15 Best Apps Like FloatMe 2024

Money management can be complex and overwhelming, especially when you have many expenses to cover. Apps like FloatMe exist to help make it easier.

FloatMe helps improve your finances by helping you spend less, avoid overdrafts, and cover extra costs with cash advances.

It delivers spending insights so you can track your cash inflows and outflows. As a secure app, it uses the same 256-bit encryption as bank apps.

Not to mention, the app works directly with your bank account, and it currently supports up to 10,000 different banks.

However, despite FloatMe being one of the best financial apps, it may not be the number one choice for everyone. One of the reasons is that users have to pay a membership fee, allowing them cash advances of up to $50.

If FloatMe isn’t suitable for you, there are other apps like it that you can use. Check out the best ones below:

Best Apps Like FloatMe

1. Brigit

Brigit is an app that’ll help you get your finances back on track. It’s more popular than FloatMe, with more than a million downloads on the Google Play Store alone.

You can get a cash advance of up to $250, unlike FloatMe which has a $50 cash advance limit. You don’t even need to perform a credit check.

More than three million people use Brigit. It’s one of the most trusted financial management apps, backed by Kevin Durant and Ashton Kutcher.

With Brigit, you can build a better credit score with the Credit Builder. You only need to commit as little as $1 per month for 12 or 24 months, depending on the loan.

The app helps you understand your finances with personalized insights and a Finance Helper tool. Also, it protects you from identity theft with $1 million in insurance.

It also delivers job opportunities to help you earn extra money.

Like FloatMe, you can use the Brigit iOS or Android app for free. However, you can only access the Earn Extra, Finance Helper, and Insights features.

To access the Credit Builder, Credit Protect & Secure, Identity Theft Protection, and Auto Advances, among other premium features, you’ll pay $9.99 per month. Note that pricing changes from time to time.

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2. Dave

Dave is more than a money management app; it’s a banking app. It aims to help users balance their credit scores.

You only pay $1 per month for membership, which is more affordable than FloatMe. With FloatMe, you pay $1.99 per month.

You can get paid up to two days early with this app, and you can also get a cash advance of up to $250. It doesn’t require a credit check and there is no interest.

It’s one of the best apps to avoid overdrafts. The app claims to have saved users $200 million in overdraft fees.

It offers a debit card – the Dave debit card – issued by Evolve Bank & Trust. Note that FloatMe doesn’t offer debit cards, you can only link your bank cards.

Furthermore, with the Dave debit card, you don’t pay any ATM fees if you use one of the 30,000+ MoneyPass ATMs.

You also don’t have to worry about security when you use Dave. It employs banking-level encryption and $250,000 FDIC insurance, making it a super safe app.

The automatic budgeting feature will help you accurately monitor your finances. You’ll know precisely how much you spent on each bill.

Notably, Dave features a Side Hustle platform where you can find flexible jobs to make extra income.

One of the best things about the Dave banking and cash advance app is the support. They have fully-trained and professional support staff on standby to assist you.

Find out more apps like Dave here.

3. Albert

With Albert, you discover new ways to bank, save, and invest. It’s not a bank, although it provides some banking services. More than 10 million people use it.

Albert makes it seamless for you to budget. The app prompts you to save even the tiniest amounts, which could turn into a lot over time. You can set savings goals or activate Smart Savings to save automatically.

You can receive your paycheck two days earlier with Albert and get up to 20% back when you shop using the Albert cash debit card.

Using the debit card on ATMs is fee-free if you’re a Genius subscriber. There are no hidden fees, and you can use the card at more than 55,000 ATMs.

Albert helps you cover bills and avoid overdraft fees by offering cash advances of up to $250. Like FloatMe, there’s no interest and no credit check.

You’ll appreciate the one-on-one Genius advice feature. It lets you talk with financial professionals from which you get answers to questions and counsel on how to improve your finances. Such expert counsel isn’t accessible with FloatMe.

The amount you pay to become a Genius member is up to you. While FloatMe has a fixed monthly fee, Albert lets you “pay what you think is fair.” The minimum, however, is $6.

Check out the best alternatives to Albert app in this post.

4. MoneyLion

MoneyLion works as a mobile banking app. If you need an app like FloatMe that supports cryptocurrencies, it’s one of the best options. FloatMe doesn’t accommodate cryptocurrencies.

With their Instacash Advance service, you can get up to a $1,000 cash advance with no interest. It’s an enormous amount compared to FloatMe’s maximum of $50.

However, you’re to unlock the $1,000 cash advance over time. The initial maximum is $250.

MoneyLion is one of the best options for investing. You can open a fully-managed auto investment account with no management fees and no minimum balance.

When you transact with the MoneyLion debit card, you get rewards with Shake ′N′ Bank. You can get up to $500 per day.

The app also helps you build your credit score with low APR loans. However, you’ll have to pay $19.99 per month for periodic loan payments and Credit Builder Plus membership.

MoneyLion offers crypto services via Zero Hash. It lets you buy and sell bitcoins and other popular cryptocurrencies swiftly.

With Round Ups, you can invest your spare change into cryptocurrencies. However, note that the crypto services are not available to users in New York and Hawaii.

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5. Earnin

The Earnin app helps you access your money when you want it. With over 13 million downloads, it’s a widely used money management app, far more than FloatMe.

With Earnin, you don’t need to wait until payday to access your money. You can get up to $100 per day or $500 per paycheck. Either option is more gainful than FloatMe.

To use Earnin, you have to connect your bank account and provide your employment info. It’s necessary so the app can recognize your pay schedule.

You can add your earnings manually or automatically with the Automagic Earnings feature. For the former, you have to provide your electronic timesheet.

The app protects you from overspending with Balance Shield Alerts.

You will receive instant alerts when your account balance drops below your set limit. FloatMe has a similar feature with Overdraft Predictions & Alerts.

Earnin doesn’t charge any usage fees. There’s no interest on cash advances and no hidden costs. You can voluntarily tip the platform to support the community.

Furthermore, your privacy is safe with Earnin as the app doesn’t sell or share user data.

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6. Klover

If you need an instant cash boost, you can try Klover. Just like FloatMe, the primary aim of the app is to help users receive payment early.

It’s an easy-to-use app that offers up to $100 in extra cash, twice what you get with FloatMe. With 256-bit encryption, your data is secure when you use Klover.

You get cash advances without interest, credit checks, or hidden fees. Notably, you can pay it back whenever you want as there’s no payback period.

The amount you can receive increases with time as you earn points. You can earn points by answering simple questions or completing simple tasks like watching an ad or scanning receipts.

However, the app features more budgeting tools to help you control your spending and become financially stable.

The innovative tools will help you avoid insecure lending, expensive loads, and overdraft fees. You can also monitor your credit and optimize your task savings.

However, you must be a Klover+ subscriber to access most of these features. A Klover+ subscription costs $2.49 per month, slightly more expensive than FloatMe.

Nevertheless, unlike FloatMe, there are options to win money per day with Klover. You can win cash with Sweepstakes by buying tickets with points.

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7. Empower

One of the noteworthy apps like FloatMe is Empower.

If your primary interest is improving your credit, this is an ideal app to use. Empower aims to make credit affordable, accessible, reliable, and fair.

The platform gave out over $100 million in cash advances in 2021 alone. You can get up to a $250 cash advance with Empower.

It’s a lot higher than FloatMe, but you start with $25 and increase your limit with time, as you keep using the app.

Empower Thrive offers higher opportunities as you can get a cash advance of up to $1,000, beginning at $200.

To qualify for the Empower instant cash advance, you only need to link your payroll-receiving account to the app.

You don’t need to make any security deposit or have a particular credit score to qualify. Your account activity is the main deciding factor.

You can receive your cash advance on your Empower card or an external checking account. Using the Empower card is an advantage as you get paid up to two days earlier.

Furthermore, the cash advance delivery is instant, and you can use the card at 37,000 MoneyPass ATMs without paying a fee.

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8. Cleo

The Cleo app has over a million downloads on the Google Play Store alone, a testament to its popularity. With this app, you’ll learn to build credit, budget better, and avoid overdrafts.

Money management is easy with Cleo. The app features a credit builder card that helps you spend tactfully. You only need to make a security deposit, and the app will ensure you don’t go over your limit.

The card and credit repayment costs are $14.99 per month. With $100 in cash advances, Cleo doesn’t offer as much as other apps like FloatMe on this list.

Nevertheless, an advantage of using Cleo over FloatMe is the cash rewards. You earn as you spend, and you only need to use your card at least once a month to qualify.

The credit builder card also keeps track of your credit score, so you can see how it’s improved from month to month.

For saving money, Cleo offers exclusive tools, including Smart Save, Swear Jar, Rounds Ups, and Set & Forget.

Cleo doesn’t store your bank details, and it’s 256-bit encrypted. It’s a safe app to use as it’s also affiliated with WebBank, an FDIC member bank.

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9. Possible Finance

“Fast Cash & Credit” is what you get if you use the Possible Finance app. About three million people already use this app to improve their financial condition.

With the Possible Finance app, you can borrow up to $500. Unlike FloatMe, Possible Finance doesn’t immediately deduct used earnings on paydays.

There’s no interest or late fees, and you can pay the advance in four installments.

FloatMe doesn’t impact your credit score, no matter your repayment history. Possible Finance, on the other hand, reports repayments to Experian and TransUnion.

Therefore, you can build your credit history and improve your credit score if you pay on time.

There’s also the Possible Cash solution that lets you get up to $200 instantly. Like the former, there’s no interest or late fees, and you can repay on your next payday.

You can get real-time support anytime if you have any problems with the app. The support is available even on weekends.

10. Current

You can spend and save with Current, but most importantly, you can earn rewards. To earn rewards, you only need to use your Current card at any of the 14,000 participating merchants.

You get about 15x points each time, and you can redeem these points for cash within the app.

Similarly, you can use the card at over 40,000 supported ATMs to withdraw cash without paying fees. Such rewards are not available with FloatMe as the app doesn’t offer a debit card.

Both FloatMe and Current help prevent overdrafts. However, while FloatMe uses predictions and alerts, Current helps you avoid overdraft fees with the exclusive Overdrive option. You can overdraft up to $200 free, starting at $25.

Saving with this app is also remunerative. You earn up to 4.00% APY as interest, which is far higher than the interest traditional banks offer.

You get 24/7 access to your savings. There are no restrictions, and you can withdraw them at any time.

Furthermore, the Current app is ideal to use if you’re particular about security.

It features options to block in-app transactions, supports Face ID and fingerprints, and offers protection with FDIC insurance of up to $250,000.

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11. DailyPay

DailyPay works like FloatMe as it lets users access their money before payday. However, the difference between both platforms is that DailyPay also accommodates employers.

As an employee, the app curates your Pay balance every week as you work. You can withdraw this Pay balance at any time, and you’ll receive it in your connected bank account instantly.

You can also withdraw funds to your debit, prepaid, or Pay card. It works even on weekends and holidays. You get the rest of your pay on your regular payday.

One of the best things about this app is the insights. You can conveniently monitor your spending via the Pay balance week in and week out.

You can turn on notifications to receive instant alerts whenever there’s a significant change to your Pay balance. It’s similar to the Overdraft Predictions & Alerts feature on FloatMe.

DailyPay operates a payment network that’s PCI-compliant and SOC II audited. It also uses 256-bit level encryption. As a result, it’s a safe and secure app.

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12. PayActiv

PayActiv is another similar app like FloatMe, except that it costs $0 to use. Also, unlike FloatMe, it’s viable for employers also.

More than two million people use the PayActiv app. The app helps you live by giving you access to money you’ve already earned. You don’t need to collect loans.

It helps you grow with tools to manage your spending and save more. You can use the PayActiv app for effective budgeting, particularly to determine how to pay off existing debts.

It helps you connect by bringing you announcements, alerts, and reminders from work. You won’t miss any important updates that require you to take action.

While FloatMe gives you a cash advance to cover unexpected bills, you can pay those bills directly with PayActiv using the digital wallet.

Employers also use the PayActiv app to facilitate salary payments. It helps them implement earned wage access so employees can access their money at any time.

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13. Ingo Money

With Ingo Money, you get a different banking experience, unlike anything with traditional banks. It’s a money management app like FloatMe, but with a different approach.

If you’re paid via a traditional paycheck, and you need an app like FloatMe for cashing them, this is the one.

You can cash almost any check, including personal, payroll, and business checks. The app supports checks from hundreds of U.S. financial institutions.

It saves you the stress of queuing at banks. All you need is a smartphone and an Ingo Money account, and you can cash checks anywhere and anytime.

To cash checks, you just need to upload front and back pictures for review. Review is swift, and if approved, you get your money instantly. There are no deposit holds.

You can receive your money into your bank account, prepaid card, or PayPal account. Not many apps like FloatMe support PayPal.

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14. Even

Even gives you access to up to 50 percent of your upcoming paycheck. It doesn’t limit you to $50 like FloatMe.

If your paycheck is $1,000, you can get up to $500 if you qualify. The app doesn’t charge fees or interest, and you get your funds instantly.

You can also use Even for automatic saving, with a 2x higher interest rate than traditional banks. FloatMe doesn’t offer such a solution.

To save, you just need to stipulate a percentage of your paycheck, and you can adjust the amount at any time.

The budget filter keeps you informed on your expenses. It makes budgeting easy as you get an overview of what to spend and what not to.

The app lets you track your work schedule to know precisely how much you make per shift compared to your paycheck. It helps avoid underpayment.

However, while anyone can use FloatMe, you can only use the Even app if your employer is in partnership with the company.

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15. Chime

Like FloatMe, Chime gives you instant access to the money you earn. However, Chime is more prevalent than FloatMe with over 10 million downloads on the Google Play Store.

Furthermore, Chime grants you up to $200 in cash advances, quadruple what is obtainable with FloatMe.

With the Chime Visa Credit Builder Card, you can improve your credit score as you repay. As mentioned before, using FloatMe doesn’t affect your credit score, irrespective of your repayment history.

In further contrast to FloatMe, Chime integrates with banking services such as Stride and The Bancorp Bank. It allows users to safely access their online checking bank accounts.

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Bottom Line

There are many other apps like FloatMe, but the above list features the best ones. You can go for any that meets your requirements.

Overall, Brigit is recommended. The app gives you 5x more in cash advances than FloatMe. Albert is another good option, especially if you need expert advice to manage your funds better.

About Author

Tom loves to write on technology, e-commerce & internet marketing. I started my first e-commerce company in college, designing and selling t-shirts for my campus bar crawl using print-on-demand. Having successfully established multiple 6 & 7-figure e-commerce businesses (in women’s fashion and hiking gear), I think I can share a tip or 2 to help you succeed.