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Best payday loan apps

Budgeting between several paychecks can be hard, which is why we tend to go over budget and consider applying for a loan to make ends meet. Here are some payday loan apps listed by our community that make banking convenient and hassle-free.

1.Earnin

Free download

Earnin is a payday loan app by connecting it to a bank without fees or interests. It features pay booster with Shop Your Way points in every cash-out and lightning speed for faster access of money through debit card connection. 

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  • Cheryl Jensen

    by Cheryl Jensen

    I dont know if this is just my experience but I didnt like this payday loan app. The app and my bank continuously disconnect from each other. That’s a More

  • Theresa Baker

    by Theresa Baker

    Great app for budgeting! This app will help you manage your expenses before your payday and will also save you when you really need some extra cash. G More

  • Jessica Pepin null

    by Jessica Pepin null

    I’ve been battling this app for over 2 weeks now.... for almost a year it worked great then all of a sudden it stopped connecting to my bank..... I’ve More

  • Cynthia Patterson

    by Cynthia Patterson

    Nice app! Used this for my work and there is no hidden cost. The balance shield is what I like the most in Earnin. It somehow saves my money from over More

  • Jeremy Robideau null

    by Jeremy Robideau null

    Doesn’t work with retired people like Dave does .

2.Dave

Free download

Dave is a payday loan app that allows payday advances without a credit check and interest which also gives alerts to prevent a negative balance. The app allows users to make advances up to $100 at zero interest rates.

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Dave Inc.

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  • Shirley Kelley

    by Shirley Kelley

    Payday loans can often get sketchy too fast but I've never really felt any worry with Dave! I love my money lendin bear!

  • Victoria Pan

    by Victoria Pan

    I am skeptical when it comes to money loan apps but this one is really nice! Their interface is really neat and it connected really fast to my bank. I More

  • Janice Davidson

    by Janice Davidson

    There's a subscription plan every month with $1 but it is worth it for me.

  • Amber White null

    by Amber White null

    It's simple and you can have the money deposited to your prepaid card .

  • Shawnie May null

    by Shawnie May null

    It does not accept all banks

  • George Caballero null

    by George Caballero null

    Well seems like a good app I just haven’t been able to use it. I signed up in November and still haven’t been able to request funds yet I am still pay More

3.Brigit

Paid: $9.99 Free download

Brigit is a payday loan app where you can get cash automatically in your account when your balance is low and in danger of dipping below zero. It also features overdraft predictions, balance alerts, and repayment options.

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  • Theresa Baker

    by Theresa Baker

    Very great app it actually work, had a problem I email the guys and fixed it right away, very useful money usually hit the next day, 10$ monthly charg More

  • Monica Salas null

    by Monica Salas null

    User friendly! Fast approval!

4.LoanAdda

Free download

LoanAdda- Personal Loan, Home Loan is a loan finance app developed by Loannada.com to allow users to browse, compare and apply for a personal loan, loan against property, working capital loan, and so on.

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  • Zachary Gordon

    by Zachary Gordon

    Was lookin for apps like Dave and saw this... No issues so far 👍

  • Verónica Montiel

    by Verónica Montiel

    Nice app for getting loans, the verification is really fast too. The interface is really nice too! I recommend this to anyone finding the best loan ap More

  • Jacqueline Wheeler

    by Jacqueline Wheeler

    Patience is a virtue and its well worth it! Fill up some forms and you're good. Just got my payday loan, til next transaction!

5.CreditLoan

Free download
CreditLoan is a useful app that lets you get the money you need in your bank account in the span of 24 hours. Loans take place after going through the mobile app's 4-step process. Users up to 18 years old and above are qualified for a loan.

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  • César Bautista

    by César Bautista

    DO NOT TRUST THIS ONE! Do not risk your identity and account getting hacked! The app does not provide loans. It recommends you to places you can get a More

  • Rakesh Malik

    by Rakesh Malik

    If you are need of some quick cash, you may want to check out this app. It will review your information and try to match you up with appropriate lende More

  • Philip Stephens

    by Philip Stephens

    Perfect for small loans and quick transactions! It took me one and a half a day and boom money sent to my account 😄

  • Helen Wade

    by Helen Wade

    There isn't an easier way available to get a payday loan. If you're low on cash and need some money until your next payday, this is the app for you!

  • hassan masemo

    by hassan masemo

    it is faster loan that one can obtain

6.MoneyLion

Varies by plan

MoneyLion is a mobile banking app that allows zero-fee checking and investment account. Users can also avail loans up to $50,000. They can also get and monitor their credit score and get personalized financial advice.

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  • Eva Vásquez

    by Eva Vásquez

    Not bad. Although my phone detected it using my camera and voice recording without my permission. Why does a money app need to use my camera or voice  More

  • Dennis Sanders

    by Dennis Sanders

    The trustiest of all the apps like earnin and dave...

7.Speedy Cash

Free download

Speedy Cash is an app that lets users manage their payday loans, title loans, installment loans, and lines of credit from their phone. Users can also take out new loans or draw additional cash on their existing loans through the mobile app.

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  • Angela Huang

    by Angela Huang

    Great money loan app but there's not a "cancel" button in case you change your mind on the amount you want to borrow. Even after changing amount paperwork still say the previous amount.

8.PaySense

Free download

PaySense is a finance loan app which allows users to loan on equated monthly installment (EMI) interest rates. This requires submission of KYC documents from users. Users can have their early salary loans approved within a couple of hours.

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  • Abhinav Mehra

    by Abhinav Mehra

    Awesome App for Istant loan this is a Best....my Experience with PaySense is Excellent.... and Thanks alot PaySense team for your wonderful support an More

  • by Donna Tucker

    Reliable loan app! At first, I thought this was a scam cause it took over 4-5 days before the money is sent but I guess they needed time to process ev More

9.ACE Cash Express Mobile Loans

Free download
ACE Cash Express Mobile Loans lets you apply for and manage your loan from your mobile. Features a store locator to find over 1.000 locations where you can pick your money and gets you notifications with key information about your loan. 

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  •  Ana María Leal

    by Ana María Leal

    I remember this being one of the most helpful money loan app out there, but since its update I dont know why its not working anymore. Or is it just me More

  • by Harry Price

    ACE Cash Express Mobile Loans seems like a great option to manage your loan...until you use it. Very limited functionality and the app itself crashes  More

  • by Barbara Boyd

    Getting a loan and paying it is so easy with this mobile app. Money pick-up is hassle-free too cause they have pick up points almost everywhere

  • Bruce McDonald

    by Bruce McDonald

    I need a little extra cash as I wanted to buy a TV for the Super Bowl. ACE Cash Express Mobile Loans was able to give me a payday loan at a good rate  More

10.CashNetUSA

Free download

CashNetUSA is an app that allows you to apply online in minutes without affecting your traditional credit score. You can receive an instant decision, and if it's positive, you'll get the money in your bank account the next business day.

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Enova

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  • Tomás Navarrete

    by Tomás Navarrete

    This loaning app is a blessing!!!! This save us from losing our home, I had a stroke and was hospitalized most of September and October. The phone rep More

  • Mildred Bailey

    by Mildred Bailey

    At first, I thought that it only ahs online. But when I look for payday loan apps, I'm surprised that it now has an app. Very convenient since I can h More

  • Jane Chapman

    by Jane Chapman

    Application is not too complicated unlike other lenders with confusing terms. Great recommendation! Thanks Softonic!

  • Kelly Chatman

    by Kelly Chatman

    Cash Net does not report your timely payments to the credit bureau thus not helping increase your score. And please, please, read the fine print. The  More

11.Payday Loans & Cash Advance

Free download
Working in Canada, USA and EU, Payday Loans and Cash Advance allows you to get short-term loans with 24/7 availability and confidentiality. You will receive an answer in under 5 minutes and be able to pick the money next day. 

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  • Ridhi Pawar

    by Ridhi Pawar

    This app has a lot of potential but right now its just so slow that I just cant use it properly. And it only finds a lender in your area.

  • Gregory McCoy

    by Gregory McCoy

    If you're in need of some quick cash, this app can be very helpful to you. The app has numerous payday and quick loan companies that can help you when More

  • Ann Boyd

    by Ann Boyd

    This app is okay for finding a lender in your area. I didn't try it much because it seemed a bit slow but it's probably just okay.

12.PayActiv

Free download

PayActiv is an app that gives access to payday anytime and prevents overdraft fees. It was founded by Safwan Shah in 2014 and affiliated with SoftBank Capital which won recognition as Best of Show Finovate and Top HR products in 2016. 

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  • Celia Suárez

    by Celia Suárez

    Love this!!! This is super easy to navigate and is really a nice option to save money and pay bills. It also helped me survive and maintain during har More

  • Danielle Taylor

    by Danielle Taylor

    It's not just a payday loan app. It also has a budgeting feature and it's effective for me so far.

13.Payday Loans Cred24

Free download
With a connection to lenders from the USA, UK, Canada and more, Payday Loans Cred24 compares in real-time between different local loans and provides you key information and advice about the transaction. The loan app requires no sign-ups.


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  • Brittany West

    by Brittany West

    Honestly, there are other apps better than this, try Dave. The interface of this one is kinda difficult to understand.

  • Janet Wood

    by Janet Wood

    In comparison with another loan app...I have to say this is lacking in certain areas. First, it's not that nice interface you hope to look for in any  More

  • by Carl Ray

    This app lets you compare many loan options quickly, which makes it valuable if you need to find something fast. The user interface is also very easy  More

14.QuickLoan Payday Loans

Free download

QuickLoan Payday Loans is a free finance application for Android devices. This app allows users to secure up to $1750 within a minute. Users can get fast cash deposited directly into their bank accounts. It has over 10,000 installs.

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  • Amber Reynolds

    by Amber Reynolds

    Got up to 750 bucks and it really saved me that week, man!!!! I love payday loans but I try to stay away from them because it might turn into a habit. More

  • Mariana Anaya

    by Mariana Anaya

    I've used QuickLoan 2 times now, both times I was in desperate need of cash and they delivered. I was matched with a lender who understood my situatio More

  • Bruce Perry

    by Bruce Perry

    I was blown away with how quick the process was. Almost instant! Perfect for those who need quick cash. No credit check and you can choose from differ More

Did you know? 


Did you know that Pablo Escobar spent $2,500 a month on rubber bands alone just to keep his cash bundled together? Pablo Escobar was from a poor family in Colombia but he became one of the world’s wealthiest men. Dubbed as the “King of Cocaine”, he was one of the world’s most notorious drug dealers. He was responsible for 80% of the global cocaine market. Due to the nature of drug money, Escobar’s net worth can only be determined through estimations. At the height of his power in the mid-1980s, he earns roughly $70 million a day-- an amount that could run payday loan apps like Earnin without difficulty. In 1989, he was on the 7th spot of Forbes’ list of international billionaires. But with wealth as vast as Escobar's, there won't be a need for the best payday loans in town. His immense richness even became a problem when he couldn’t launder his cash quickly enough. He resorted to stashing piles of money in farm fields, warehouses, and in the houses of his cartel members. Each year, his accountant would write off 10% of the money or roughly about $2.1 billion just because the rats would eat it in storage, damaged by molds or lost. The Don Juan magazine conducted an interview with Juan Pablo (Escobar's son) in 2009. He revealed that while they were on the run, his father burned $2 million to keep his sister Manuela from hypothermia. They also used the same fire to prepare food.


Despite being a narco-terrorist, the El Patron was likened by Colombians to Robin Hood due to his philanthropic efforts. His popularity with his countrymen even earned him a seat in the Congress in 1982. He was shot dead in 1993 while escaping the police and his gravesite is the second most visited tomb in South America. 

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