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Apps like FloatMe – Top 15 Best Alternatives for FloatMe

Discover alternative financial tools with apps like FloatMe, which provide flexible and accessible cash advance options. Learn about their features and benefits to make more educated decisions.
Apps like FloatMe
Apps like FloatMe – Top 15 Best Alternatives for FloatMe
This comprehensive guide navigates through a selection of apps akin to FloatMe, highlighting their distinct functionalities and security measures.
In this article

In a world where financial stability is paramount, apps like FloatMe have become increasingly popular for their ability to provide timely assistance and financial management tools. However, numerous alternatives exist in financial management applications, each offering unique features and benefits.

Apps like FloatMe – Top 15 Best Alternatives for FloatMe

Exploring finance apps like FloatMe reveals various features that transform mobile-based financial management strategies. 

Beem

trybeem
Apps like FloatMe - Top 15 Best Alternatives for FloatMe 15

Beem, a versatile app, offers credit monitoring and tax filing. Its Everdraft™ feature provides instant cash advances of $5 to $1,000 during emergencies.

Sending limits

Transact $1-$1000, except instant debit card withdrawal (min $5). Limits: $100 (unsubscribed) or $150 (subscribed).

Data security

Beem emphasizes safeguarding user privacy, ensuring data security comparable to financial institutions, and protecting deposits via trusted partner measures.

MoneyLion

apps like floatme - moneylion
Apps like FloatMe - Top 15 Best Alternatives for FloatMe 16

MoneyLion, a comprehensive mobile app, integrates banking, investing, and credit-building loans and provides up to $500 cash advances. Eligible users access rapid Instacash.

Pros

  • Instacash provides quick access to $500.
  • Various financial services are offered.
  • No credit verification is required.

Cons

  • Requires linked bank accounts.
  • Monthly fee: $19.99.

Sending limits

Transfer limits: $1,500 daily, $2,500 weekly, and $3,500 monthly to meet specified constraints.

Data security

MoneyLion emphasizes secure transactions and recommends users review privacy policies, fees, and prerequisites before subscribing to services.

Brigit

apps like floatme- brigit
Apps like FloatMe - Top 15 Best Alternatives for FloatMe 17

Brigit offers a credit of up to $250 without conducting credit checks, providing flexible repayment choices and a credit-building attribute.

Pros

  • Flexible repayment timetable.
  • Free extension for repayments.
  • Credit-building feature.

Cons

  • Standard delivery: 1-3 days.
  • Users observed varying loan limits.
  • Substantial subscription fees.

Sending limits

Brigit provides instant borrowing of up to $250 with a 20-minute delivery for a fee.

Data security

Brigit emphasizes safeguarding user privacy and financial well-being through secure data measures, providing flexible repayment options, and a credit-building aspect.

EarnIn

apps like floatme- earnin
Apps like FloatMe - Top 15 Best Alternatives for FloatMe 18

Earnin permits withdrawals up to $750 per pay cycle, emphasizing flexibility without fees, interest, or needing an extra debit card.

Pros

  • Withdrawals up to $750 per pay cycle.
  • No credit checks or interest charges.

Cons

  • Requires verification of work timesheets.
  • Designed for regular pay cycles, limiting use for freelancers.

Sending limits

Up to $100 daily [maximum of $750 per pay period]

Data security

Earnin emphasizes data security, uses bank accounts without fees, and aims to foster trust during financial challenges with its cash-out features.

Albert

apps like floatme - albert
Apps like FloatMe - Top 15 Best Alternatives for FloatMe 19

Albert offers fee-free cash advances up to $250, processed in 2-3 days, emphasizing security and financial inclusivity.

Pros

  • Optional debit card provision.
  • No credit check is required.
  • Zero interest charges.

Cons

  • Extended regular delivery duration.
  • Restricted access to specific banking amenities.

Sending limits

Albert offers cash advances up to $250, accessible in 2-3 days, with quicker access available for an extra fee.

Data security

Albert focuses on user data security and privacy during financial transactions while providing cash advances and flexibility.

Dave

apps like floatme - dave
Apps like FloatMe - Top 15 Best Alternatives for FloatMe 20

Dave allows advances between $25 to $500, with a low $1 subscription fee, suitable for minor emergencies, but requires access to income and spending details.

Pros

  • Up to $500 maximum advance limit.
  • No late payment penalties.

Cons

  • Necessitates reviewing income and spending data.
  • Users are concerned about changes in maximum advance amounts.

Sending limits

Dave provides flexible processing options for advances ranging from $25 to $500, accommodating varying needs.

Data security

Dave emphasizes data security by accessing income and spending details to ensure user confidentiality through protective measures.

Empower

apps like floatme - empower
Apps like FloatMe - Top 15 Best Alternatives for FloatMe 21

Empower offers fast loans up to $250, processed within a day, featuring cashback perks on its debit card for an $8 subscription fee.

Pros

  • Loans are processed in a day.
  • Cash advances don’t require subscriptions.

Cons

  • Subscription cost: $8 for banking services.

Sending limits

Empower offers swift processing for loans up to $250, accessible within a minute to one business day, ensuring speedy fund access.

Data security

Empower emphasizes swift loan processing, safeguarding user data, and offers a cashback debit card, ensuring secure financial transactions.

Varo

apps like floatme - varo
Apps like FloatMe - Top 15 Best Alternatives for FloatMe 22

Varo provides Cash Advances, Early Wage Access, and transparent account services, free from monthly fees or undisclosed charges for account holders.

Pros

  • Provides cash advances up to $250.
  • Early wage access, receiving paychecks two days in advance.
  • No monthly fees or concealed charges for Varo account services.

Cons

  • Fees for cash advances vary from $1.60 to $40 based on the advance size.
  • Eligibility demands a minimum of $800 in recent month’s direct deposits.

Sending limits

Varo permits cash advances up to $250, potentially increasing to $500 for qualified long-standing customers, with fees that differ according to the advance size.

Data security

Varo guarantees transparent fees and prioritizes user data security for its account holders, ensuring no hidden charges and safeguarding user information.

Also Read: Apps like Empower

Chime

apps like floatme - chime
Apps like FloatMe - Top 15 Best Alternatives for FloatMe 23

Chime identifies overdrafts up to $200 without fees, addressing users’ financial requirements without credit checks, although certain conditions restrict access.

Pros

  • No monthly fees are required.
  • No credit checks are necessary.

Cons

Necessitates having a Chime debit card.

Requires a $200 deposit for eligibility.

Sending limits

The number of transactions for Pay Anyone is unlimited, although transfer limits differ based on specific criteria.

Data security

Chime emphasizes data security and provides immediate overdraft detection for ease of access.

Klover

apps like floatme - klover
Apps like FloatMe - Top 15 Best Alternatives for FloatMe 24

Klover offers up to $100 cash advances, supplemented by bonus points for activities, credit monitoring, and savings goal assistance.

Pros

  • No compulsory charges.
  • Prevents overdrawing of users’ accounts

Cons

  • Three-day wait for advances to reach accounts.
  • No flexibility to extend repayment deadlines.
  • Elevated fees for quick funding.

Sending limits

A maximum of $250 daily or $5,000 monthly for ACH transfers from linked checking accounts.

Data security

Klover employs varied security measures for Personal Information; data retention aligns with legal obligations and service provisions.

Cleo

apps like floatme - cleo
Apps like FloatMe - Top 15 Best Alternatives for FloatMe 25

Cleo offers new borrowers up to $70 without fees, and they can opt-in for advances at $5.99/month, featuring no credit checks.

Pros

  • User-friendly interface.
  • AI’s conversational style adds enjoyment.
  • No credit verification is required.

Cons

  • Limited cash advance amounts.
  • Not supported by FDIC-insured banks.

Sending limits

Specific details regarding sending limits are currently not available.

Data security

Cleo ensures data security with encryption and agreements, safeguarding personal information from unauthorized access.

Even

apps like floatme - even
Apps like FloatMe - Top 15 Best Alternatives for FloatMe 26

Even lets you access up to half of your earnings once your employer joins, ensuring quick access within a day.

Pros

  • Access to paycheck cash advances.
  • Cash pickup is available at Walmart.

Cons

  • Employer partnership is required for participation.
  • Cash advance frequency set by the employer.

Sending limits

Specific details regarding sending limits are currently unavailable.

Data security

Even prioritizes encryption and data protection, ensuring secure money management for user peace of mind.

Possible Finance

apps like floatme - possible finance
Apps like FloatMe - Top 15 Best Alternatives for FloatMe 27

Possible Finance differs from typical cash advance apps, offering short-term installment loans without direct deposits or fees.

Pros

  • Visa card enables same-day processing.
  • No credit verification.
  • Absence of membership charges.

Cons

  • High APRs up to 460%.
  • Restricted availability in certain states.

Sending limits

Instantly borrow up to $500, pay in installments, without late fees, aiding credit building.

Data security

Possibly implements measures to safeguard data but cannot guarantee absolute security; emphasizes user responsibility.

Branch

apps like floatme - branch
Apps like FloatMe - Top 15 Best Alternatives for FloatMe 28

The branch serves employees and gig workers, requiring employer or client enrollment and facilitating payments to bank accounts or debit cards.

Pros

No fees for advances unless for instant money.

No charges for membership.

Cons

  • You are required to possess a debit card from a supported bank.
  • Inaccessible for remote employees.

Sending limits

Restricted maximum advance amounts.

Data security

The branch prioritizes data security with measures against unauthorized access or disclosure of information.

Which FloatMe Alternative Is Right for You?

Deciding on the ideal alternative to FloatMe hinges on individual preferences, financial needs, and each app’s specific features. Consider your priorities—immediate cash assistance, long-term financial management, investment opportunities, or comprehensive budgeting tools.

Conclusion

In a landscape teeming with financial management apps, the search for a FloatMe alternative narrows down to aligning individual preferences with an app’s unique features, sending limits, data security measures, and overall suitability for your financial requirements. Explore these alternatives thoroughly to find the perfect match that complements your financial goals and empowers your journey toward financial well-being.

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Author

Team Beem

Team Beem

Team Beem brings you the latest in the world of personal finance to you. From tips and tricks on how to manage money to how to get cash for emergencies, Beem is your destination for all the information you need to be smart about your money.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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