Apps Like Dave and Earnin: 5 Great Alternatives

Dave and Earnin are two of the most popular cash advance and payday loan apps on the market.

They are great if you need money before payday to cover expenses.

In this article, we cover cash advance apps like Dave and Earnin, alternatives that could be a complement or substitute to one or both.

Let’s take a look:


PockBox is an online lender that enables you to borrow higher amounts of money than most payday loan apps (up to $2,500).

There is no monthly subscription charge with PockBox. It just requires principal and interest repayments on the loan.

Just ensure that for any loan you take on you read the terms and agree to the interest.

SpotMe by Chime

SpotMe by Chime is a type of next-gen banking app that can provide cash advances and payday loans before your next paycheck.

And best of all, they’re interest-free.

Once you sign up, you will get a free checking account with plenty of good benefits.

There are no fees, including overdraft (within limits).

Members who are eligible for overdraft protection can overdraw up to $100 on debit card purchases without triggering a fee. (Anything more than this will be declined.)

They also provide interest-free cash advances on paychecks up to two days before payday with direct deposit.

Eligibility for SpotMe – SpotMe is only available to US residents age 18+. All Chime members with total monthly direct deposits of $500 or more are eligible for the SpotMe service.


CashNetUSA offers payday and installment loans throughout the US.

Payday loans serve as CashNetUSA’s core business.

Normally, CashNetUSA loans have to be repaid when you receive your next paycheck or direct deposit. But in some states extensions on loans may be accepted.

The rates and terms of loans vary depending on what state you’re from. Accordingly, you’ll have to have a look at CashNetUSA’s website to determine what kind of loan options are available to you and at what rate.

CashNetUSA also doesn’t look at your credit score, so this is a plus for those with lower credit scores, those looking to avoid a credit inquiry (which lowers a score), or those wanting a speedier, more convenient process.

CashNetUSA also doesn’t report loan information to three credit bureaus – Experian, Equifax, and TransUnion. This means your credit score will not be affected by your business with the company.

In turn, this can be a minus for those looking to improve their score by showing responsible borrowing behavior.

HonestLoans app

HonestLoans is a loan aggregator.

This means it’s connected to various different lenders and will, according to your request and qualifications (it has about a 5-minute application process), let you borrow money.

You can ask between $100 and $2,500.

HonestLoans doesn’t involve any monthly fees to help you borrow, unlike other apps like MoneyLion Plus.

But HonestLoans is more one-dimensional. It is a cash advance app and not a more all-around financial planner app like some on the market.

HonestLoans can be a great solution if you need cash quickly.

And just like any app dealing with money, just be aware of the terms and conditions you are agreeing to before you borrow money.


Avant is closer to a more traditional lender. The company is a highly trusted lender in the US – they have issued billions in loans over their history.

The Avant app goes beyond the cash advance and micro-loan focus of some of the others. It will let you borrow anywhere from $2,000 to $35,000 (and as low as $2,000).

Their maximum APR is 36%.

The application process takes about only 5 minutes.

There are no monthly fees associated with borrowing. You will only need to make the monthly principal and interest payments.

If you need larger sums of money beyond basic payday loans and cash advances, Avant may be an alternative worth checking out.

Dave and Earnin Alternatives Recap

Knowing the competition helps you seek out the best products and services for your needs.

In this article, we covered cash advance apps like Dave and Earnin that could make great alternatives to the popular cash advance and payday loan options currently on the market:

  • PockBox
  • SpotMe by Chime
  • CashNetUSA
  • HonestLoans App
  • Avant

Not all are pure cash advance apps. Avant especially is geared toward traditional lending.

All Dave and Earnin app alternatives have their pluses and minuses depending on the individual – whether that be fees, loan amounts, availability by country/state, credit qualifications, and so on.

Consider trying them out for yourself and seeing what works best for you.



Does Dave App Work with Prepaid cards?

With Dave App you can connect various debit and prepaid cards and it should link to your bank account.

What cash advance apps work with Chime?

The following financial apps are similar to Dave and can be connected to Chime.

They offer a cash advance that you can transfer to Chime. However, sometimes to get the cash advance you need to have to have a direct deposit that’s incoming.

At the same time, these apps often offer more than just cash advance and payday loans.

Some of them are similar to Chime in terms of the features they offer. But often they’re just a more basic version of the Chime app.


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