1) Earnin — Earned Wage Access / Cash Out

Quick summary: Withdraw wages you’ve already earned before payday — no mandatory interest; small transfer fees may apply for instant delivery. :contentReference[oaicite:0]{index=0}

What it does

  • Lets you access a portion of your earned wages before payday (Cash Out / Cashout). No required interest; optional tips and instant transfer fees may apply. :contentReference[oaicite:1]{index=1}
  • Designed for hourly and salaried workers who want short-term cash without a formal loan.

Typical limits & speed

  • Daily limits and per-pay-period caps (example: up to $300/day, max per pay period varies by employer/profile). Instant transfers may charge a small fee. :contentReference[oaicite:2]{index=2}

Who should use Earnin?

  • People who have already earned wages and need a small advance before payday.
  • Those who want to avoid traditional payday loans and credit checks.

Docs / Requirements

  • Link your bank account, provide work hours verification (time tracking or paystubs depending on setup).

2) Dave — Cash Advances & Banking

Quick summary: Offers interest-free advances up to a cap, with optional faster transfer fees and membership features. Note: Dave has faced regulatory scrutiny and consumer enforcement actions — check current terms. :contentReference[oaicite:3]{index=3}

What it does

  • Provides small cash advances (often up to a few hundred dollars) against expected income, and also offers checking and banking features. :contentReference[oaicite:4]{index=4}

Limits & fees

  • Typical advance limits vary (e.g., $100–$500); optional express fees for instant delivery. Recent regulatory complaints have raised concerns about advertised max amounts vs. actual availability. :contentReference[oaicite:5]{index=5}

Who should use Dave?

  • People who want a simple banking+advance app, but read the fine print and watch for possible fees or limits that differ from ads.

Docs / Requirements

  • Link a bank account, verify identity; direct deposit can increase eligibility for larger advances.

3) Brigit — Small Cash Advances & Budgeting

Quick summary: Brigit offers instant cash advances (small amounts, typically under $250), budgeting tools and optional credit-builder features; no credit check for advances. :contentReference[oaicite:6]{index=6}

What it does

  • Instant cash advances to cover shortfalls, plus budgeting and “credit builder” options to help establish positive payment history. :contentReference[oaicite:7]{index=7}

Limits & fees

  • Advance amounts are small (average advance often under $100; up to ~$250 in many cases). Brigit promotes no late fees on some advances depending on plan. :contentReference[oaicite:8]{index=8}

Who should use Brigit?

  • Users who need tiny, short-term help and want added budgeting tools rather than a big personal loan.

Docs / Requirements

  • Bank account linking and identity verification; no hard credit pull for basic advances.

4) MoneyLion — Instacash, Personal Loans & Financial Tools

Quick summary: MoneyLion’s Instacash provides earned-wage style advances and 0% short advances in some cases; the app also offers marketplace personal loans and subscription features. Watch for fee structures and recent regulatory scrutiny in some states. :contentReference[oaicite:9]{index=9}

What it does

  • Instacash advances, personal loan marketplace (wide APR range), banking, investing and credit-builder products. :contentReference[oaicite:10]{index=10}

Limits & fees

  • Instacash can be 0% in some offers but optional turbo fees or tips for fast funding may apply; marketplace personal loans APRs vary widely (examples listed by MoneyLion). Regulatory actions have questioned effective APRs for some advance fees. :contentReference[oaicite:11]{index=11}

Who should use MoneyLion?

  • Users who want a broader fintech suite (advances + investing + credit tools) and who read fees and terms carefully.

Docs / Requirements

  • Bank verification, identity (SSN/TIN), and income/transaction history for larger loans or marketplace offers.

5) Upstart — Online Personal Loans (AI-driven underwriting)

Quick summary: Upstart is a major online personal-loan platform using broader underwriting (education, employment, etc.) to set rates; loan amounts range from about $1,000 to $75,000 with APRs that vary by profile. :contentReference[oaicite:12]{index=12}

What it does

  • Traditional personal loans (not paycheck advances) with an AI-powered model that can approve borrowers with limited credit history. Instant rate checks don’t always hurt your score. :contentReference[oaicite:13]{index=13}

Limits & fees

  • Loan range $1,000–$75,000 (examples); APRs roughly from mid-single digits to mid-30% depending on credit and other factors. Funding can be fast (as soon as one business day after approval). :contentReference[oaicite:14]{index=14}

Who should use Upstart?

  • Borrowers who need a larger, structured personal loan and may benefit from alternative underwriting beyond FICO alone.

Docs / Requirements

  • Personal ID, bank account for funding/repayment, and income/employment details for loan offer accuracy.