Unfortunately, an unexpected expense can throw any gig worker’s monthly budget out of whack. Access to quick cash is a must, whether it’s an unexpected hospital bill, past due utility bill, or any other small inconvenience. Fortunately, reputable cash advance apps for gig workers like Earnin and Brigit are here to feel the void, complete with generous borrowing limits, 0% interest, same day approval, no credit checks, and all-around awesomeness.
Keep reading to learn more about the best cash advance apps for gig workers, including our top-rated apps, how cash advance apps work, eligibility requirements, and answers to the most frequently asked questions.
Review our marketplace to find the best cash advance apps for gig workers of November 2024.
The best cash advance apps for gig workers offer 0% interest advances of up to $100 per day or $750 per pay period, repayable in two to four weeks.
All cash advance apps operate on a voluntary tip (e.g., Earnin) or monthly membership fee model (e.g., Brigit and Dave).
Cash advance apps are not technically loans, but paycheck advance services that allow you to receive a portion of your earnings before payday, up to two days early (Dave).
Most cash advance apps offer additional services beyond paycheck advances, such as credit building, side job search, built-in stock investing, and identity theft protection.
Expect to pay same-day expediting fees anywhere from $1.99 to $5.99, depending on the cash advance app.
For over ten years, ElitePersonalFinance has helped hundreds of thousands of consumers navigate the highly congested loan industry, recommending only the top loan products and services, including cash advance apps for gig workers.
To compile our guides, we perform hours and hours of research, narrowing down from a large selection of 20+ lending networks to a narrow few based on key criteria, including but not limited to APRs, fee structure, ease of use, online reputation and other key metrics to instill confidence in any lending decision.
Whether you are looking for a quick $200 paycheck advance or a higher dollar bad credit installment loan, ElitePersonalFinance is ready to offer expert guidance from its panel of experts. Have all the confidence in the world ElitePersonalFinance will steer you toward the correct lending decision with expertise on the best cash advance apps for gig workers.
Loan Amount: | Up to $100 per day and $500 per pay period |
APR: | 0% |
Terms: | Repay manually via money order or with your next paycheck |
Fees: | Up to $3.99 per $100 for same-day cash advances (first is free) |
Credit Check: | No |
How to Qualify: | Have a checking account with frequent direct deposits |
Link External Bank Account: | Yes |
Learn More |
With close to 500K positive reviews in the App Store and Google Play stores, Earnin is one of the better-recognized cash advance apps for gig workers like Uber/Lyft drivers and Doordash delivery personnel.
Earnin offers cash out requests of up to $100 per day or $750 per period, the highest borrowing limits of all providers we’ve reviewed. Added features include Balance Shield (automatic money deposits when balances fall below a certain threshold), Cash Back Rewards, and an innovative tipping system that accepts voluntary tips of up to $14 for each cash advance instead of a monthly membership fee like Brigit and Dave.
Need funds fast? Earnin’s Lightning Speed feature allows users to receive cash advances within minutes. It’s a welcome change from the traditional one to two business day turnaround offered by banks, credit unions, and some online lending networks.
Another benefit of using Earnin is its minimum fee structure, meaning no overdraft, insufficient funds, or ATM fees. Not to mention, 0% interest on all paycheck advances. We highly recommend Earnin for its tie borrowing limits, user-friendliness, and quick application process.
Highlights:
Eligibility:
How to Apply: Using Earnin is very simple. First, download the smartphone app, create an account, and provide full employment details, including employer name and pay schedule information. From there, Earnin will determine how much to advance you. After that, you will have the option of same day funding for a small expediting fee or a free 2-3 business day turnaround.
Fees:
Pros:
Cons:
The Impact of Covid-19
Earnin has no specific pandemic assistance or hardship options on its website. However, you may email support@earnin.com for more information.
Loan Amount: | Up to $250 |
APR: | 0% |
Terms: | Repay manually or with your next paycheck |
Fees: | $9.99 monthly membership fee |
Credit Check: | No |
How to Qualify: |
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Link External Bank Account: | Yes |
LEARN MORE |
Like Earnin, Brigit is one of the more popular cash advance apps, offering paycheck advances of up to $250 at 0% interest, repaid with your next paycheck.
One of the main differences between Earnin and Brigit is its borrowing limits and extra features. For a monthly $9.99 membership fee, Brigit users offer additional tools to help manage your finances, including a credit builder, identity theft protection, and budgeting tools for incoming cash flow and expense tracking. Kudos for all of its built-in insights and recommendations to help you save.
All in all, we highly recommend Brigit for its simplicity, easy-to-use app, and excellent reputation, with more than 4M members served to date.
Highlights:
Eligibility:
How to Apply: To get started with Brigit, you must have a checking account with a partner bank, including but not limited to Chase and Wells Fargo. You must also have a regular source of income, directly deposited to your checking account. Once you meet all these eligibility criteria, download the smartphone app and connect your bank account before requesting a paycheck advance.
Fees: