Best Brigit App Alternatives for Instant Cash Advances in 2025

Surprise Bill? No Savings to Cover It? As of 2025, nearly 58% of Americans report living paycheck to paycheck, making financial stability more fragile than ever. Brigit has long been a trusted app for instant cash advances, helping people handle emergency expenses. However, rising costs, limited flexibility, and stricter user requirements have prompted many to explore alternative solutions.

The good news? You have more choices than ever. New fintech apps like Brigit are stepping up with faster funding, higher limits, and lower costs, some even offering interest-free cash advances with no credit check.

Whether it’s an urgent payment, monthly rent, or short-term financial flexibility you need. In this guide, we’ve tested and ranked the top apps similar to Brigit based on speed, fees, repayment terms, and real user reviews.

What Are Cash Advance Apps?

Cash advance apps provide an opportunity for users to access some earned wages ahead of payday, depositing the money into bank accounts. Most of these apps are free or charge minimal fees-with almost no interest, making them a cheaper option than payday loans or credit cards. 

They create convenience and flexibility and are available on iOS and Android for users to borrow now and repay upon the arrival of their paychecks.

Brigit App Overview: Features, Subscription Plan & Eligibility Criteria

​Brigit is a subscription-based financial app designed to assist users in handling short-term cash flow challenges, thereby helping users avoid overdraft fees and build credit. Specifically, Brigit comes with the ability to make cash advances instantly, budgeting tools, and credit-building programs. Its primary feature set includes the following:

Brigit features:

Instant Cash Advance: Brigit cash advances range between $25 and $250, depending on an applicant’s financial activity and account history. These cash advances are interest-free and sent via Express Delivery in a matter of twenty minutes or up to 1-3 business days with standard delivery. ​

Credit Builder Program: For a better payback option and to add to the savings, the company gives you a 24-month installment loan. Some part of every monthly installment payment will go into a savings account while the rest will be reported to the credit bureaus, contributing towards your credit history. ​ 

Budgeting Tools: The application enables you to follow your money, categorize your expenses, and set up budgets, making it easier for you to manage your money. 

Automatic Advances: Brigit can automatically send you money if it detects you’re at risk of overdrawing your account, helping you avoid overdraft fees.

Subscription Plans

• Plus Plan ($8.99/month): Provides access to cash advances and budgeting tools.​
• Premium Plan ($14.99/month): This plan has everything Plus, along with the Credit Builder program and free Express Delivery.

Eligibility Criteria

To be eligible for using the services of Brigit, an individual is required to: 

• Be at least 18 years.
• Hold an active checking account that has at least 60 days of activity. 
• However, you will have at least three recurring deposits into your checking account from the same source, maintaining a positive balance.

Considerations:

While Brigit offers tools that are valuable for short-term financial needs, it must be noted that:​ 

• The maximum cash advance is set to $250, perhaps lower than some competitors. ​ 
• To use most features, a monthly subscription fee is required. ​ 
• Brigit’s services are mainly for those earning a steady income through a direct deposit.

Top Apps Like Brigit for Instant Cash Advances in 2025

With so many mobile apps similar to Brigit available today, it can be challenging to determine which ones truly offer value. To simplify your decision, we’ve compiled a list of the 15 best Apps like Brigit.

1. EarnIn

EarnIn is an alternative that has gained popularity in letting its users tap up to $750, depending on hours worked in any pay period, with no interest or compulsory fees. Instead, this app derives its income primarily from voluntary tips, meaning that users can pay what they wish. It offers a great way to access cash without the burden of loans, perfect for someone who is in dire need of cash before payday.

Pros:

• No interest or hidden fees
• Allows access to up to $750 per pay period
• Balance Shield ensures users remain precaution from overdrafts
• Lightning Speed option for instant pay transfer

Cons:

• Requires a steady income with an active direct deposit
• Daily withdrawal limit of $150 
• Fees from voluntary tipping can be a nuisance due to their unpredictability.

Subscription: Free-to-use with optional voluntary tips, but same-day transfers incur $2.99 in fees.

2. Dave

Dave allows users to get cash advances of up to $500 and has additional features for fair financial management like budgeting, credit building, and automatic bill tracking. The app is user-friendly and guides users through the process of avoiding overdrafts and fees while creating an easy way to access emergency funds. It is a flexible, low-cost option for people who want to control their finances without too much effort.

Pros:

• Cheap, because it has a monthly subscription fee of just $1
• Budgeting tools and bill tracking are included
• Not complicated and quite affordable
• Makes automatic budgeting easy to set up
• Quick access to cash advances from $0 to $500

Cons:

• High cash advance limits require linking to a Dave Spending Account.
• Premium users have limited customer support.
• Delays in accessing cash have been reported by some users. 

Subscription: $1/month for basic features. Premium features, such as credit-building tools and larger cash advances, can be acquired at an extra fee.

3. Moneylion

MoneyLion is a comprehensive financial app that offers credit-building tools, budgeting features, and cash advances up to $1,000 through its RoarMoney account. MoneyLion also offers everything from investment tools to credit-building services, along with banking features. It also allows users to have immediate cash access with the Premium plan, which further includes credit score monitoring.

Pros:

• Access up to $1,000, no interest
• Integration with credit-building features
• It contains investment and savings accounts
• Instant access for premium members
• Free credit score monitoring

Cons:

• More premium membership is necessary to get the money faster.
• Some features are not there with the free plan 
• Transactions will attract fees, like expedited delivery. 

Subscription: free for basic services; $19.99/month for Premium plan, which includes instant cash access among other premium features.

4. Klover

Klover is an easy app that provides cash advances of about $200 without interest and additional lending charges for running a credit check. Best suited for people keen on getting funds quickly but without add-ons, Klover allows you to earn boosts by interacting with the app, watching ads, or completing a survey, to raise your advance limit.

Pros:

• No credit check or interest fees
• Simple and user-friendly interface
• Let users earn boosts on a higher limit
• Fast and simple to cash out
• FREE without subscription 

Cons:

• Cash advances to a limited extent (not more than $200) 
• Larger cash advances will depend on engagement and surveys through the app 
• Better benefits may require significant engagement with the app.

Subscription: Free, but users may opt to pay extra for expedited cash transfers.

5. Empower

This feature-rich mobile platform offers cash advances of as much as $300 and carries AI-powered budgeting tools, helping users manage spending, savings, and overdraft irregularities. 

For a monthly subscription fee of $8, Empower would not miss to share how a person spends money in real time, which makes it a good source for people who usually seek instant cash as well as for those who would use it for long-term budgeting. 

Pros:

• AI-based budgeting and financial insights 
• Instant cash advances with a maximum limit of $300. 
• Automation in saving tools for users to compile and grow their funds 
• Good for users committed to lifelong financial wellness 
• Provides live expense tracking. 

Cons: 

• Monthly subscription fee operates ($8/month) 
• This offers low cash advances compared to other apps 
• Links a bank account to utilize almost everything. 

Subscription: $8 per month for complete access, which includes budgeting tools and cash advances.

6. Branch

Branch provides opportunities for hourly and gig workers to access up to $500, depending on the cash-advance model; that is, based on how many hours they have worked. The platform directly connects with employers and allows employees to withdraw wages beforehand. Completely free from fees and interest, this app caters excellently to employees with flexible occupations who urgently need to access their accrued pay with ease.

Pros:

• No fees or interest charges
• Instant access to earned wages
• Integrates directly with employers for easy verification
• Ideal for gig workers and hourly employees
• Easy-to-use interface

Cons:

• Limited to users whose employers partner with Branch
• Only offers advances based on hours worked
• Requires employer participation

Subscription: Free to use; no subscription fees.

7. Affirm

Affirm is a “Buy now, pay later” method of payment that allows users to split their major purchases into monthly installments without interest or low-interest rates. It is great for those users who face one-time expenses that are high, yet feel less comfortable with even the fixed repayment plans. 

Affirm does not give cash for direct transfers but provides purchasing power in partnership with thousands of retailers without a credit card and without incurring revolving debt.

Pros

• Transparent fixed-payment plans (no hidden fees)
• No late charges on payment and no compound interest on outstanding amounts
• Requires only the soft credit pull (no hit on credit score)
• Products from major retailers like Amazon, Walmart, and Target
• Good for larger purchases like electronics, travel, or furniture

Cons: 

• Does not qualify as an actual cash advance app; funds cannot simply be sent to you.
• Interest may apply, some long-term plans
• Does requires a (soft) credit check for eligibility

Subscription: There are no subscription fees. Users must pay only the agreed-upon subsequent installment amount; 0% APR offers are available at select retailers. Some loans may have interest rates ranging from 0%-30% APR, depending on terms and the user’s credit profile.

8. Afterpay

Afterpay is yet another fantastic Brigit alternative, but similar to Affirm, it works as a Buy Now Pay Later (BNPL) scheme. Thus, it does not give cash advances. Afterpay segments purchases into four equal payments for six weeks, absolutely interest-free. Because Afterpay is widely accepted across many prominent fashion, beauty, and lifestyle brands, it proves beneficial in managing short-term expenditures without resorting to a credit card or loan. 

Pros:

• Payments are made in interest-free installments.
• No hard credit checks.
• Convenient app with budgeting features.
• Accepts thousands of merchants, including Sephora and Urban Outfitters.
• Excellent for people trying to avoid traditional credit lines.

Cons:

• Do not provide cash advances or direct deposits, ts, or emergency cash.
• Late fees for payment defaults.
• The spending limit is often low for new users.

Subscription: There is no monthly subscription; however, there are late fees ranging from $8 to 25% of the order value,e maximum.

9. Avant

Avant is a personal loan provider that gets you money quickly and can be a good alternative for apps like Brigit, especially for users seeking more than just a little cash advance. Avant offers unsecured personal loans with amounts ranging from $2,000 to $35,000 while repayment terms run between 12 and 60 months. It is aimed at people with fair to good credit, and once approved, the funds can be deposited into your account as early as the next business day.

Pros:

• More funding than the traditional cash advance apps
• Fixed monthly payments with a set payoff timeline
• A quick application process and fast funding
• Can be used for debt consolidation or bigger expenses

Cons:

• Requires a credit check
• Interest rates can also get very high (9.95%- 35.99% APR)
• Not qualified for a little emergency with short repayment
• Late fees and possible origination fees

Subscription: No monthly subscription fee. Avant lends based on your credit profile and may charge an origination fee of up to 4.75% of the loan amount.

10. Chime SpotMe

The SpotMe service is provided by Chime which protects overdrafts up to $200 free of charge. Those who have regular deposits into Chime can use SpotMe. It’s automatic so people don’t have to worry about extra charges, interest, or even how it should work, just that it works, as it helps people to avoid overdrafts and late fees.

Pros:

• Free of all fees for overdraft protection
• It is simple to use without any subscription fee 
• Automatically works when linked to a Chime account 
• Gives overdraft protection of up to $200.

Cons:

• Available only to Chime users. 
• Provides limited overdraft protection amount. 
• Requires direct deposit to qualify. 

Subscription: FREE (only requires a Chime account and direct deposit).

Wrapping Up

With the demand for smarter, faster, and cheaper cash solutions up to reach peak levels in 2025. If Brigit were a pioneer in instant cash advance apps, other apps like Brigit with various features are offering flexible repayments and budgeting tools, larger amounts, and interest-free instalments. They provide an instant cash level, help you with expense management, or give you better options for credit building.

When it comes to building a top-of-the-class fintech app<span style=”font-weight: 400;”> like Brigit, Affirm, or EarnIn, we can help do just that. As a leading Fintech app development company,  our team specializes in designing and developing high-performance, secure, and scalable financial applications to meet your requirements. From cash advance features to BNPL models to budgeting tools, we bring in-depth industry knowledge to every project.