Cheaper options first

Loans Like MoneyLion Instacash

3 alternatives, cheapest first

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Cheaper than MoneyLion Instacash

We haven't verified a cheaper option that fits here yet. Free help is always step one.

Similar to MoneyLion Instacash

Step 3 · Paycheck advance apps

EarnIn

Access pay you've already earned, with no mandatory fees.

Score 8.0

Still an option for

Steady paycheck with a consistent schedule and a linked checking account. Not available in Connecticut.

Amount

$0–$150

Term

Repaid on your next payday

Speed

Free in 1–2 business days; about 30 minutes with Lightning Speed ($3.99–$5.99).

One honest con

Tips and speed fees add up if you use it every pay period; limits vary by user.

See rates at EarnIn →Read our review

Opens the lender's site. We may be paid if you apply.

Availability varies by state.

Last verified September 24, 2026

No mandatory fees. Optional tips. Lightning Speed $3.99 (under $75) to $5.99 (over $75). Up to $150 per day and $1,000 per pay period.

Best for

W-2 and hourly workers who need up to $150/day, $1,000+/pay period, and can wait a day or two.

See the full cost and what you need ↓

Cash Out

$0–$150

Term: Repaid on your next payday
Payments: Auto-debit on payday

No mandatory fees. Optional tips. Lightning Speed $3.99 (under $75) to $5.99 (over $75). Up to $150 per day and $1,000 per pay period.

What you need: Linked checking account, verifiable work/pay schedule, direct-deposit history.

Not for: Gig workers with irregular pay; anyone who needs more than their earned wages so far.

Step 3 · Paycheck advance apps

Dave ExtraCash

Up to $500 before payday with a flat percentage fee.

Score 6.8

Still an option for

Bank account active 60+ days with recurring deposits.

Amount

$5–$500

Term

Repaid on your next payday

Speed

Free in 2–3 business days; instant with a fee.

One honest con

Membership of up to $5/month plus a 5% fee per advance ($5 min, $15 max), plus 1.5% for express to an outside bank.

See rates at Dave ExtraCash →Read our review

Opens the lender's site. We may be paid if you apply.

Availability varies by state.

Last verified September 24, 2026

Membership up to $5/month + 5% per advance ($5 min, $15 max) + 1.5% express fee to an outside bank; free to a Dave checking account or by ACH in 2–3 days.

Best for

People who need a predictable, one-time fee and up to $500.

See the full cost and what you need ↓

ExtraCash

$5–$500

Term: Repaid on your next payday
Payments: Auto-debit on payday

Membership up to $5/month + 5% per advance ($5 min, $15 max) + 1.5% express fee to an outside bank; free to a Dave checking account or by ACH in 2–3 days.

What you need: Linked account active 60+ days, recurring deposits, 18+, US address, SSN.

Not for: Anyone who will use it every month — the 5% fee compounds quickly.

Step 3 · Paycheck advance apps

Brigit

Cash advances up to $500 bundled with budgeting and credit-builder tools.

Score 6.7

Still an option for

Bank account active 60+ days, positive balance, three recurring deposits from one source.

Amount

$50–$500

Term

Repaid on your next payday

Speed

Free in 2–3 business days; within 20 minutes for $0.99–$5.99.

One honest con

Requires a paid plan ($8.99 Plus or $15.99 Premium per month); Maine residents capped at $250.

See rates at Brigit →Read our review

Opens the lender's site. We may be paid if you apply.

Availability varies by state.

Last verified September 24, 2026

Requires Plus ($8.99/mo) or Premium ($15.99/mo). Express delivery $0.99–$5.99. Maine max $250.

Best for

People who will actually use the budgeting tools and want advances without tips.

See the full cost and what you need ↓

Instant Cash

$50–$500

Term: Repaid on your next payday
Payments: Auto-debit on payday

Requires Plus ($8.99/mo) or Premium ($15.99/mo). Express delivery $0.99–$5.99. Maine max $250.

What you need: Account active 60+ days, balance above $0, 3+ recurring deposits from the same source, Brigit score 40+.

Not for: Anyone who just needs a one-off advance — the subscription makes a single $75 advance expensive.

All of them side by side

Lender	Step	Amount	APR / fees	Availability
MoneyLion Instacash	3	$25–$1,000	No mandatory fees. Turbo delivery $0.49–$8.99. Up to $500 standard, up to $1,000 with RoarMoney direct deposit.	Varies by state
EarnIn	3	$0–$150	No mandatory fees. Optional tips. Lightning Speed $3.99 (under $75) to $5.99 (over $75). Up to $150 per day and $1,000 per pay period.	Varies by state
Dave ExtraCash	3	$5–$500	Membership up to $5/month + 5% per advance ($5 min, $15 max) + 1.5% express fee to an outside bank; free to a Dave checking account or by ACH in 2–3 days.	Varies by state
Brigit	3	$50–$500	Requires Plus ($8.99/mo) or Premium ($15.99/mo). Express delivery $0.99–$5.99. Maine max $250.	Varies by state

Questions people ask

Plain answers to the questions readers ask most often.

Is there anything cheaper than MoneyLion Instacash?

MoneyLion Instacash already sits near the top of our cost ladder. Free help and more time is still worth checking first.

What can I use instead of MoneyLion Instacash in my state?

Pick your state at the top of the page and every card on this list will show whether it lends there.

What does MoneyLion Instacash ask for?

18+, US resident, photo ID, checking account 60+ days old, 3+ recurring direct deposits from one employer.

Read our MoneyLion Instacash review →