Best SoLo Funds Alternatives
Not sure SoLo Funds is right for you? These 7 alternatives cover every need — from guaranteed funding to larger loan amounts.
Top 4 SoLo Funds Alternatives at a Glance
Hover over any info icon to see extra context. Click through to a detailed review of each.
7 Best Apps Like SoLo Funds
SoLo Funds isn't right for everyone. These alternatives cover different needs — guaranteed funding, larger amounts, or simpler interfaces.
Best for Guaranteed Small Advances
Up to $500 with no mandatory tip system. $1/month membership. Funds arrive within minutes to your Dave balance. Best for borrowers who need certainty that funds will come through.
Best for W-2 Employees
Up to $750 against wages you've already earned. No mandatory fees. Requires W-2 employment with direct deposit. Not available for gig workers or self-employed.
Best for Credit Building + Advances
Up to $250 with a $9.99/month subscription. Includes credit builder loan and identity theft protection. Best for those focused on long-term financial health alongside short-term needs.
Best Full-Service Fintech Alternative
Advances up to $500 plus a full banking suite including investment accounts and credit builder loans. More features than SoLo but also more complexity.
Best for Direct Deposit Users
SpotMe feature allows overdrafts up to $200 with no fees. Requires Chime account with qualifying direct deposit. Not a traditional cash advance — it's overdraft protection.
Best Free Option for Small Amounts
Up to $200 with no mandatory fees. Earn points through surveys and offers to increase your advance limit. Good for very small, short-term needs with no cost.
Best for True Installment Loans
Up to $500 repaid in 4 bi-weekly installments. Charges interest but reports to credit bureaus. A good bridge between cash advance apps and traditional personal loans.
Every Alternative Compared in Detail
These are the seven cash advance apps most often recommended as SoLo Funds alternatives, ranked by our editorial team based on fees, funding speed, credit-building support, and user reviews.
1. Dave — Best For W-2 Employees
Dave offers up to $500 in ExtraCash advances with no mandatory interest. Requires a linked bank account with regular direct deposit. Charges $1/month membership. Best alternative for salaried employees who want a guaranteed funding option.
Max advance: $500 · Monthly fee: $1 · Credit check: None · Best for: W-2 employees with steady direct deposit
2. EarnIn — Best For Hourly Workers
Earned Wage Access model — advances you money you've already earned but haven't been paid. Up to $150/day and $750/pay period. Uses GPS tracking to verify hourly work. Free tier available, tips optional.
Max advance: $750/pay period · Monthly fee: $0 · Credit check: None · Best for: Hourly W-2 workers with predictable schedule
3. Brigit — Best For Building Credit
Offers up to $250 advances with a Credit Builder feature that reports to credit bureaus. Requires Plus membership at $9.99/month. Auto-detects when you might overdraft and offers instant funding.
Max advance: $250 · Monthly fee: $9.99 (Plus) · Credit check: Soft · Best for: Users focused on credit score improvement
4. MoneyLion — Best All-In-One Fintech
Instacash advances up to $500 with no interest. Also includes RoarMoney (banking), Credit Builder Plus loans, and investment features. Free tier available, premium at $19.99/month.
Max advance: $500 · Monthly fee: $0 (basic) · Credit check: None for advances · Best for: Users wanting a full financial platform
5. Chime SpotMe — Best For Existing Chime Users
If you have a Chime spending account, SpotMe lets you overdraft up to $200 fee-free. Not a separate loan — it's built into Chime's banking. Requires $200+ monthly direct deposit to qualify.
Max spot: $200 · Monthly fee: $0 · Credit check: None · Best for: Existing Chime bank customers
6. Klover — Best For Users Willing to View Ads
Offers up to $200 advances with no fees or interest. In exchange, users view sponsored offers and answer surveys to earn points. Slower to build up to $200 limit but genuinely free.
Max advance: $200 · Monthly fee: $0 · Credit check: None · Best for: Budget-conscious users OK with ads
7. Possible Finance — Best For Larger Loans
Not a cash advance app but a small-dollar lender. Offers $50–$500 installment loans with credit reporting to all 3 major bureaus. Higher APR than SoLo Funds but easier approval than banks.
Max loan: $500 · APR: 150–200% · Credit check: Soft · Best for: Building credit with reporting to Experian, Equifax, TransUnion
All 8 Apps Compared at a Glance
| App | Max Loan | Monthly Fee | Credit Building | Funding Speed | Best For |
|---|---|---|---|---|---|
| SoLo Funds | $625 | $0 | ✅ Equifax | 20 min – 3 days | Gig workers |
| Dave | $500 | $1 | ❌ | 1–3 days (free) | W-2 employees |
| EarnIn | $750/period | $0 | ❌ | 1–2 days (free) | Hourly workers |
| Brigit | $250 | $9.99 | ✅ All 3 bureaus | Instant (Plus) | Credit builders |
| MoneyLion | $500 | $0 | ✅ (paid plans) | 1–3 days (free) | All-in-one users |
| Chime SpotMe | $200 | $0 | ❌ | Instant (Chime users) | Chime customers |
| Klover | $200 | $0 | ❌ | Instant | Ad-tolerant users |
| Possible Finance | $500 | $0 | ✅ All 3 bureaus | Same day | Long-term credit |