Apps Like Floatme
Best Alternatives & Competitors to FloatMe

tina nichols
Last Updated: April 21, 2022
Date Published: April 3, 2022
Digital Consumer

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“Too much month, not enough money” has become a common phrase in today’s volatile economy.

If you’re not a millionaire, chances are you’ve had this happen to you at some point.

If you can’t get a loan from a family member, a bank, or a credit card, the only option is to get a payday loan.

Unfortunately, payday loans come with exorbitant interest rates that trap many borrowers in an endless cycle of debt they can never escape because they lack the financial resources to pay it off in full.

 The “vigorish,” or interest, is paid on a monthly basis by these people until they can no longer afford it.

Luckily, you do have some other options.

Apps like Floatme provide cash advances in a way that is different to most payday loans.

Overdraft fees have been slashed by more than $50 million thanks to this financial service!

Instant cash advances (up to $50) between paydays with no interest and no credit checks have been used to accomplish this.

 As soon as you get paid, the loan amount is automatically deducted from your bank account via ACH.

Signing up and linking your bank account to the Floatme app takes less than a minute, and you’ll have cash deposited into your account immediately.

Floatme uses 256-bit bank-level security to securely connect your bank account (includes over 10,000 institutions) to the app.

It’s quick, simple, and almost cost-free.

A $1.99 membership fee is the only charge you’ll ever have to make.

Although Floatme is a great financial product, there are now a lot of them to choose from when you have a cash shortfall.

So, to assist you in getting through these tough times, we’ve rounded up ten excellent Floatme alternatives.

Let’s get started!

Here’s the 10 Best Alternatives & Competitors to FloatMe:



It’s insane to have to wait for money that you’ve already earned.

When you join Earnin, you won’t have to wait for anything.

If you’re an employee, then maybe it’s time to download Earnin so that you can take advantage of its financial assistance program. 

In addition to not having to wait for your actual payday, there are no fees or penalties involved; you simply get immediate access to the money you’ve worked so hard to earn, rather than having to wait until your employer decides to give it to you.

Earnin provides you with a wide range of useful tools for improving your financial well-being, as well as 256-bit data encryption.

If you use their Cash Out feature, you may be able to receive up to $500 from your regular income each pay period.

As a bonus, you’ll be able to access your entire paycheck two days earlier, giving you more of your hard-earned money when you need it the most.



Payday loans are a thing of the past when you use DailyPay as your payment method.

Paying bills on time means no late fees or overdraft charges for users, and there’s no need for those exorbitantly expensive payday loans any longer.

DailyPay will be there to help you save money and access your pay whenever you want.

When you use DailyPay, you have the flexibility to decide when you want your earnings to be sent to your account.

If you’ve chosen to use DailyPay, you’ll be able to access your earnings right away, or you can wait until the following business day to get your money.

It’s no surprise that for employers, DailyPay is a leading player in on-demand pay because of its proprietary software that can easily integrate with your company’s time management and payroll systems.

A benefit of this is that it allows employees to get paid sooner.

This means that whichever option you choose, saving money on interest and fees while still getting the cash you need is always an option.

Using their convenient apps will also save you a lot of time.



Payactiv is similar to Earnin in that you can get some of the money you’ve already earned without having to wait for your next paycheck.

You can use it right away to pay your bills or buy whatever you need without taking out a loan.

You can do all this with your Payactiv account at no additional cost to you.

To date, workers have saved $400,000,000.00, and employers have saved 36 percent on turnover thanks to Payactiv’s zero-cost model.

Payactiv is available to everyone, even if your employer hasn’t signed up yet.

You can get started by signing up for the Payactiv card and receiving your paycheck up to two days early, as well as taking advantage of the savings tools, one-on-one financial counseling, and even prescription discounts.


Apps like MoneyLion

MoneyLion is a financial technology company that offers cash advances.

However, a bank account with direct deposit is required for cash advances.

There’s no need to download multiple apps to manage your finances when MoneyLion has it all in one place.

Yes, it really is an all-in-one banking service that is also mobile.

No overdraft fees and no minimum balance requirements are just two benefits of having a MoneyLion checking account.

You can also get up to $1,000 in interest-free cash advances and get paid two days early.

What’s more, your bank account is credited with the cash advance funds almost immediately.

Depending on the number of direct deposits you make to your bank account, you may be eligible for a cash advance. 


empower app

In addition to earning cashback rewards, Empower members have access to interest-free cash advances of up to $250 per month in their account.

The $8 monthly fee may seem excessive compared to other financial apps, but it is well worth it.

Live chat support is available for any questions or concerns that you may have about the process of getting your cash advance with them.

With the Empower debit card (also available in shiny black or perfect peach), you’ll have unlimited access to more than 37,000 ATMs across the United States.


klover app

To get a little extra cash in between paydays, you can use the Klover app with just one tap.

Additionally, their proprietary algorithm allows them to approve more customers than the majority of lenders.

Using data, they hope to reach as many potential customers as possible with modern financial services.

The process to connect your active bank account to Klover, which verifies your pay stubs, takes just a few seconds after signing up.

They offer cash advances without a credit check, no interest, and no hidden fees.

As an extra benefit, you may be able to earn points that can be used to increase your cash advance or to receive free expedited service.

You may even win money in their daily sweepstakes!



Chime currently has over ten million users and strongly thinks that bank accounts should not cost you a penny.

Consequently, there offer no monthly fees, and more than 60,000 ATMs at popular locations like CVS, 7-Eleven, Walgreens, and more are available for free.

A Chime account also comes with SpotMe overdrafts of up to $200 free of charge (for eligible members)!

And better yet, if you are blessed enough to have a direct deposit, you have the potential to get the funds up to two days early with Chime.

More than 200,000 users have given Chime five-star ratings on the App Store.

Additionally, your Chime account comes with a debit card that can be used at any location where Visa is accepted.



There are more than three million people using Brigit every month to get up to $250, build their credit and save more wisely.

A credit check or interest charges are not involved in this quick and painless process that only takes a few minutes.

Simply have at least six months of activity and a positive balance in your checking account; three or more of the same source or employer will do.

There are two options for delivery.

One to three days later, you’ll receive your money from the first option.

If you request an advance before 10:00 a.m. Eastern Standard Time (EST) on a business day, you should have it by 11:59 p.m. EST that same day.

Your order will be delivered the following business day by 11:59 p.m. est if received after 10:00 a.m. EST.

Regular weekends and some of the bigger national and regional holidays are already incorporated into their digital system.

By 11:59 p.m. the following business day, if you request an advance on one.

As per usual, Mondays until Fridays are regularly considered business days, and the amount of time for your financial parcel to be delivered is largely determined by the speed with which your bank processes orders.


Even app

To assist hourly workers in taking charge of their own financial futures Even offers a financial benefits platform that is sponsored by the employer and offers a number of useful tools.

An even greater number of employers prefer the Even app because it helps them increase their brand and attract more qualified candidates by 74% while also helping them retain their existing employees by 41%.

Workers, how do you feel about this situation?

Also, they love Even because it helps them build their financial resilience and gives them more control over their finances.

One of the benefits of this is that it helps employees avoid expensive payday loans and reduces the risk of overdraft fees and late fees.

Employees can also take advantage of Instapay, a service provided free of charge by Even to its members, to get their paychecks in a timely manner.

Because of this, Instacash members have saved more than $300 million in interest and fees.


dave app

In the event that you don’t immediately fall in love with Dave’s adorable logo or mascot, you’ll certainly fall in love with its simplicity and ease of use.

Using the Dave app, you may be able to get paid two days early, build your credit history, and get up to $250 in cash advances without paying a single fee.

There are ten million members and counting on Dave’s network.

So, if you need a little extra money to pay a bill, you can quickly and easily get an advance on your upcoming paycheck and pay it back on your next payday with no interest and no credit check.

Dave also has the ability to assist you in the process of establishing a positive credit history.

Dave’s partnership with LevelCredit allows members to have their rent payments reported to the major credit bureaus for free, a credit-building opportunity that is normally $100 per year but is free for Dave members. 

There is also a $250,000 FDIC insurance and bank-level security for Dave accounts. 

Final Thoughts

Although there are so many digital financial options available in the market, be sure to do your own research every time.

This is your hard-earned money we’re talking about.

Don’t take shortcuts.

Once you’re satisfied with your choice, then rest assured you’ve done all you can to find the perfect one for you.