Fees checked against each app’s own terms Not financial advice
Best Cash Advance Appswhat each one really costs

Apps like EarnIn: no membership, pay for speed

In brief

EarnIn has no membership; it earns from optional tips and its Lightning Speed fee, $5.99 for $100 on standard pricing (156% APR over 14 days). 5 other apps also work without a membership, and 2 of them cost less for $100 instantly. If your employer offers earned wage access, that is the closest thing to EarnIn and usually cheaper.

Fees and terms checked · Not financial advice

Same model: no membership

App$100 instantvs EarnInTipsMax
Albert Instant AdvanceInstant to Albert Cash $0.000% −$5.99 none $1000.00
Chime MyPayInstant Advance fee (3%, $2–$5) $3.0078% −$2.99 none $1000.00
MoneyLion InstacashTurbo to MoneyLion Spend (7.5%) $7.50196% +$1.51 optional $1000.00
Klover Balance AdvanceExpress fee $9.49247% +$3.50 none $750.00
Varo AdvanceInstant to your Varo account $20.00521% +$14.01 none $1000.00

Also no membership, but not comparable from published terms: Current, Gerald.

Closest of all: earned wage access through your employer

If your employer uses one of these, you can draw pay you’ve already earned and your employer takes it back from your paycheck. Same idea as EarnIn, but arranged by your workplace. Instant transfer of $100 on published terms:

Branch

$0.00 · 0% APR

Instant to a Branch Wallet

Payactiv

$2.49 · 65% APR

Instant to a Payactiv Visa Card

DailyPay

$3.99 · 108% APR

Instant transfer (set by your employer)

Rain

$4.99 · 130% APR

Expedited delivery fee

Clair

$4.99 · 137% APR

Instant to your bank or debit card

How employer wage access works, and the state laws behind it.

Apps with a membership instead

Tilt Cash Advance (formerly Empower) ($8.00), Dave ExtraCash ($10.00), Grid Cash Advance ($12.99), FloatMe Float ($14.49), Brigit Instant Cash ($14.98), Possible Advance ($15.00), Cleo Cash Advance ($20.98), B9 Advance ($24.98) charge a monthly membership, so they cost money even when you wait for the free transfer. Compared with EarnIn they only make sense if you use what the membership includes. Full comparison in the ranking.

Questions

What apps are like EarnIn?

Apps that advance money without a monthly membership and charge only for instant delivery: Albert, Chime, MoneyLion, Klover, Varo. The closest product of all is earned wage access through your employer (DailyPay, Payactiv, Branch), which, like EarnIn, gives you pay you’ve already earned.

Which apps are cheaper than EarnIn?

For $100 delivered instantly, EarnIn charges $5.99 on its standard pricing. Cheaper with no membership: Albert Instant Advance ($0.00), Chime MyPay ($3.00).

Do apps like EarnIn ask for tips?

EarnIn asks for an optional tip (none in Colorado and Wisconsin). Others that invite optional tips: MoneyLion, B9. Tips are optional everywhere and a $0 tip doesn’t change eligibility, the apps say.

Is EarnIn earned wage access?

EarnIn calls its Cash Out a way to access earnings you’ve already made, and asks for your work details and a regular pay schedule. Unlike employer programs such as DailyPay or Payactiv, it works without your employer and takes repayment from your bank account, not your paycheck.

Sources for this page

How costs are calculated, what is left out and how to send a correction: methodology.

Cite this page

Best Cash Advance Apps. "Apps Like EarnIn: No-Membership Cash Advance Apps Compared." Updated November 8, 2026. https://bestcashadvanceapps.com/apps-like-earnin/