FloatMe is a popular app that helps you get a small cash advance before payday, but it’s not the only option out there. Whether you're looking for a higher advance amount, faster delivery, or extra financial tools, there are plenty of apps that offer similar or even better features.
We’ve tested and reviewed the top alternatives to FloatMe that give you access to your paycheck early with no interest, no credit checks, and fast approvals. From simple cash advances to full financial apps with credit-building and budgeting tools, here are the best FloatMe alternatives worth checking out today
Top Apps Like FloatMe to Get Money Before Payday
1. Current
Current is more than just a cash advance app. It’s a mobile banking platform with early paycheck access, overdraft protection up to $200, a paycheck advance of up to $750, and no hidden fees.
You get a Visa debit card, budgeting tools, and the ability to earn points on purchases that you can redeem for rewards.
While it does not offer traditional cash advances like FloatMe, its ability to give you access to your paycheck up to two days early can be just as helpful.
Pros:
- Access your paycheck up to two days early
- Paycheck advance of up to $750
- 🎉 Get a $50 bonus when you use code WELCOME50 and deposit $200 in 45 days
- No monthly fees, basically free
Cons:
- No true cash advance feature
- Requires direct deposit setup
- No interest on cash advances
- Advances of up to $750 (based on eligibility)
- 100% free and no credit check
- Full mobile banking
2. Albert
Albert is a smart money app that offers up to $250 in cash advances with no interest and no credit check. The more you use it and repay on time, the higher your limit may grow.
You can also text financial experts with the Genius feature, which gives you access to real human help for budgeting, saving, and investing. The app also includes automatic savings, cash back rewards, and investment tools if you want a more complete money solution.
Pros:
- Up to $250 with no interest
- Smart savings and investing features
- Text access to real financial experts
Cons:
- Lower advance limits for new users
- Can take time to unlock full benefits
- Borrow up to $250 with no interest
- 30 day trial, then $5.99/month
- Automatically sets money aside for savings
- Access budgeting tools and investing features in one place
3. Cleo
Cleo is a fun and useful financial assistant that can send you up to $250 with no interest or credit check. You need to subscribe to Cleo Plus to access this feature, but in return, you get budgeting tips, financial advice, and even a snarky AI chatbot that keeps things interesting.
It’s ideal if you want some personality in your money app while still getting the financial tools you need.
Pros:
- Up to $250 in advances
- Budgeting and money insights included
- Fun and engaging user experience
Cons:
- $5.99 monthly subscription required
- Advance amount based on your income and spending
- Not designed for traditional banking needs
- Get up to $250 without credit checks
- Chat with an AI that helps you budget and roast your spending
- Automatically tracks and breaks down your expenses
- Fun, no-pressure way to manage your money
4. MoneyLion
MoneyLion’s Instacash feature gives you up to $500 in instant cash with no credit check or interest. You can also open a RoarMoney checking account, track your credit, earn rewards, and even take out credit builder loans.
It’s a solid long-term app if you want both short-term help and tools to grow your credit and finances over time.
Pros:
- Up to $500 in cash advances
- Includes full banking tools and credit builder options
- No interest or credit check
Cons:
- Advance limits can start low and grow slowly
- Faster delivery may cost extra
- Best results with direct deposit
- Instantly access up to $500 with no interest
- Includes a RoarMoney checking account
- Build credit with low-risk credit builder loans
- Earn cashback on everyday purchases
5. Brigit
Brigit helps you bridge the gap between paychecks with up to $250 in cash advances and no credit check. Its real value is in its predictive overdraft protection and automatic advances, which help prevent fees and financial stress.
The premium plan also includes credit monitoring and budgeting tools, making it a good fit if you want more than just fast cash.
Pros:
- Predictive overdraft alerts
- Up to $250 in cash advances
- No credit check or interest
Cons:
- Full features require $9.99 monthly subscription
- Advance amount capped at $250
- Only available to users with stable income and bank activity
- Get up to $250 automatically when your balance runs low
- Predictive alerts help you avoid overdrafts
- Includes credit monitoring and budgeting tools
- No interest or hidden fees
6. Empower
Empower offers up to $300 in cash advances with no interest or late fees. After downloading the app and linking your checking account, you can qualify quickly based on your income and spending patterns.
It also features automatic savings, budgeting, and financial insights that help you manage your money better while giving you a cash buffer when needed.
Pros:
- Up to $300 available quickly
- No late fees or interest
- Includes savings and budgeting tools
Cons:
- Full features require $9.99 monthly subscription
- Advance amount capped at $300
- Only available to users with stable income and bank activity
- Get up to $300 instantly with no interest or credit check
- Smart budgeting and automatic savings tools included
- Build your spending limit over time with responsible use
- Free 14-day trial, then just $8 a month if you stay
7. EarnIn
EarnIn lets you tap into your paycheck early, offering up to $750 between paydays depending on your history and usage. The app doesn’t charge interest or fees, but it does encourage optional tips to support the service.
One standout feature is Balance Shield, which can automatically deposit up to $100 when your account is running low, helping you avoid overdraft fees.
Pros:
- No interest or mandatory fees
- Potential access to up to $750
- Balance Shield protects against overdrafts
Cons:
- Advance limits start low for new users
- Requires direct deposit and consistent income
- Tips are optional but encouraged
- No fees if you choose standard delivery
- Works with most jobs if you have a steady paycheck
- No credit check and won’t hurt your score
- Borrow up to $750 as you build history in the app
Apps Like FloatMe Can Help
When money is tight and payday feels too far away, apps like FloatMe can offer a helpful bridge. But depending on your needs, whether it’s a bigger advance, budgeting help, or credit support, one of these alternatives might be an even better fit.
Each app has its own strengths. Some are great for freelancers, others shine for full-time workers with steady income. Take a few minutes to compare the options above and see which one lines up with your financial goals. Getting quick access to extra cash doesn’t have to come with high fees or long wait times anymore.
