Apps Like Earnin | Best 5 Earnin App Alternatives 2021

FundsJoy extends you a loan of up to $5,000 with an APR of as little as 4.99%. You must have a regular income, which requires you to provide proof of employment. Also, while you don't need to have a stellar credit score, it is necessary to enjoy the low rates. Otherwise, the APR can be as high as 1386%; it is down to your creditworthiness.

Like most pay advance loan apps, the entire application process is online. FundJoy processes payments pretty quickly. The funds reach your account on the same day of your application, or over the next business day.

For starters, Loan Solo is not your regular payday loan lender. Instead, it is a loan marketplace linking borrowers with bad credit to payday to a wide range of lenders available across the market. You may not even know whose loan you are holding.

We have, however, featured it in this list because it accepts both online and over-the-phone loan applications. Through the Loan Solo app, you can borrow up to $1,000, which you must fully settle with your next paycheck.

The amount you can borrow on the platform depends on your credit score and your monthly income.

Few lenders are concerned about their user's safety as Extra Lend is! This bad-credit loan marketplace protects your data using 256-bit encryption from the prying eyes of data fishers.

Besides security, Extra Lend offers a limit of up to $5,000 and an extended loan repayment period.

Do these features get you interested in this app? Well, the loan application process is easy. Just fill in a few personal details to make a loan qualification request. If you qualify, the money is yours for the stipulated repayment period.

If you are looking for a quick loan of between $255 and $500, then you can turn to CashNetUSA. The loan application process is reasonably straightforward, taking under three minutes to complete. The funds will reflect in your account in under 24 hours. What's more, the lender doesn't dig into your credit history.

Another benefit of CashNetUSA is that it allows you to stagger your payments across multiple paydays. So, you don't need to settle the loan in full with your next paycheck. You can negotiate for a repayment period of between two weeks to 15 months.

All said and done, the low loan limit and the high cost of borrowing may inhibit your ability to use its loans. It will cost you from $10 to $45 for every $100 you borrow, which means the APR ranges from 205 to 800%.

With over 250,000 users, Brigit Loan App is standing out as the best alternative to bank overdrafts. If you are about to overdraw your account, the app offers you a small loan up to $250 to avert overdraft fees.

This app is simple, transparent, and easy to use, and it is available in all states across the US. Depending on the type of loan you are seeking, you can borrow up to $250 or $1,000.

What makes Brigit Loan App unique is that instead of charging interest, it charges a monthly subscription fee. Once you have paid this fee, you can access interest-free loans. And it neither has a fixed payment period, consequently, nor late payment fees. In case you encounter financial difficulties, you can get an extension.

Apart from having the name of people, Dave App and Brigit have a lot in common. We could use Dave in place of the Brigit app and still be accurate.

With that in mind, Dave is an app that alerts you when your checking account balance goes below the critical minimum. It allows you to request a cash advance of up to $100 to cover your expenses until the next paycheck. You can repay the loan manually. But if you don't, on the due date, the app automatically withdraws from your checking account to settle the loan.

You don't pay interest for the borrowed funds. Instead, Dave is a monthly subscription-based service, charging $1.0 per month, deducted from your first paycheck of each month. The app also asks you for tips, and you can further earn free months by buying from some businesses.

Do you want to borrow as little as $50 and up to $1,000? Check Into Cash is your best shot. Plus, it gives you the ability to manage your loans on the go. Besides payday loans, it also offers title loans, installment loans, lines of credit, and flex loans

Unlike most of the apps we have already discussed, this one has physical locations. However, it is more convenient to apply for the loan online instead. Once the situation turns to normalcy, you can walk into a local store and apply.

For online applications, the drill is the same. Submit your details through the app, and wait for Check Into Cash to process your request. In case you are approved, the lender will reach through the contacts you provided. However, you'll have to wait up to 48 hours to receive the money.

Although Check In Cash has a reasonable APR, the 390% is still on the higher side. Nonetheless, it is available across 30 states in the country, with complement stores complementing its online service.

MoneyLion is a personal finance app that offers small-dollar loans at an interest and free cash advance loans of up to $250. Also, it has a no-fee checking account, which you must maintain to benefit from its services. Nonetheless, it has a reasonably low loan limit of $500, with its APR running from 5.99% to 29.99% %.

Unlike most cash advance apps, MoneyLion provides credit builder loans, which count in your credit rating. So, if you frequently need small loans, you can always borrow here and help build your credit score to qualify for quality credit products in the mainstream financial system.

For you benefit from its payroll advance, you must subscribe to its Plus Membership. You pay $19.99 monthly and must have at least $50 in your investment account with them. If you meet the condition, MoneyLion instantly deposits the requested cash advance into the checking account whenever you need it.

LendUp is a direct lender specializing in payday loans for people with bad credit, which, of course, is reflective in the rates it charges. The company strives to offer instant approval loans, followed by equally fast funds disbursements. So, this is the place to turn to in case you have an emergency.

The entire loan application process is relatively simple, and you can qualify for loans from $100 to $600 for up to 6 months. However, first-timers can only borrow up to $250, which is suitable for responsible lending.

You can use the LendUp loans to build your credit by paying back on time. Also, through its LendUp Ladder feature, you are awarded points for timely payments, and the more points you accumulate, the higher your loan limit climbs. Over time you will be able to qualify for up to $10,000 payable for a relatively long period at meager rates.