# 7 Top Apps Similar to Empower for Small Cash Advances
Empower is a prominent application that provides fee-free cash advances of up to $250 without requiring a credit check. It is especially popular among gig workers, allowing freelancers, contractors, and non-traditional employees to obtain quick cash. Nevertheless, there are numerous alternatives that present higher advance limits, greater repayment options, or enhanced financial features.
Here are seven apps comparable to Empower that you might want to explore:
## 1. Chime – **Best for Instant Access**
[Chime](https://millennialmoney.com/chime-bank-review/) is a widely-used checking account provider that facilitates cash advances through the *SpotMe* program. With SpotMe, you can overdraw your account by as much as $200 on debit card purchases without incurring overdraft fees.
### Key Features:
– Overdraft protection up to $200 without fees
– No monthly service fees, foreign transaction fees, or minimum balance requirements
– Receive paycheck up to two days in advance with direct deposit
– Access to 60,000+ fee-free ATMs across the nation
– Collaborates with FDIC-insured banking institutions
[Discover More at Chime.com](https://go.millennialmoney.com/chime/?pd00=44950&pd02=content&aff_slug=chime)
## 2. Dave – **Best for Minimal Fees**
[Dave](https://millennialmoney.com/dave/) provides cash advances as high as $500 with no interest charges or credit inquiries. The app also features budgeting assistance, credit monitoring, overdraft alerts, and billing payment help.
### Key Features:
– Cash advances up to $500 without interest
– No credit check necessary
– Monthly subscription cost of $1 (lower than Empower’s $8 fee)
– Averages savings of $500 per year for users
[Discover More at Dave.com](https://go.millennialmoney.com/dave/?pd00=44950&pd02=content&aff_slug=dave)
## 3. Varo – **Best for Versatile Repayment Options**
Varo provides checking and high-yield savings accounts along with features to automate your savings. Through *Varo Advance*, account holders can borrow up to $250 ahead of their payday with adaptable repayment terms.
### Key Features:
– Interest-free borrowing ranging from $20 to $250
– Repayment duration of up to 30 days
– No fees for subscription or transfers
– Opportunity to qualify for advances as high as $500 with a good repayment record
– Requires a minimum of $800 in monthly direct deposits for eligibility
## 4. MoneyLion – **Best for Substantial Cash Advances**
[MoneyLion](https://millennialmoney.com/moneylion-review/) is a fintech service providing affordable personal loans, cash advances, and credit monitoring. Its *Instacash* feature allows users to unlock cash advances up to $1,000.
### Key Features:
– Regular users can access up to $700; *RoarMoney* members can get up to $1,000
– No credit check necessary
– Tools available for credit building and budgeting
– Requires direct deposits of a minimum of $250 per pay period
## 5. EarnIn – **Best for Early Paychecks**
[EarnIn](https://millennialmoney.com/earnin-app-review/) allows users to get early access to their salaries without interest fees. The app connects to both your workplace and bank account, facilitating advances up to $750 per pay period.
### Key Features:
– Borrow as much as $750 every pay period ($100 maximum daily)
– No subscription costs or credit checks
– Optional *Lightning Speed* feature for immediate transfers (fee of $3.99–$4.99)
– Operates on a user-supported tipping system rather than traditional fees
## 6. Brigit – **Best for Preventing Overdraft Charges**
Brigit provides cash advances up to $250 while assisting users in avoiding overdraft charges by tracking their account balances.
### Key Features:
– Automatic cash advances under low balance circumstances
– Compatible with over 15,000 banks, including leading US banks
– No credit check is needed
– Monthly subscription fee: $8.99 for *Brigit Plus*; $14.99 for *Brigit Premium*
– Premium users have access to credit-building loans
## 7. Cleo – **Best for AI Assistance**
Cleo is an AI-powered financial assistant application, offering budgeting and saving help alongside cash advances when necessary.
### Key Features:
– Automated savings features
– Insights on budgeting and spending
– *Cleo Plus* users can access up to $250 in cash advances
– Monthly fee of $5.99 for *Cleo Plus*, $15.99 for *Cleo Builder* (aimed at credit enhancement)
[Discover More at MeetCleo.com](https://go.millennialmoney.com/cleo/?pd00