**7 Top Alternatives to Empower for Fast Cash Advances**
You may have come across **Empower**, a widely-used app that provides cash advances of up to $250 with no credit inquiries. However, for a nominal fee, you can expedite your request by choosing instant cash, avoiding the typical wait associated with standard processing, which often takes a few business days.
Empower caters well to freelancers, gig economy workers, and other unconventional job holders, making it quite popular. Yet, while **Empower** is an excellent choice for urgent cash needs, several other apps like Empower offer larger loan amounts along with more lenient terms, added features, and budgeting capabilities.
### 7 Apps Similar to Empower for Small Cash Advances
Below are the **7 leading apps** comparable to Empower that you can download right away:
#### 1. **Chime**
**Best for:** Immediate Availability
Although Chime is primarily recognized for its no-fee **checking account**, its **SpotMe** feature enables you to overdraft your account by up to $200 for debit card transactions, without incurring overdraft fees. Your limit may increase over time based on your activity with Chime.
Furthermore, Chime users enjoy additional benefits such as no monthly fees or minimum balance needs, along with access to their paychecks up to two days early through direct deposit.
**Learn More: [Chime Review](https://millennialmoney.com/chime-bank-review/)**
#### 2. **Dave**
**Best for:** Affordable Fees
Dave is an app that provides **up to $500** in fee-free cash advances, with no credit checks involved. Funds are automatically deducted from your next paycheck. In addition to cash advances, Dave supports users in managing their finances with budgeting tools and overdraft notifications, all for just $1 per month—a significantly lower cost than Empower’s $8.
**Learn More: [Dave Review](https://millennialmoney.com/dave-review/)**
#### 3. **Varo**
**Best for:** Adaptable Repayment Options
With both checking and high-yield savings accounts, **Varo** also offers cash advances up to $250 via its **Varo Advance** feature. Flexible repayment terms are available, allowing up to 30 days for repayment. Borrowing amounts up to $20 incurs no fees, while loans over $50 have minor fees ranging from $4 to $15.
**Learn More: [Varo Review](https://millennialmoney.com/varo-review/)**
#### 4. **MoneyLion**
**Best for:** Significant Cash Advances
MoneyLion permits users with direct deposits to access funds through its **Instacash** program, providing advances up to **$500** for standard members and up to **$1,000** for premium members. The app also offers budgeting tools, low-interest loans, and credit monitoring features.
**Learn More: [MoneyLion Review](https://millennialmoney.com/moneylion-review/)**
#### 5. **EarnIn**
**Best for:** Early Access to Earnings
**EarnIn** enables you to cash out your earnings right after you log your work hours, allowing advances of up to $100 per day or $750 per pay period. There are no charges or interest fees, though the app encourages voluntary tips. Instant transfers via **Lightning Speed** cost between $3.99 and $4.99.
**Learn More: [EarnIn Review](https://millennialmoney.com/earnin-app-review/)**
#### 6. **Brigit Loan App**
**Best for:** Preventing Overdraft Fees
**Brigit** monitors your bank account for low balances and proactively offers cash advances up to $250 to help you avoid overdraft fees. For a subscription of **$8.99 per month**, Brigit covers your expenses in advance with no credit checks required. Premium subscribers can request cash and receive it within 20 minutes.
**Learn More: [Brigit Review](https://millennialmoney.com/brigit-review/)**
#### 7. **Cleo App**
**Best for:** AI-Driven Support
**Cleo** acts as an AI-powered financial assistant, helping you budget, monitor spending, and even providing cash advances up to $250 for emergencies. Subscribers to **Cleo Plus** pay $5.99 monthly and can obtain advances without credit checks or fees. Additionally, the app offers credit-building loans for $15.99 a month.
**Learn More: [Cleo Review](https://millennialmoney.com/cleo-review/)**
### Advantages and Disadvantages of Cash Advance Apps
While cash advance apps are a preferable choice compared to hazardous payday loans, they also present their own set of advantages and disadvantages.
#### Advantages
– Swift accessibility to cash without interest costs.
– No need for credit checks.
– Capability to cover