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Solo Funds built its reputation on something different: borrowers and lenders connecting directly, no bank in the middle. You post a loan request, a real person funds it, and you pay them back with interest you both agreed on. It works, but it has limits. The borrowing cap sits at $575, funding isn’t guaranteed, and if no lender picks up your request, you’re stuck.
That’s where these alternatives come in.
Some are cash advance apps that pull from your next paycheck. Others are proper lending platforms with larger loan amounts and fixed repayment schedules. A few do both, plus banking, credit building, and budgeting tools all in one place. No credit check required for most of them.
This list covers 10 apps like Solo Funds worth considering, with a breakdown of loan amounts, fees, speed, and who each one actually works best for.
Apps Like Solo Funds
Dave
What It Does
Dave is a digital banking app built around its ExtraCash feature. It lets you borrow a small amount against your next paycheck without a credit check or interest charges.
The app also includes a checking account, budgeting tools, and early direct deposit (up to two days ahead of schedule). It’s one of the more well-known cash advance apps on the market right now.
Loan Amounts and Fees
You can borrow between $25 and $500 through ExtraCash. The average approval amount sits around $180, though.
Dave charges a mandatory service fee of $5 or 5% of the advance (whichever is greater). There’s also a monthly membership fee of up to $5. If you want instant funding to an external debit card, expect a 1.5% express fee on top of that.
Standard delivery to a Dave checking account is free but takes up to 8 hours.
How to Get Funds
Download the app from the Apple App Store or Google Play Store. You’ll need to open a Dave checking account and an ExtraCash overdraft deposit account. Link your bank, show at least three recurring deposits totaling $1,000 or more, and you’re set.
The whole process takes a few minutes if your bank account has been active for at least 60 days.
Speed of Funding
Instant transfers to a Dave checking account happen within minutes. External debit card transfers also arrive fast but cost that 1.5% express fee.
Free standard delivery? One to three business days to an external account.
Credit Score Requirements
None. Dave doesn’t run a credit check. Your advance limit depends on income patterns, spending habits, and deposit history. Your FICO score stays untouched.
Repayment Terms
Dave auto-deducts the advance from your account on your next payday. If it can’t determine your pay date, the balance is due one Friday after you took the advance.
No late fees. But if you don’t repay within 60 days, your account could be closed.
Who It’s Best For
People who need a larger paycheck advance than most apps offer. The $500 max puts Dave ahead of competitors like Brigit or Klover. It’s also solid if you want a full mobile banking experience alongside borrowing.
Drawbacks
The fee structure adds up quickly. Between the membership, the service fee, and the express charge, a small advance can get expensive. Also, the FTC filed a complaint against Dave in 2024 for misleading marketing around tip charges and “instant” access claims. They’ve since reworked their model, but it’s worth knowing.
Many users report getting approved for far less than $500, especially at the start.
Earnin
What It Does
Earnin gives you early access to wages you’ve already earned. It’s technically not a loan. You’re pulling money you’ve already worked for before payday hits.
The app also offers overdraft protection through Balance Shield, free credit monitoring, and a savings tool called Tip Yourself.
Loan Amounts and Fees
Up to $150 per day and $750 per pay period (or $1,000 if you have an EarnIn card). New users usually start around $85 per day.
No mandatory fees. No interest. No monthly subscription. Earnin asks for an optional tip, capped at $13, but you can skip it entirely. Lightning Speed transfers cost $3.99 to $5.99 depending on the amount.
How to Get Funds
Link your checking account, verify your employment, and show consistent direct deposits. Earnin can verify work through GPS tracking, electronic timesheets, or an employer-provided email.
You need to earn at least $320 per pay period and receive regular paychecks.
Speed of Funding
Standard transfers take one to two business days and cost nothing. Lightning Speed deposits arrive within minutes for that $3.99 to $5.99 fee. Balance Shield can also auto-deposit up to $100 if your account dips too low.
Credit Score Requirements
No credit check at all. Earnin looks at your banking activity and employment verification instead. This makes it accessible even if you have poor or no credit history.
Repayment Terms
Automatic. The amount you cashed out gets debited from your bank account on payday. You can reschedule the payment date once every 60 days if needed.
Heads up, though. If you don’t have enough funds when Earnin tries to collect, your bank might hit you with an overdraft fee. Earnin says that’s on you.
Who It’s Best For
Employed workers with a regular paycheck who just need to bridge the gap until payday. The no-fee model and high per-period limit make Earnin one of the most cost-effective cash advance apps available.
Gig workers and freelancers should look elsewhere, since Earnin requires employer-based direct deposits.
Drawbacks
The daily $150 cap feels low if you need a lump sum fast. You also sacrifice some privacy. GPS tracking, timesheet uploads, and bank account access are all part of the deal.
And unlike Possible Finance alternatives, Earnin doesn’t report payments to credit bureaus. So it won’t help build your credit score.
Brigit
What It Does
Brigit is a personal finance app that combines cash advances with credit building, budgeting tools, and identity theft protection. It monitors your bank account and can predict when you’re about to overdraft.
The app has over 12 million users and works with more than 6,000 banks and credit unions.
Loan Amounts and Fees
Advances range from $25 to $250 (up to $500 in some states). That’s on the lower end compared to Dave or MoneyLion.
You’ll need a paid plan to access Instant Cash. The Plus plan costs $8.99 per month, and Premium runs $15.99. Express delivery fees max out at $3.99, which is actually lower than most competitors. Standard ACH delivery is free.
No tips. No interest. No late fees.
How to Get Funds
Download the app, connect your primary checking account, and pick a plan. Brigit assigns you a score between 0 and 100 based on your bank health, spending behavior, and earnings profile. You need at least a 40 to qualify.
Your account must be active for 60 days minimum with at least three recurring deposits from the same source.
Speed of Funding
Standard delivery takes one to three business days. Express delivery through a linked debit card lands within 20 minutes. Premium members get free express delivery, which is a nice perk.
Credit Score Requirements
No FICO check. Brigit relies on its own internal scoring model. It evaluates your balance history, spending patterns, and deposit consistency instead of pulling your credit report.
Repayment Terms
You pick your repayment date, usually your next payday. If you can’t pay on time, you can extend the due date for free. Every two consecutive on-time repayments earn you an extension credit. You can stack up to three credits.
But you must repay your current advance before requesting another one.
Who It’s Best For
People who want more than just a cash advance. Brigit’s budgeting tools, credit monitoring, and identity protection make it a solid financial wellness app. The overdraft prediction feature alone can save you money.
If you’re comparing short-term money borrowing platforms, Brigit stands out for flexibility on repayment dates.
Drawbacks
The $250 max is small. Most users report struggling to get approved for more than $50, even after months of on-time repayment. The FTC also filed a complaint in November 2023 alleging deceptive marketing practices.
And that $8.99 monthly subscription adds up. If you only need an advance once or twice a year, you’re paying for months of access you don’t use.
Possible Finance
What It Does
Possible Finance offers small installment loans designed as a payday loan alternative. It also has a subscription-based cash advance product and a credit card for existing members.
The big difference from most cash advance apps? Possible reports your on-time payments to all three major credit bureaus. So every repayment actually helps build your credit history.
Loan Amounts and Fees
Possible Loan: up to $500 (up to $600 in some states). The cost varies by state, typically $10 to $25 per $100 borrowed. That translates to APRs of 65% to 163%, which is high but still cheaper than most payday lenders.
Possible Advance: up to $300 for members, $100 for non-members. Flat $15 monthly fee. No interest, no late fees, no tips.
How to Get Funds
Download the app, link your bank account, and apply. There’s no FICO check. Possible looks at your income, spending habits, and banking history to decide eligibility. You need consistent payroll deposits over at least three months.
Approval decisions come in minutes. If denied, you can reapply every 72 hours.
Speed of Funding
Most approved loans fund within minutes to a linked debit card or bank account. Some users experience delays of up to five days, but that’s rare. Instant transfers are free, which is unusual in this space.
Credit Score Requirements
No minimum credit score. No hard inquiry. Possible doesn’t check your FICO at all. It evaluates bank account health and cash flow instead. Bad credit, thin credit, no credit? All okay here.
Repayment Terms
Possible Loan repayments happen over eight weeks in four biweekly installments. You can reschedule any payment up to 29 days from the original date with no fee and no credit impact.
That’s a meaningful difference from apps like Dave or Earnin, where everything’s due on your next payday.
Who It’s Best For
Anyone who needs a small loan and wants to build credit at the same time. The installment structure gives you breathing room that single-repayment cash advances don’t.
It’s also good for people in states where traditional payday lending is predatory. Possible has helped reform payday loan laws in four states.
Drawbacks
The fees are steep when you calculate the APR. Borrowing $200 might cost you $30 to $50 in fees depending on your state. Not available everywhere, either. Currently operates in about 30 states.
No phone support. Email only.
MoneyLion
What It Does
MoneyLion is a full-service fintech app that bundles cash advances, banking, investing, crypto trading, and credit building into one platform. The cash advance feature is called Instacash.
Think of it as the Swiss army knife of personal finance apps. Lots of tools, all in one place.
Loan Amounts and Fees
Instacash offers up to $500 in advances. If you set up recurring deposits or use MoneyLion’s RoarMoney account, that limit can jump to $1,000.
No mandatory subscription for basic advances. No interest. No credit check. But “Turbo” instant transfers come with a fee that varies by amount. Membership plans range from $1 to $19.99 per month depending on features.
How to Get Funds
Download the app, set up a RoarMoney checking account or link your existing bank. MoneyLion reviews your income and transaction history to determine your advance limit.
The more you use MoneyLion’s banking products, the higher your Instacash limit tends to go.
Speed of Funding
Free standard transfers take one to five business days. Turbo delivery gets money to you within hours but costs extra. Transfers to a RoarMoney account are typically faster.
Credit Score Requirements
No credit check for Instacash. MoneyLion does offer a separate Credit Builder loan product that requires a soft pull, but the cash advance itself? Zero credit requirements.
Repayment Terms
Advances are repaid automatically when your next direct deposit arrives. No late fees. MoneyLion pulls only what you owe, and only when funds are available in your account.
Who It’s Best For
People who want everything in one app. Banking, borrowing, investing, and credit building without jumping between five different platforms. The $1,000 potential limit is also the highest among most peer-to-peer lending and cash advance alternatives.
Drawbacks
The advance limits are low if you don’t use MoneyLion’s own banking products. Expect around $100 to $250 without RoarMoney. Turbo fees stack up if you’re borrowing frequently. And some users find the multi-product approach overwhelming when they just need quick cash.
Cleo
What It Does
Cleo is an AI-powered financial assistant that tracks spending, builds savings, and offers salary advances. The chatbot interface is casual and conversational. It’ll even roast your spending habits if you ask it to.
The cash advance feature is part of Cleo’s paid plan, designed for people who want budgeting help alongside emergency funds access.
Loan Amounts and Fees
Cash advances go up to $250. Cleo Plus costs $5.99 per month and includes up to $100 in advances. Cleo Builder costs $14.99 per month and unlocks up to $250 plus credit-building tools.
No interest. No late fees. Express delivery costs between $2.99 and $5.99.
How to Get Funds
Connect your bank account through the app. Cleo’s AI analyzes your income, spending, and account history. You’ll need recurring deposits and a consistent balance to qualify.
The process is fast but the advance amount starts small and grows as you build history with the app.
Speed of Funding
Standard transfers take two to four business days. Express delivery hits your account within hours. Funding speed depends on your bank’s processing times.
Credit Score Requirements
No credit check. Cleo evaluates your bank activity instead. The Builder plan also includes a credit building tool that reports to credit bureaus, but it’s separate from the advance feature.
Repayment Terms
Cleo auto-deducts from your linked account on your next payday. If you need to adjust, you can manage repayment through the app. There are no penalty fees for late payments.
Who It’s Best For
Younger users who like a more casual, app-first approach to money management. Cleo’s budgeting tools and the AI chat are genuinely useful for tracking where your money goes. If you’ve tried apps similar to Albert and want something with more personality, Cleo might click.
Drawbacks
The $250 cap is modest. And you need a paid subscription to access any advance at all. Starting limits can be frustratingly low, sometimes just $20 or $50. Some users report the AI chatbot isn’t helpful when you have real account issues.
Prosper
What It Does
Prosper is one of the original peer-to-peer lending platforms in the U.S., operating since 2005. It connects borrowers directly with investors who fund personal loans. This isn’t a cash advance app. It’s a proper lending marketplace.
Prosper also offers credit cards, home equity products, and investment opportunities.
Loan Amounts and Fees
Personal loans range from $2,000 to $50,000. That’s a different league from Solo Funds’ $575 max. Interest rates run between 6.99% and 35.99% APR depending on your credit profile.
Origination fees sit between 1% and 9.99% of the loan amount. No prepayment penalties.
How to Get Funds
Apply online. Prosper checks your credit and assigns a rating that determines your interest rate. Higher ratings get lower rates. You can also apply jointly with a co-borrower to strengthen the application.
Once approved and funded by investors, the money goes to your bank account.
Speed of Funding
Prosper says over a third of loans are funded within 24 hours of approval. Most borrowers receive funds within one to three business days.
Credit Score Requirements
This one requires a credit check. Prosper typically looks for a minimum score around 600, though approval depends on multiple factors including debt-to-income ratio.
Repayment Terms
Fixed monthly payments over two to five years. The rate and term are locked in at origination. You can pay off early without penalties, which is nice.
Who It’s Best For
People who need a larger loan amount and have decent credit. Prosper works well for debt consolidation, home improvements, or bigger expenses that micro-lending apps can’t cover. It’s not really comparable to Solo Funds for small, quick-cash needs.
Drawbacks
Not for emergency cash. The application and funding process is slower. Credit check required. And origination fees can eat into your loan amount. If you need $100 before Friday, look somewhere else.
LendingClub
What It Does
LendingClub started as a peer-to-peer lender and has since grown into a full digital bank. It offers personal loans, checking accounts, high-yield savings, and CDs.
For borrowers, the main draw is unsecured personal loans without collateral.
Loan Amounts and Fees
Loans range from $1,000 to $40,000. APRs fall between 9.57% and 35.99%. Origination fees run 3% to 6% of the loan amount.
There’s a 15-day grace period on payments before late fees kick in.
How to Get Funds
Apply online through LendingClub’s website. The process involves a credit check and income verification. You’ll select your loan amount, purpose, and preferred term length.
Speed of Funding
Many loans fund within 24 hours of approval. Some take up to four business days depending on verification requirements.
Credit Score Requirements
LendingClub generally requires a minimum credit score around 600. Your rate depends on creditworthiness, income, and existing debt.
Repayment Terms
Fixed monthly payments over three or five years. No prepayment penalties. The 15-day grace period gives a small buffer if you miss your exact due date.
Who It’s Best For
Borrowers who want a medium to large personal loan at a fixed rate. Good for credit card consolidation or covering significant expenses. If you’re already exploring buy now pay later alternatives like Sezzle for smaller purchases, LendingClub handles the bigger stuff.
Drawbacks
Not a quick-cash solution. Requires a credit check and minimum score. Origination fees reduce your actual payout. And you can’t borrow under $1,000, so it’s useless for small emergency expenses.
Klover
What It Does
Klover is a cash advance app that uses a points-based rewards system. You earn points by completing simple tasks like watching ads, scanning receipts, or answering surveys. Those points increase your borrowing limit over time.
The app also offers budgeting tools and financial insights to help manage spending between paychecks.
Loan Amounts and Fees
Advances go up to $200 with no interest, no credit check, and no late fees. Starting limits are smaller and grow as you accumulate points.
Standard bank transfers are free. Instant transfers cost a small fee. There’s an optional Klover+ subscription for extra features like credit monitoring and financial advice.
How to Get Funds
Download the app, link your checking account, and verify your income. Klover checks your deposit history and account standing to set your initial limit. Then you start earning points to unlock higher amounts.
Verification can take a few days for new users, so don’t expect same-day access on your first try.
Speed of Funding
Standard delivery takes one to three business days. Instant transfers hit your account within minutes for a fee. The speed is comparable to most Klover-style lending apps.
Credit Score Requirements
No credit check. Klover evaluates your income pattern and bank account activity. Limited or bad credit history won’t disqualify you.
Repayment Terms
Klover automatically deducts the advance from your account on your next payday. No late fees if the timing shifts slightly. The repayment is straightforward.
Who It’s Best For
People who need a small bridge between paychecks and don’t mind completing tasks to boost their limit. The points system is a little gamified, which some people enjoy and others find annoying. At least in my experience, it works best for regular users who stick with the app long-term.
Drawbacks
The $200 limit is low. And that limit starts even lower. If you need money right now and just downloaded the app yesterday, Klover probably won’t solve your problem. The points system also means you’re essentially trading time and attention for borrowing power.
Chime
What It Does
Chime is a mobile banking app with a cash advance feature called SpotMe. It’s not a lending platform in the traditional sense. SpotMe is actually overdraft protection that lets you spend more than your account balance without fees.
Chime also offers a checking account, savings account, early direct deposit, and a credit builder card. It’s FDIC-insured through partner banks.
Loan Amounts and Fees
SpotMe covers up to $200 in overdrafts. No fees. No interest. You start with a smaller limit and it grows based on your account activity, deposit frequency, and repayment history.
There’s no monthly membership fee for Chime. Zero minimum balance requirements.
How to Get Funds
Open a Chime checking account and set up qualifying direct deposits. SpotMe eligibility requires at least $200 in qualifying direct deposits per month. It works through your Chime debit card.
This is a key difference. You don’t request an advance. You just use your card as normal, and SpotMe covers the shortfall automatically.
Speed of Funding
Instant. Since SpotMe works as overdraft coverage, there’s no waiting. Your transaction simply goes through even if your balance can’t cover it. For cash advance apps that work with Chime, this is the simplest integration.
Credit Score Requirements
No credit check for SpotMe or the checking account. Chime doesn’t pull your credit report. The Credit Builder secured card also requires no credit check.
Repayment Terms
SpotMe a
FAQ on Apps Like Solo Funds
What apps let you borrow money like Solo Funds?
Dave, Earnin, Brigit, MoneyLion, and Possible Finance are popular alternatives. Each offers cash advances with no credit check. Amounts, fees, and repayment terms vary between platforms.
Do cash advance apps check your credit score?
Most don’t. Apps like Earnin, Brigit, and Klover skip the FICO check entirely. They evaluate your bank account activity, deposit history, and spending patterns instead. Bad credit won’t disqualify you.
What is the maximum you can borrow from these apps?
It depends on the app. Dave offers up to $500, Earnin goes to $750 per pay period, and MoneyLion’s Instacash reaches $1,000 with qualifying deposits. Solo Funds caps at $575.
Are peer-to-peer lending apps safe to use?
Generally, yes. Reputable platforms like Prosper and LendingClub use bank-level encryption and partner with FDIC-insured institutions. Always verify the app’s licensing and read user reviews before linking your bank account.
How fast can I get money from a cash advance app?
Many apps offer instant or same-day funding for a small express fee. Free standard transfers typically take one to three business days. Chime’s SpotMe works immediately since it functions as overdraft protection.
Do these apps charge interest or hidden fees?
Most cash advance apps charge zero interest. However, watch for monthly subscriptions, express delivery fees, and optional tips. Brigit costs $8.99 per month. Dave charges a service fee plus membership. Always read the fine print.
Can apps like Solo Funds help build my credit?
Some can. Possible Finance reports on-time payments to all three credit bureaus. MoneyLion and Brigit offer separate credit builder tools. But most basic cash advance features don’t affect your credit score at all.
What happens if I can’t repay on time?
Most apps don’t charge late fees. Possible Finance lets you reschedule payments up to 29 days out. Brigit offers free extensions. Dave may close your account after 60 days of non-payment, though.
Do I need a job to use these apps?
Earnin requires employer-based direct deposits and work verification. Others like Brigit and Dave just need recurring deposits from any source. Gig workers may qualify with consistent income flowing into their checking account.
Which app is the best alternative to Solo Funds?
There’s no single best answer. Dave works for larger advances. Earnin suits people who want zero mandatory fees. Possible Finance is ideal if you want to build credit while borrowing. Pick based on what matters most to you.
Conclusion
Finding the right apps like Solo Funds comes down to what you actually need. A quick $50 before Friday? That’s a different problem than consolidating $10,000 in credit card debt.
Each app on this list fills a specific gap. Earnin keeps costs near zero. Possible Finance builds your credit history with every repayment. MoneyLion bundles banking and investing alongside its Instacash feature. Chime just quietly covers you when your balance dips.
Don’t chase the highest borrowing limit. Focus on total cost, repayment flexibility, and whether the app fits your financial wellness goals long-term.
Borrow only what you can pay back comfortably. These micro lending tools work best as a safety net, not a routine. Your mileage may vary, so compare fees and read the terms before committing to any short-term lending platform.
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Over the years, he's worked with a range of clients and contributed to design publications like Design Your Way, Designmodo, WebDesignerDepot, WPDean, and Speckyboy, and Slider Revolution among others.
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