10 Apps Like FloatMe – Top Picks in 2022

There are probably times when your monthly income does not go far enough for you, just as it does for me. As a result, you’ve wondered how you can earn enough money to cover your expenses. It’s here where you’ll find apps like FloatMe and others.

What FloatMe A technology for financial transactions gives you access to the earnings you already earned before your next payday and at low costs. Another advantage is that there aren’t any credit checks to be conducted. Other alternatives of FloatMe comprise Dave, Earnin, and Brigit.

Like other apps, FloatMe helps keep an eye on your finances and can help you make more informed financial choices. They also help you manage and save your money and avoid falling into overdrafts. They also help you pay your obligations in time and give you an early start on your income.

Therefore, if you want to learn alternatives to FloatMe, make sure you continue reading.

10 Alternate Apps Like FloatMe

1. Dave


Dave is probably the most suitable alternative to apps such as FloatMe. As with the majority of these apps, Dave is accessible on the two platforms of iOS and Android. With this application, you can sign up for an account, log in quickly and gain immediate access to a 100-dollar advance that will help you pay for the cost of any expenses that you are unable to pay.

Starting getting started with Dave is simple. All you need to provide is your phone number, email address, and personal details, including a low-balance alert. If you want to apply for the money you need, two options are available: standard and express financing. The first option can last up to three days, while the latter can be completed on the same day, however, with a minimal cost.

It is also equipped with great financial tools that will help you enhance your financial health overall. It has financial instruments and predictive alerts to ensure that you are in control of your finances and not vice versa. It lets you organize both your recurring and future expenses. They include utilities, rent and even food purchases at restaurants.

Alongside helping you manage the money you already own, the application comes with a feature to help you discover additional opportunities to earn extra income, like side jobs and opportunities to make money. There are many work-from-home or remote jobs following what you like most.

The best part of what is also remarkable about Dave the credit card is that it doesn’t mean your history isn’t examined, nor is your payment information submitted by credit agencies. Additionally, there is no charge for interest on loans you make. Instead, the app solicits tips on an optional basis. However, there is a monthly cost of $1.

2. Earnin


Erin is an excellent app that lets you access your cash to pay for your completed work. Similar to others, this app will give you money without waiting until payday arrives. Like Dave and many others, This app doesn’t charge interest but instead asks its users to provide optional tips.

To use Earnin the program, you must have a regular pay period which means that workers who earn a wage aren’t likely to be eligible. Also, you’ll need an account with a bank and a mobile phone. Then, you will connect to your bank account as you provide the details of your employment and personal information.

If your paycheck comes in, it will be deducted by the app from the amount you have earned. At first, you’re only permitted to withdraw one hundred dollars for each pay cycle, but as you utilize the app, you’ll eventually be able to take up to $500 ahead of your salary.

Similar to most of these apps, the idea of having access to your funds should be done in the event of an emergency and not regularly. This is an excellent option for those who occasionally require that extra cash and can repay it and even cover the expected costs.

The application requires access to your bank account information to transfer funds directly to your bank account, alter your withdrawal limits and help you maintain prudent financial habits.

3. Brigit


This app is an excellent alternative to FloatMe since it can help you manage your finances with tools for budgeting and provides you with access to your money from your paycheck. The amount you’re able for advance payments varies based on your income; however, in the ideal, you could access as much as $250.

The loan is accompanied by no interest and is credited to your account immediately if you are enrolled in the Plus Membership so that you don’t reach the limit of your account being overdrawn. In addition to this unique way of keeping you on the right track, there are also options to aid you in finding an additional job or allow you to make extra money at any time.

It has a scoring mechanism in the app. To be eligible for Brigit Plus, it is necessary to be required to attain a Brigit score of at least 70. Similar to other apps, when the money is in your bank’s account, they will subtract your borrowed amount. However, it comes with a clever feature that will notify you the day before a business day ahead.

If you are able and want to make the repayment before the date of your payday, you can make it happen by pressing the “repay now” button. In addition, if you’re sure that you’re not likely to be able to repay the loan, then you can prolong the deadline to help to avoid entering your overdraft. After you’ve completed the payment, you’ll be allowed to make another loan.

As stated, payday cash advances have no charges for interest. However, if you want to purchase an upgrade version of the service, you’ll have to pay the monthly cost of $9.99. You’ll enjoy other features, including immediate deposits, auto-advance, and other features.

4. MoneyLion


Like Brigit, MoneyLion is there to help you get out of financial binds between your paychecks. It has two main advantages that it provides. One is the capability to get a portion of your pay for at least two weeks before your payday. This is possible through an account with the RoarMoney account.

The other reason is that it gives small loans with no interest.

Additionally, there is the option of Instacash. It can help users receive up to $250 at any time and at no cost. The best part about it is that there are no additional fees for membership that come with the service. The only price you’ll be charged is a transaction charge for any accelerated transfers. Funds.

The app does not just help you when you require borrowing funds and allows you to build up savings and investments. It’s a prestigious mobile banking application that automates investing and personal finance, letting customers take control of their finances. There’s also no minimum balance you have to maintain, and there’s no charge at the 55,000 ATMs in the United States.

To establish an account, you have to be 18 years old and have an account with a bank, whether prepaid or a debit card. Also, you have to be a permanent resident of the United States and have a Social Security Number. Once you have that, you’ll be able to log in and access the application.

There are no-cost services available like Instacash advances and a monthly Credit Builder Plus subscription payment, which costs $19.99 monthly. Credit Builder Plus membership Credit Builder Plus membership allows applicants to request a credit-building loan. You’ll need to submit specific details for this credit; and it has an annual term of 12 months, and the repayments are made every month.

5. Chime


Chime is a financial technology platform that hails from America and offers its customers the app known as SpotMe. The app is mobile banking and does not charge a cost. This means you will not pay monthly fees, be required to pay for a minimum balance or incur foreign transaction charges.

In comparison to other apps, what’s unique in this application is that you will be provided with a Visa debit card. It will also allow you to use an online bank platform accessible through iOS and Android mobile. The SpotMe feature offers customers the opportunity to overdraw their accounts up to a maximum amount of up to $200, and the best part is that you will not be charged an overdraft cost.

The SpotMe allowance you receive will begin at around $20. It will increase to $200. This depends on your history with the account, the direct deposit amount and frequency, and your spending habits.

Like other apps, this one also offers an automatic deposit option that lets you access your payment in the mail up to 2 days ahead of time. Payday loans on this app have an amount limit of $200. As with most other apps, it will take the amount once your payment is received.

So what are you required to do to be qualified for this? First of all, you must be at minimum the age of 18. It is essential to possess the identity of an American citizen. You will also be required to give your full name and Social Security Number. In addition, you’ll be required to log in to your email account with a security code to get access.

6. PayActiv


PayActiv is a cash advance application that allows you to access the money you’ve worked hard for without any hassle. It means you’ll be able to access the funds you’ll require. This is ideal for those who aren’t waiting until your payday.

Individuals who are often at a point where they’re in the middle of a financial crisis will be benefited from this application. The concept is simple, and, like many other payday loans, it’s just deducted when your paycheck comes into your account.

The app takes pride in being a Public Benefit Corporation and helping individuals gain control of their financial wellbeing. The app collaborates with businesses to give employees access to the money that has been earned but is not yet paid. The app will get the employer’s reports on the hours you worked and then make the appropriate payments.

The app is loaded with valuable features, including budgeting tools, saving methods, and financial health measures. All that is required of the user, unlike the other applications, is that you be at minimum 16 years old and receive a regular salary. In terms of the amount you can access, it will be decided per the employer’s settings.

What are the reasons to make use of this application? It is the first reason. It does not charge fees on loans and does not have to pass credit checks. It also sets a minimal cost to access your wages and instant access to your earnings.

7. Current


Current is a bank account that is only accessible via the mobile app. The principal reason behind the application is to aid users in adopting more efficient spending habits and help users save money, especially on charges.

Current is a no-cost app intended for people who want to use the basic features; however, there is the option of upgrading. There is a $4.99 per month subscription fee. However, what’s great about the app is that it gives you a trial period of 30 days, and after that, you can choose which plan you’d like to stay with.

Like other apps, you can access funds you already have earned and access the funds up to two weeks before the actual payment. This might not seem like a lot of time; however, when finances are limited, two days could feel like a lifetime for certain people.

Another great benefit that this app provides is an overdraft option that can be up to $100. It’s entirely free, which is not the service you can get from traditional banks. Another feature unique to the app provides is the possibility of reclaiming gas hold credits that you can accumulate each time you stop at a gas station. The funds will be available for immediate use.

8. Possible Finance

Possible Finance

Possible finance gives you small-scale instalment loans that can aid in building your credit score. In addition, it also gives you financial tools. This app, unlike other applications, will report your credit card payments to reputable credit agencies, so you can be recognized for paying your bills on time.

The app is an alternative to conventional financial institutions, as well as payday loans that are offered through other applications. Typically, these loans are limited in duration and have the cost of a large amount, and will be paid back on the date of receipt of the payment. However, this isn’t the situation in the case of Possible Finance.

With the possibility of finance, You are offered up to 8 weeks to pay back the loan. This is in biweekly intervals. To request the loan, it is possible to do this through the app, and all you have to do is give them your bank details (with a minimum monthly income of $750) along with your ID number and your Social Security Number.

Before requesting loans from them, you need to be sure they can be used with the credit union or bank because it is not compatible with all banking institutions. If it’s consistent, you are able to apply, and you’ll hear within 24 hours whether or not it was accepted.

If you are repaying this loan, you may make the payment without charges if you wish to make the payment before the deadline. If you discover that you won’t be able to complete all payments on time, you can modify the date of repayment without additional costs. Specific locations could be subject to an interest rate and a monthly fee; however, the APR will likely be less than most payday lenders.

9. MyPayNow

MyPayNow is a reasonably innovative alternative to FloatMe, allowing users to receive their wages within the next day. Contrary to other applications, This one can offer you up to 25% of your wages and will enable you to order the money at any time. A further benefit of this application is that employers don’t need to sign up through the app to allow employees access to the funds.

The app boasts of providing you with pay-on-demand, and there are no restrictions on how many requests you are allowed to make in a pay cycle. You can request just $50 or even one-quarter of your salary. Plus, you can have the money there within as little as 60 minutes.

It’s quick and straightforward. All you have to do is enter your details and answer a couple of questions about your work. After that is done, the artificial intelligence software will calculate the percentage of your salary you’re qualified to get access to in the early stages of the application.

Similar to other similar applications, the funds that you have accessed are debited from your next paycheck. Then the process, the MyPayNow amount will reset, and you’ll be able to take advantage of the next pay advance whenever you require it.

There are no hidden costs. The amount they’ll take out is disclosed to you in advance. One thing to be conscious of, and keep an eye out for on other apps, is the minimum repayment percentage. With this app, you will be charged the cost of 5% on the amount you borrowed.

10. Klover


Klover is a fantastic finance app that gives cash advances with no interest on funds you already earned. Various options are available, including overdraft protection and insight into your expenditure habits. If you’re able to put off accessing your funds, you can get your money sooner but at a less frequent rate.

If you want your money to be transferred quickly, you can pay the possibility of a fee.

You may apply for a cash loan that typically will take between one and two business days. However, if you need the money to pay for your expenses, you may have it transferred on the same day with a charge. This cost could be from $1.99 up to $14.99.

There is an upper limit to the amount you can borrow, and that’s $100. But, you can increase the limit by using the points system in the app. Points are earned through frequent usage of the app. They can be used to purchase the benefit of a Boost.

It is necessary to download the application, and you’ll be registered in a matter of minutes once you’ve submitted your personal information. It is then time to connect your bank account to verify your payment. You’ll need to wait between one and two days until your account is confirmed, but after that, you’ll be able to access the app and its features that will assist you in maintaining your financial health.

However, it is vital to be aware of the following conditions and that your bank statement’s pay description must be in line with the previous paychecks you have deposited. You must have made a minimum of three consecutive deposits in the past two months, and your earnings schedule should be bi-weekly or weekly.

How Does FloatMe Compare?

FloatMe is perfect for occasions when you need to stay clear of overdraft charges. It’s only $1.99 per month. It is possible to be eligible for an advance if you have at minimum three direct deposits of 200 or greater.

But the 50 dollars isn’t enough to provide for most emergencies. In some instances, new customers may be able only to get an initial advance of $10. Add the fee of $4 to receive the advance immediately, and it’s a quick way to add.


  • $1.99 per month is less than the majority of
  • Includes overdraft alerts
  • Does not require a higher income than other cash advance applications.


  • Instant delivery costs $4
  • The maximum advance is just $50
  • can’t extend the due date


There are many options to provide you with that amount of assistance in times of need. Most of us have faced a minor financial issue that could quickly escalate into a severe crisis. And for those who live from pay to pay, the situation has probably occurred more than once.

So I’ve put together this list of the most effective payday, cash advance, and banking apps like the FloatMe app. Each app has its pros and cons, and it’s recommended to read through the finer details before jumping into the app and making a quick decision.

While these apps could help ease financial pressures in the short term, you don’t wish to be stuck in a perpetual loop of taking out loans and repaying. We recommend that you use the financial tools offered by these apps, which can help you with issues like saving and managing your money.

A healthy financial state can make a huge difference and greatly assist in reducing the financial strain.

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