You may not know how FloatMe works, so I’m more than happy to tell you about it.
FloatMe is a cash advance app and one of the best apps for $50 instant loans that you can securely link to your bank account to get up to $50 in floats. (Floats is the company’s nickname for payday advances).
FloatMe does not perform credit checks and does not charge interest. (Credit checks and interest should be the last thing on your mind when you’re in dire need of cash).
However, this app costs a small fee of $1.99 per month. However, you can test it for free for 30 days.
FloatMe has saved its users over $100 million in bank fees. Apart from that, there are a number of fintech apps to explore. Below you will find a selection of them.
The best cash advance apps like FloatMe
Table of Contents
These payday/cash advance apps can help you until your next paycheck:
1. Klover (iOS – Android)
Klover gives you access to cash advances of up to $100.
In addition, by answering questions or watching videos, you can earn extra points to boost your progress.
Klover also offers credit monitoring tools and ways to track and meet savings goals.
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2. DailyPay (iOS – Android)
Although DailyPay can only be used by corporate partners, it is a really great app.
And why? Because you can withdraw up to $1,000 every day, every day. Transfer your earnings to your bank account, Visa debit card, or payroll card.
Each DailyPay transfer costs a few dollars, but you can avoid those fees by signing up for a Friday by DailyPay card.
3. Revolute (iOS – Android)
Revolut offers Early Salary, which allows you to receive your salary a few days earlier via direct deposit.
Do you have children? If you’re a parent of teens aged 13-17, you can teach them financial responsibility ahead of time by enrolling them in Revolut <18. Revolut <18 helps teens keep track of their spending money, aim for savings goals and send money to other Revolut <18 members.
You can even use the app’s stock options to invest from as little as $1.
4. Alberto (iOS – Android)
Get a Payday Advance of up to $250 with Albert!
You can also use this app to monitor your spending habits, bills, and income to help you meet your savings goals. (You also get bonuses just for saving money).
Albert also offers Genius, a feature that lets you chat with financial experts for as little as $6 a month.
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5. Dave (iOS – Android)
Although there are many apps like Dave, somehow Dave has attracted a lot of attention and die-hard users.
Dave provides you with the Dave Debit Mastercard, which gives you up to $500 in payday credit.
The app includes an automatic budgeting component to keep track of bills and total expenses.
Like Brigit, Dave offers flexible earning options like dog walking and food deliveries.
Most importantly, Dave is very affordable as it only costs $1 per month to use.
6. Grid (iOS – Android)
With Grid, you get a cash advance and a tax refund.
You can get up to $200 with the CashBoost feature.
With Grid Tax, you can get up to $250 a month in tax returns at no cost to you.
You will also receive a card to help you build credit.
7. Axos Bank (iOS – Android)
The Axos Essential Current Account gives you access to Direct Deposit Express.
Direct Deposit Express allows you to receive your payments up to two days in advance. There are no fees.
8. Hundy (iOS)
Hundy is not your typical payday app. That’s because it’s managed by investors, not banks.
You can request $25 to $250 after registration and expect a payout within 24 hours.
The app is only available for iOS devices.
9. Aspiration (iOS – Android)
This app combines environmental awareness with financial well-being.
Every time you use your debit or credit card, Aspiration plants a tree. Plus, get your paycheck or benefits up to two days in advance when you link your ACH/direct deposit information to your Aspiration account.
Also, keep in mind that debit cards are made from recycled plastic and credit cards are made (mostly) from corn. So if you need to replace a card, you can rest assured that your old card won’t pollute the earth when you throw it away.
10. MyPayNow (iOS – Android)
Get up to $1,250 in cash up front, fast with MyPayNow!
Simply request your money weekly, biweekly, or monthly and expect it to hit your account within a minute.
You only pay a flat fee of $5 for every $100 you retrieve.
MyPayNow even has a sloth as its mascot, which makes things pretty ironic.
Keep in mind that this app is only available for Australian residents.
11. Varo (iOS – Android)
You can’t go wrong with Varo because you can get anywhere from $20 to $100 in payday loans.
In addition to cash advances, Varo allows you to receive your salary two days before your scheduled payday.
Best of all, you can earn up to 6% cashback rewards with your Varo cards, automatically deposited into your bank account once you reach $5. Cool!
12. Earnin (iOS – Android)
Earnin (review) is another recommended app. You can claim up to $100 per day and $500 per pay period.
The app has a useful feature called Balance Shield Alerts. When your bank account balance goes down, Balance Shield Alerts comes to the rescue by sending automatic withdrawals.
Earnin even allows you to send voluntary tips of up to $14.
13. Go2Bank (iOS – Android)
Go2Bank isn’t called the “ultimate mobile bank account” for nothing.
When you set up direct deposit with Go2Bank, you can receive your paycheck up to two days in advance and all government checks up to four days in advance.
You’ll also get up to $200 overdraft protection provided you’re receiving eligible direct deposits.
14. B9 (iOS – Android)
B9 allows you to receive 100 percent of your paycheck up to 15 days in advance. In addition, you get benefits such as:
- Fast money transfers between B9 members
- B9 Visa Card
- No overdraft fees, credit checks, or minimum balances
- Up to $500 cash advance
In addition, you get cashback rewards when you spend at least $200.
15. Chime (iOS – Android)
Chime is a popular online bank that offers direct deposits in advance, giving you your paycheck two days before your official payday. All you have to do is sign up for a Chime online bank account to get started.
This app is also known for its flagship program, SpotMe, a feature that allows you to get up to $200 overdraft protection.
16. Even (iOS – Android)
As soon as your employer registers with Even, you can claim up to half of your earnings.
The great thing about Even is that you can expect your money to be in your bank account within 1 business day. (You can also withdraw your salary at your local Walmart).
Also, this app keeps track of your work schedule and allows you to see your paychecks before claiming them.
17. Brigit (iOS – Android)
With Brigit, you can request cash advances from $50 to $250.
There are no credit checks, hidden fees, or tips.
Brigit also offers useful features such as credit-building tools, automatic advances to save you from overdrafts, and part-time jobs to choose from if you want to earn extra money.
18. Update (iOS – Android)
Need to get your paycheck two days before Friday? Create a Current account.
And with Current’s direct deposit feature, you’ll get anywhere from $25 to $200 in overdraft protection after you’ve made $500 or more per month in eligible payments.
In addition to direct deposit, the app offers cryptocurrency trading options with no trading fees and you can start with as little as $1.
19. Empower (iOS – Android)
With the Empower app, you can apply for cash advances and even increase your credit line.
How does it work? First, start with Empower Cash Advance to get up to $250. Then upgrade to Empower Thrive for a line of credit up to $1,000.
Empower also offers a debit card account with no overdraft fees.
20. SoFi (iOS – Android)
The Early Paycheck program offered by SoFi not only allows you to receive your paycheck a few days earlier. It also covers overdrafts of up to $50.
From time to time, SoFi offers new customers a cash bonus for opening a direct deposit account, so keep an eye out for the limited-time offers.
21. Rain (iOS – Android)
Rainfall creates a win-win situation for employees and companies because employees receive a portion of their earnings up front and it is free for employers to create an account.
With this earned wages access app, you can claim up to 50 percent of your salary in three easy steps:
- Wait for your employer to log in.
- Link your bank account.
- cash out.
22. Tap Check (iOS – Android)
Tapcheck offers next-day transfer options and instant transfers so you don’t have to wait weeks for your paycheck.
At the end of your shift, you can view your earnings at any time of the day or night.
Your employer hasn’t registered yet? Tell him about this app so you can get your payments as soon as possible.
23. FlexWage (iOS – Android)
FlexWage is an app for unbanked workers.
When you need your wages or tips, FlexWage gives you a payment card for quick access.
This app also features a financial wellness program called Sum180.
24. Branch (iOS – Android)
Whether you’re an employee or a gig worker, you can use Branch as long as your employer or client sets up an account with the company.
Send payments to your bank account, which takes about three days, or receive them to your Branch debit card in seconds.
If you want to chat with your colleagues, you can use Branch Messenger to schedule work shifts or just to say hello.
25. PayActiv (iOS – Android)
Would you like to claim up to $500 per pay period? Download PayActiv!
PayActiv is an app similar to the Earnin app in that it allows you to borrow up to $500!
Receive payments via Wal-Mart pickup, pay card, debit card, or bank account.
Although this is an employer partner app, your employer does not need to have a PayActiv account to be eligible. Sign up for a PayActiv card to receive your payslip about two days in advance.
Wrap up
It’s really frustrating when money is tight, especially when a bill is due soon. But with cash advance/payday apps like FloatMe, dealing with your money problems could be easier for you from now on.
