Apps like Possible Finance – Top 15 Best Alternatives for Possible Finance

What is Possible Finance? Let’s look at alternatives such as Dave, Earnin, Branch, and others, offering comparable efficient money management features. Examine their distinct characteristics to make an informed decision based on your financial preferences.
Apps like Possible Finance
Apps like Possible Finance – Top 15 Best Alternatives for Possible Finance
This article explores the ecosystem of financial apps similar to Possible Finance, delving into their functionalities, benefits, and how they cater to the evolving needs of users seeking accessible and flexible financial solutions.
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Navigating the expanding landscape of payday loan alternatives, Possible Finance stands out as a player that blends elements of both payday and installment loans. The Possible app differentiates itself by charging high APRs while giving borrowers a generous eight-week payback window.

However, the market is flooded with various lenders and networks providing small, short-term loans, allowing borrowers to select a financing option tailored to their needs.

Apps like Possible Finance – Top 15 Best Alternatives for Possible Finance

BeemBeem offers instant cash advances, money transfers, and financial management tools. Plans include Basic ($2.47/mo), Plus ($5.97/mo), and Pro ($12.97/mo).Transparent pricing, various financial management tools.
BrigitBrigit offers cash advances, overdraft protection, and budgeting solutions for a $9.99/mo fee.Interest-free cash advances, credit builder program, payment extensions.Monthly fee, limited advance eligibility, transaction fees.
MoneyLionMoneyLion provides cash advances up to $500, investment accounts, and crypto trading, with no monthly fees.No mandatory fees, investment options, free credit monitoring.High fees for instant transfers, credit builder program fee, delayed standard delivery.
DaveDave offers cash advances up to $500, savings tools, and job search assistance for a $1/mo fee.Low monthly fee, savings tools, job search assistance.Limited cash advance amount, potential high transfer costs, typical turnaround time.
AlbertAlbert offers overdraft protection up to $250 for a $14.99/mo subscription fee.Overdraft protection, holistic financial management.Subscription cost, removal of cash advance feature, limited overdraft amount.
EarninEarnin provides same-day cash advances up to $500, health bill negotiation, and cashback rewards.Same-day access to funds, health bill negotiation, cashback rewards.Initial withdrawal limit, reliance on user tips, eligibility criteria.
BranchBranch integrates wage advances, budgeting tools, and offers up to $100 in early payments with a $3.99 transaction fee.Early paycheck access, budgeting tools, cash advances.Transaction fee, delayed fund access, limited cash advance eligibility.
EmpowerEmpower offers cash advances up to $250, free ATM access, and personalized advance limits.Free ATM access, personalized advance limits, no hidden fees.Dependency on personal finances, income requirement for new users.
ChimeChime provides fee-free banking, early paycheck access, and overdraft protection up to $200.No fees, early paycheck access, overdraft protection.Occasional app issues, deposit history required for full overdraft access, no physical branches.
PayactivPayactiv offers direct access to earned wages, automatic payroll deductions, and free service.Timely access to wages, automatic payroll deductions, no fees.Employer partnership requirement, limited advance amount, dependency on employer participation.
Cash AppCash App allows borrowing between $20 and $200 with transparent fees and a four-week repayment term.Transparent fees, easy borrowing process.Credit check impacts credit score, limited repayment term.
CleoCleo offers cash advances up to $250, personal financial management tools, and interest-free advances up to $100.Interest-free cash advances, financial management tools.Monthly fee, waiting period, express fee for same-day access.
KloverKlover provides up to $100 in advance based on task completion, easy accumulation of points, and a straightforward process.Quick access to advance, easy point accumulation.Task-based qualification, limited advance amount, dependency on task completion.
VaroVaro offers digital banking services with high-yield savings accounts, cash flow projections, and competitive APYs.Integrated banking solution, high-yield savings accounts, cash flow projections.Limited physical branches, specific requirements for highest APY, limited financial products.

Let us see some of the best alternatives of the possible finance app: 

1. Beem


Beem is a financial app that offers instant cash advances, money transfers, and other financial management tools. Beem offers different plans for its users with transparent and simple pricing. The plans include Basic ($2.47/mo), Plus ($5.97/mo), and Pro ($12.97/mo).

The platform also offers features such as Everdraft™, job loss and disability protection, tax filing, BFF – Better Financial Feed™, wallet, send money to anyone, buy gift cards, credit monitoring, identity theft protection, and Send Now, Pay Later™.

Beem is also planning to introduce new features such as Everdraft™, claim up to $500 or $1000, digital or physical check, virtual credit card, and Send Now, Pay Later™.

2. Brigit

apps like possible finance - brigit

Brigit distinguishes itself in financial services by providing cash advances and comprehensive budgeting solutions. With the capacity to offer up to $250 per pay cycle, Brigit’s unique proposition lies in its interest-free and finance-fee-free cash advance model. Users can subscribe to the service for a monthly fee of $9.99 to access these benefits.

This subscription includes complimentary overdraft protection, participation in a credit builder program, around $1 million in identity theft protection, and the added convenience of extending payment due dates. Notably, users who consistently make two consecutive on-time payments can request payment extensions directly through the app, enhancing the flexibility and user-centric nature of Brigit’s offerings.

Ensure that overdraft fees are avoided by tracking spendingThe monthly membership fee comes in at $9.99
Organizes repayment extensions up to 3 timesHigher advances are subject to restrictive eligibility criteria
Added features included with subscriptionsThere may be a two-day wait for standard transfers

Sending limits:

It is possible to send only one advance at a time. You can only receive another if you have repaid your previous advance.

Data security:

Brigit prioritizes the security of user data by implementing robust 256-bit encryption, aligning with the stringent security protocols employed by banks. Demonstrating a steadfast commitment to data safety, the company adopts a multi-layered security approach.

3. MoneyLion

apps like possible finance - moneylion

MoneyLion, a banking and cash advance app, offers seamless financial solutions with borrowing capabilities of up to $500 between paydays. Unlike some counterparts, it refrains from monthly or finance fees. Moreover, MoneyLion allows users to borrow up to $1,000 per pay period when connected to a RoarMoney account. While offering same-day fund transfers, it provides additional features, including investment accounts, crypto trading, and a unique option to round up spare change for Bitcoin purchases. This versatility positions MoneyLion as a comprehensive financial platform meeting user needs.

Tip-free membership with no mandatory fees.You may have to pay a high fee for instant transfers.
Monitoring your credit is free.An annual fee of $19.99 is charged for the credit builder program.
It takes 1 to 2 days for standard delivery to be completed.A higher advance rate is tied to your RoarMoney account or credit score.

Sending limits:

There is a $1,500 daily, $2,500 weekly, and $3,500 monthly sending limit.

Data security:

Using Transport Layer Security (TLS), MoneyLion protects users’ personal information. The company also states that customer information is kept confidential and secure. 

4. Dave

apps like possible finance - dave

Dave sets itself apart in the financial app landscape with a minimal $1 monthly subscription fee, a notably lower cost than competitors such as Brigit. It offers a cost-effective solution for users by providing a borrowing capacity of up to $500 per pay cycle and the potential for an early paycheck through a Dave Spending Account.

Beyond lending, Dave includes features to facilitate savings for future expenses and assists users in finding side jobs for additional income. Notably, for instant transfers, fees range from $1.99 to $13.99, contingent on the amount and destination account type. This combination of affordability and additional financial tools positions Dave as a user-friendly and comprehensive financial solution.

Affordable monthly fee paymentThe maximum amount of cash advances is $500
Tipping is not mandatoryThe typical turnaround time is three days
Keeping track of overdraft spending is easyExternal transfers could incur high costs

Sending limits:

ATM transactions are limited to $500, and POS transactions are limited to $5,000 daily.

Data security:

Dave’s system uses the data for security measures, unique device identification, and storing preferences and is secured against sensitive data breaches.

5. Albert

apps like possible finance - albert

Albert, a banking app that once housed a cash advance feature known as Albert Instant, has transformed. The Instant feature has evolved into an overdraft service, providing users with up to $250 in protection.

Access to this service is contingent upon subscribing to Albert’s Genius program, which requires a monthly payment of $14.99 or an annual fee slightly below $180. This offer change aligns with Albert’s commitment to providing users with financial tools that cater to their evolving needs.

Up to $250 Overdraft Protection$14.99/month subscription cost
Holistic Financial ManagementRemoval of cash advance feature
User-Friendly InterfaceLimited $250 overdraft limit

You can receive up to $15,000 within 30 days. A deposit or transfer into the Albert Cash Account, between services, or to external accounts is subject to this limit. The maximum amount on the card is $20,000.

Data security:

Albert uses extensive security mechanisms to keep its users safe. The app uses robust security features such as encryption techniques and secure data storage to prevent unwanted access to user data.

6. EarnIn

apps like possible finance- earnin

Earnin stands out as a payday advance application, allowing you to access your requested money on the same day. Initially, withdrawals are limited to $100, but customers can take up to $500 every paycheck once established. Earnin adopts a user-friendly approach by not imposing membership or access fees. Instead, users can tip the app for the services provided at their discretion.

Beyond cash advances, Earnin introduces unique features such as Health Aid, facilitating negotiations of medical bills with healthcare providers. The app also incorporates shopping partnerships, providing users with additional cashback benefits. 

Earnin allows users to access requested funds on the same day, providing quick financial relief.Initial withdrawals are limited to $100, increasing to $500 per paycheck later.
Earnin operates without membership or access fees.While no mandatory fees exist, the reliance on user tips could result in varying income for the app.
Beyond cash advances, Earnin offers unique features like Health Aid, cashback, and Balance Shield for overdraft risk notifications.Earnin’s services are primarily available to users who meet certain employment and paycheck criteria, excluding some individuals.

Sending limits:

You can transfer $100 daily to a linked bank and up to $750 per pay period.

Data security:

To protect sensitive information sent to users via email, EarnIn encourages them to encrypt it. Through PGP/GNU Privacy, EarnIn supports encrypted messages. 

7. Branch

apps like possible finance - branch

Branch, a comprehensive finance app, integrates wage advances, budgeting tools, and a checking account. Users can receive up to $100 in early payments, accessing their paycheck two days ahead by directing their direct deposit to the Branch checking account.

While there are no fees for utilizing this feature, a $3.99 transaction fee applies for immediate fund access, with an alternative option of waiting up to three business days. Additionally, the Branch offers cash advances up to $500 through employer-paid membership.

Early paycheck access$3.99 transaction fee
Comprehensive finance tools like budgeting features and a checking account.Delayed fund access (up to 3 days)
Cash advances with employer-paid membership up to $500,limited eligibility for cash advances in some cases

Sending limits:

There is a limit of 30 withdrawals per month. There is a daily limit of five withdrawals of $400.

Data security:

Customer data security and privacy are of the utmost importance to Branch. Data shared with them is protected by encryption and data security techniques.

8. Empower

apps like possible finance- empower

The Empower app offers cash advances of up to $250, allowing users to access funds two days before their payday. Empower provides users with a dedicated debit card that grants free access to a network of 37,000 ATMs.

The cash advances are automatically provided without any hidden fees or interest rates. The withdrawal limits for cash advances are determined based on the user’s financial situation and history with Empower. New users earning a minimum of $500 monthly can receive a $25 cash advance. As users build a positive financial history with regular cash advances, the total can increase to $250.

Fees-Free Cash Advances up to $250Dependency on Personal Finances
Free Access to 37,000 ATMsInitial Limit for New Users
Personalized Cash Advance LimitsIncome Requirement for New Users

Also Read : Apps like Empower

Sending limits:

The daily withdrawal maximum is $25,000; however, it might be $100,000 in exceptional situations. There is a daily withdrawal limit of $25,000, but in some cases, it can be $100,000.

Data security:

Empower is committed to protecting and respecting privacy, security, and integrity. Additionally, Empower offers a Security Guarantee that covers losses incurred by unauthorized transactions that are not the account owner’s fault.

9. Chime

apps like possible finance - chime

Chime, an online bank, allows users to open new checking or high-yield savings accounts within the app. One notable feature is SpotMe, which safeguards users from overdrafts up to $200 without any charges.

Users can access their paychecks two days before the official payday. Chime emphasizes fee-free banking, with no overdraft fees, monthly fees, and minimum balance requirements, contributing to its appeal among users.

No overdraft, monthly, or minimum balance fees.Occasional user-reported app problems.
SpotMe overdraft protection up to $200 protection without fees.Full SpotMe access requires a deposit history.
Users can access paychecks two days early.No physical branches for in-person services.

Sending limits:

Transfer limits are set for Chime on a daily and monthly basis. Each transfer is limited to $10,000 per day and $25,000 per month.

Data security:

The security of user information is a priority at Chime. With Chime, sensitive data is protected using advanced encryption protocols.

10. Payactiv

apps like possible finance - payactiv

Payactiv offers direct and timely access to earned wages through employer partnerships. The app lets you request payday advance loans based on your already-earned wages by linking to your work timesheet.

Employers automatically deduct repayments from your next paycheck. While the service is free, your employer must be a Payactiv partner for you to receive an advance.

Timely access to earned wages through partnerships.Requires employer partnership for access.
Repayments via automatic payroll deduction.Limited advance amount based on earned wages.
Free service, providing cost-effective assistance.Dependency on employer participation.

Sending limits:

When direct deposits are set up, Payactiv’s default withdrawal limits are $500 and $1,000, respectively. Your employer will, however, determine the maximum amount you can access.

Data security:

PayActiv employs security measures to prevent unauthorized parties from accessing data. Many security measures are in place, including data encryption, server authentication, and regular updating of firewalls. 

11. Cash App

apps like possible finance - cash app

Cash App offers qualified users the ability to borrow between $20 and $200 with a 5% flat charge and a four-week payback term, including a one-week grace period. Cash App applies a 1.25% weekly finance charge on the outstanding balance if the loan isn’t fully repaid within the grace period.

Notably, the app is transparent, with no hidden fees. While Cash App loans necessitate a hard credit check from a central credit bureau and are recorded on your credit report, the platform emphasizes that your borrowing capacity is contingent on your credit profile.

Easy borrowing from $20 to $200Credit check impacts credit report and score
Transparent 5% flat fee and clear repaymentLimited four-week repayment term
No hidden feesBorrowing depends on credit profile

Sending limits:

During 30 days, the Cash App allows you to send and receive up to $1,000.

Data security:

Cash App uses encryption and fraud detection technology to ensure the security of your data and money. A PIN entry, Face ID, and Touch ID systems are also employed for added safety.

12. Cleo

apps like possible finance - cleo

Cleo is a cash advance app that lets you borrow up to $250 at a time. Additionally, it provides services related to personal financial management. With apps like Cleo, you can obtain a cash advance of up to $100 without paying interest or checking your credit. There is, however, a monthly fee and a waiting period before users can access the funds. Cleo charges an express fee of $3.99 to fund the advance the same day.

Cash advances up to $250Monthly fee and waiting period
Interest-free cash advances up to $100$3.99 express fee for same-day access
Personal financial management toolsLimited maximum advance amount of $250

Sending limits:

Transfers from your security deposit are limited to the amount in your security deposit. Your security deposit balance can be at most $25,000 in total dollar value.

Data security:

Cleo ensures utmost privacy, allowing only the user and the app to view transactions. The platform prioritizes security by never storing credentials on its servers, encrypting transaction history, and promptly removing personally identifiable information. Importantly, banking login details are never stored, enhancing user data protection.

13. Klover

apps like possible finance - klover

Like the possible finance app, klover is a mobile app that allows users to receive up to $100 in advance. The app follows a task-based model where users earn points by completing activities, like answering questions. The total points earned dictate eligibility for additional funds. Users accumulate points that convert into a corresponding cash amount by correctly answering a set number of questions.

Quick access to up to $100 in advanceTask-based qualification may not suit all users
Earn points through simple tasksDependency on task completion for additional funds
Straightforward process for accumulating pointsLimited advance amount compared to some competitors

Sending limits:

Withdrawals and deposits are allowed daily up to $250 and monthly up to $5,000.

Data security:

Klover encrypts all data according to the Payment Card Industry Data Security Standard (PCI-DSS). Klover does not sell or transmit data, and only stores purchase transaction information as needed.

14. Varo

apps like possible finance - varo

Varo, a digital bank, provides comprehensive banking services, including checking and high-yield savings accounts. The platform offers mobile banking solutions with features like cash flow projections, expenditure tracking, and intelligent alerts. Varo’s high-yield savings accounts have competitive APYs and no fees or minimum balance requirements. Users can enjoy a 3.00% APY with no monthly charges, and meeting specific monthly requirements unlocks an impressive 5.00% APY.

An integrated digital banking solutionA limited number of physical branches
Accounts with high yields and competitive APYsThe highest APY requires specific requirements
Mobile platform features cash flow projectionsLimited range of financial products compared to traditional banks

The maximum amount that can be sent from Varo Bank accounts to anyone with a U.S. debit card is $250,000. It is best to check the official website for more information. 

Data security:

Varo uses an industry-standard encryption technology to protect customer information. With the help of multiple tools, Varo verifies identity and safeguards account information.

Apps like Possible Finance 2 1
Which Finance Alternative is Suitable for You?

Which Finance Alternative is Suitable for You?

Choosing the suitable alternative to Possible Finance depends on your financial preferences. Earnin could be a good fit if you prioritize fee transparency, as it allows users to tip at their discretion. MoneyLion might be suitable for a comprehensive banking solution with additional investments and crypto trading features. 

If you’re looking for a low-cost option with budgeting services, Brigit could be worth considering. Evaluate each option based on fees, borrowing limits, and any unique features offered to find the best fit for your needs. The best way to decide is to carefully evaluate your options and the pros and cons of each alternative, ensuring that the selected app complements individual financial goals while improving the overall banking experience.


Navigating the landscape of financial apps provides a spectrum of choices for users seeking alternatives to Possible Finance. Each app comes with its own set of features, fee structures, and unique offerings. Whether you prioritize fee transparency, comprehensive banking solutions, or specific functionalities like cash advances, the diverse variety of options lets you tailor your choice based on your financial needs. As with any financial decision, it’s crucial to carefully review the terms and conditions of each app to make an informed choice that aligns with your choices and helps you achieve your financial goals.

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Shirlene Grace Isaac

Shirlene puts words on the Internet because she loves to do so and also for the money! She is a singer, songwriter, occasional poet, artist and muser — all in the body of a 20 something. She's a taleteller of sorts often looking for opportunities to narrate stories untold.


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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