Most employees need help in receiving their paychecks timely. Cash advance apps come rescues for such employees and are a popular choice for many brands, including Walmart. One@Work, formerly known as Even, serves over 900,000 people across the US.
It only includes employees whose employer is partnered with One@Work. But only one app cannot be the only solution. What if your employer is not partnered with this cash app?
Apps Like One@work – 9 Best Alternatives for One@work
Even if your employer does not work with One@Work, you can use many other cash advance apps and lenders that offer payday loans. Data privacy, pros, cons, and settlements might differ between these apps, but all these apps can provide solutions to delayed paychecks or emergency needs.
Sure, here’s the information presented in a table format, listing only the pros and cons of each app:
| App | Pros | Cons |
|---|---|---|
| Chime SpotMe | – No fees or tipping obligation – Low monthly direct deposit requirement of $200 | – Overdraft limits begin at $20 and max out at $200 – Utilizing a debit card or checking account from Chime is required – Purchases made with debit cards and ATM withdrawals are excluded from the overdraft – Sending limits |
| Cleo | – Cash advances up to $250 – No interest charged on cash advances – Support available with the free version | – Cash advance amount limits start low – Paid plan costs $5.99 a month – Mixed customer reviews – Sending limits |
| Albert | – No paid membership needed – No late fees or interest charges – May qualify for multiple advances per pay period – Paid membership has free instant delivery | – Poor customer reviews – Automatically enrolled in Genius free trial – Sending limits |
| Brigit | – Automatic overdraft protection – Only required regular direct deposits – Due date extensions | – Pricey $9.99 monthly membership fee – Poor customer reviews – Email support only – Sending limits |
| MoneyLion | – No paid membership required – Offers cash advances and credit -building loans – No interest or fees with cash advances – Free checking account with no overdraft fees | – Pricey $19.99 Credit Builder membership for the highest advances – Unclear benefits of each membership – Poor customer reviews – Sending limits |
| Possible Finance | – No credit check – Reports payments to credit bureaus – Fast turnaround time | – Fees are high – Low loan amount for installment loan – Limited state availability – Sending limits |
| Opploans | – Reports to Equifax, Experian and TransUnion – May be able to change payment due date – Wide state availability – No prepayment penalties | – Bank account must be at least 90 days old – High-cost loan – Must receive income through direct deposit – Sending limits |
| Cash App | – Multiple mobile banking features – No membership fees – Stock and crypto investing – Peer-to-peer payment system – Cash Card connected to app balance | – 5% flat fee on loans – Poor customer reviews – 10,496 BBB complaints – Loan availability limited – Sending limits |
| Earnin’ | – Large cash advance amounts – 24/7 live chat customer support – No membership fees – Positive customer reviews | – Advance amount depends on hours worked – Location tracking may be required – Requires regular payday schedule – Sending limits |
Isn’t it great to receive an early paycheck? With these apps, you can find solutions more easily. Here are some of the apps that are similar to one@work or even better:
Chime SpotMe
Chime Spotme is a popular choice for employees who seek early paychecks. They can provide as early as two days without membership or sign-up fees. They also cover overdrafts of up to $200 with their no-fee overdraft features.
Pros
Here are some pros of Chime SpotMe:
- No fees or tipping obligation
- Low monthly direct deposit requirement of $200
Cons
Here are some cons of Chime SpotMe:
- Overdraft limits begin at $20 and max out at $200
- Utilizing a debit card or checking account from Chime is required
- Purchases made with debit cards and withdrawals from ATMs are excluded from the overdraft
Sending limits
The loan amount ranges between $20 to @200.
Turnaround Time: Same Day
Data security
Payment Card Industry Data Security Standard (PCI DSS). Chime prioritizes robust data security measures to safeguard user information.
Cleo
Cleo is a budgeting App that offers both free and paid services. The free version is as user-friendly as the paid one. But you can enjoy overdraft protection, accrue cashback, and request a cash advance from the app if you get the paid version. One can also benefit from the cashback feature by using the Cleo wallet.
Pros
Here are some pros of the Cleo app:
- Cash advances up to $250
- No interest is charged on cash advances
- Support is available with the free version
Cons
Here are some cons of the Cleo app:
- Cash advance amount limits start low
- Paid plan costs $5.99 a month
- Mixed customer reviews
Sending limits
Loan Amount ranges between$20 to $250.
Turnaround Time: 3 to 4 Days. Same-day transfer costs around $3.99 in express fees.
Data security
According to Cleo’s privacy policy, data is utilized for security measures, uniquely identifying devices and storing application preferences, and is up to date in protecting sensitive data breaches.
Albert
Albert is a cash advance app offering all new users a 30-day free-of-cost trial period. You can get up to $250 in advance and apply for multiple advances with a good repayment history. The yearly membership costs around $96.
Pros
Here are some pros of the Albert Cash Advance app:
- No paid membership is needed
- No late fees or interest charges
- May be qualified for multiple advances per pay period
- A paid membership has free instant delivery
Cons
Here are some cons of the Albert Cash Advance app:
- Poor customer reviews
- Automatically enrolled in Genius free trial
Sending limits
Loan Amount: $25 to $250
Turnaround Time: 2 to 3 days or instant transfer with a $6 fee.
Data security
Albert monitors, audits, and improves their security systems to ensure that employee data is secure.
Brigit
Brigit is an excellent cash advance app that offers services to anyone over 18 and receives their paycheck directly into their account. Their paid premium membership costs $ 9.99 monthly, protecting them from overdrafts. This membership ensures instant funds transfer, and you can extend your due date.
Pros
Here are some pros of the Brigit cash advance app:
- Automatic overdraft protection
- Only required regular direct deposits
- Due date extensions
Cons
Here are some cons of the Brigit cash advance app:
- Pricey $9.99 monthly membership fee
- Poor customer reviews
- Email support only
Sending limits
Loan Amount: $50 to $250
Turnaround Time: 1 to 3 business days
Data security
Brigit employs robust 256-bit encryption, mirroring the security standards utilized by banks.
MoneyLion
MoneyLion is one of the few apps that offers quick loans up to $ 500. You can also increase your cash advance to $ 700 if you deposit it directly into your MoneyLion Account. With a monthly membership of $19.99, you can get cash advances up to $1000.
Pros
Here are some pros of the MoneyLion cash advance app:
- No paid membership is required
- Offers cash advances and credit-building loans
- No interest or fees with cash advances
- Free checking account with no overdraft fees
Cons
Here are some cons of the MoneyLion cash advance app:
- Pricey $19.99 Credit Builder membership for the highest advances
- The benefits of each membership are not clear
- Poor customer reviews
Sending limits
Loan Amount: $50 to $500
Turn Around Time: Upto 5 Days or instantly with a fee.
Data security
To protect personal information, MoneyLion uses Transport Layer Security (TLS). It also states that it maintains the confidentiality and security of its customers’ information.
Possible Finance
Possible Finance offers loans in case of absolute emergencies, along with providing cash advances. You must repay your loan within eight weeks; they charge a fee instead of interest rates. This fee varies from state to state. Funding is relatively quick without any cost.
Pros
Here are some pros of the Possible Finance cash advance app:
- No credit check
- Reports payments to credit bureaus
- Fast turnaround time
Cons
Here are some cons of the Possible Finance cash advance app:
- Fees are high
- The low loan amount for installment loan
- Limited state availability
Sending limits
Loan Amount ranges from $50 to $500.
Turnaround Time: Same day
Data security
Possible Finance ensures security is robust and secure. With efficient parameters to avoid potential data breaches, they provide enough protection against any such cyber threat.
Opploans
OppLoans offers $500-$4,000 installment loans with no credit check. While its interest rates may be higher than those of other personal loan providers, they may be lower than payday installment loans.
Pros
Here are some pros of the Opploans cash advance app:
- Reports to Equifax, Experian and TransUnion
- May be able to change the payment due date
- Wide state availability
- No prepayment penalties
Cons
Here are some cons of the Opploans cash advance app:
- The Bank account must be at least 90 days old
- High-cost loan
- Must receive income through direct deposit
Sending limits
Loan Amount: $500 to $4000.
Turnaround Time: Same day
Data security
To protect customer information, OppLoans uses industry-standard encryption technology. As well as verifying identity, OppLoans also secures account information with multiple tools.
Cash App
There might be no better app for all mobile banking needs than Cash App. A popular banking app in the App Store, Cash App Borrow lets eligible users borrow small amounts between $20 and $200 – but unlike cash advances, it charges a monthly fee of 5%.
Pros
Here are some pros of Cash App:
- Multiple mobile banking features
- No membership fees
- Stock and crypto investing
- Peer-to-peer payment system
- Cash Card connected to app balance
Cons
Here are some cons of Cash App:
- 5% flat fee on loans
- Poor customer reviews
- 10,496 BBB complaints
- Loan availability limited
Sending limits
Loan Amount: $20 to $200
Turnaround Time: Same Day
Data security
Millions of people use Cash App to pay monthly for its data security measures. Cash App’s advanced security features protect your personal information and transactions.
Earnin’
There is no membership fee or requirement to work for a specific company with Earnin. And there are no interest charges on advances. Tipping is optional. You can get more significant advances and faster delivery times if you choose Earnin’s Lightning Speed membership.
Pros
Here are some pros of Earnin:
- Large cash advance amounts
- 24/7 live chat customer support
- No membership fees
- Positive customer reviews
Cons
Here are some cons of Earnin:
- The advance amount depends on the hours worked
- Location tracking may be required
- Requires regular payday schedule
Sending limits
Loan Amount: Upto $750
Turnaround Time: 1 to 2 business days
Data security
Our community’s security is essential to EarnIn, so they release information about security vulnerabilities and issues so their members, community, and partners can be assured of their security.
Which One@work Alternative is Suitable for You?
Data security and protection are the top priority for these cash advance apps. But how do we select the right one for us? It is best to choose the alternative that suits the best. Each of these apps mentioned above has certain features that stand out. For example, Cleo is best for its budgeting features, while Chimes has unique over-drafting features. Along with the unique benefits, pay close attention to the cons of these apps.
The right app must have your required loan limit and minimum turnaround time. These cash advance apps are not chained to your jobs; you can get loans even if you switch jobs. These apps are much more convenient than any other form of lending. They might ask for a peek into your credit score to understand your financial situation, but such an overview has no after-effect.
Conclusion
Using one@work as your go-to cash app might be working great for you. But if your employer is not connected with them, you might be looking for an alternative. Any emergency, delayed paycheck, or any other incident can cause your need for quick cash. A payday loan can result in high interest rates, but cash advance apps are much more convenient for your problem.
These apps are fully secured, safe, and easy to use. They can work even if you switch jobs and offer quick loans. Some apps can help you receive loans within the same day. With these cash apps, you can pay up as soon as you receive your paycheck; hence, your credit score also boosts. They are cash apps as versatile as you want them to be.
