Money Lending Apps To Make It To Next Payday

Money Lending Apps To Help Make It To Next Payday

Life is anything if not full of surprises–some of them wonderful, and some of them? Not so much. With the cost of rent increasing, an economy that’s still in recovery, and a stagnated minimum wage, people are finding it increasingly more difficult to make ends meet.

Fortunately, however, there are avenues out there for people who are looking for creative ways to supplement their incomes to help stretch their money until their next payday. While some people may turn to selling their blood plasma to help cover their rent, there are a number of less…invasive options out there to help you make it to your next paycheck! And one of these options is any one of several money lending apps! 

In this article, we’ll talk about some of the most popular money lending apps out there today— as well as talk about their lending options, how fast they can deliver money to your account, and other things you may need to know in order to be an informed borrower so you can make the wisest decision for your situation!

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Trying to go about getting a loan from a bank or credit union can often be a lengthy process, with people often having to wait several days before gaining access to their funds, on top of the time it takes to complete the application process itself. Hardly helpful for those who find themselves needing money quickly in an emergency situation. 

This is where online lenders and money lending apps come into play! These apps generally offer people fast funding times with minimal fees. Some of them even offer additional resources to help you manage your money in the form of checking accounts and automatic overdraft protection as well as other budgeting tools. 

If you find yourself in a situation where you need to find just a little extra cash to tide you over, the following list apps could definitely help! You may just want to be careful about doing this too often, as to not get caught up in a cycle of high-interest borrowing and being unable to pay back your loans on time.

The following is a list of some of the most popular money lending apps out there today: 

  • Brigit
  • LendYou
  • Earnin
  • Dave
  • MoneyLion 

In the following sections, we’ll talk about each of these apps more in depth and hopefully help you decide which one may be the best option for you if you find yourself in need! 


Brigit is a holistic financial health app that helps you cut your stress, build your credit, save, and budget for your future. They offer simple tools to help teach about financial literacy so customers can get a better handle on their expenses by understanding and anticipating them better, managing and protecting your credit, and making sure you have access to emergency funds if you need them! 

For those needing a cash advance to get them to their next payday, Brigit offers instant loans of up to $250 to those who sign up for their monthly Plus plan, which is $9.99 per month. 

For this subscription cost, they also offer access to financial experts who are there to help users create a budget and track their spending habits as well as help users find gig work. “Plus” members also get $1 million in identity theft insurance, automatic advances to prevent account overdraft and access to Brigit’s credit builder tool. 

To qualify for a loan, users must have a checking account with sufficient activity, meaning that it has been open for at least 60 days as well as has at least three recurring deposits from the same employer or deposit source, as well as a minimum average end of day balance on days you receive your paycheck and the day after to ensure you can repay your loan on time. 

If you can meet these requirements, then Brigit may be able to give you just the help you need to help you push through until payday! 


LendYou isn’t so much an app in itself as it is a loan connecting service. That is to say, they do not offer loans so much as find ways to connect consumers with independent third-party lenders. 

Potential borrowers register online at LendYou, fill out a simple form, and then the website connects them to lenders in real-time. If you end up getting connected with a lender whose terms you like and can agree to (and you have the option to decline them if you don’t!), you could have money in your bank account as soon as the next business day. 

While independent lenders tend to have their own specific requirements, typical ones for most lenders include: 

  • Being at least 18 years of age or older
  • Having a checking or savings account with direct deposit
  • Having a regular income of at least $1,000 per month
  • Having a fair credit rating (for personal loans only)
  • Not being a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps, or Navy (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or less, as the military has its own lending services and practices 


Earnin is a cash advance app that gives users access to money they’ve already earned—with no hidden fees, no interest, and no credit checks—up to $100 a day! 

Those who want to use Earnin just need to have a steady payday (meaning you’re employed), an active checking account, and a smartphone!

To get started, all you need to do is connect your bank account and add your employment info to help Earnin recognize your pay schedule. Once that step has been completed, users add their earnings in the app, and from there are welcome to start using the app to take advances out against their paychecks. When a user gets paid from their job, Earnin simply takes back what was paid out originally! 

Those who are new to the platform may start with a Pay Period Max up to $250, meaning they can only borrow up to $250 per pay period—but there is potential for it to increase to as much as $500 as those members continue to use the app and pay back their loans successfully. 


Dave is a financial app whose primary goal is to help users stave off predatory overdraft fees from banks. To that end, they offer small cash advances of up to $500 to those needing extra help to make it to their next payday and who are at risk of overdrawing their bank accounts. 

To qualify, users will need to pay for a monthly membership, which comes out to about $1 per month. You can use the Dave app with your existing bank account or opt for a Dave deposit account and debit card, which does typically result in faster transfer times as well.

Like Earnin, Dave uses the money you typically earn in a given pay period to calculate a maximum advance amount for you and then uses money from your next paycheck to repay the loan with no extra fees!  


MoneyLion is another financial app that offers users options to take out an advance on money that they’ve already earned throughout the week through their InstaCash service. 

Instacash is a 0% APR cash advance service that uses your past direct deposits and your account transaction history to offer loans between $25-$250, to then be paid back through your regular paycheck deposit.  

Users may need to pay an optional Turbo Fee if they need their funds delivered quickly—for example, an Instacash loan of $40 would be charged with a Turbo Fee of $4.99 if users needed it as soon as possible, making their total repayment amount $44.99 on their next payday. 

Users also have the option to leave a tip, which the company uses to help cover the high costs of administering Instacash at 0% APR, though this is of course not mandatory! 

To qualify, users will need a bank account that:

  • Isn’t too new, meaning it’s an account that’s been open for at least two months.
  • Shows recurring deposits 
  • Has a positive balance, and
  • Is active! Meaning it is used and will continue to be used regularly 


There’s no question that life definitely has a habit of throwing curveballs your way from time to time. 

If you’re having financial trouble or have come up against an emergency and find that you need some extra money to get you through to your next payday, there are online apps and lenders who understand the struggle all too well and want to do what they can to help!  

Many of these apps often offer payday advances as well as other financial tools to help their users out of the occasional jam as well as help them to become more financially literate and able to develop a healthier relationship with their money and finances. 

This article has listed just a few of the options out there, but there are definitely more out there that can be found with just a bit of research! If nothing else, hopefully, this article has helped to at least get you started in the right direction.  

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