6 Best Payday Advance Apps

6 Best Payday Advance Apps
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https://loansolution.com/Payday Loan Apps
Last Updated 11.08.2022
150000
Loans Processed
10000
Max Loan Amount
98
Approval Rate, %
37.5
APR, %

Have you ever been in a tough financial spot, but didn’t have access to the money you needed right away? If so, you’re not alone. Many people face the same issue when they need cash quickly, but don’t have time to sit down with their bank and fill out all the paperwork that goes along with a loan from their institution. Fortunately, technology has brought us some easy solutions to this problem, in the form of payday loan apps that can give you instant access to the money you need for just about any emergency.

How Do Cash Advance Apps Work?

To start, it’s important to understand how cash advance apps work. The application process usually involves you filling out an online form that requires you to provide your employment status, monthly income, and bank account information (for direct deposit). For many of these apps, rates and fees vary based on your credit score, with higher credit scores garnering lower interest rates. Some loan companies offer free same-day advances if you apply before noon — but be sure to read each company’s terms and conditions carefully. If approved for a loan amount that’s more than what you need, simply pay off what you borrowed as soon as possible to avoid paying unnecessary interest charges.

» COMPARE: $50 Payday Loan Apps

Earnin

There are plenty of alternative options for people who need an emergency loan, but Earnin’s online app might be one of the easiest to set up. To get started, you’ll create a quick profile, and then answer some questions about your income (to make sure you qualify). The app connects directly to your bank account to verify how much money you have and how much you make every month. Once it confirms that you’re eligible for $500 or less in emergency cash, Earnin sends money into your bank account as soon as 24 hours later (making it one of the fastest payday loan apps). All told, its no-hassle process makes Earnin one of our favorite cash advance companies.

Brigit

The app analyzes your financial situation, compares it to your loan profile, and recommends an amount that will help you get through your temporary emergency. The app then connects you with payday loan lenders that are ready and willing to offer your requested amount of money. Brigit does not charge any fee for using its app; however, its service is only available in Iowa. Visit Brigit’s website for more information about how it works.

Empower

If you’re looking for an app that’s best described as Instagram for debt, Empower is what you’re looking for. This app boasts a high-end design, but that doesn’t mean it’ll cost you an arm and a leg. It charges $15 to borrow up to $500 on your iPhone and just 7 percent per transaction. Although Empower has higher borrowing limits than most apps, getting money from Empower can take up to two days after approval. However, its simple form may appeal more to people who want fast cash in their pockets, not in their bank accounts. There are also no credit checks or bank account requirements needed when using Empower — not even for loans of $5,000 or more.

Dave

While many loan apps are designed for those with bad credit, Dave is designed specifically for people who need fast cash — as in, as soon as possible. That’s because Dave’s decisions are based on one factor only: your income level. While there’s no hard cutoff, generally you’ll be approved if you earn at least $800 per month, which they verify through an automated system that looks at your bank accounts and employment details. For those with bad credit or few other options, it’s not just affordable — it’s fast too.

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MoneyLion

Whether you’re trying to secure an emergency loan in case of car trouble or a medical bill, or you just need cash in a pinch, MoneyLion is here for you. With our easy-to-use app, there’s no need to visit a payday loan store or physically go anywhere else. It’s fast and secure — and it can even save you money on your utilities and smartphone plan if you have enough positive account activity. If you are worried about securing short-term loans with your credit score, MoneyLion can help out by giving small loan amounts based on borrowers’ bank accounts and income from employers’ paycheck directly into their bank accounts.

LoanSolution

When looking for fast cash in between paychecks, you’re bound to have questions. Fortunately, there are plenty of apps out there that can help you get approved and make payments. LoanSolution is an instant app that can connect you with multiple lenders in minutes and has an easy-to-use interface. With LoanSolution, users can apply for loans online and in seconds will receive offers from lenders based on their creditworthiness. After choosing one loan offer, applicants fill out basic personal information like employment status and bank account information (for direct deposit). Loan money up to $1,000 at a time until your next payday; make payments using direct deposit or upload cash into your account via other available transfer methods.

Benefits and Drawbacks of Using a Payday Loan App

There are many benefits and drawbacks of using a payday loan app. The most obvious benefit is that you will get instant money when you need it, often within 24 hours or less. The drawback, of course, is that your interest rates are quite high and you might find yourself paying hundreds of dollars in interest alone — not including the principal. However, if you don’t have any other options, and you need cash now — there aren’t many other better ways to go about getting it! (Note: Check out Consumer Finance Protection Bureau for more information on payday loans.)
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