If you’re short on cash and need help covering expenses before your next paycheck, cash advance apps are one of your best options. These solutions provide quick access to earned wages, sometimes as early as a couple of weeks before your scheduled payday, reducing the stress caused by unexpected bills.
Tilt (formerly Empower) is one of the most well-known apps. It offers cash advances ranging from $10–$400, as well as financial tools to help manage your personal finances.
But it’s not the right fit for everyone. If you’re on the fence about choosing the app or are looking for something a little different, read on as we explore what Tilt offers and look at some of its top alternatives.
Tilt is a strong contender in the cash advance market because it offers:
While it’s an attractive option, it has some drawbacks that make people seek alternatives, including:
If Tilt doesn’t meet your personal financial needs, there are plenty of alternatives, some of which would be better suited to your needs.
Even with a list of apps like Tilt, choosing the right one can be challenging if you don’t know what to look for. We’ve done the homework for you. Here are some of the most important factors to consider:
Apps have varying limits. Some offer advances ranging from $10–$50, while others go as high as $1,000.
Consider your current needs when choosing which option:
Note that higher limits often come with stricter requirements. You’ll likely need to show proof of income and multiple consistent deposits, as well as have a positive repayment history. Most apps will likely start you off with a small amount, then grow your limit over time if you follow their rules.
Fees can eat up a portion of your advances, sometimes defeating the purpose of getting money early. So, carefully assess each Tilt alternative’s costs before requesting their advances.
Some of the most common types of fees include:
Calculate the total cost of requesting an advance from each potential app to determine if it’s worth it. If an option’s fees are too high, consider other alternatives.
Getting cash advances is pretty straightforward, as long as you meet an app’s requirements. Read through the qualification criteria to determine your chances of approval before making your final choice.
While eligibility requirements vary by app, some common ones include:
Many apps focus on your ability to repay. So, you’ll likely qualify for multiple apps if you have a consistent income.
While a cash advance feature is great, it works best when combined with financial management tools. Look for extras like:
Want to get a cash advance quickly without incurring Tilt’s fees? Here are 12 alternatives worth considering:
Klover offers cash advances of up to $400 with no credit checks or membership requirement, making it accessible to the 49.5% of Americans with good to poor credit scores. Our advances are interest-, membership-, and late-fee-free, and are available even if your payday is two weeks away.
Unlike Tilt, we’re pretty open about our requirements — to qualify, we require at least three consistent direct deposits from your employer. We’re also transparent about how to increase your advance limit. You can do this by earning points through tasks like:
Further, we don’t pressure you into giving a tip. All you owe is the amount we advance to you.
Other features
Trade-off
Ideal for: People who want to bridge financial gaps and cover small expenses between paydays hassle-free
Download Klover to access your cash today.
Dave provides cash advances through its ExtraCash feature. The app offers up to $500 with no credit checks, interest rate charges, or late fees.
It’s also fairly quick, as it transfers funds almost instantly when using a Dave checking account. However, you need to wait up to an hour when using an external account.
To qualify for a Dave advance, you need:
Other features
Trade-offs
Ideal for: Users who need moderately large advances and are okay with paying a monthly membership fee
Brigit offers advances of up to $250 with no credit checks, interest, late fees, or tipping required. If approved, they deposit funds into your account within two to three business days. You can also opt for instant delivery for a small fee.
To qualify for Brigit advances, you need an active bank account (at least 60 days old), a minimum balance of $0, and three recurring deposits from the same account.
Other features
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Ideal for: Users looking for payment flexibility who don’t mind a subscription
EarnIn offers cash advances of up to $150 per day and a maximum of $750 per pay period, with no mandatory fees, interest, or credit checks. Funds typically take one to three business days to reach your account, but you can opt for instant delivery for an additional fee of $3.99 (minimum).
To qualify for Earnin advances, you need:
Other features
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Ideal for: Individuals with a consistent employer who want higher potential limits
MoneyLion offers cash advances of up to $500 through its Instacash feature. Like many advance apps, it has no credit checks, interest charges, or mandatory fees. Delivery takes one to five days, but you have an instant delivery option (for a fee).
To qualify for Instacash advances, you need an active account (at least two months old) with consistent deposits and a positive balance.
Other features
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Ideal for: People looking for cash advances bundled with other financial products
Albert offers cash advances of up to $1,000, with no credit check, late fees, or interest. Transfers are almost instant and free to Albert Cash, but they take two to three business days (and a fee) when working with external accounts.
To qualify, you must have an active bank account with a long transaction history. While the app doesn’t require direct deposits, they can help raise your limit.
Other features
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Ideal for: Users looking for a solution with extra features like investing and saving
Chime is a financial technology app that offers interest-free advances of up to $500 via MyPay. Transfers to your Chime checking account typically occur within 24 hours or instantly for a fee.
To qualify, you need a Chime Checking Account with at least two direct deposits of $200 in the last 36 days, or one qualifying deposit from a known government benefits payer.
Other features
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Ideal for: Chime users in supported states
Cleo offers advances of up to $250 with zero interest charges and no credit checks. Standard transfers (three to four days) are free, but a small charge applies for instant deposits.
The app uses AI to determine whether you qualify and how much to advance.
Other features
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Ideal for: People looking for an AI financial assistant, plus small occasional advances
PayActiv is an earned wage access (EWA) app that can advance up to 50% of your earnings, interest-free. Transfers take one to three business days fee-free, but you can opt for a real-time transfer for a fee.
To qualify, you must work at a company that uses PayActiv.
Other features
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Ideal for: Employees whose workplaces support PayActiv
FloatMe is a no-interest advance app offering up to $50 to new users. Transfers take one to three days, but you can choose instant delivery for $1–$7, depending on your advance amount.
To qualify, you must have a full-or part-time job and consistent direct deposits of at least $150 per pay period.
Other features
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Ideal for: People with small short-term financial needs who don’t mind a monthly membership fee
Even (now ONE@Work) is an employer-focused app that allows you to tap into earned wages before your scheduled payday — with no credit checks involved. Advances vary per person, but you can access up to 50% of your earnings.
Like many EWA apps, you can only access Even’s advances if your employer offers it as a benefit.
Other features
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Ideal for: Employees in companies that have partnered with ONE@Work for EWA
Branch is also an employer-dependent app that provides early access to earned paychecks.
It doesn’t offer fixed limits; instead, it gives you a portion of your paycheck (typically 50%), with no interest or credit checks involved. Fees range between $1 and $2.99 per transaction, but the app could be free for you if your employer covers the cost.
Other features
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Ideal for: Employees whose companies have partnered with Branch who want fast access to earned pay
While cheaper than other funding options (like payday loans), cash advance apps can impact your long-term financial stability when misused. To protect your financial future, use them responsibly:
Relying on cash advance apps for short-term financial support is completely normal. These apps provide immediate relief and help prevent overdraft fees, which can alleviate some of your stress.
Of course, this is only possible if you choose the right one. Review every option’s cash limits, fees, and features, and choose one (or multiple) that best meets your unique needs.
Klover is a top choice for cash advances. We offer up to $400 with zero credit checks, interest charges, monthly memberships, or late fees — as well as budgeting and credit tools to help improve your personal finances.
Download Klover to access instant cash advances and take control of your finances.
