At some point, most of us face unexpected expenses. The car might need urgent repairs, your pet could get sick, or the fridge may break down, leaving you to purchase a new one. These situations can leave you needing extra money quickly. That’s why cash advance apps like Dave and Empower are so popular.
Empower is a cash advance app that provides instant cash advances of up to $300. In fact, 98% of cash advances on Empower are delivered within 15 minutes—no waiting around!
Plus, there are no credit checks, no interest, and no late fees.
While Empower is a great app, it’s not the only option available. There are many other apps like Empower that can be a lifesaver when you need quick cash.
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Apps Similar to Empower
Here are ten apps like Empower that let you access your wages before payday.
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1. Chime
- App available for: Android – iOS
Chime partners with regional banks to offer various financial services. With Chime MyPay, you can get a cash advance of up to $500 before payday, with no credit check required.
You can receive your pay within 24 hours with no fees, or opt for an instant transfer for just $2 per advance.
2. EarnIn
- App available for: Android – iOS
EarnIn allows you to get paid for the hours you’ve worked without waiting for payday—pretty convenient, right?
You can access your paycheck up to two days early and withdraw up to $750 per pay period.
EarnIn doesn’t require a credit check or charge interest.
For a standard transfer, there are no fees, and you’ll receive your funds within 2 business days. For an instant transfer, a small fee applies. You can also leave a tip if you like, but it’s entirely optional.
3. Dave
- App available for: Android – iOS
The mobile banking app Dave offers cash advances of up to $500 through its ExtraCash account. You could receive the money in as little as five minutes!
No credit check is required, and there are no late fees. Plus, you don’t need to have a direct deposit into a Dave account.
4. Albert
- App available for: Android – iOS
Similarly Albert is a financial services company offering a range of services, including cash advances. You can receive your paycheck up to two days early.
Additionally, with Albert Instant Overdraft Coverage, eligible members can overdraw their Albert Cash account for ACH transfers, ATM withdrawals, debit card purchases, and other electronic transfers. The overdraft limits range from $25 to $250.
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5. MoneyLion
- App available for: Android – iOS
MoneyLion, a financial tech company, is another excellent alternative for those seeking apps similar to Empower.
MoneyLion offers cash advances through its Instacash service.
You can borrow up to $500, completely interest-free, with no credit check required.
One of the best features of MoneyLion is how quickly you can access the funds. If you’re willing to pay a small fee, the money can be available in just minutes. However, if you prefer not to pay a fee, you can still get the money—it will just take one to five business days to arrive.
6. Klover
- App available for: Android – iOS
Klover is another app like Empower that lets you access cash before payday. You can instantly receive up to $200, even if your payday is still two weeks away.
Klover doesn’t charge interest or late fees, and no credit check is required.
7. PayActiv
- App available for: Android – iOS
Get money fast with PayActiv. This financial services company provides On-Demand Pay and Earned Wage Access (EWA), allowing you to access a portion of your earned wages before payday.
You can get up to 50% of your earned wages in advance, with no credit check required to join PayActiv.
8. Cleo
App available for: Android – iOS
With Cleo, you can get a cash advance of up to $250. Much like Empower, Cleo gives you access to the funds you need, when you need them. There’s no interest or credit check required.
9. Branch
- App available for: Android – iOS
Branch offers a free bank account and quick access to the money you’ve already earned, including wages, tips, and mileage reimbursements.
Your company can pay you faster through Branch, whether it’s after each shift or job. You can also request advances from your upcoming paychecks, accessing up to 50% of your earned wages.
10. FloatMe
- App available for: Android – iOS
FloatMe is a cash advance app similar to Empower that lets you access your earned but unpaid wages when you need them.
You can borrow up to $50 between paychecks.
FloatMe offers fast cash advances directly to your bank account with no credit checks and no interest charges.
You can receive the funds in your bank account in three days or less. If you need the money immediately, you can expedite the transfer for a small fee.
Final Thoughts: Choosing the Right App Like Empower for Cash Advances
If you’re in need of quick access to cash, apps like Empower can be a game-changer, offering fast and easy cash advances to help you manage your finances during tough times.
With plenty of Empower alternatives available, you can find an app that not only gives you early access to your paycheck but also helps you budget, save, and manage your finances more effectively.
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