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

MoneyLion's Instacash has no membership and asks for an optional tip. Free delivery goes only into a MoneyLion Spend account, in 1 to 5 business days. Instant delivery costs 9% of the advance to another bank or debit card, or 7.5% into Spend (at most $14.99 each time); MoneyLion switched to these percentages in October 2026. Limits run up to $500 with direct deposit to another bank and $1,000 with direct deposit into Spend, paid out $100 at a time ($200 into Spend). For $100 repaid in 14 days, MoneyLion costs $9.00 sent instantly to your bank, $7.50 into Spend, or nothing at standard speed into Spend.

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 MoneyLion

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, EarnIn, Albert and Chime cost less than MoneyLion once memberships are counted.
• For $200, EarnIn, Brigit, Tilt, Albert, Klover, Chime and FloatMe cost less than MoneyLion's $18.00.
• If an app waives its membership, Brigit, Tilt, FloatMe and Cleo can also come in under MoneyLion for $100.
• At standard speed MoneyLion is free, and so are EarnIn, 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 a MoneyLion Alternative

• The 9% instant fee adds up on bigger advances. Sending $200 to your bank right away costs $18.00 with MoneyLion. EarnIn, Brigit, Tilt, Albert, Klover, Chime and FloatMe charge less for the same $200, membership included.
• You don't want a MoneyLion Spend account. Free delivery, the 7.5% rate and the $1,000 limit all need Spend. EarnIn, Brigit, Tilt, Klover, Cleo and FloatMe send free standard transfers to your own bank.
• You live in Connecticut, Maryland, Indiana or Wisconsin. MoneyLion prices Instacash differently there and shows the fees only in the app. Several apps publish state-specific fees instead: Tilt caps its instant fee in Maryland and Wisconsin, FloatMe in Indiana and Maryland, and EarnIn and Klover have their own Indiana and Wisconsin pricing.
• You'd rather not be asked for a tip. Only EarnIn also asks for tips; the other 11 apps don't.

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 charges a membership ($3 to $5) and 5% of every advance (at least $5); instant delivery is free into Dave Checking and 1.5% to a debit card. Up to $500. Instant, membership included: $9.50–$11.50 for $100 (MoneyLion $9.00), $16.00–$18.00 for $200 (MoneyLion $18.00). Full details

EarnIn

EarnIn is closest to MoneyLion: no membership and optional tips. Its instant fee is a flat $3.99 to $8.99 by amount, which costs less than MoneyLion's 9% on advances above about $45. Up to $200 a day. Instant, membership included: $5.99 for $100 (MoneyLion $9.00), $8.99 for $200 (MoneyLion $18.00). Full details

Brigit

Brigit pairs advances with a Plus membership most people pay and charges $0.99 to $5.99 for express delivery to your bank's debit card. Up to $500. Instant, membership included: $6.98–$15.98 for $100 (MoneyLion $9.00), $6.98–$15.98 for $200 (MoneyLion $18.00). Full details

Tilt (formerly Empower)

Tilt charges an $8 membership (waived if you ask), delivers free onto its own debit card, and charges $1 to $8 by amount (3% from $300) for instant delivery to another bank. Instant, membership included: $13.00 for $100 (MoneyLion $9.00), $15.00 for $200 (MoneyLion $18.00). Full details

Albert

Albert has no membership; advances land free and instantly in Albert Cash, and a fast transfer to another bank costs $5.99 or 1.75% (at most $25). Up to $1,000. Instant, membership included: $5.99 for $100 (MoneyLion $9.00), $5.99 for $200 (MoneyLion $18.00). Full details

Klover

Klover has no membership or tips and lists the most it charges for express delivery at each amount: $9.49 for $100, $15.25 for $200. Up to $750. Instant, membership included: $9.49 for $100 (MoneyLion $9.00), $15.25 for $200 (MoneyLion $18.00). Full details

Cleo

Cleo pairs advances with a subscription ($5.99 a month for Plus on its pricing page) and charges $4.49 to $14.99 for express delivery within 24 hours. Instant, membership included: $10.48–$20.98 for $100 (MoneyLion $9.00), $10.48–$20.98 for $200 (MoneyLion $18.00). Full details

Chime MyPay

If you bank with Chime, MyPay charges 3% for instant delivery, at least $2 and at most $5, with no membership or tips. Up to $750. Instant, membership included: $3.00 for $100 (MoneyLion $9.00), $5.00 for $200 (MoneyLion $18.00). Full details

Cash App Borrow

Cash App Borrow is a bank loan of up to $500 with no membership, but its flat fee on every loan is shown only in the app. Cost: not published, so we can't set it against MoneyLion's $9.00 for $100. Full details

Varo Advance

Varo charges 8% of every advance (20% without $800 a month of deposits) with no instant fee or membership. Up to $700. Instant, membership included: $8.00–$20.00 for $100 (MoneyLion $9.00), $16.00–$40.00 for $200 (MoneyLion $18.00). Full details

Current

Current has no membership; free delivery into a Current account takes up to 3 business days, and the instant fee is shown only in the app. Up to $1,000. Cost: free at standard speed; the instant price isn't published. Full details

FloatMe

FloatMe charges a $6.99 membership (skipped if you email and ask) and $1 to $10 for instant delivery. Up to $200. Instant, membership included: $14.49 for $100 (MoneyLion $9.00), $16.99 for $200 (MoneyLion $18.00). Full details

MoneyLion's Own Fees and Limits

MoneyLion's Turbo fee is a percentage of the advance and depends on where the money goes. Standard delivery is free, but only into MoneyLion Spend.

• Advances to another bank go out up to $100 at a time ($200 into Spend), and the percentage applies to each piece.
• Before October 2026 MoneyLion charged flat Turbo fees: up to $6.99 into its own account and $8.99 to another bank for $90 to $100. It hasn't published the exact date of the change.
• Tips are optional, start at $0, and MoneyLion says they don't affect your limit or delivery options. There's no membership; the optional Credit Builder Plus plan costs $19.99 a month.
• You need three recurring direct deposits from the same source into a checking account at least 60 days old. MoneyLion says it doesn't check your credit.
• Fees differ in Connecticut, Maryland, Indiana and Wisconsin, where MoneyLion shows them only in the app.

Legal status: New York's attorney general sued MoneyLion in April 2025, calling Instacash illegal payday lending; the case is pending. Baltimore sued in October 2025. A November 2025 court judgment in a CFPB case over fees charged to servicemembers requires MoneyLion to pay $1.75 million in redress.

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