Apps Like Brigit: 8 Alternatives Compared (2026)

The best apps like Brigit are EarnIn and Chime MyPay if you want to drop the subscription, MoneyLion for a higher limit, and Branch or Rain if your employer offers one. Brigit charges $8.99 or $15.99 a month whether you borrow or not, and Minnesota’s attorney general is suing Brigit as an unlicensed lender. Our guide to earned wage access explains how paycheck advances work.

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Brigit at a glance

Brigit sells a monthly subscription that includes Instant Cash advances of $25 to $500, with no credit check and no late fees, plus a Credit Builder on its top plan.

Brigit	Published terms
Company	Bridge It, Inc.
Needs your employer?	No. You need a smartphone and a connected checking account.
Plans	Plus at $8.99 a month. Premium at $15.99 a month
Express Delivery	Plus pays “a small fee,” and Brigit doesn’t publish the amount. Free on Premium. Brigit says most users get it within 20 minutes.
Free path	Only by emailing Brigit to ask for an advance without a subscription
Advance amounts	$25–$500 ($25–$250 in Maine). Brigit’s average advance was $72 from February 2018 to July 2026
How you repay	Brigit withdraws the advance on the due date you pick. Extension credits can push it back
Credit check	None for Instant Cash, and Instant Cash doesn’t affect your score. Credit Builder is a separate reported loan.
Legal matters	Minnesota AG suit filed June 10, 2026 (pending). FTC order in 2023 with $18 million in refunds (resolved). Feeman v. Bridge It class action (on appeal).

Fees and terms verified 2026-10-24 from Brigit’s homepage and its help center article How much does Brigit cost (updated October 15, 2026). Brigit’s homepage lists the subscription as “$8.99–$15.99” and says Express Delivery is optional, with a fee that “may apply.”

Why people look for Brigit alternatives

Most people who leave Brigit want to stop paying a monthly fee for a cash advance they use once in a while, and most of the apps below don’t charge one.

The subscription is the whole cost model. Brigit charges no late fees. Instead, you pay $8.99 or $15.99 every month, borrow or not. If you take one $72 cash advance a month, the average size Brigit reports, Plus costs you $8.99 for about $72 of early pay. That’s 12.5% of the advance before any Express Delivery fee.

The free option is hard to find. Brigit’s help center says you can get a cash advance without subscribing, but only by emailing Brigit and asking.

And the regulators keep coming back. The FTC’s 2023 order sent $18 million in refunds to Brigit customers over deceptive claims about advance amounts, fees, and cancellation. In June 2026, Minnesota’s AG sued, alleging Brigit’s advances carry APRs “regularly” above 300% against the state’s 50% cap. Brigit disputes the claims. We cover both in the lawsuit section below.

Brigit pros and cons

Brigit’s pros are no credit check, no late fees, and a due date you choose, and its cons are a monthly membership you pay every month and an Express fee Brigit doesn’t publish on Plus.

Pros

• No credit check for Instant Cash, and no effect on your score.
• No late fees, and extension credits can move your due date.
• You pick the repayment date when you request the advance, where most cash advance apps debit on payday.
• Premium includes free Express Delivery and a Credit Builder loan that reports to the bureaus.
• Brigit says most users get Express Delivery within 20 minutes.

Cons

• A monthly membership of $8.99 or $15.99, billed whether you borrow or not.
• Plus charges an Express transfer fee that Brigit doesn’t publish on its site.
• The free option works only if you email Brigit and ask.
• A $500 cap ($250 in Maine), lower than EarnIn, MoneyLion, or Current.
• A 2023 FTC order, a pending Minnesota lawsuit, and a class action on appeal.

Apps like Brigit compared

Six of these cash advance apps like Brigit work without your employer, and two run through employers. None of the eight requires a subscription for a cash advance, and the last column shows what a typical $72 cash advance repaid in 14 days costs at each one.

App	Subscription	Free path	Speed fee	Max	$72 advance for 14 days	The catch
EarnIn	None	Standard transfer in 1–2 business days	Lightning Speed $3.99 up to $75. More above that	$200 a day and $1,000 a pay period.	$0 standard. $3.99 instant (144% APR)	Tip prompts. Two state lawsuits
Chime MyPay	None	Scheduled advance within 24 hours	3% instant ($2 minimum and $5 maximum).	Up to $750 advertised. Limits $20–$1,000.	$0 scheduled. $2.16 instant (78% APR)	You must move your direct deposit to Chime
MoneyLion Instacash	Optional	Standard delivery to MoneyLion Spend	Turbo 7.5% to Spend (capped at $14.99). 9% to another bank	$500 ($1,000 with qualifying direct deposit).	$0 standard. $5.40 Turbo (196% APR)	No standard delivery to an outside bank
Klover	Optional Klover+ at $4.99 a month	Standard transfer in 2–5 business days	Express up to $7.75 on $75	$750	$0 standard. Up to $7.75 express on $75	Steep express fees
Current Paycheck Advance	None	Wait up to 3 days	Instant Access Fee shown only in the app	$25–$1,000.	$0 if you wait	Needs a $200+ payroll deposit into Current each month
FloatMe	$6.99 a month, not required for a Float.	Not published	$5.00 on $40–$50. $7.50 on $80–$100	$200 ($10–$50 at first)	Fee depends on the Float size	Low limits. Not offered in Connecticut, D.C., or Nevada.
Branch	None	Instant to Branch Wallet	$2.99–$4.99 to a debit card (W-2 workers)	50% of projected earned wages, up to $1,000 a pay period.	$0 to wallet	Your employer has to offer it
Rain	None	Bank ACH in 1–3 days	“Small fee” to a card, amount not published.	50% of current-period earnings	$0 by ACH	Your employer has to offer it
Brigit Plus (for comparison)	$8.99 a month	Only by emailing Brigit	“Small fee,” amount not published.	$25–$500	$8.99 in subscription (326% APR) plus any Express fee.	You pay every month

Fees and terms verified 2026-10-24. The APR equals the cost divided by the advance, times 365, divided by the days until you repay. For Brigit, we counted one month of Plus against one $72 cash advance.

Brigit alternatives with no subscription required

These six apps let you get money before payday without paying Brigit’s monthly fee, and five of them have a fully free delivery option.

EarnIn: best for Brigit users who want a bigger limit with no monthly fee

EarnIn charges no subscription and no fee for a standard Cash Out, which arrives in one to two business days. That’s $107.88 a year less than Brigit Plus before you borrow a dollar. EarnIn’s limits run up to $200 a day and $1,000 a pay period, double Brigit’s $500 ceiling, though EarnIn sets each user’s Max and new members start lower. Lightning Speed costs $3.99 up to $75, $5.99 from $75.01 to $150, and $8.99 above $150 in most states.

EarnIn trades Brigit’s subscription for tips. EarnIn says tips are optional and don’t affect your Max, so tip $0. Colorado’s AG alleges EarnIn’s app “required numerous taps to select no tip,” and Colorado and D.C. both have suits pending that call Cash Out an unlicensed loan. EarnIn debits your linked bank account on payday, where Brigit lets you pick the due date. Our EarnIn review and our apps like EarnIn guide cover both. Source: EarnIn’s fee table.

Chime MyPay: best for the lowest instant fee with no subscription

Chime MyPay gives you the instant cash advance Brigit Premium sells for $5 at most, with no monthly subscription fee. Chime charges $0 for a scheduled cash advance within 24 hours and 3% for instant delivery, with a $2 minimum and a $5 maximum. On Brigit’s average $72 cash advance, Chime’s instant fee is $2.16, against $15.99 a month for Premium’s free Express Delivery. Chime advertises up to $750 per pay period, and its footnote lists limits of $20 to $1,000. Chime says most members start between $50 and $100.

Chime needs your paycheck. You’ll need a qualifying direct deposit of $200 or more into Chime within the past 36 days and an activated physical Chime card. Chime calls MyPay a line of credit from The Bancorp Bank or Stride Bank, sets limits with risk-based criteria, runs no credit check, and doesn’t report your payment history. We found no lawsuit over MyPay. Source: Chime MyPay.

MoneyLion Instacash: best for a higher advance with no required membership

MoneyLion Instacash offers up to $500, matching Brigit’s ceiling, and up to $1,000 if you send qualifying recurring direct deposits to a MoneyLion Spend account. You don’t need a paid membership for Instacash, and MoneyLion charges $0 for standard delivery to Spend. Turbo delivery costs 7.5% to Spend, capped at $14.99, or 9% to another bank. Tips are optional. MoneyLion says it runs no credit check, and it caps each disbursement at $100.

Two cautions. MoneyLion offers no standard delivery to an outside checking account, so the free path keeps your money in MoneyLion. And MoneyLion’s regulators look much like Brigit’s. The CFPB won a $1.75 million redress judgment in November 2025, and New York’s AG has a usury suit pending, alleging “more than half” of MoneyLion’s advances topped 500% APR. Source: MoneyLion Instacash.

Klover: best for Brigit users who don’t need the money today

Klover’s FAQ says “Standard transfers are free” and usually take two to five business days, with no subscription required. Advances run $25 to $750, with an average near $170, and Klover says it runs no credit checks. You qualify after three consistent direct deposits from your employer, and Klover collects on your next payday. Klover+ costs $4.99 a month, about half of Brigit Plus, and you can skip it. You can also earn points and trade 500 of them for $1 off a fee.

Pay for speed at Klover and it costs more than Brigit Premium would for one advance. Klover’s express fees run up to $7.75 on $75, $9.49 on $100, $15.25 on $200, and $37.49 on $750. A private class action, Moss v. Klover, survived a motion to dismiss in federal court in Illinois, per the Center for Responsible Lending. Source: Klover pricing and Klover FAQ.

Current Paycheck Advance: best for a free advance up to $1,000

Current Paycheck Advance offers $25 to $1,000, double Brigit’s top amount, with no subscription and no fee if you wait up to three days. Current calls it “not a loan or credit product,” runs no credit check, and doesn’t report it to the bureaus. Current collects from your next payroll deposit, and its terms say you have “NO OBLIGATION TO REPAY,” though Current won’t give you another advance until you do.

Current needs your paycheck too. You’ll need at least one eligible payroll deposit of $200 or more each month into Current, and peer-to-peer, mobile check, and cash deposits don’t count. Current shows its Instant Access Fee only in the app and says the fee varies with the advance size, so you can’t compare it with Brigit’s Express fee in advance. Source: Current Paycheck Advance.

FloatMe: best for small advances with a cheaper optional membership

FloatMe charges $6.99 a month for membership, $2 less than Brigit Plus, and its terms say “You may request a Float without paying a membership fee.” Floats run up to $200, first-time approvals run $10 to $50, and FloatMe reported an average Float of $53 as of July 1, 2026. FloatMe runs no credit check and doesn’t report to the bureaus. You repay in one payment on your next payday.

FloatMe’s instant fees climb with the amount: $1.00 on $10, $3.00 on $20, $5.00 on $40 to $50, $7.50 on $80 to $100, $9.00 on $150, and $10.00 on $200, per its terms revised September 1, 2026. FloatMe doesn’t operate in Connecticut, D.C., Nevada, or US territories. The FTC’s January 2024 order required FloatMe to pay $3 million over “free money” claims and discriminatory practices, and a private class action is on appeal in the First Circuit. Source: FloatMe terms.

Cheaper Brigit alternatives if your employer offers one

Employer pay-access programs charge no subscription and take repayment through payroll, so nobody debits your bank account on payday.

The CFPB’s December 23, 2025 advisory opinion says this employer-repaid “covered EWA” isn’t credit under federal lending law, while Brigit’s bank-debit advances fall outside that definition. Ask HR whether your job offers a program before you renew Brigit.

Branch: best for hourly workers who want a wallet and card

Branch replaces Brigit’s subscription with a free wallet. If your employer uses Branch, you can take up to 50% of your projected earned wages in a pay period, up to $1,000, with $500 per request. Branch charges $0 for instant delivery to your Branch Wallet and $0 for an ACH in three to five business days. Instant delivery to an outside debit card costs $2.99 to $4.99 for W-2 workers. Branch charges employers nothing.

Branch’s card gives you eight free in-network ATM withdrawals a month, then charges $2.00 each, and a dormant account can cost up to $5.00 a month after a year without use. Branch also offers a High Yield Savings feature, new in 2026. Source: Branch transfer fees.

Rain: best for workers who want a low-balance safety net

Rain gives Brigit users the overdraft-avoidance feature Brigit markets, without the subscription. Rain’s Balance Protection moves earned wages to your checking account automatically when your balance drops below $100. You can transfer up to 50% of your current-period earnings to your bank for free by ACH in one to three days. Rain funds every transfer, your employer repays Rain through payroll, and Rain’s agreement says you’re “not responsible for making a payment to Rain.”

Rain charges “a small fee” for instant delivery to a card and doesn’t publish the amount, so check the app before you tap. Rain lists 100+ payroll connectors, including Workday, Paylocity, ADP, and UKG, and lists a California DFPI registration, a Wisconsin EWA license, and NMLS ID 2623400. Users rate Rain 4.85 on the App Store as of October 2026. Source: Rain integrations and Rain’s EWA Agreement.

Subscription apps like Brigit that won’t save you much

Tilt, Cleo, and Dave also charge monthly fees, so switching to one of them swaps one subscription for another.

• Tilt (formerly Empower): $8 a month after a 14-day trial for advances of $10 to $500. Tilt puts its instant fee in its terms, not on its site, and doesn’t operate in Connecticut, Maine, or D.C.
• Cleo: Plus costs $5.99 a month, Pro $8.99, and Builder $14.99. Same-day express fees run $4.49 to $14.99, and advances run $20 to $250 for most users. The FTC’s March 2025 settlement required Cleo to pay $17 million over misleading advance claims and cancellation problems.
• Dave: up to $5 a month, plus 5% of every ExtraCash advance with a $5 minimum. On a $72 cash advance, Dave costs $5 in fees plus up to $5 in membership, which can top Brigit Plus. See our list of apps like Dave.

If you pay Brigit Premium for the Credit Builder, compare it with a secured credit card from your bank. A secured card from your bank or credit union builds payment history too, and our guide to building credit from scratch walks through the options. EarnIn’s Card also reports to Equifax, TransUnion, and Experian.

Brigit vs. EarnIn vs. Dave

EarnIn costs the least of the three for a typical advance, since it has no subscription and a free standard transfer, while Brigit and Dave both bill you monthly.

Feature	Brigit	EarnIn	Dave
Monthly fee	$8.99 Plus or $15.99 Premium.	None	Up to $5
Fee-free path	Only by emailing Brigit	Standard transfer in 1–2 business days	None
Cost of a $72 instant advance	Plus fee not published. Free on Premium	$3.99 Lightning Speed	$5 minimum fee, free delivery to Dave Checking.
Max	$500	$1,000 a pay period.	$500
Credit check	None	None	None
Overdraft angle	Brigit markets the advance as a way to avoid bank overdraft fees	Balance Shield alerts before your balance runs low	ExtraCash is itself an overdraft on a Dave account
Legal matters	Minnesota AG suit. 2023 FTC order	Colorado and D.C. AG suits.	FTC and DOJ suit. Baltimore suit.

Fees and terms verified 2026-10-24. EarnIn charges no mandatory fees on a standard Cash Out, so a patient EarnIn user pays $0 where a Brigit Plus member pays $8.99 a month. Brigit’s homepage says it has saved members money by helping them avoid overdrafts, and it bases that estimate on an average overdraft fee of $34. Our EarnIn review and apps like Dave guide cover the other two in depth.

What Brigit’s subscription costs as an APR

Brigit’s subscription turns a typical $72 cash advance into an APR of about 326% on Plus and 579% on Premium, if you borrow once a month and repay in two weeks.

How you use Brigit	Monthly cost	Advance	APR equivalent (14 days)
Plus, one $72 advance a month.	$8.99	$72	326%
Premium, one $72 advance a month.	$15.99	$72	579%
Plus, one $100 advance a month.	$8.99	$100	234%
Plus, one $250 advance a month.	$8.99	$250	94%
Plus, no advance that month.	$8.99	$0	No advance, still billed.
Free option by email, standard delivery.	$0	Up to your limit	0%

Fees and terms verified 2026-10-24. Over a year, Plus costs $107.88 and Premium costs $191.88, before any Express fee on Plus. For comparison, the CFPB’s 2024 data put the average paycheck advance at $106 and the average fee, when a worker paid one, at $3.18, an illustrative 109.5% APR over about 10 days. Minnesota’s AG says Brigit’s APRs “regularly” exceed 300% and sometimes top 700%, which matches the math above. Our earned wage access fees guide runs the same numbers on other providers.

The Brigit lawsuits and where they stand

Brigit faces a pending Minnesota enforcement suit and a private class action on appeal, and it settled an FTC case in 2023.

• Minnesota v. Bridge It, Inc. (Ramsey County District Court, No. 62-CV-26-4231): Attorney General Keith Ellison sued on June 10, 2026, alleging Brigit acts as an unlicensed consumer short-term lender under Minnesota law, which caps APRs at 50%. The AG says Brigit’s APRs regularly top 300% and sometimes 700%. Brigit told the Star Tribune it will fight the case. Status: filed, no ruling found. Source: Minnesota AG.
• FTC v. Brigit: on November 2, 2023, the FTC announced a proposed order requiring $18 million for refunds. The FTC alleged Brigit rarely delivered the advertised advance amount, charged a 99-cent instant transfer fee after promising free transfers, and kept collecting its $9.99 monthly subscription fee from users who couldn’t cancel while a cash advance was open. The FTC sent about $9.8 million in refunds in November 2024 and 1,052,038 more payments, totaling over $6.8 million, in May 2026. Status: resolved. Source: FTC press release and FTC refund page.
• Feeman v. Bridge It, Inc. (S.D.N.Y., No. 1:25-cv-03806): a private class action. Judge Lewis Liman denied Brigit’s motion to dismiss and to compel arbitration in spring 2026, finding Instant Cash “substantially similar” to payday loans, per New Economy Project and the Center for Responsible Lending. Brigit has appealed to the Second Circuit.

None of these cases has produced a final ruling that Brigit broke a lending law. The Feeman ruling shows that one federal judge reads Brigit’s fees as possible finance charges under federal lending law. Our explainers on whether earned wage access is a loan and on earned wage access laws by state track the wider fight.

How to choose an app like Brigit

Choose the cheapest app that covers how often you borrow, and count the subscription as part of the price.

1. Count your advances. Look at how many Brigit advances you took in the last six months. If it’s fewer than one a month, you’re paying $8.99 or more for months you didn’t borrow.
2. Ask about an employer program. If your job offers Branch, Rain, DailyPay, or a payroll provider’s on-demand pay, start there.
3. Decide whether you’ll wait. EarnIn, Klover, Current, and MoneyLion all have free standard delivery. Waiting a day or two costs nothing.
4. Decide whether you’ll switch banks. Chime and Current need your direct deposit, and MoneyLion rewards it with a higher limit. EarnIn and Klover work with the bank you have.
5. Cancel Brigit before it bills again. Cancel your plan before your next billing date, and check the app for any open cash advance, so you don’t pay another month.
6. Keep one app. Two or three cash advance apps mean two or three debits on the same payday.

Our ranking of the best earned wage access apps compares more options, including employer programs not listed here.

When none of these Brigit alternatives fit

If you’d borrow from one of these apps every month, put the $8.99 you’d save on Brigit into savings instead. These apps fix a timing gap between work and payday. They can’t fix a budget that runs short every month.

• Bank the old subscription. $8.99 a month into savings is $107.88 a year, more than one of Brigit’s average advances. Our emergency funds guide shows how to build a starter fund.
• Find no-fee cash. Our list of ways to get money in a hurry covers billing extensions, selling things, and extra shifts.
• Don’t trade up to a payday loan. A payday loan costs more than any app here. See our earned wage access vs. payday loan comparison.
• Rework the budget. Our irregular income budget guide helps if your hours change week to week.

Apps like Brigit: FAQs

Drop the subscription, keep the safety net

For most Brigit users, the cheapest switch is EarnIn or Chime MyPay with the free delivery option, which saves $107.88 a year on Plus. If your employer offers Branch or Rain, use that first. Compare the full field in our guide to the best earned wage access apps, our earned wage access hub, and our lists of apps like EarnIn, apps like Dave, and apps like Cleo. Our apps like Payactiv guide compares employer programs such as Branch and Rain. Then move the old subscription into savings.