世界各地的日子都很艰难，有时你只需要一点点经济上的支持就可以让你越过终点线。这就是为什么在适当的情况下发薪日现金预支应用程序可以成为救命稻草的原因。我们查看了今天提供的应用程序，并入围了一些出色的现金垫款应用程序。
Dave将自己标榜为“为人类服务”，希望您将其视为您的金融朋友。该应用程序的所有用户都可以获得 100 美元的现金预支额度，如果您与Dave(Dave)设置直接存款，该额度最高可达 200 美元。
该应用程序可让您比通常到达的时间提前两天获得薪水。尽管使用该应用程序的费用为每月 1 美元，但与意外透支费用相比，您将节省更多。Dave会跟踪您是否使用透支，并让您利用其设施来防止不必要的透支费用。
Dave看起来不错，但我们有点担心该应用程序通过小费部分来自用户的善意，这可能不是最可持续的模式。
优点：(Pros:)
- 只要您清除了最后一个，现金预付款请求就没有限制。
- 智能(Intelligent)预算管理，帮助您制作账单。
- 现金(Cash)垫款是免手续费和免息的。
- 每月应用程序费用仅为 1 美元
缺点：(Cons:)
- 戴夫(Dave)从用户提示中赚钱；目前尚不清楚这是多么可持续。
Brigit是另一款智能预付现金应用程序，它使用算法来预测您何时会用完钱。然后它会自动在您的帐户中存入 250 美元。当然，这是假设您支付 9.99 美元的会员费。免费用户只会收到警告，但不会收到安全网。
与Dave等应用程序相比，费用似乎相当高。但是，考虑到意外透支费用可能有多昂贵，在更大的计划中仍然不是多少钱。
Brigit在还款方面也比大多数人更宽松。根据您的个人资料，您的预付款可能会延迟偿还。
预算助手和副业功能还可以帮助您更好地管理您的资金，并在需要时赚得更多。总的来说，这是一项精心设计的服务，没有严重的缺点。
优点：(Pros:)
- 可靠的 250 美元现金预支优惠。
- 向信用评分差或没有信用评分的人开放。
- 自动透支保护。
- 包括为订户提供 100 万美元的身份盗窃(identity theft)保护。
- 还款延期是可能的。
缺点：(Cons:)
授权（安卓(Android)和iOS）
Empower是一款典型的现金透支应用程序，它提供的金额或多或少与Brigit之类的应用程序类似。它并没有将自己与与之竞争的应用程序区分开来，但我们不应该将其视为负面因素。
与其他现金预支应用程序相比， Empower(Empower)声称拥有最好的预算工具，但这很难客观地证明。我们还看到了一些与登录问题或应用程序错误有关的用户投诉。所以也许Empower的软件需要在烤箱里多花一点时间。尽管如此，如果您没有得到其他提供商之一的批准，则值得将其添加到选项列表中，而且这些小问题似乎只影响少数用户。
优点：(Pros:)
- 250 美元的预付款限额。
- 最快 2 天获得付款。
- 智能自动保存(Intelligent Autosave)将额外的资金转移到一个单独的帐户中。
缺点：(Cons:)
- 试用 14 天后，每月 8 美元可访问所有功能。
- 来自用户评论的一些技术应用投诉。
Go2Bank（安卓(Android)和iOS）
Go2Bank不仅仅是一个现金预支应用程序。您获得的唯一实际“预支现金”是 200 美元的透支保护，但这实际上归结为同一件事。
相反，Go2Bank旨在提供全面的银行服务，这就是为什么鼓励您使用该应用程序设置直接存款并将您的财务转换为各种交易的原因。对于找不到主流正规银行业务的用户来说，这是一个很好的银行解决方案。
优点：(Pros:)
- 200 美元的透支保护。
- 直接存款用户不收费。
- 使用您的Go2Bank卡在批准的ATM 机上免费取款。(ATMs)
- 节省的高 (1%) 年利率。
- 提前 2 天领取您的薪水。
缺点：(Cons:)
- 无需直接存款的 5 美元费用。
- 如果您从网络外ATM 取款(ATMs)，则需支付 3% 的费用。
Earnin（安卓(Android)和iOS）
EarnIn对大多数现金预支应用程序的工作方式提供了一个有趣的转折。它使用GPS跟踪和有关您工作地点和工作时间的信息来计算出合理的预付款金额。
这就是让EarnIn提供最高 500 美元预付款的原因。但是，我们怀疑只有少数用户会得到这么多。
优点(Pros)
- 以每天最高 100 美元的价格借入最高 500 美元。
- 负责任贷款的智能跟踪。
- 通过抽奖激励储蓄。
缺点：(Cons:)
- 像戴夫(Dave)一样，小费是厄宁维持生计(Earnin)的一部分。
该应用程序还提供奖品，让更多人存钱，每存 10 美元，您就有机会赢取现金。根据EarnIn的统计，总奖池为 1000 万美元。
在您最需要时提供帮助
每个人都可能遇到这样一种情况，即只要有几天的现金就可以防止困难。在我们拥有这些现金预支应用程序之前获得现金预支是一个令人伤脑筋的过程，通常涉及与一群其他有希望的人排队并填写一堆文书工作只是为了获得几百美元。有了这样的应用程序，整个过程变得干净、快速、简单。
如果您需要更多帮助来管理您的财务，为什么不阅读最佳预算和费用跟踪应用程序(The Best Budgeting and Expense Tracking Apps)？
The 5 Best Cash Advance Apps for iPhone and Android
Times are hard worldwide, and sometimes you just need a slight financial boost to get you over the finish line. This is why a payday cash advаnce app can be a lifesaver under the right circυmstances. We took a look at the apps that are on offer todаy and shortlisted a few standout cаsh advаnce aрps.
Billing itself as “banking for humans,” Dave wants you to think of it as your financial friend. All users of the app get a $100 cash advance facility, and if you set up a direct deposit with Dave, that facility goes up to $200.
The app lets you get your paycheck up to two days earlier than it would usually arrive. Although it costs $1 a month in fees to use the app, you’ll save much more than that in accidental overdraft fees. Dave keeps track of whether you use an overdraft and lets you make use of its facilities to prevent unnecessary overdraft fees.
Dave seems like a great deal, but we are a little concerned that the app makes money partly from users’ goodwill through tips, which is perhaps not the most sustainable model.
Pros:
- No limit to cash advance requests, as long as you cleared the last one.
- Intelligent budget management to help you make your bills.
- Cash advances are fee- and interest-free.
- The monthly app fee is only $1
Cons:
- Dave makes money from user tips; it’s unclear how sustainable this is.
Brigit is another smart cash advance app that uses algorithms to predict when you’re going to run out of money. Then it automatically puts up to $250 in your account. Of course, that’s assuming you’re paying the $9.99 membership fee. Free users just get the warning, but not the safety net.
Compared to apps like Dave, the fee does seem rather steep. However, considering how expensive accidental overdraft fees can be, it’s still not much money in the greater scheme of things.
Brigit is also more lenient on repayments than most. It’s possible to delay repayment of your advance, depending on your profile.
The budget helper and side-job features can also help you manage your money better and make more of it if you need to. In general, this is a well-designed service with no severe downsides.
Pros:
- Solid $250 cash advance offer.
- Open to those with bad or no credit score.
- Automatic overdraft protection.
- Includes $1 million in identity theft protection for subscribers.
- Repayment extensions are possible.
Cons:
- $9.99 monthly fee to access cash advance and insurance.
Empower is a typical cash advance app that offers more or less the same amount of money and a similar set of features to something like Brigit. It doesn’t set itself apart from the apps it’s competing against, but we shouldn’t hold that up as a negative point.
Empower claims to have the best budgeting tools compared to other cash advance apps, but that’s hard to prove objectively. We’ve also seen several complaints from users related to login issues or app bugs. So perhaps Empower’s software needs to spend a little more time in the oven. Still, it’s worth adding to the list of options if you don’t get approved by one of the other providers, and it seems these minor issues affect only a minority of users.
Pros:
- $250 advance limit.
- Get paid up to 2 days faster.
- Intelligent Autosave moves extra money into a separate account.
Cons:
- $8 monthly fee to access all features after a 14-day trial.
- Some technical app complaints from user reviews.
Go2Bank is a lot more than just a cash advance application. The only actual “cash advance” you get is the $200 overdraft protection, but that effectively comes down to the same thing.
Instead, Go2Bank aims to offer a comprehensive banking service, which is why you’re encouraged to set up direct deposit with the app and switch your finances over for all sorts of transactions. It’s a good banking solution for users who can’t find a place with mainstream formal banking.
Pros:
- $200 overdraft protection.
- No fees for direct deposit users.
- Free withdrawals at approved ATMs using your Go2Bank card.
- High (1%) APR on savings.
- Get your paycheck up to 2 days early.
Cons:
- $5 fee without direct deposit.
- 3% fee if you withdraw from out-of-network ATMs.
EarnIn offers an interesting twist on how most cash advance applications work. It uses GPS tracking and information about where and for how long you work to figure out a fair advance amount.
This is what allows EarnIn to offer a maximum advance of $500. However, we suspect that only a minority of users will get that much.
Pros
- Borrow up to $500 at up to $100 per day.
- Intelligent tracking for responsible lending.
- Savings incentivized via prize draws.
Cons:
- Like Dave, tips are a part of how Earnin stays afloat.
The app also offers prizes to get more people to save, with every $10 you save giving you an entry towards winning cash. The total prize pool, according to EarnIn, is 10 million dollars.
Help When You Need It Most
Everyone can get into a situation where just having some cash for a few days can prevent hardship. Getting a cash advance before we had these cash advance apps was a nerve-wracking process, usually involving lining up with a group of other hopefuls and filling in a heap of paperwork just to get a few hundred dollars. With apps like these, the whole process becomes clean, fast, and easy.
If you need more help managing your finances, why not read The Best Budgeting and Expense Tracking Apps?
