Brigit Review

What it costs, in dollars

Read the fees and the total repaid, not only the advertised rate.

Requirements

What the lender says you need before it will consider you.

• ✓Account active 60+ days, balance above $0, 3+ recurring deposits from the same source, Brigit score 40+.

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

Where it's available

• AK
• AL
• AR
• AZ
• CA
• CO
• CT
• DC
• DE
• FL
• GA
• HI
• IA
• ID
• IL
• IN
• KS
• KY
• LA
• MA
• MD
• ME
• MI
• MN
• MO
• MS
• MT
• NC
• ND
• NE
• NH
• NJ
• NM
• NV
• NY
• OH
• OK
• OR
• PA
• RI
• SC
• SD
• TN
• TX
• UT
• VA
• VT
• WA
• WI
• WV
• WY

We're still verifying where this is offered.

How we scored it

• Cost transparency (25%)6 / 10

  Subscription required

• Total cost vs. peers (20%)6 / 10
• Accessibility (20%)7 / 10
• Speed (10%)8 / 10
• Repayment flexibility (10%)6 / 10
• Customer experience (15%)8 / 10

  Desk research 24 Sep 2026 — BBB A+ (not accredited); FTC settlement Nov 2023 ($18M refunds, deceptive promises/blocked cancellation); app 4.8★.

  Sources: ftc.gov; bbb.org

Cheaper options to check first

Nothing cheaper is verified for this situation yet.

Similar lenders

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 ↓Show less ↑

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

MoneyLion Instacash

Advances up to $500 — or $1,000 with a RoarMoney direct deposit — with no mandatory fees.

Score 6.9 →

Still an option for

Checking account 60+ days old with three recurring direct deposits from the same employer.

Amount

$25–$1,000

Term

Repaid on your next payday

Speed

Free in 1–5 business days; instant (Turbo) for $0.49–$8.99.

One honest con

Turbo fees and tip prompts; standard delivery can take up to 5 business days to an outside bank.

See rates at MoneyLion Instacash →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. Turbo delivery $0.49–$8.99. Up to $500 standard, up to $1,000 with RoarMoney direct deposit.

Best for

Salaried workers who can move direct deposit to RoarMoney for a higher limit.

See the full cost and what you need ↓Show less ↑

Instacash

$25–$1,000

Term

Repaid on your next payday

Payments

Auto-debit on payday (defer up to 2 weeks once per cycle)

No mandatory fees. Turbo delivery $0.49–$8.99. Up to $500 standard, up to $1,000 with RoarMoney direct deposit.

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

Not for: People with irregular deposits; anyone who needs money today without paying a Turbo fee.

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 ↓Show less ↑

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.