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Best payday loan apps 2021

Surveys show that millions of Americans are now living from paycheck to paycheck. This makes it extremely difficult to attend to financial emergencies.

Do you have a financial emergency?

If you don’t have an emergency fund, it can be extremely difficult to deal with unexpected financial issues. These are things to do with car repairs, medical bills, or even the repair of an important home appliance.

At times, your paycheck might be days away and family or friends are also too broke to lend you cash. In this case, you might consider applying for a personal loan or a payday loan.

Are payday loans worth it?

As you already know, getting a payday loan is the fastest way to get out of a financial emergency. But again, these loans come with extremely high-interest rates. If not careful, the loans can lead you to a debt trap. Getting out of this trap may not be as easy as you think.

Introducing payday apps

Now that you already know how payday loans work, you might want to consider another option.  One of the best options available is applying for a loan through payday apps.

Here, we are going to discuss these apps and how they can help when you need quick cash for emergencies.

6 apps to get 100% interest-free payday loans

 There are varied reasons why people apply for short-term loans.  It doesn’t matter what you need the money for. These apps can get you covered until your paycheck arrives.


Earnin is one of the best apps that allow consumers to borrow cash with their next paycheck as security. These loans do not come with interest rates or fees attached.

Earnin can be the best app if your salary is directly sent to your bank account.

Here is how the process works;

  •       You first of all signing up for the app
  •       Next, the app directs you to your bank account where you confirm your payment schedule
  •       While confirming, the app also calculates your average hourly pay
  •       After getting an idea of how much you earn per hour, it records the amount you earn every day while at work.  It can either track using your phone’s GPS or you can upload your timesheet.
  •       Next, you can withdraw wages that aren’t yet paid based on what the app has recorded.
  •       As soon as your paycheck arrives, the app deducts this money directly from your bank account

What to expect

When you use Earnin for the first time, you can withdraw as much as $100 per pay period.  But once you become a regular user, the app allows you to withdraw over $500 per pay period. 

Note that this service won’t cost you any fees or interest.  But you are free to give tips depending on how deep your pocket is.


If you are tired of overdraft fees, dave can be a good option for you.  This is an app that offers cash advances. The app helps consumers avoid expensive bank overdraft charges.

Just like Earnin, Dave does not charge any fees or interests. It instead relies on tips.

Users are also required to pay a monthly membership fee.

  •       First, you connect the app with your checking account
  •       The app then alerts you when your bank balance is too low to attract an overdraft
  •       It then allows you to get a cash advance that can cover a financial gap until your paycheck arrives
  •       You can either repay the cash advance manually or
  •       The app will deduct the borrowed funds directly from your bank account

What to expect

Dave, first of all, allows you to manage the day-to-day expenses. Secondly, the app can also help you find an additional source of income.

With a quick side hustle, you won’t have to worry about the expensive bank overdrafts again. 

The side hustle will ensure that you get money for emergencies and other short-term needs until your paycheck arrives.

Dave is a cheap service that only costs $1 in membership fee per month.  You can even tip the service, but this is optional.


Bridgit is also an app that can help you cover a financial gap before your next payday. Before working with the app, you should first link it with your check account. The requirement here is for your checking account to;

  •       Be at least 60 days old
  •       Record a minimum of three direct deposits from employment

After setting up an account, you can then request a cash advance with your upcoming paycheck.  The maximum cash advance you can qualify for is $250 based on your income.

Brigit has one unique feature that makes the app extremely popular. That is, it transfers cash directly to your bank account once it notices that you are about to overdraw the account. 

On top of that, the app also helps users find an alternative source of income.  This can help put your finances back in order.

What to expect

It is free to have an account with the app. But with a basic membership, there are a few features important that you won’t access. 

You can therefore upgrade your membership by paying $9.99 per month. 

You can access a cash advance immediately as and when you need quick cash.


Current, this is a checking account that is only accessible via a mobile application. The aim of this app is to help consumers spend less in terms of fees.  It also educates consumers on how to spend their money wisely.

With Dave, you can get the money you need before your paycheck arrives.  You can use the money to cover an emergency or any short-term need. 

Users can also overdraft their accounts for free (up to $100).

What to expect

Just like Brigit, Current has both the free and paid versions. With the paid version, you have to part with $4.99 per month.  You can then have access to all the app’s features. 

The paid version has a 30 days free trial. This can help you decide whether or not this service is the best option for your needs.


 Anyone can use the chime app if he or she has a Chime’s spending account. This app allows users to get their paycheck up to two days earlier.

Once you make a transaction, the app sends a notification. 

It then updates your account balance immediately. You can even disable any transactions that were not authorized by you.

Additionally, users can also access SpotMe. This service gives you the chance to overdraw your account without paying any fees.

As soon as your paycheck arrives, the app automatically deducts the funds. It is a useful feature if an emergency arises before your paycheck arrives.

What to expect

It is free to use the app. It does not charge any fee or interest. Instead, the app earns money every time you swipe your debit card. 

You can enjoy plenty of useful features and at the same time get the money you need for emergencies.


MoneyLion is also worth considering if you need instant cash for short-term needs. It allows you to get your paycheck up to two days faster. 

The app provides small short-term loans with no fees or interest. Users can also enjoy the app’s Instacash option.  

What to expect

You can get a cash advance of up to $250 with no fees or interest attached.  The only fee charged in the transaction is the expedited transfer fee.

You can still avoid this fee if you don’t need the money immediately.


With the current economic conditions, most people do not have an emergency fund. This makes it difficult to attend to short-term financial needs.

The situation can even be worse if you have an emergency like car repairs or medical bills.  This apps however can be a relief to many people who need quick cash. 

This can help you cover a financial gap before your payday. It is however important to remember that accessing your money earlier means getting a lesser amount on your paycheck. 


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