Earnin allows users to access their earned wages before their scheduled payday. Users can withdraw up to $100 per day and up to $500 per pay period. Through the app, users can also tip what they think is fair for the service.

The app works by connecting to the user's bank account and tracking their hours worked. It does not charge traditional fees or interest. Instead, Earnin operates on a "pay what you think is fair" model, where users have the option to tip for the service provided.


MoneyLion is a financial platform that aims to empower its users through various tools and resources. With features like personalized financial advice and credit building assistance, MoneyLion strives to promote financial literacy and wellness among its users. The platform also offers rewards for positive financial behaviors, incentivizing users to make smart money decisions.

In addition to its educational resources, MoneyLion provides access to a range of financial products, such as personal loans, savings and investment accounts, and a mobile banking platform. Through its all-in-one platform, MoneyLion seeks to simplify the financial management process for its users, making it easier for them to achieve their financial goals and improve their overall financial well-being.


Branch offers a user-friendly platform for those seeking quick access to funds between paychecks. Users can connect their bank account and receive cash advances of up to $150 per day or up to $500 per pay period. With no interest or fees, Branch aims to provide a convenient and flexible financial solution to help individuals cover unexpected expenses.

Additionally, Branch provides users with insightful budgeting tools and personalized financial tips to help manage their money effectively. Through its easy-to-use mobile app, users can track their spending, set savings goals, and receive notifications to stay on top of their finances. By empowering users with financial education and resources, Branch strives to promote financial wellness and stability.


Brigit is a financial wellness app designed to help users avoid overdrafts and late fees by providing early access to earned wages. By connecting to the user's bank account and monitoring their spending habits, Brigit can predict and prevent potential financial shortfalls. This proactive approach aims to alleviate financial stress and promote responsible money management among its users.

One unique feature of Brigit is the option for users to request an advance on their upcoming paycheck if needed. These advances are interest-free and can provide a much-needed cushion for unexpected expenses or cash flow gaps. With a transparent fee structure and focus on empowering users to take control of their finances, Brigit strives to offer a convenient and reliable solution for short-term financial needs.


Chime offers a streamlined approach to personal finance management, providing users with features that promote effortless saving and spending. With a user-friendly interface, Chime allows individuals to easily set up savings goals and track their progress in real-time. The automatic round-up feature further encourages saving by rounding up everyday purchases to the nearest dollar and depositing the spare change into the user's savings account.

In addition to its savings tools, Chime stands out for its early direct deposit feature, which gives users access to their paychecks up to two days earlier than traditional banks. This can help individuals better manage their finances by receiving their funds sooner and avoiding late payments or overdraft fees. Chime's fee-free structure and lack of hidden charges make it an attractive option for those looking to simplify their banking experience.


Even is a financial technology company that aims to help users balance their finances by providing tools for budgeting and saving. The app analyzes the individual's income and spending patterns to predict upcoming bills and expenses. By having this foresight, users can better plan and manage their money to avoid overdrafts and late fees. Additionally, Even offers an Instapay feature that allows users to access their earned wages before their payday, providing a safety net for unexpected expenses or financial emergencies.

In addition to its budgeting and payment prediction features, Even also offers a feature called "Okay to Spend," which helps users track their available funds after accounting for upcoming bills and expenses. This real-time information gives users a clear picture of their financial health and helps them make informed spending decisions. Furthermore, Even's partnership with employers allows for seamless integration with payroll systems, making it easy for employees to access their wages early and stay on top of their finances.


Albert is a financial wellness app that aims to help users improve their financial habits and achieve their money goals. The app provides features such as budgeting tools, savings recommendations, and personalized financial advice to assist users in managing their finances more effectively. Additionally, Albert offers a cash advance option called Albert Instant, allowing users to access a portion of their paycheck before payday to cover unexpected expenses or cash flow gaps.

With a focus on transparency and simplicity, Albert does not charge any hidden fees or require a minimum account balance. Users can link their existing bank accounts to the app for a holistic view of their financial situation, making it easier to track spending, set savings goals, and receive actionable insights to improve their financial well-being. By offering a comprehensive suite of financial tools and resources, Albert empowers users to take control of their finances and make more informed decisions about their money.


Affirm is a financial technology company that allows consumers to make purchases online and pay for them later in fixed installments. Founded in 2012, the platform aims to provide consumers with a transparent and flexible way to budget their expenses. By partnering with various merchants, Affirm offers users the option to split their purchases into easy monthly payments, helping them manage their cash flow effectively.

The company differentiates itself from traditional credit cards by offering straightforward terms and no hidden fees. Affirm also conducts a soft credit check on users, which does not impact their credit scores, to determine their creditworthiness. By providing consumers with the ability to pay for their purchases over time, Affirm aims to empower individuals to make informed financial decisions and avoid falling into debt traps.


Varo is a digital bank that offers a range of financial services to help users manage their money more effectively. With Varo, you can access a checking account with no monthly fees or minimum balance requirements, making it a convenient option for those looking to avoid traditional bank fees. In addition to basic banking services, Varo also offers tools to help users track their spending, set savings goals, and build their credit score.

One notable feature of Varo is the ability to get paid up to two days early with direct deposit, giving users faster access to their paychecks. This can be particularly beneficial for individuals who need immediate access to funds to cover expenses or emergencies. Varo also provides overdraft protection through a feature called Varo Advance, which allows eligible users to access up to $100 in case of an emergency without incurring overdraft fees.


DailyPay offers a convenient solution for employees to access their earnings before payday. This financial wellness platform allows users to receive a portion of their earned wages instantly, providing them with flexibility and control over their finances. By giving employees the option to access their money when needed, DailyPay aims to alleviate financial stress and empower individuals to better manage their expenses.

With DailyPay, users can simply connect their bank account and employer information to easily track their earnings and request funds before their scheduled payday. This flexibility can be particularly beneficial for individuals facing unexpected expenses or needing extra funds for emergencies. By offering this service, DailyPay promotes financial stability and helps individuals avoid resorting to high-interest loans or credit card debt to cover short-term financial needs.