Home Tech 9 Best Apps Like Earnin To Live The Life You Earned

9 Best Apps Like Earnin To Live The Life You Earned

Are you in a search of the Best Alternative Apps Like Earnin To Live The Life You Earned?

We got you covered in this post with the top 9 apps.

Without any further ado, Let’s explore this guide.

Money is one of the most important and basic needs to get through with life. That is what we all work for, and when you get the money in your account for all the hard work you have been putting in at your job, it is an extraordinary feeling, especially when you are running tight on the finances and budget.

In fact, to face the truth, sometimes, life plays hard on us, and it’s difficult to wait for the payday. You may be running low on the budget, might have exhausted the earnings you had from the last month, and now it might be getting difficult for you to get by the last few days at the end of the month before your next salary finally gets credited into your account.

Now, the needs could be desperate, you may be in need of a lot of money, it could be due to some unprecedented and unplanned causes like medical bills, etc., or there may be just some special errands to run.

Now, in this situation, all you could figure out doing is taking loans from your friends and relatives. However, before you consider taking loans from outside sources, how about you consider taking a loan from yourself?

Now, that sounds crazy, but the crux of this is to consider getting paid for some or all the amount of your salary before your actual payday. You would wonder if that is possible, but fortunately enough, it is an achievable thing to fancy.

You can easily get payday loans if you are eligible for the same and the loans are approved. However, with technology, there are even applications that don’t even require you to go through a lot of trouble and offer you payday loans with no charges in particular or even interest rates. One of many such applications is the Earnin app.

Let’s dig a little deeper into this application.

What is Earnin App?🧐

Earnin app is one of the most popular payday applications that help you deal with a situation of a financial crisis. This application allows you to get a loan against your salary that is yet to be credited into your account.

To put the entire thing in more straightforward terms, you can get money from the Earnin app anytime you want, and the amount that you take as a loan or advance later gets deducted from your paycheck as and when it gets credited to your account.

In addition to granting you a loan against your paycheck, this application even keeps a log of the hours that you worked for so as to account for the money you are entitled to receive. It is on the basis of these logs that you get the money from the Earnin app.

The best part about this application is that it doesn’t charge a membership fee or even an interest rate on the amount you are taking as a loan.

All that this application does is offer you money in times of need and then deduct it from your account when there is enough in it.

So, you need not rely upon your friends, relatives, or anyone for that matter to overcome your financial crisis. All you need to rely upon is your next paycheck. As long as you are working for it, you know that you shall get it.

With that, the Earnin app comes as a real savior to you. However, that’s not the only application that can save you from a financial crisis.

There are many other apps like Earnin that can help you in times when you are in desperate need of money, and just like the Earnin app, these alternatives too would come with no or minimal interest rates and charges.

So, let’s have a look at all the options you have in your basket to meet your need for money and finances before payday.

Best Apps Like Earnin – Our Top Pick👌

As basic as the need for money is for any person, some people get it the hard way, and in some circumstances, their need becomes so desperate that they cannot wait for their next paycheck to get by.

In such situations of a financial crisis, any help suffices, no matter how big or small it might be.

Now, one way to deal with these financial crises is by using apps like Earnin that offer you money before your payday and then later deduct the amount from the paycheck that is credited to your account.

Now, Earnin is a great application in itself and will serve you well in dealing with your needs for money and finances. However, this is not the only application that you could use. In fact, there are many other payday applications that you could use as a viable alternative to Earnin.

There can be several reasons for this. You may have probably exhausted your limits on the Earnin app and might not be getting loan approval. You might be looking for an application with better offers. You may just be bored of the Earnin app and want to explore more other options, in particular.

Well, whatever be your reason, it’s only a good thing to know some options that may be better than the application you have currently put to use or at least equally good, if not better, for that matter.

So, we took this opportunity to acquaint you with some of the best apps like Earnin that you can use as a good option if in case Earnin is not meeting your needs and requirements any longer. Let’s have a look at your options without any further ado.

Please note that these applications are not ranked in any particular order, and this is just a random list of the best options that you have got in store for keeping up with your financial needs and requirements.

1. Dave – Banking for humans

One of the best apps like Earning and to help you manage your finances, Dave is the application that pays you ahead of your payday. This is an application that is dedicated to helping you with your finances and managing them better.

You can definitely use this application to get an advance or loan against your paychecks before your payday in your times of need.

However, in addition to helping you get through the financial crisis, this application even helps you plan your finances, expenses, and budgets for the future so that you don’t find yourself in a crisis situation.

Best Apps Like Earnin

This application studies and analyzes your spending patterns, and once it does that, it guides you on planning your budgets and the way you can spend your money in the future.

This application also keeps a record of your upcoming bills, so you would already know the expenses coming forward, and you can be better prepared for meeting those expenses and honoring your bills.

However, one small problem with this application is that it puts a cap on the amount that you can borrow ahead of your payday.

The loan amount from this application is restricted to a maximum limit of $75. Moreover, you need to bear a $1 membership fee per month as well to keep using this app.

Nonetheless, it’s a good deal. Even if the amount is capped, it’s a great help in times of desperate need. Moreover, bearing $1 for all the features and functionalities that you get with this application only seems fair and justified.

Download App on Google Play Store

Download App on Apple App Store

You may like to read our guide on the 13 Best Apps like Dave To Improve Your Financial Health.

2. Even – It’s your pay, your way

If you are looking for an application that can give you the money you have earned without having to wait for one particular day to receive it, then the Even app can come as a good solution.

This application pays you your wages anytime you want them, and then they can be deducted from your paycheck as and when it gets credited to your account.

Best Apps Like Earnin 1

But that’s not all about this application. The Even app goes beyond being just a payday application that helps you out of a situation of a financial crisis.

This application is, in fact, a financial planning and budgeting application that helps you ensure that you never fall into a situation where money becomes a desperate need of the hour.

Using the Even app, you can plan your budgets, look through all your sources of income and finances, and ensure that you won’t have to get any loans or advances. With that, this application ensures the financial wellbeing of its users at best.

The only drawback of this application is that it shall be helpful to you as an employee only when your employer is using it.

So, basically, the application is a two-way street, and it would render useless in case your employers aren’t using it, in which case, you will have to look for some other options that don’t make you dependent on third parties.

Download App on Google Play Store

Download App on Apple App Store

3. DailyPay – Your money, when you need it!

If you are an employer with compassion for your employees and don’t want any of them to suffer, especially because they had to wait for the payday to get the money that was needed much in advance of the said day, then DailyPay is an application that you will love to use.

This application has the features and functionalities that are closest to those of the Earnin app, and this very reason makes DailyPay one of the most useful apps like Earnin. Just like the Earnin app, it helps you get by until you receive your paycheck.

9 Best Apps Like Earnin To Live The Life You Earned

You can use the application and connect it with your bank account as well as your employee account. The application will use the necessary and relevant information to log the hours that you work for every day.

You can then get a loan based on the amount that has got accumulated in your DailyPay account. This amount is calculated according to your hourly pay.

This way, you need not wait for your paycheck to get credited to your account, and you can be sure that you shall have the money you need at any point in time.

However, as you transfer the amount from your DailyPay account to your linked bank account, you will have to bear a transfer fee of $1.25.

But considering that the amount you transfer shall meet your more important and desperate needs and requirement, the transfer fee only seems like a fair price to pay.

Download App on Google Play Store

Download App on Apple App Store

4. Branch

If you are a wage worker who gets paid by the hours of working, then you know the difficulties and challenges that cross your path to attaining financial stability.

The income for hourly workers is so unpredictable that they can hardly ever imagine reaching a stage of financial stability. The Branch app changes this situation for them.

With the Branch app, hourly workers can easily keep control of their finances by getting the amount they are entitled to ahead of their paydays.

Best Apps Like Earnin 3

Moreover, this application doesn’t even charge any transfer fee, membership fee, or interest rates for granting you the amount you need. It also doesn’t look at or demand your credit ratings and score. So, these are all on the plus side of the deal.

However, there is a fair share of negatives with this application too. Now, while getting the money is not difficult, you still need to wait for three or four business days before you get the amount that you requested from this application. However, you may get it earlier if you can afford to pay a minimal fee.

With all of that, the Branch app is nothing less than a boon, especially for the hourly wage workers considering that it offers them a fair chance at achieving the much-needed financial stability that everyone wishes to accomplish in life.

Download App on Google Play Store

5. MoneyLion

With most of the banking services available in it, MoneyLion is like a mini bank on your mobile phone, and that too without any restrictions.

So, if you have been trying to get a loan but your bank has been rejecting the same, then it is probably time for you to try out the MoneyLion application.

RoarMoney: Banking That Gives You More | MoneyLion

This application not only offers you loans and advances against your paychecks, but you can even use it for other purposes like making investments or getting rewards in the form of cashback.

With the ability to make investments through a simple and easy-to-understand application in your hand, you shall have a better chance at attaining financial stability.

Moreover, this application even has higher caps for granting loans. As such, you can get a loan for as much as $250 from this application and that too without any interest being charged on it. This can really help you in a situation of financial crisis where you are in an utterly desperate need of money.

Additionally, this application serves as a good medium for building your credit score as well. As long as you pay back your debts and loans in the specified time, the application will keep building your credit score.

Additionally, you can use the credit builder feature of the application, wherein you can get a loan for up to $500 at an interest rate of 5.99% per annum. As you pay back this loan with interest within the specified time limits, the application starts building your credit score.

So, basically, you get a chance to build your credit score while also getting the finance that was much-needed.

That’s a win-win, and it is for this reason that MoneyLion is the robust application of this day, posing a good competition to the Earnin app and helping you with all your financial and money needs and requirements.

Download App on Google Play Store

Download App on Apple App Store

You may like to read our guide on the 7 Best Apps like Moneylion For Banking That Gives You More.

6. FlexWage – On-Demand Pay

The payday applications seem like a great option to get the money you have earned before your paycheck is due; however, most applications like this grant you the money in your bank account.

Now, what if you receive your salaries through a physical check rather than the salaries getting credited to your bank account? Well, this is the case where FlexWage comes as a viable and effective solution.

FlexWage is an application designed for the hourly wage workers to get the money they have earned instantly without them needing to wait for the payday.

Now, while it does what other payday applications do, the thing that makes this particular application different and unique is that it comes with a payroll debit card. This means that you can swipe the card and get the amount from this application.

FlexWage for Unexpected Expenses

However, while this application serves unique purposes and helps you get money in advance even against your physical paychecks, this application is not free from some drawbacks, the major one being that it has some hefty fees attached to every transaction you make.

As such, with every swipe of your debit card, you are parting with an extra $5 as you use this application.

However, considering that you get the money you are earning much in advance and that too without going through much of hassles, it’s only a fair amount to part with, and the application may come off as a beneficial solution after all.

Download App on Google Play Store

Download App on Apple App Store

7. PayActiv

Another app like Earnin, which is a lot more than just a payday application, is PayActiv. This application not only allows you to get your salaries ahead of your payday, but it’s a complete proforma for helping you achieve financial security and stability.

In addition to just granting you advances against your salaries, this application has many other intuitive and impressive features. For example, you can get financial counseling from this application.

9 Best Apps Like Earnin To Live The Life You Earned

With that counseling, it shall be easier for you to plan your budgets, manage your finances, and even save for the future. As you do that, you may not even need to get any loans or advances since you shall be well-prepared for everything in advance.

Moreover, the application also comes with a debit card. So, not only could you use PayActiv for the account to account transfers, but the application shall help you with your cash needs as well by allowing you to withdraw money from the ATMs using the application’s debit card.

Furthermore, with the PayActiv app, you shall never ever fall behind your bills, as you can directly pay them from within the application interface.

Another major highlight is the ability to get discounts and offers for your medical bills. So, your medical expenses are minimized and managed to a certain extent with this application.

The best part yet is that you get all these extensive and extraordinary features and functionalities at minimal cost and a transfer fee of just $5.

Considering all these things, it wouldn’t be wrong to mention that PayActiv is one of the most functional, feature-rich, and robust alternatives to the Earnin app, something every person seeking out financial management guidance and financial stability must put to use.

Download App on Google Play Store

Download App on Apple App Store

8. Rainy Day Lending

Now, this is not exactly similar to all the apps like Earnin, and it differs a lot in its features and functionalities; however, if you are in need of money and that too a lot of it, then this application shall be particularly helpful.

The Rainy Day Lending application basically makes it easier and faster for you to get personal loans. So, it’s not a payday application in particular that will help you get money in advance of your paychecks.

But this application works on the philosophy of credit cards. In fact, you use this application; it is a must to have a credit card in the first place.

On the basis of your credit card, you can apply for a personal loan in this application, and as soon as the loan gets approved, you get the amount credited into your bank account, and then you can pay back the amount eventually based on the period of credit involved.

However, as you take this loan using the Rainy Day Lending application, you need to consider the fact that the interest rates can be pretty high.

So, before you finally put the application to use, you must check the interest rates and make sure that you have provisioned for the same in the amount you need to pay back against the loans in your name.

You may like to read our guide on the  11 Best Life Planning Apps – Streaks For Goals & Habits.

💁Frequently Asked Questions

Now, you are aware of many apps like Earnin, and they may all be enough to get you by your money and financial needs and requirements.

However, when it’s about money and, more importantly, getting the same on credit, it’s only natural to have some questions in your mind.

So, let us take this opportunity to answer some of the most frequently asked questions about the Earnin app and other apps like it.

1. Does the Earnin app put a cap on the amount that you can take as a loan?

Yes, the Earnin app does cap the amount at a maximum of $500 per pay period. Moreover, you need to be patient about the amount, as it takes at least one to two business days for the application to process your request and transfer the amount to your account.

2. Are there any applications that do not cap the amount that you can borrow?

Well, as of now, you cannot find any such applications. Every payday application puts a limit to the amount that you can take as an advance against your paychecks. Such limits are necessary for these applications to be able to provide for the needs of all their users.

If the amounts are not capped, the users can become careless with their money, and that can lead to more distressing financial crisis situations in the future. To save such a situation, it’s good on the part of the applications that they cap the amounts to a certain value.

3. Are these applications useful to get personal loans and advances too? What is the interest rate in such cases?

Yes, you can use payday applications to receive personal loans and advances. One of the best applications for this very purpose shall be Rainy Day Lending.

In fact, it is different from all other payday apps like Earnin and designed solely for the purpose of helping you with personal loans. So, it’s a good application that you can put to use.

3. Can these payday applications help attain and accomplish financial stability?

Yes, there are many payday applications that guide you for your finances in addition to helping you get the money you need.

Some of these applications that are a complete financial management solution rather than just a payday application are PayActiv, Dave, and MoneyLion.

These applications offer you financial counseling and advice and help you plan your budgets as well. So, you can efficiently use them to attain and accomplish financial stability.

Final Words

It is never easy to deal with money problems and financial crises. Any help in these situations is much appreciated by those in need.

All the payday apps like Earnin and others on this list are built solely for the purpose of helping people get by their financial needs and requirements. When used wisely, these applications can even help achieve much-needed financial stability in life.

We hope that knowing these applications will come off as helpful to you, and you shall be in better control of your money and finances in the coming future.