Brigit is an application that keeps track of your account and sends money if the balance exceeds a certain limit.
Brigit has its terms and conditions that may not appeal to everyone. Therefore, we bring the list of apps like brigit in this article.
Best Site and Apps like Brigit – Our Top Pick 👌
The list is in no particular order, as each app has perks that may appeal to a certain demographic.
Earnin is a bit different than Brigit in its work, although the aim is the same to provide you with money when your balance is low. Instead of giving you the loan, it provides your salary before the actual day of payment.
So, if you urgently need money with Earnin, you don’t have to take a loan. Instead, you will be using money from your salary.
The maximum limit per pay in Earnin is $100. This money gets deducted from your next paycheck once you receive it.
The best part of Earnin is that you don’t have to pay anything extra to get the money if you don’t want to. But if you want you can offer them a tip but it is not a compulsion.
Another thing that is similar in all the apps like Brigit and Earnin is the alarm call. In Earnin, once your bank balance goes below $400 you will receive an alert message from Earnin so that you can ask for money in advance.
Suppose you are searching for apps like Brigit because Brigit is not supported in your region. Branch works just like Brigit, giving you an interest loan.
Most of the services in this list do not support most of the countries, more specifically countries other than the US, but the “branch” is an international brand that works in but is not limited to Kenya, India, Nigeria, and Mexico.
The loan is issued for 48 weeks and with monthly interest. The interest may vary depending on the region you are in.
You need to download the application and then request the loan to get a loan. The loan will be issued depending on the terms and conditions stated in the app.
3. Dave:– Banking For Humans
Like Earnin, Dave is a store that allows you to buy a product with your salary before payday.
The maximum limit per pay in Dave is $100. This money gets deducted from your next paycheck once you receive it.
Dave and Earnin are similar in more than one way, but a big difference between them that may give a few extra points to Dave.
Dave is an official partner of LevelCredit. So, Dave will automatically work to increase your credit score by sending your credit report to credit bureaus.
But there is another difference here, Earin is a free service, whereas Dave costs $1 monthly. This is not a big difference; one dollar a month is nothing in front of an improved credit score that can help in the long run.
PockBox is one of the best sites like Brigit, as it offers the same features and works similarly. A conventional loan giving offers you a loan of up to $2500.
But it is a little different from them as well. It acts as a medium between you and the lenders. Because of this, it offers you one thing that most of the applications on our list of “cash advance apps like Brigit” don’t give, which is flexibility.
The upside to this is that many lenders have different interests and features, so you can choose the best one for you.
But this opens a problem of inconvenience, you can’t predict the interest rate, and to find the best lender, you have to dig in a little deep and check each and every profile, as you can not leave everything to the app itself.
CashNetUSA is one of the most popular apps, especially in the United States. It offers a loan on a particular installment. The installment rate depends on the state.
They have two types of loans, Payday loans and installment loans. Payday is what it is famous for.
This loaning system will deduct your installment money from your account once you receive your paycheck. However, there are a few states that extend the installment day.
One of the biggest features of CashNetUSA, which makes it famous, is that it gives you a loan regardless of your credit score. So, you will still be eligible for the loan if you don’t have a good credit score.
But CashNetUSA doesn’t contribute to improving your credit score as it doesn’t send any message to the bank regarding your payment.
Like CashNetUSA, Even is another “on-demand pay” extremely popular in the USA, but the similarity ends here.
They have a different way of doing this. Even sides more with the apps like Earnin and Dave regarding working, but there is more to it.
Even’s tagline is “on-demand pay” and its service ensures that. With “Even,” you can ask for payment anytime, and the amount will be deducted from your account on payday.
Even though it is a bit more expensive than Earnin and Dave, it is still affordable at $8 a month. The amount may sound more than others, but with “Even,” you will never feel like you are out of money. So, for this peace of mind, $8 a month is a perfect value-for-money deal.
Note: One thing to remember about apps like Even and Earnin should be compatible with the company you are working with. Otherwise, they are of no use to you.
Next on our list of apps like Brigit is Chime. Chime works like Earnin and Dave, but there are differences between them.
Chime can be considered a bigger and more convenient version of the other two. In Chime, you must create a spending account and then be issued a Visa Debit Card.
With that card, you can withdraw $500 daily from over 38,000 ATMs across the United States.
However, if you are in a place with no Chime ATM, you can still withdraw money but with a $2.5 per payment fee.
Because of these features, Chima can be considered a bank instead of one of the apps like Brigit.
Having said that, Chime has an app and a loan service, which is why it has a place on our list.
Next on our list is Avant. It has two different services:-
- Avant offers credit cards whose limits vary from $300 to $1000. To opt for this, you need to pay an annual fee of $29-49.
- Avant also gives personal loans, both secured and unsecured.
In the case of a secured loan, you need to pledge your car as collateral. With this, you can approve your loan on your terms and conditions.
The interest rates and loan amounts may vary depending on the country or state you are in. But generally, for unsecured payments, the company’s loan amount varies between $2,000 and $35,000.
Whereas, for secured payment, the company’s loan amount varies between $5,000 and $25,000.
In Secured Payment, the loan duration, Administration fees, and APR are 24-48 months, 2.4%, and 9.95%-35.99%, respectively.
In Unsecured Payment, the loan duration, Administration fees, and APR are 24-64 months, 4.75%, and 9.95%-35.99%, respectively.
Varo is an app that is flying too close to a bank. It has three types of bank accounts, a saving account, and a checking account.
Let’s talk about Varo’s bank account for a bit. Some of its features are:-
- For an overdraft of $50, it is free.
- You don’t need to pay any monthly fees.
- You don’t need to pay any foreign transaction fees.
- It has over 55,000 ATMs all across the nation.
- You don’t need to pay any transfer fees.
Varo also works like Brigit, offering a loan of $3000-25000 with terms from 3 to 5 years. Another advantage Varo has over others is the low APR of 6.9% to 23.9%.
But there is a caveat here, Varo checks your credit report and determines whether you are eligible for the service.
10. PayActiv – Earned Wage Access
Next on our list of apps like Brigit is PayActiv, but it is closer to Earnin than to Brigit. PayActiv has partnered with most US employees to give you a portion of your salary before payday.
But calling PayActiv yet another copy of Earnin would not be right. With PayActiv, withdrawal of up to $500 is acceptable, and the charges are $5 bi-weekly.
So choosing between PayActiv and Even boils down to a simple fact, how often do you request money? If the answer is regularly, then Even is the way to go. Otherwise, PayActiv should be your choice.
Another factor that may force you to choose is that your employer may not partner with them.
Digit is one of the unique brands on this list of “apps like Brigit.” It focuses on saving money, which no other brand on this list focuses on.
There are few services with saving accounts, but Digit is the only one with saving the only motive.
The working of DIgit is pretty simple. It monitors your expenditure and then automatically transfers the leftover money to the Digit wallet.
If you haven’t heard of Digit a lot and are worried about its credibility, then there is no need. Digit is partnered with FDIC-insured up to $25,00,000, so there is no need to worry.
To start with Digit, you must enroll in its monthly plan, which costs $5. This is nothing in front of the service that Digit is providing.
You are getting to use your own money instead of loan money that you must repay on top of fixed interest.
Empower has a checking account, but it is cheaper than the others on our list. The APY limit in Empower is 0.25%, and there are no overdraft fees, minimum deposit fees, and card replacement fees; the transaction fee is just 1%, collectively making “Empower” inexpensive.
One of the main perks of Empower is that it gives loans without checking your credit report. However, it considers your deposits, expenditures, and many other factors while checking your eligibility for a loan.
But if there is one thing that makes Empower a little expensive is the monthly charges, it costs $8 a month, which is not that expensive, but considering the prices of other services, many will not consider this a value-for-money deal.
Stash is one of the most flexible apps on this list. It provides multiple features associated with different types of accounts.
Stash works like Earnin and Dave, providing early access to your salary if your employer has partnered with them.
They also have a scheme that gives you $50 to invest if, within 30 days, you make a direct deposit of $300.
Stash has some of the best investment schemes in the market. They have StockBack, which gives your stock for paying with Stash’s debit card.
Stash has many tricks up its sleeves that you can gain access to by paying them $1 a month. Many different tiers cost Stash Begineer, Stash Growth, and Stash+, costing $1, $3, and $9 a month, respectively.
14. Solo Fund
Solo Funs is a loan app medium between a borrower and a lender. It works similarly to PocketBox as both are a medium instead of full-fledged loan apps like Brigit or Stash. One can borrow $1,000 with a 14 to 30 days term.
There are a few upsides to this: because of competition, the interest rate is very aggressively low, and you have different options.
But this opens a problem of inconvenience; you can’t predict the interest rate, and to find the best lender, you have to dig in a little deep and check everyone’s profile, as you can not leave everything to the app itself.
Note: Unfortunately, this app has no Android version, but they are working on it.
LendUp is a small but growing brand. Currently, it only covers 7 states in the united states, and the terms and conditions vary from state to state.
Generally, they offer a $250 loan with 7-30 day terms to a new user, but as you use it more, you will experience its versatility.
Another thing about LendUp that can make it an easy choice for some reciting in those 7 states is that it doesn’t check your credit report, and getting a loan is easy with it.
So, if you are in Mississippi, Missouri, California, Louisiana, Tennessee, Texas, or Wisconsin, then LendUp is an easy pick.
MoneyLion probably is one of the biggest and most renowned apps on this list. It has a ton of different features that you will enjoy once you start working with them.
So, to get started with MoneyLion you have to create a checking account with it first, and then you are eligible to take a loan up to $250 with 7-30 days terms.
You have to always keep in mind that you won’t be able to borrow more than 10% of your direct deposit.
But MoneyLion is an enormous brand and one of the most trustworthy brands; some might argue that it is even more trustworthy than Brigit.
17. IngoMoney – Cash Checks Fast
IngoMoney is next on our list of apps like Brigit, which certainly stands next to Brigit regarding features and functions.
If we have to call out the fastest “money-getting” app on this list, IngoMoney would be one of the fastest, if not the fastest, as it ensures that you will get your money immediately after the approval.
IngoMoney is similar to Brigit in more than one way. It monitors your account and can even pay your credit bills, purchase an amazon gift card and transfer your money from one account to another.
IngoMoney also allows you to earn extra points by referring the app to your friends and colleagues.
GoBank is another alternative to Brigit. It is a finance app developed by green dot corporation.
GoBank is not new and has won many awards for its fast, fair, and reliable service. It offers all the important tools a finance service should have within a mobile application.
You need to open a checking account and then be eligible to use their services, such as direct and mobile check deposits. It is an award-winning app, so there is no need to doubt its legibility.
They have also their ATMs spread across the United States. But there is a caveat here if you withdraw from a non-GoBank ATM, you will be charged $3 per transaction on top of charges laid by the ATM owner.
FlexWage is an on-demand payment app that works just like Earnin. It has patterned with many employees across the United States and can be a great asset for someone who wants his salary before payday.
They have some of the best services in the market by having a 24/7 customer support helpline, or ATMs spread across the United States.
All this collectively ensures that you are productive and do not have to worry about asking for payment or waiting for your payday again.
But just like any other employer-sponsored app, this also has a problem. It doesn’t support all employers; you may have to scroll up this list to find other apps your employer supports.
What happens if you don’t pay back Brigit?
If you do not pay back Brigit the amount you borrowed in the specified period, you will be charged a small fee.
This fee is not one-time; whenever the platform registers an insufficient fund from your end, it will add up the fee to your next repayment.
How much does Brigit let you borrow?
Brigit lets you borrow up to $250 and does not even check credits before approving the money.
Moreover, the platform does not charge any interest on this money. You might have to pay small fees if you cannot pay back the amount on time.
Is Brigit better than Earnin?
Earning has a lot more to offer than Brigit. The free plan here does not offer much to its users, and the paid membership plan costs around $9.99/per month. Similarly, Brigit only provides $250 to its users, while Earnin can go up to $500.
How long does it take to borrow from Earnin?
It takes around 2-3 days to get the money in your account after you place the request. Once you receive the money, the withdrawal will be made automatically for repayment as scheduled. If you fail to repay on the scheduled time, a small fee will be added to your next repayment.
Is the Brigit app legit?
Does Brigit affect credit score?
No, Birgit does not affect your Credit Score in any money since they are not a loan-based platform.
Moreover, you are not required to have a perfect credit score, nor do they look at the numbers before offering you the money you are looking to borrow.
In this article, we have discussed 19 of the best sites like Brigit. All of them have advantages and disadvantages that you must check out to find the best one for your needs.