If you’re looking for cash advance apps similar to Cleo and Dave, you’re in luck! In this article, we will explore some of the top alternatives that offer budgeting, saving, and financial management tools to help you take control of your personal finances.
Dave is a popular cash advance app, but it’s always good to have options. Whether you’re looking for features like overdraft protection, flat fees, instant transfers, or AI-driven personal finance tools, we’ve got you covered.
Read on to discover the best alternatives to Cleo and Dave for 2024:
Key Takeaways
- Explore alternative cash advance apps that offer budgeting, saving, and financial management tools.
- Discover apps like Chime, Varo, Empower, Cleo, Albert, Axos, Earnin, and Payactiv.
- Chime provides cash advances and overdraft protection through SpotMe.
- Varo offers cash advances with flat fees and a range of online banking features.
- Empower offers cash advances with instant transfers and comprehensive personal finance tools.
- Cleo is an AI-driven personal finance app with cash advances and flexible repayment options.
- Albert provides cash advances with repayment plans and requires an active checking account.
- Axos offers early access to paychecks and increased APY on account balances.
- Earnin allows early access to earned income based on hours worked.
- Payactiv provides cash advances for employees before payday.
Chime – A Cash Advance Service with Overdraft Protection
When it comes to cash advance services with added benefits, Chime stands out as a popular choice. Not only does Chime offer cash advances on debit card purchases and cash withdrawals, but it also provides overdraft protection through its SpotMe program. This unique feature ensures that Chime users can avoid costly overdraft fees and have peace of mind when managing their finances.
With Chime’s SpotMe program, users are granted a line of credit that covers overdrafts without charging any fees. The program starts with a credit limit of $20, and with a positive history, users can work their way up to a credit limit of $200. This enables Chime users to access the funds they need, even when their account balance falls short.
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To qualify for Chime’s cash advance service and overdraft protection, users need to meet certain criteria. They must have direct deposits of at least $200 in the last 30 days and an active Chime Visa debit card. By meeting these requirements, users can take advantage of Chime’s cash advance service and enjoy the added peace of mind provided by overdraft protection.
Chime Features at a Glance:
- Cash Advances: Chime offers cash advances on debit card purchases and cash withdrawals, providing users with quick access to funds.
- Overdraft Protection: Chime’s SpotMe program offers a line of credit that covers overdrafts without charging fees, helping users avoid unnecessary expenses.
- Flexible Credit Limit: Chime users start with a credit limit of $20 and can potentially increase it to $200 with a positive history.
- Qualification Criteria: To qualify for Chime’s cash advance service and overdraft protection, users need direct deposits of at least $200 in the last 30 days and an active Chime Visa debit card.
Chime’s combination of cash advance service and overdraft protection makes it an attractive option for those looking to manage their finances effectively and avoid unexpected fees. Whether you need a little extra cash or want the added security of overdraft protection, Chime has you covered.
Next, let’s explore another cash advance service that offers unique features. Table 2 provides a comparison between Chime and Varo, allowing you to make an informed decision based on your personal financial needs.
Varo – Cash Advances with Flat Fees
Varo is a popular option for users seeking cash advances with flat fees. With Varo, you can access cash advances of up to $100, and the fees are based on the amount you advance. To qualify for Varo cash advances, you need to meet certain requirements:
- Have an active Varo checking account for the last 30 days
- Received at least $1,000 in direct deposits in the last 30 days
- Have an active Varo debit card
One of the advantages of Varo cash advances is that they do not charge fees for advances of $20 or less. This is especially beneficial for smaller cash needs. Additionally, Varo offers a range of online banking features through their user-friendly app.
For a better understanding of Varo’s cash advance fees, refer to the table below:
| Advance Amount | Flat Fee |
|---|---|
| $0 – $20 | No Fee |
| $21 – $50 | $3 Fee |
| $51 – $100 | $5 Fee |
Varo’s flat fee structure ensures transparency and simplicity for users. The fees are clearly defined and enable borrowers to make informed decisions. Varo aims to provide a reliable and convenient cash advance solution for individuals in need of short-term financial assistance.
Stay tuned for the upcoming section, where we will explore another cash advance app that offers unique features and benefits.
Empower – Cash Advances with Instant Transfer Option
Empower is a comprehensive personal finance app that empowers users to take control of their finances. In addition to budgeting and saving tools, Empower also offers cash advances to help bridge financial gaps. With Empower, you can access up to $250 in cash advances to cover unexpected expenses or emergencies.
To make the process even more convenient, Empower offers an instant transfer option for a small fee. This means that once your cash advance is approved, you can receive the funds instantly in your bank account, providing you with the financial flexibility you need, when you need it.
Qualifying for a cash advance from Empower is simple. You need consistent direct deposits from your employer, a positive bank account history, and a long history of direct deposits. By meeting these requirements, you can access the cash you need without the hassle of credit checks or complicated approval processes.
While cash advances can be a helpful tool, it’s important to use them responsibly and only when necessary. Empower encourages users to consider the long-term financial impact and to explore other options before opting for a cash advance.
Empower Features:
- Access up to $250 in cash advances
- Instant transfer option for a fee
- Comprehensive personal finance tracking
- Budgeting and saving tools
- Automatic savings feature
With Empower, you have the tools and resources to manage your finances effectively. From tracking your expenses to setting financial goals, Empower is designed to empower you to make informed financial decisions and achieve financial stability.
“Empower has been a game-changer for me. The cash advance option has helped me cover unexpected expenses without the stress of waiting for the next paycheck. With the instant transfer feature, I can get the funds I need right away. Highly recommended!” – Sarah D.
Cleo – AI-Driven Personal Finance with Cash Advances
Cleo is an innovative AI-driven personal finance app that offers a range of features to help you manage your money effectively. One of the standout offerings from Cleo is the option to access cash advances up to $250, without having to go through a credit check or worry about interest rates. This makes it a convenient solution for those in need of some extra funds.
To make the process even more convenient, Cleo allows users to obtain a same-day advance for a small express fee. This ensures that you can access the funds you need quickly, without any unnecessary delays. Plus, Cleo provides flexible repayment options, allowing you to pay back the cash advance according to your financial situation and preferences.
Cleo’s commitment to empowering users with AI-driven insights extends beyond cash advances. The app offers a range of helpful personal finance tools, such as budgeting assistance, spending analysis, and savings recommendations. By leveraging AI technology, Cleo provides personalized recommendations and insights tailored to your unique financial situation, helping you make informed decisions.
By subscribing to Cleo Plus or Cleo Builder, which start at $5.99 per month, you gain access to additional benefits and features, including the ability to access cash advances. This subscription gives you even more value for your money, making Cleo a comprehensive and cost-effective personal finance solution.
Benefits of Using Cleo:
- AI-driven personal finance insights
- Cash advances up to $250 with no credit check or interest
- Same-day advances available for an express fee
- Flexible repayment options
- Helpful personal finance tools
- Access to additional benefits with Cleo Plus or Cleo Builder subscription
With Cleo, you can stay on top of your finances, make smarter decisions, and access cash advances when you need them most. Whether you’re looking to cover unexpected expenses or bridge the gap until your next paycheck, Cleo’s AI-driven personal finance features and cash advance options have got you covered.
| Feature | Details |
|---|---|
| AI-driven insights | Get personalized recommendations and insights based on your financial situation |
| Cash advances | Access up to $250 without a credit check or interest rates |
| Same-day advances | Obtain cash advances on the same day for an express fee |
| Flexible repayment | Repay your cash advances according to your financial needs |
| Personal finance tools | Budgeting assistance, spending analysis, and savings recommendations |
| Subscription benefits | Access additional features and benefits with Cleo Plus or Cleo Builder subscription |
Albert – Cash Advances with Repayment Plans
Albert is a popular cash advance app that offers up to $250 in cash advances. Like Dave, they don’t charge interest or fees, and users can get up to three cash advances per pay period. Repayment of the cash advances is due on the next payday, but users can work out a repayment plan for extensions if needed. Albert requires users to have an active checking account for at least 60 days, direct deposit from the same employer, and funds in the account 24 hours after payday.
If you’re in need of a small amount of cash to cover unexpected expenses or temporary financial gaps, Albert can provide a solution with their cash advance service. With convenient repayment plans and no interest or fees, Albert offers flexibility and peace of mind.
Whether you need to pay bills, handle emergencies, or make important purchases, Albert can help bridge the gap until your next payday. With up to $250 available in cash advances, you can quickly access the funds you need without the hassle of traditional lenders.
Here are some key features of Albert’s cash advance service:
- No interest or fees: Unlike traditional loans or credit cards, Albert does not charge any interest or fees for their cash advances. You only repay the amount you borrow.
- Flexible repayment plans: While the repayment of the cash advance is typically due on your next payday, Albert understands that unexpected circumstances may arise. They offer the flexibility to work out a repayment plan or request an extension if needed.
- Easy eligibility requirements: To qualify for a cash advance from Albert, you need to have an active checking account for at least 60 days, direct deposit from the same employer, and sufficient funds in your account 24 hours after payday.
Albert aims to provide a user-friendly experience with their cash advance service, making it accessible and convenient for individuals facing short-term financial needs.
“With Albert’s cash advance service, I was able to cover my car repair bill without worrying about high interest rates. The repayment plan option gave me peace of mind, knowing that I could manage the repayment according to my financial situation.” – Sarah, Albert user
In addition to cash advances, Albert offers various personal finance tools and features to help you better manage your money. From budgeting and automatic savings to expense tracking, Albert serves as a comprehensive financial management app.
So, if you’re looking for a cash advance app with repayment plans, consider giving Albert a try. With their user-friendly app interface and commitment to financial well-being, Albert can be a valuable tool in your personal finance journey.
Axos – Early Access to Paychecks
Axos is not a cash advance app, but it offers a service called ‘Direct Deposit Express’ that provides early access to paychecks. With Axos, you can get immediate access to your paycheck a few days before your intended payday, which can be a great help in managing your finances.
Unlike traditional banks, Axos understands the importance of timely access to your hard-earned money. They advance the funds to you before they clear, giving you the peace of mind that you won’t have to wait for your paycheck.
In addition to early access to paychecks, Axos offers other benefits to its users. By completing simple tasks, you can earn an increased Annual Percentage Yield (APY) on your account balances. This means that your money can grow faster and work harder for you.
Experience the convenience and flexibility of early access to your paychecks with Axos. Sign up for ‘Direct Deposit Express’ and take control of your finances.
Earnin – Early Access to Earned Income
Earnin is a mobile app that provides early access to the money you’ve earned before your payday. This innovative service allows users to access up to $100 per day and up to $750 per pay period, based on the hours worked. With Earnin, you can avoid financial stress and cover unexpected expenses without waiting for your paycheck.
To qualify for early access to your earned income, simply download the Earnin app from the App Store or Google Play. Once installed, you’ll need to verify your income and employment details. Earnin requires users to have direct deposit for their income, as it uses this information to calculate the amount you can access early.
When it’s time to receive your paycheck, Earnin deducts the advanced amount from your bank account. It’s a seamless and convenient process, ensuring that you never miss out on the money you’ve already earned.
With Earnin, you can avoid costly overdraft fees, late payment charges, or resorting to high-interest payday loans. It’s a flexible and transparent solution that empowers you to take control of your finances.
“Earnin has been a game-changer for me. It’s amazing to have the ability to access my earnings when I need them most. No more waiting for payday.” – Emily S., Earnin user
Take charge of your finances with Earnin and get early access to your hard-earned money.
Benefits of Earnin:
- Easy and convenient mobile app
- Access up to $100 per day and $750 per pay period
- No interest or hidden fees
- Avoid overdraft fees and high-interest payday loans
- Transparent and fair repayment process
Requirements for Early Access:
- Download the Earnin app
- Verify your income and employment
- Have direct deposit for your income
Don’t let financial constraints hold you back. With Earnin, you can access your hard-earned money when you need it most. Sign up today and experience the freedom of early access to your earned income!
| Features | Benefits |
|---|---|
| Early access to earned income | Get the money you’ve earned before payday |
| No interest or hidden fees | Avoid costly charges and fees |
| Flexible repayment process | Repay the advanced amount when you receive your paycheck |
Payactiv – Cash Advances for Employees
Payactiv is an innovative app that provides a convenient solution for employees in need of cash advances before payday. This service is exclusively available to those whose employers subscribe to Payactiv. With Payactiv, employees can access a portion of their earned wages based on the hours they have worked, ensuring financial flexibility and peace of mind.
One of the key features of Payactiv is its ability to track employees’ hours worked, allowing them to know the exact accessible amount of their earnings that can be transferred each day. Employees have the flexibility to set up automatic transfers or transfer funds as needed, empowering them to manage their finances effectively.
When employees access funds early on their payday, Payactiv keeps track of the portion advanced. This ensures a seamless process and helps employees plan ahead. With Payactiv, individuals can avoid the stress of unexpected expenses and gain control over their financial well-being.
FAQ
What are some apps like Cleo and Dave for budgeting and financial management?
Some popular alternatives to Cleo and Dave include Chime, Varo, Empower, Albert, Axos, Earnin, and Payactiv. These apps offer various features for cash advances, early access to paychecks, and personal finance management tools.
How does Chime’s cash advance service work?
Chime offers cash advances of up to $200 on debit card purchases and cash withdrawals. They also provide overdraft protection through their SpotMe program, which covers overdrafts without charging fees. Users can qualify for a credit limit of up to $200 based on direct deposits and active usage of their Chime debit card.
What cash advance options are available with Varo?
Varo offers cash advances of up to $100 with a flat fee based on the advance amount. Users need to have an active Varo checking account for the last 30 days, received at least $1,000 in direct deposits in the last 30 days, and have an active Varo debit card to qualify. Varo also provides various online banking features through their app.
What features does Empower offer besides cash advances?
Empower is a comprehensive personal finance app that allows users to track all their finances in one place. While Empower offers cash advances of up to $250, they also provide other features like automatic savings and instant transfers for a fee. Users need consistent direct deposits, a positive bank account history, and a long history of direct deposits to qualify for cash advances.
How does Cleo stand out as an AI-driven personal finance app?
Cleo is an AI-driven personal finance app that offers cash advances of up to $250 with no credit check or interest. Users can get same-day cash advances for an express fee. Cash advances are available to users with a Cleo Plus or Cleo Builder subscription, which range from $5.99 to $14.99 per month. Cleo also provides flexible repayment options and other helpful personal finance tools.
What are the cash advance options with Albert?
Similar to Dave, Albert offers cash advances of up to $250 without charging interest or fees. Users can get up to three cash advances per pay period. Repayment of the cash advances is due on the next payday, but users can work out a repayment plan for extensions if needed. Albert requires an active checking account, direct deposit from the same employer, and funds in the account 24 hours after payday.
How does Axos provide early access to paychecks?
Although not primarily a cash advance app, Axos offers a service called ‘Direct Deposit Express’ that provides early access to paychecks. Axos allows users to access their paycheck a few days before their intended payday, unlike traditional banks. Axos retains the funds until they clear, as they advanced the money before it cleared. Additionally, Axos offers increased APY on account balances for completing simple tasks.
How does Earnin enable early access to earned income?
Earnin allows users to access up to $100 a day and up to $750 per pay period based on the hours worked. To qualify, users need to download the Earnin app, verify their income and employment, and have direct deposit for their income. Earnin deducts the advanced amount from the user’s bank account when they receive their paycheck.
What are the cash advance options available with Payactiv?
Payactiv is an app that offers cash advances to employees before their payday. However, this app is only available if your employer subscribes to it. Payactiv tracks employees’ hours worked and the accessible amount of their earnings that can be transferred each day. Employees can set up automatic transfers or only transfer funds as needed. Payactiv retains the portion advanced if employees access funds early on their payday.
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