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9 Personal or Payday Loan Apps Like Earnin

When you work a job that only pays weekly or monthly, it isn’t unusual to be tight on cash before payday. If this happens to you, you can either tough it out and wait until your wage/salary is paid or you can just borrow money and pay it back when payday arrives.

Earning, formerly known as Activehours, is an awesome free app that was developed for this particular reason. It is basically a loan app that you can use to get a fraction of your paycheck before the official payday. The amount you borrow can then be deducted from your paycheck when it finally arrives.

To make use of Earnin, all you’ve got to do is name your workplace and add your bank account number to the app. The tool will automatically connect to your bank account and you’ll be able to request a loan almost immediately.

The app, which is available on both Android and iOS, allows you to take over $100 from your paycheck so that you can use it for an emergency. What is amazing about this tool, though, is that the loan doesn’t come with any extra fees and you won’t also have to pay any interest when it is removed from your salary.

Though Earning is the most popular payday loan app, there are other alternatives that are also as reliable. Here are 9 of the best apps like Earning for personal loans or payday loans:



If you’re looking for a payday loan app that is effectively better than Earnin, then is definitely one of the best options for you. For starters, you don’t have to connect your bank account to the app to have access to loan funds. The app will simply ask you some questions pertaining to your job before it approves your loan.

You can also borrow as much as $2,500 and as little as $100. Finally, this app processes and approves its loans in a matter of minutes unlike Earning that takes a few days.

  1. Mobile

This isn’t just a loan app, it is an all-in-one management app for your finance. This innovative mobile tool allows you to make check deposits by simply loading images of your check. It also makes it super easy for you to switch between bank cards. Mobile basically makes your banking life a lot easier by allowing you to perform multiple financial tasks straight from your smartphone.

  1. Dave

Available on both the Android and iOS platforms, Dave is a financial mobile application that lets you to carry out a variety of important tasks like bill payment, budget management, and money transfer.

Apart from this service, Dave also provides payday advance for verified users. The loan doesn’t require a credit check and you won’t have to pay any interest.

You will have to pay a small monthly subscription of $1 though.

  1. CashNetUSA

If you want a payday loan app that won’t have any effect on your credit score, then this is the best option for you. Not many of the apps like Earning have a fast application process. Thankfully with CashNetUSA, you can be done with your application in minutes and have your loan approved immediately.

  1. CreditLoan

There are times when an emergency comes up and you don’t have an avenue to get the funds you need. This is where CreditLoan comes in very handy. It helps you to get financial assistance by pairing you with prospective lenders.

With this app, you’re guaranteed a quick loan with little interest and a very convenient repayment schedule.

  1. Payday Loans & Cash Advance

If you’re looking for a short-term loan that you plan to repay with part of your paycheck, this has got to be the best option out there for you. What makes this app stand out is that it is actually made up of a collection of quick loan and payday loan companies. This makes it easy for you to be perfectly matched without no issue whatsoever.

This app is always functional regardless of the time of the day, and you are certain to receive a reply on your application in just a few minutes.

  1. Payday Loans Cred24

This app is more of a loan aggregator than a loan company. It helps you to find the best loan deals locally. It does this by comparing all the real-time loan details you need, ensuring that you make the right decision based on factual data.

It is a quick loan guide app that makes certain you apply responsibly for a loan and get the best loan deal.

  1. ACE Cash Express Mobile Loans

ACE Cash Express Mobile Loans is a quick loan finder that helps you to locate the best loan deals on the market. It has a loan store locator that provides over 1,000 loan shops where you can easily pick up a quick loan.

Despite its huge benefit, the app does come with some flaws that may affect usage. Firstly, its interface is quite limited with some important features missing. The site has also been known to suffer occasional crashes from time to time.

  1. PayActiv

PayActiv isn’t just a payday loan app, it is a payday budgeting app that allows you to effectively manage your paychecks. With this mobile tool, you can have access to your paycheck whenever you want it and don’t have to wait till the end of the week or month.

If you’re looking for the best alternative app to Earnin, this has got to be one of the top contenders.


49's Team

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