9 Apps Like Albert for Small Cash Advances in 2024

Life has a funny way of throwing us curveballs. Apps like Albert can help when you can’t make ends meet. You’ll get access to small amounts of cash to cover your shortage without getting buried in high interest rates and fees.

Albert is an app that most people think of for cash advances, but other apps offer additional features and benefits you may want to consider.

Fortunately, there are many options to get the cash you need to cover you until your next payday and personal finance assistance without the hassle you might receive using Albert.

9 Apps Like Albert

Here are the best apps like Albert you can start using today:

  1. Chime: up to $200
  2. Dave: up to $500
  3. MoneyLion: up to $500
  4. Cleo: up to $250
  5. Klover: up to $200
  6. Empower: up to $250
  7. Earnin: up to $100 daily
  8. Brigit: up to $250
  9. Possible Finance: up to $500

1. Chime

Chime is a lot like the Albert app as it offers a cash advance option and many personal finance features to improve your financial situation. Members can access up to $200 and have access to the following personal finance features:

  • Free Debit Card: Link your debit card to your current checking account or open a Chime Spend account and have access to 60,000+ fee-free ATMs
  • Credit Builder: The Credit Builder card is a secured Visa credit card with a credit line equal to your deposit. Use the secured balance to make your payments on time, and Chime reports the payments to the credit bureaus.
  • Chime Checking Account: The Spend account is held at a partner bank, allowing you to set up direct deposit or use your Chime debit card for purchases.
  • Savings Account: The Chime high-yield savings account pays 2.0% APY on all balances.

How It Works

The Chime cash advance works a little differently than most apps. First, subscribers get a credit line of up to $200. Most users start with $20 and work up to a higher limit with timely repayment.

The SpotMe program covers debit card purchases and cash withdrawals. The service is free, but they ask for tips when you use it to keep paying it forward for other members.

When you overdraft your account or are in danger of it, the SpotMe program automatically transfers funds from your line of credit to cover it. This way, you avoid an overdraft and can repay the amount used on your next payday.

To qualify for the SpotMe program, you must have direct deposits of at least $200 in your Chime account and activate your Chime debit card.

2. Dave

Dave doesn’t offer as many personal finance features as other apps like Albert, but for many users, it’s just what they need. Dave offers advances up to $500, but you must qualify to receive them, and most users start much lower.

Dave also offers helpful features, so you don’t need advances in the future. Their top two features include:

  • Budgeting: Dave tells you how much money you can safely spend and which bills to expect coming up. The idea is to stop you from overspending and needing cash advances, except in emergencies.
  • Side hustles: Dave also offers a feature that matches you with side hustles to make extra money. It finds local side hustles and online opportunities, such as paid surveys and phone work you can do from home and make extra cash.

How It Works

Like the Albert app, you must have a linked checking account you’ve owned for at least 60 days. However, you must also have at least $1,000 deposited monthly and proof of three recurring direct deposits from your employer.

Dave’s cash advance limits, called ExtraCash, change daily. It checks your information nightly and refreshes your daily cash advance limits at midnight. Like Albert, you repay your advance the following payday; however, Dave allows extensions if you ask and for no fees.

It takes a couple of days to get the transfers from Dave, but if you pay a small fee, they’ll transfer the funds instantly.

3. MoneyLion

MoneyLion operates a lot like Albert with its personal finance features; however, MoneyLion also offers options for credit building, and they help members locate beneficial financial offers.

Like the Albert app, new users may have access to up to $25; however, if you link an external bank account with direct deposit, you may get up to $500.

How It Works

To get cash advances, you must have a checking account open for at least 60 days with regular direct deposits from an employer, and the account must have never had a negative balance. To start, tap the request button and request the amount you need. You’ll have an answer instantly.

MoneyLion offers the following features:

  • RoarMoney: This mobile banking app offers early access to direct deposit funds, debit card rewards, and cash advances of up to $1,000. You can also set up roundups to automatically save your spare change, get refunds if you find a lower price on something you paid with your MoneyLion debit card, and earn cashback on purchases.
  • Instacash: The cash advance feature of MoneyLion offers up to $500 cash advances with a linked checking account. You can get free standard delivery or pay a small fee for an instant transfer.
  • Credit Builder+: This credit builder loan helps you build or repair credit. Unlike most credit builder loans, you can access a portion of the loan’s proceeds before paying it off. You also have access to your credit score, credit-building tips, and access to up to $300.
  • Investing: Automatically invest your money and create a fully managed portfolio with no minimums or monthly fees. You can personalize your portfolio and make changes, including deposits or withdrawals, at any time.

4. Cleo

Cleo is a cash advance app like Albert, for millennials. It feels more like a social media feed than a personal finance app.

Cleo offers lower advances of up to $250 when you need it, but they offer other personal finance features too, including the following:

  • Budgeting: Get help creating a budget that works for you, not against you. Get a clear picture of your goals’ progress, how much you’ve saved, and how much is due.
  • Savings: Cleo helps you save, even if you’ve never had luck. They include things like ‘swear jars,’ ‘round ups,’ and ‘set it and forget it’ savings tactics.
  • Credit Building: If you need to build or repair credit, the credit builder card (a secured credit card) may help you build better credit.

How It Works

To access Cleo’s features you must pay a $5.99 subscription fee. Like the Albert app, they don’t do credit checks to qualify. Instead, they use an algorithm that determines if you are eligible.

They don’t have specific requirements like Albert, such as how long you must have your checking account open, but they look for negative balances, excessive withdrawals, or lack of direct deposits.

Receiving the advance may take a little longer from Cleo, even the instant transfers you pay a fee to get. However, most people get instant transfers within 24 hours, and standard delivery can take three to four business days.

5. Klover

Klover offers cash advances of up to $200 and a suite of financial tools to get you back on track. What’s interesting about Klover is they offer unique ways to boost your cash advance opportunities. For example, while your checking account and income are the main determining factors, you can increase your cash advance allowance by earning points for taking surveys or watching ads.

Klover also offers robust budgeting options that can earn you more points if you do it right. Budgeting tools include spend and save goals and credit score tracking. As a bonus, you’ll earn more points and increase your cash advance limits if you save money.

Klover offers a monthly outlook that puts your income and spending into perspective, allowing you to see your spending percentages for previous months to see where your habits should change.

If you’re feeling lucky, you can enter their daily sweepstakes to win $100 daily.

How It Works

To get cash advances from Klover, you must link your checking account and receive direct deposit from your employer. Once you’ve received at least three direct deposits, you may qualify for an advance with no credit check.

You’ll repay the advance on your next payday without interest or fees.

6. Empower

Empower is an app like Albert that offers other personal finance features to help you reach your financial goals.

Empower offers cash advances up to $250 without a credit check or interest charges. If you open an Empower Card, a debit card with no fees, you’ll receive your advances instantly and can access your direct deposit up to two days early. You’ll also have access to 40,000+ fee-free ATMs and be able to earn cashback on purchases made with the Empower Card.

Other features Empower includes are:

  • Automatic savings – Empower will automatically send ‘safe’ money to your savings account to help you reach your financial goals.
  • Budgeting – Get help creating a functional budget and alerts when you’re off-budget.
  • Smart recommendations – Empower will review your spending and savings habits and offer recommendations to help you spend less and save more.

How It Works

An Empower subscription is free for the first 14 days; then, members pay an $8 monthly subscription.

To get cash advances, request the amount, and if approved, you’ll receive it instantly on your Empower card or within a few days in your linked bank account. Like most cash advance apps like Albert, the amount you can get varies based on your financial history, including the following:

  • Bank account history, including the balance
  • Amount of direct deposits and their consistency
  • The length of time you’ve received the same direct deposit

7. Earnin

Earnin is less of a cash advance app like Albert and more of an app that offers early access to your paycheck. Earnin believes you should have access to the money you’ve earned rather than waiting for payday.

With Earnin, you can access up to $100 of your earned income daily, with a maximum of $750 per pay period.

In addition to early access to your earned funds, Earnin offers a program called Balance Shield. This program monitors your linked bank account, letting you know when its balance is lower than your threshold. You can also set up automatic cash outs (early access to your earned funds) to increase your balance.

How It Works

Unlike the Albert app, Earnin works with your employer, so you must provide information about your employer and bank account to receive early access to your earned funds.

However, like the Albert app, Earnin connects directly to your bank account, so the funds go directly to it when you request them. Like most cash advance apps like Albert, receiving your funds takes two to three business days. However, you can request a Lightening Speed transfer for a small fee and receive the funds instantly.

Earnin’s fee structure is also a little different. They don’t have a set monthly fee. Instead, they ask subscribers to ‘tip’ them when they use the service.

8. Brigit

Brigit is very similar to the Albert app. They offer advances of up to $250 and a large selection of personal finance features to help improve your financial situation.

Brigit’s personal finance features include the following:

  • Credit builder account – The credit builder loan is a 24-month loan with the loan proceeds locked in a deposit account. You make payments toward the loan, and any remaining funds due get deducted from the loan balance. Brigit reports the payments to the credit bureau to help you build good credit.
  • Credit Protect & Secure – Get access to full credit reports and information about identity breaches to protect yourself. It also includes up to $1 million in identity theft protection.
  • Financial insights – Get a clear picture of your spending and savings, and find ways to improve your budgeting.
  • Find jobs and side gigs – Brigit helps you find ways to make more money to get your finances on track.

How It Works

To get a cash advance of up to $250, you’ll need an active checking account open for at least 60 days, an ongoing positive balance, and three consistent direct deposits from your employer.

Like the Albert app, there’s no credit check, interest, or fees. The loan is due back on your next payday, but if you can’t pay it, let them know, and they’ll extend it for no fees.

It takes a few days to receive the funds, but like most other apps like Albert, you can pay an instant transfer fee and have the funds in minutes.

9. Possible Finance

Possible Finance calls itself the payday loan alternative. They offer advances of up to $500; like the Albert app, they don’t charge interest. However, Possible Finance charges a fee that varies by the loan amount and state in which you live, but the average cost is $15 for every $100 borrowed.

How It Works

Possible Finance works a little differently. Instead of paying back the total amount borrowed on your next payday, you repay the loan over four installments over eight weeks. In addition, they have a 29-day grace period and offer the option to adjust your payment dates if necessary.

Possible Finance does a soft credit pull. They claim it’s not to determine if you qualify for the cash advance. Instead, it’s for identity protection and to prevent fraud. A soft credit check doesn’t show up on your credit inquiries and doesn’t affect your credit scores.

Frequently Asked Questions

Cash advance apps like Albert help you in a bind, but are they worth it?

How fast do apps like Albert work?

Most cash advance apps like Albert offer an instant transfer option, giving you the funds within minutes. Unfortunately, this service isn’t free, so try doing a standard transfer and waiting two to three business days to get the funds if possible.

Is a payday loan better than using apps like Albert?

Payday loans are usually worse than cash advance apps like Albert because they charge interest and fees. Most of these apps don’t charge interest; their fees are typically a monthly subscription fee for the app and/or an instant transfer fee.

How is Albert different from other cash advance apps?

Albert offers more than cash advances. The super finance app helps members save, budget, and invest money to reach their personal finance goals.

Do any of these apps like Albert help me build credit?

Some cash advance apps like Albert offer a credit builder loan or credit card. These loans are secured loans, with your deposit used as collateral. In addition, your payments are reported to the credit bureaus to improve your payment history and credit mix.

How do you qualify for apps like Albert?

Most apps like Albert require an active checking account, proof of direct deposits, and a positive banking history. Of course, each app has unique qualifications, too, but at a minimum, you must prove you have a checking account with active income.

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