An app on an iphone.

4 Apps That Advance You Money Before Payday

Do you ever need some extra cash before your next payday? Maybe you have bills to pay or want to grab something special for yourself or your family. Well, you are in luck because there are apps out there that can help you get the money you need right when you need it! Let’s take a look at four amazing apps that can advance you money before your payday.


  1. Earnin
    Earnin lets you access money you’ve already earned but haven’t been paid for yet. You simply connect your bank account and enter your employment information in the app. Then, you can withdraw up to $100 per day or $500 per pay period. You decide how much you want to withdraw and there are no fees or interest charges!
  2. Dave
    Dave is like a friendly financial friend in your pocket. It can predict when you might run low on funds and offer you a cash advance of up to $75 with no interest and no credit check. Dave also helps you budget and alerts you when your account balance is getting low. Plus, it has a feature that lets you tip if you’re feeling generous!
  3. Brigit
    Brigit is another helpful app that can give you up to $250 before your next paycheck. It analyzes your spending habits and income to determine if you’re at risk of overdrawing your account. If it sees that you might need help, it automatically transfers money to your account to prevent overdrafts. You can also request advances manually if you need extra cash for something special.
  4. Chime
    Chime is not just a banking app, it’s also your financial best friend. With Chime’s SpotMe feature, you can overdraft up to $200 on debit card purchases without any fees. That means you won’t get charged those pesky overdraft fees that traditional banks love to hit you with. Plus, Chime helps you save money with automatic round-ups on your purchases!

These apps are like superheroes for your wallet, swooping in to save the day when you need them most. Remember, though, it’s important to use them responsibly and only take out what you truly need. They’re here to help you manage your money better, not get you into more financial trouble.

How Do These Apps Make Money

Are you wondering how these apps like Dave and Earnin can give you money before your payday? It might seem like magic but these apps have clever ways to make money too! Here is how they do it.

  1. Tips
    Imagine you’re at a restaurant, and you really like the service. What do you do? You might leave a tip, right? Well, with apps like Dave, you can leave a tip if you’re feeling extra grateful for the help they give you. Those tips can add up and help the app make money.
  2. Membership Fees
    Some of these apps offer special features or perks if you become a member. They might charge a small fee each month or year for these extra goodies. This is like paying a little bit to get some cool stuff in return!
  3. Partnerships
    Apps like Earnin might team up with other companies. These companies might pay the app to reach their users with special offers or discounts. It’s like when your favorite superhero teams up with another hero to fight the bad guys, they both benefit!
  4. Interest on Advances
    While many of these apps don’t charge interest on the money they give you, some do. They might charge a small fee or interest if you can’t pay back the money on time. This helps them make money while still helping you out when you need it most.
  5. Data and Insights
    Sometimes, these apps collect data about how you use them. They might use this information to learn more about their users and how they can improve their services. Companies might even pay for this data because it helps them understand people better.

So, while these apps might seem like charity, they are anything but. Their goal is to make money just like any other company or website.

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James Car is a finance, loan and budget expert based in the United States. After attending Brookhaven college, he went on to become a successful entrepreneur. He now enjoys writing articles that help people save and make the most of their money.