Apps Like EarnIn: 12 Cash Advance Apps and What They Cost Next to EarnIn

EarnIn's Cash Out has no membership. It charges only for instant delivery, called Lightning Speed: $3.99 to $8.99 depending on the amount in most states. It also asks for an optional tip. You can take up to $200 a day and $1,000 per pay period, if you have a regular direct deposit and earn at least $320 per pay period. For $100 repaid in 14 days, EarnIn costs $5.99 sent instantly, plus any tip, or nothing at standard speed.

Here's what 12 other cash advance apps charge for the same advance, worked out from each company's own pricing pages, terms and help center, checked on October 30, 2026. Where an app's own pages disagree, or it publishes only a range, we show the range.

What $100 and $200 Cost Next to EarnIn

Repaid in 14 days, counting one month of membership where most people pay one to get advances, and before any tip. Sorted by the most each app could charge for $100 sent instantly to your bank.

• For $100 sent instantly, Chime costs less than EarnIn once memberships are counted, and Albert costs the same.
• For $200, Albert and Chime cost less than EarnIn's $8.99.
• If an app waives its membership, Tilt, Brigit and Cleo can also come in under EarnIn for $100.
• At standard speed EarnIn is free, and so are MoneyLion, Albert, Klover, Chime and Current.
• Chime, Varo, Current and Cash App pay only into their own accounts, so their instant price assumes you bank with them.

Why People Look for an EarnIn Alternative

• You need more than $200 at once. EarnIn caps Cash Outs at $200 a day ($100 in New York) and $1,000 per pay period, and it says new users average about $85 a day. Dave, Brigit, MoneyLion, Tilt, Albert, Klover, Cleo, Chime, Cash App, Varo and Current advance $500 or more, though few people qualify for their top amounts.
• You don't get a steady paycheck by direct deposit. EarnIn needs a regular direct-deposit pay schedule and at least $320 per pay period. Tilt says it doesn't need an employer direct deposit, Cleo bases eligibility on your account activity, and Albert doesn't list direct deposit as a requirement.
• You bank with Chime. EarnIn's list of unsupported banks includes Chime, so Chime's own MyPay is the obvious alternative. Most other apps don't say whether they work with Chime.
• You live in Connecticut. EarnIn isn't offered there, and neither are Tilt, Cleo, Chime, Current and FloatMe. MoneyLion shows its Connecticut fees only in the app, and Klover offers only its free standard delivery there.
• You'd rather not be asked for a tip. Among these apps only EarnIn and MoneyLion ask for tips.

The 12 Alternatives, Briefly

Each app's full fees, limits, requirements and legal status are on our comparison of Dave and 12 other apps.

Dave

Dave lends more per advance, up to $500, but charges its 5% fee (at least $5) on every advance, even at standard speed, plus a $3 to $5 monthly membership. It doesn't take tips. Instant, membership included: $9.50–$11.50 for $100 (EarnIn $5.99), $16.00–$18.00 for $200 (EarnIn $8.99). Full details

Brigit

Brigit advances up to $500 ($250 in Maine). Most people pay its Plus membership ($8.99 a month in its help center), and express delivery costs $0.99 to $5.99. It doesn't take tips. Instant, membership included: $6.98–$15.98 for $100 (EarnIn $5.99), $6.98–$15.98 for $200 (EarnIn $8.99). Full details

MoneyLion

MoneyLion is closest to EarnIn's model: no membership and optional tips. But sending money to your bank instantly costs 9% of the advance (7.5% into its own Spend account), and free delivery goes only into Spend. Instant, membership included: $9.00 for $100 (EarnIn $5.99), $18.00 for $200 (EarnIn $8.99). Full details

Tilt (formerly Empower)

Tilt, called Empower until 2025, advances up to $500 and delivers free onto its own debit card. It charges an $8 monthly membership, which it waives if you ask, and says it doesn't need an employer direct deposit. Instant, membership included: $13.00 for $100 (EarnIn $5.99), $15.00 for $200 (EarnIn $8.99). Full details

Albert

Albert advances up to $1,000, though few people qualify for that much, with no membership. It's free and instant into Albert Cash, and $5.99 or 1.75% to move the money to your bank right away. Advances are due in six days. Instant, membership included: $5.99 for $100 (EarnIn $5.99), $5.99 for $200 (EarnIn $8.99). Full details

Klover

Klover advances up to $750 with no membership or tips. Its express fee is listed as a maximum for each amount, such as $9.49 for $100, and points you earn in the app can cover part of it. Instant, membership included: $9.49 for $100 (EarnIn $5.99), $15.25 for $200 (EarnIn $8.99). Full details

Cleo

Cleo advances up to $250 ($500 on its Builder plan) with a subscription most people pay ($5.99 a month for Plus on its pricing page). Express delivery takes up to 24 hours and costs $4.49 to $14.99. Cleo bases eligibility on your account activity rather than a set direct deposit. Instant, membership included: $10.48–$20.98 for $100 (EarnIn $5.99), $10.48–$20.98 for $200 (EarnIn $8.99). Full details

Chime MyPay

If you bank with Chime, which EarnIn lists as unsupported, Chime's own MyPay advances $20 to $750 for 3% instant ($2 to $5), or free within 24 hours, with no membership or tips. Instant, membership included: $3.00 for $100 (EarnIn $5.99), $5.00 for $200 (EarnIn $8.99). Full details

Cash App Borrow

Cash App Borrow is a bank loan of $20 to $500, paid into your Cash App balance at once. It charges a flat fee on every loan, which Cash App shows only in the app. Cost: not published, so we can't set it against EarnIn's $5.99 for $100. Full details

Varo Advance

Varo Advance is for Varo Bank customers: up to $700, always instant, with no membership or tips. But every advance costs 8%, or 20% if you don't get $800 a month in deposits. Instant, membership included: $8.00–$20.00 for $100 (EarnIn $5.99), $16.00–$40.00 for $200 (EarnIn $8.99). Full details

Current

Current advances up to $1,000 into a Current account that gets a payroll deposit of at least $200. Standard delivery is free; the instant fee is shown only in the app. Cost: free at standard speed; the instant price isn't published. Full details

FloatMe

FloatMe advances up to $200, like EarnIn's daily limit, with a $6.99 monthly membership it skips if you email and ask, and instant fees of $1 to $10. Instant, membership included: $14.49 for $100 (EarnIn $5.99), $16.99 for $200 (EarnIn $8.99). Full details

EarnIn's Own Fees and Limits

EarnIn's Lightning Speed fee depends on the amount and on your state. Standard transfers are free everywhere EarnIn operates.

• Standard transfers are free and arrive in 1 to 2 business days (some EarnIn pages say 1 to 3).
• Tips are optional, $0 is allowed, and EarnIn says a tip doesn't change what you can get. There's no tipping in Colorado and Wisconsin, where the instant fees are higher.
• New York limits Cash Outs to $100 a day; one EarnIn help article says $150 in Maryland. EarnIn isn't offered in Connecticut.
• You need a regular direct-deposit pay schedule, a checking account (not prepaid or savings) and at least $320 earned per pay period. EarnIn's list of unsupported banks includes Chime.
• Cash Out Link, a version run as an overdraft by Lead Bank, adds a $1.99 fee per overdraft and has no tipping. EarnIn's Early Pay and Live Pay features can raise the pay-period limit to $1,500.

Legal status: Colorado's attorney general sued EarnIn in August 2026, calling its advances illegal high-cost loans; the case is pending. The District of Columbia's attorney general sued in November 2024. A federal court in Maryland has refused to dismiss a private class action's lending-law claims against EarnIn (rulings in August 2025 and August 2026); it is pending.

Need more than an app will advance, or longer to pay it back? See the loan options for your state.

Common Questions

How We Checked

We read each app's fee schedules, terms, help articles and App Store listing, plus regulators' releases and court records. The totals are our arithmetic from those fees. The sources for the other 12 apps are listed on our comparison of Dave and 12 other apps.

← All 13 apps compared