FloatMe gives eligible members a small cash advance called a Float, usually capped at $50 for new users and up to $100 for established ones. The $4.99 monthly membership is fine for small gaps, but the Float amount can feel tight when a real bill hits. If you want a higher advance or more features, there are several apps like FloatMe worth a look. For a closer look at the original app, see our FloatMe app review and whether FloatMe is legit.
The best alternative depends on how much cash you need, whether you prefer a subscription or pay-as-you-go, and how fast you want the funds in your account. Below, we cover four cash advance options that may give you more flexibility than FloatMe. Terms and conditions apply.
Why People Search for an App Like FloatMe
FloatMe works for small gaps between paychecks, but $50 does not stretch far when groceries and gas are both due. Some users also dislike paying a monthly fee for an advance that may only cover one tank of gas.
An app like FloatMe should ideally let you access more money, charge a clear fee, and offer fast funding when you need it. Some alternatives also bundle banking, budgeting, or credit-building features, which can be useful if you want fewer apps on your phone. Our roundup of the best cash advance apps compares limits and fees across all the major players.
Our Top Picks
Here are four apps like FloatMe that may offer higher advances or better pricing.
- Klover Best for: a free option with no monthly subscription. Advance: up to $200. Fee: no monthly fee.
- Brigit Best for: a flat subscription with budgeting tools. Advance: up to $250. Fee: $9.99 per month for Plus.
- Current Paycheck Advance Best for: banking plus a high advance limit. Advance: up to $750 through the Current banking app. Fee: no late or overdraft fees.
- Dave Best for: smaller advances with a low monthly fee. Advance: up to $500 (varies). Fee: $1 per month membership.
Klover
Klover
Need cash before payday? Klover gives you instant access to up to $250 with no credit check, no interest, and no late fees. Earn points through surveys, receipt scanning, and daily activities to unlock higher advance amounts.
Standout feature
Up to $250 cash advance with no interest or credit check. Free standard delivery.
Fees
Free (optional instant delivery fee)
Pros
No interest or required fees. Quick access to cash advances. Multiple ways to earn points and unlock higher limits.
Cons
Points system can be grindy with ads and games required.
Klover: Higher Advances With No Subscription
Klover is a top app like FloatMe because it offers up to $200 with no monthly fee and no credit check. That is four times the Float amount most new FloatMe users get, and you do not pay a recurring charge. Our Klover review covers how the points system actually works.
The sign-up flow is quick, and you connect a checking account to verify income. Klover also has a points system tied to daily activities, which may unlock higher advance amounts over time. Repayment is pulled automatically on your next payday.
Brigit: A Subscription With More Power
Brigit charges a flat $9.99 per month for Plus, which is more than FloatMe but unlocks an advance of up to $250. The membership also includes balance alerts and budgeting tools that may help you avoid overdraft fees at your regular bank. Our Brigit review breaks down whether Plus pays for itself.
There are no tips, no interest, and no late fees on the advance. If you use the advance feature more than once a month, the Brigit subscription can pay for itself compared to other paid models.
Current: Banking Plus a Big Advance
Current is a banking app that bundles a checking account with a paycheck advance feature. Eligible members can access up to $750 of their next paycheck early, based on direct deposit history. Our Current banking review covers the full account and the advance program in detail.
There are no late fees and no overdraft fees, which is a real upgrade if your current bank charges $30 or more when you overdraw. If you are already considering a new checking account, Current can replace your bank and your cash advance app at the same time.
Dave: Low-Cost Small Advances
Dave charges a $1 monthly fee, which is the cheapest subscription in this list. The advance, called an ExtraCash, can reach up to $500, though new users typically start with smaller amounts.
Dave is a fit if you want a low base cost and you do not need the highest cap. Just note that express delivery costs extra, and the actual amount you qualify for depends on your account activity. Read the fee schedule before you confirm a transfer.
Side-by-Side Comparison
| App | Max Advance | Monthly Fee | Credit Check |
|---|---|---|---|
| Klover | Up to $200 | None | No |
| Brigit | Up to $250 | $9.99 (Plus) | No |
| Current | Up to $750 | None for advance | No |
| Dave | Up to $500 | $1 | No |
How to Choose an App Like FloatMe
Start with the advance amount you need. If $50 to $100 is fine, Dave or Klover may work since both keep costs low. If you need closer to $200 or $250 without a credit check, Klover or Brigit can typically cover it.
If you need a larger advance and you are open to switching banks, Current offers the highest cap. Also factor in express transfer fees, since instant funding usually costs extra on every app in this list. A small fee is fine for an emergency, but it can add up if you use it every pay period. For a primer on the category, see what a cash advance app is.
Smart Habits for Cash Advance Apps
A cash advance is a short-term tool, not a steady income source. Try to repay on your next payday so you do not start the following pay period behind. Stacking advances from two or three apps at once can leave you short when the repayments hit, so stick to a single provider when you can.
It also helps to track upcoming bills in a simple budget. Some of these apps include alerts or forecasts that show when a low balance is coming, which can give you time to plan ahead. Terms and conditions apply to all advance products.
Frequently Asked Questions
Is there an app like FloatMe with a higher advance limit?
Yes. Klover offers up to $200, Brigit up to $250, and Current up to $750 through its banking app. All three are significantly higher than the $50 to $100 Float that FloatMe typically offers.
Do apps like FloatMe require a credit check?
Most cash advance apps, including Klover, Brigit, Current, and Dave, do not run a hard credit check. They typically review your bank account activity and income patterns, so applying should not affect your credit score.
Are there free apps like FloatMe?
Klover is free with no monthly subscription. Current also has no fee for the paycheck advance feature itself, though you need a Current bank account. Express transfer fees may still apply if you want funds instantly.
How fast can I get money from a cash advance app?
Most apps like FloatMe offer instant transfers for a small fee, usually under $10. Standard transfers are typically free and arrive in one to three business days, so plan ahead if you want to avoid the express fee.
