, but check advances are interest-free. They do recommend you choose to tip when taking out an advance, but this isn’t mandatory.

Brigit

The Brigit app offers up to $250 interest free with no credit check. All you need to do is connect your bank account within the app and you can receive your money almost instantly.

Unlike many of the apps I mention that ask to see a work history, Brigit works a pinch differently as they determine how much you can borrow based on your banking activity rather than your paychecks. This can be helpful to some if you don’t have a consistent direct deposit schedule.

The app does cost $9.99 a month, but this offers you extra financial tools to help you budget. This includes automatically sending you cash when your balance is low as well as money on request.

How it works: You will have to connect your bank account with the app. They work with more than 15,000 banks and use 256-bit encryption when you connect. Once you do, the company will allow you to start borrowing as long as you meet their terms.

Fees: No interest on any money borrowed, but you will have to pay $9.99 a month to use the app.

Klover

Klover offers up to $130 between paychecks. Like the many mentioned here, there are no credit checks, no interest and you don’t have to wait until payday. It’s an innovative tool to help you stay financially stable and protect you from expensive loans.

Aside from interest-free cash advances, you also earn points via the boosts, such as scanning receipts, taking surveys and more. You can then use these points to redeem more money. Klover offers additional features such as monthly spending tracking and a cashflow analyzer.

How it works: To get started, the company will want to know a bit about you and ask you to link your bank account. Once you do so, you will then be asked to verify your paycheck. The entire setup takes minutes and you can

Fees: To deposit money immediately, the app does ask for $9.99, which seems to be on the higher end in comparison to the other apps mentioned. Other than that, there is a $1.99 monthly membership fee.

FloatMe

FloatMe helps hard-working employees get ahead of their finances and make better decisions. You don’t need to wait until payday as FloatMe will offer instant access to up to $50 between paychecks. No credit check is required nor do you have to pay interest. You can get started in two minutes.

The app charges a small fee of $1.99 a month, but this includes more than a cash advance. It also helps protect you from pesky bank fees, account monitoring and spending tracking.

How it works: To get up to $50, you will need to connect your bank account via the app. They work with more than 9,600 banks. Then, after you connect your bank and set up your membership, you can request a cash advance. Depending on your bank, money can show up almost instantly. You can then repay your advance on payday or early.

Fees: $1.99/month for a basic membership.

Possible Finance

Possible Finance offers access to fast and affordable money as well as the opportunity to fight overdraft fees and build credit. The company allows you to borrow up to $500 in minutes, even if you have no credit. You can then pay it back in installments, which will help you build credit. This is the difference here as these loans can help build your credit score.

How it works: Possible Finance will ask you to apply just like that of a personal loan. Once approved, your money is sent to a debit card so that you can have immediate access to your loan. You could be borrowing $500 in minutes.

Fees: Loan terms and repayment schedules vary by state. According to reports, plan on spending $15~ per $100 borrowed.

Empower

The Empower app offers up to a $250 cash advance with no interest, no late fees or credit checks. They just ask that you pay them back when you receive your next paycheck. As I write this, they have more than 650,000 members with a 4.3/5 rating.

Aside from a cash advance feature, the company also offers an interest checking account, automatic savings option, a spend tracking feature as well as smart recommendations to get personalized tips on how to save more in life.

How it works: Like the many apps mentioned here, you will need to connect your bank account and then meet eligibility requirements. According to the fine print, they ask for minimum direct deposits to the Empower Checking Account as well as other conditions. This allows you to qualify for instant delivery and advances over $50.

Fees: The experience is free for the first 14 days, but it’s $8 per month to access all of the features. You will be charged after the 14-day trial.



MoneyLion

The MoneyLion allows you to get your paycheck up to two days early with a RoarMoney℠ account. No minimum balance required.

The app can provide Instacash advances up to $250 at 0% and credit builder loans up to $1,000 with no credit check. To date, the company has more than 6,000,000 members.

How it works: Download the app and create an account. Once you do, you will be asked to link your checking account to see if you qualify for the 0% APR cash advances up to $250. This will be dependent upon your banking activity. It seems that they look for an aged account as well as regular direct deposits. A positive balance helps as well.

Fees: If you want to unlock the Credit Builder Plus membership, it will cost you $19.99 a month. This is optional, however. This will unlock exclusive services and the Credit Builder Plus loans. RoarMoney has a $1 per month administration fee at a minimum. See moneylion.com/pricing for a pricing schedule.

DailyPay

I wanted to mention DailyPay, but this is different because your employer has to be part of the program. This app lets you access your paycheck after you work for the day. So, you can get paid daily if you want to think about it.

As an employee, you can transfer the amount you earned that day. All funds are sent to your bank account or a debit card, whichever you choose to do so. And, like these other apps mentioned, this doesn’t work like a loan as it’s the money you earned.

How it works: As you work, you build up a balance, in which you can cash out at any time. You can get access any time of the day, 24/7. When you’re ready to cash out, you can send your money anywhere, from a bank account to a debit card.

Fees: There’s a transfer fee which can range from $1.99 to $2.99. This depends on how fast you want your money.

PayActiv

This is another popular get paid early app. You can access the money you have already earned, all in one place, instantly with a prepaid Visa card.

Aside from no interest loans, you can pay bills, use a savings tool and even get financial counseling.

How it works: Download the app, use the services and any money you access is paid back out of your next check. There’s no interest charged. You can borrow up to $500 between paychecks.

Fees: A $5 membership fee. This is the only fee you will pay. There is no cost for employers or any additional fees for employees, according to the company.

Final Thoughts

If you want to get paid early, it can be done, as you can see. Most of the times, you will only be able to get $20 to $100 at most, but hey, it’s better than nothing.

Most of these apps will work in the same way. Just connect your bank account, prove that you have money coming in, usually via direct deposit from your work, and pay them back come payday.

For now, I recommend you start at the top with Earnin as this app has no fees and has very good reviews. The other options are good as well, but you will pay a small monthly membership fee and this can be a turn off to some. I have linked to every official site for you to check out if you’re interested.

As always, if you want to comment on what I have mentioned or maybe I’m missing one that you enjoy, feel free to leave a comment below.

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Tom Nathaniel

Hi! My name is Tom Nathaniel, and I created LushDollar to help share my honest thoughts on everything money. It's the Internet's most honest money site after all. I have worked in the finance industry since 2006, consulting with multiple Fortune 5000 companies.

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