Brigit lets you access up to $250 per pay period and get advances within minutes for free with a Premium subscription or for a fee. It also features automatic overdraft protection, identity theft protection and the ability to extend your repayment date up to three times.
But with a high membership fee of $8.99 to $14.99 a month, Brigit isn’t the most competitively priced option, and its $250 maximum is lower than some apps. If you’d rather skip the monthly fee or need a larger amount, choose from these other options.
- Brigit’s benefit. You can get up to $250 per pay period.
- The catches. The monthly membership runs about $8.99 to $14.99 and the $250 max is lower than many competitors.
- What rivals do differently. Many alternatives offer higher advance limits than $250 and fees are either lower or optional.
Our 6 top picks for apps like Brigit
Alternative for freelancers
Cleo
If you’re a freelancer or gig worker with multiple side hustles, Cleo is made for you. Unlike Brigit, Cleo doesn’t require you to have income from the same employer and it doesn’t have a minimum income requirement. As long as you have consistent income, you could qualify for cash advances.
Cleo cash advance amounts start around $20 to $70, but that amount can increase to $250 over time. Cleo also packs in features to help you budget and track your spending and bills better. Cash advances are available on the Cleo app through its paid plan, which costs $5.99 a month. If you need a same-day transfer, it’s an additional $3.99 to $8.99, depending on the advance amount.
| Loan Amount | $20 – $250 |
|---|---|
| Turnaround time | 3 to 4 days or instant for a fee. |
| Costs | $5.99 monthly membership fee to access cash advances |
| Loan Amount | $20 – $250 |
|---|---|
| Turnaround time | 3 to 4 days or instant for a fee. |
| Costs | $5.99 monthly membership fee to access cash advances |
Read review
Alternative for employed borrowers
EarnIn
EarnIn is a cash advance app that lets you borrow up to $750 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps, including Brigit. And, unlike payday loans, there are no interest or financing fees to use Cash Outs.
To qualify for EarnIn Cash Outs, you must be employed, have regular direct deposits and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account or more than $150 per day to an EarnIn card. Regular transfers are available in one to three business days or minutes for a fee.
| Loan Amount | Up to $750 |
|---|---|
| Turnaround time | 1 to 2 business days or within 30 minutes for a fee |
| Costs | Free to use or within minutes with a fee as low as $2.99 per transfer |
- Not available in: Connecticut
| Loan Amount | Up to $750 |
|---|---|
| Turnaround time | 1 to 2 business days or within 30 minutes for a fee |
| Costs | Free to use or within minutes with a fee as low as $2.99 per transfer |
Read review
Alternative for no fee cash advances
Albert
Albert offers both cash advances and overdraft protection up to $1,000, , and overdraft protection doesn’t require a fee for fast transfers like Brigit. There are no late fees, inactivity fees or interest charges, and you may qualify for multiple advances per pay period, which is rare for these apps.
But you need a Genius subscription to qualify for advances, which costs Optional $14.99 monthly subscription to access budgeting and basic savings a month — a bit more than Brigit. Albert also offers a debit card, early paycheck access, investing and budgeting tools and saving features.
| Loan Amount | $25 – $1,000 |
|---|---|
| Turnaround time | Instant |
| Costs | Optional $14.99 monthly subscription to access budgeting and basic savings |
| Loan Amount | $25 – $1,000 |
|---|---|
| Turnaround time | Instant |
| Costs | Optional $14.99 monthly subscription to access budgeting and basic savings |
Read review
Alternative for low monthly fees
Dave ExtraCash
Dave offers larger loan amounts than Brigit, with cash advances up to $500 per pay period. The Dave app also offers a checking account and digital debit card with no overdraft fees or minimum deposit to open — a great alternative to Brigit’s overdraft protection. Another feature, Side Hustle, can help you find local jobs for extra cash.
However, Dave’s delivery speed could be slower than Brigit’s. Getting your funds may take up to three business days. Plus, instant delivery fees can go as high as $25, which is more than Brigit charges.
| Loan Amount | Up to $500 |
|---|---|
| Turnaround time | Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee |
| Costs | Undisclosed |
| Loan Amount | Up to $500 |
|---|---|
| Turnaround time | Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee |
| Costs | Undisclosed |
Read review
Alternative for all-in-one banking
Cash App
Cash App is chock-full of mobile banking features. A top-ranked banking app in app stores, Cash App offers free peer-to-peer payment services, a Cash App debit card linked to your account, direct deposit, investing, buying and selling crypto and much more. There’s also no membership fee, unlike Brigit’s monthly fee.
If you need quick cash, Cash App might offer a solution, too. One of its newer features is called Borrow, offering qualified borrowers loans up to $200 — much higher than Brigit’s $250. It’s not available to all users, but the loans typically have a four-week repayment period and a flat 5% fee per loan. If you miss your final due date, you’ll be charged a weekly 1.25% late fee.
However, Cash App’s reviews aren’t great. It’s received thousands of complaints on its Better Business Bureau (BBB) profile, and the vast majority of reviews on Trustpilot are negative. Many users mention issues with refunds, encountering scam profiles and poor customer support.
| Loan Amount | $20 – $200 |
|---|---|
| Turnaround time | Same day |
| Costs | 5% flat fee |
| Loan Amount | $20 – $200 |
|---|---|
| Turnaround time | Same day |
| Costs | 5% flat fee |
Read review
Alternative for credit-building
Possible Finance Mobile Installment Loans
Unlike Brigit or the other alternatives on this list, Possible Finance isn’t a cash advance app. Instead, it offers short-term installment loans. One of the biggest advantages of Possible Finance is that it reports its loans to two of the three credit bureaus, so you might increase your credit score with timely payments — a perk that doesn’t normally come with payday loans or cash advance apps.
There’s no credit check, but costs and loan amounts do vary by state. Possible’s installment loans are only available in 16 states. Plan on around $15 to $20 per $100 borrowed. But watch out — in some cases, you may face a 460% APR, which is comparable to pricey payday loans.
| Loan Amount | $50 – $500 |
|---|---|
| APR | 150% to 460% |
| Turnaround time | As fast as 1 business day |
- Available in: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington
| Loan Amount | $50 – $500 |
|---|---|
| APR | 150% to 460% |
| Turnaround time | As fast as 1 business day |
Read review
How does Brigit compare?
Brigit has a host of financial budgeting and spending tools, automatic overdraft protection up to $250 and instant delivery within 20 minutes of a cash advance request — for an additional instant transfer fee.
Unfortunately, the $8.99 to $14.99 monthly membership fee may not be worth it. Some apps don’t require a monthly membership to get small loans or cash advances with regular turnaround, including Possible Finance, EarnIn and MoneyLion.
Some users complain that the advance amounts they qualify for — such as $50 — are too low to justify the monthly subscription fee. It may only be worth it for those who take out frequent cash advances or want Brigit’s credit-builder program and $1 million in identity theft protection.
Learn more about the app in our detailed Brigit cash advance review.
Pros
- No interest charges
- Move due date up to three times
- No late fees or obligation to tip
- Automatic overdraft protection
Cons
- High monthly membership fee of $8.99 to $14.99
- Up to three-day turnaround
- May not qualify for the largest advance amounts
