11 Best Loan Apps Like MoneyLion for Android & iOS

MoneyLion is one of the most used banking apps with loan support, but it’s hardly the only one.

More to that, there are loads of loan apps like MoneyLion for Android & iOS that offer similar functionality but on slightly different terms. These apps are aimed to give you the easiest way to get a loan — without even going to an actual bank. However, it’s always better to not need any loans and keep your financial health in shape, so make sure t get yourself a solid money counter app.

We’ve gathered together the 11 best apps in that category you may try. Have a look!



Let’s start with a money management app with loan support.

The main idea of this app is to help people to make thoughtful financial decisions and to understand how banking works. Herewith, the concept of the app is quite unique — it’s not like any other boring banking app you’ve seen before. This app is filled with emojis and cool graphics.

Beyond that, the app comes with cool smart assistance that may rather tell you about all your monthly expenses, or roast you. That’s right, you may ask the assistant to roast you for money waste, but it won’t be done without your permission. As for the loans, you may get up to $100 immediately- without any interest or credit history check.

The loan tool works offline, so you can get many wherever you are. In case you need more money, you’ll need to get through a standard loan application procedure. However, you won’t need to go to the bank or smth — just to fill in the application form and wait for the answer. The app comes with a reminders system, so you won’t miss the payment date.

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You may also like: 7 Best home loan apps in USA 2020



Next, we have an app that provides you with banking for humans (and that’s exactly what their slogan says)

The main goal of this app is to help people not be afraid of banking cause it’s not as difficult as it may seem. For this reason, this app has one of the simplest UI beneath all the banking apps. More to that, this app’s UI is the complete opposite of the previous one — with no emojis, jokes, and so on.

The registration process is fast and easy, and once it’s done, you’ll be able to get up to $200 in advance. Herewith, there are o extra fees, no interest, and no credit history check so no worries about that. Plus, there’s an instant $100 advance for emergencies. The app will send you a notification before the payback date, so you won’t miss it.

Additionally, the app comes with various financial tools that help you plan your budget, controls spendings, and all that. But the coolest thing is — this app may help you get a side-part job! There is plenty of hustle job offers you may apply to, and you can regale the location radius to get the nearest ones.

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This is a loan app that lets you get cash in advance with no interest.

This app has done everything to make loan applications as easy as they can be. The registration is fast, and you won’t even need to go through a credit history check to get an instant $250 loan. The app also doesn’t have any hidden fees so once the payback date comes — you’ll need to pay the same amount that you’ve borrowed.

You may also set the notifications to remind you about the upcoming payback date to not miss it. Along with that, you’ll be able to build your credit while using the app in order to get bigger loans. You get to build your credit score up to 60 which is amazing. As for the major loans, the app runs on 1-2 year terms, but you can always repay earlier than needed.

The app also covers various repayment options, so there’s something for everyone. Besides, the app will monitor all your spending, analyze them, and give you a list of your sending habits. It also comes with a built-in planner that lets you arrange your budget for a month ahead.




If you wanna learn to manage your finances — this app is for you.

Along with the loan service, this app is also filled with various budgeting tools that will help to maintain your financial health. To be more specific, there’s a spending insights tool that shows you all the expenses sorted by categories like food, clothes, bills, and more. You also get to add your own custom categories if needed.

Plus, you get to set limits for each category to avoid excessive money spending. Speaking of the loans, this app won’t let you loan loads of money — it’s more about small deposits to get rid of emergency situations. You may get up to a $50 loan immediately — with no credit check, no interest, and no hidden fees.

Once the repayment date will come, you’ll get a reminder to not miss it. Plus, you may set the same kind of notification to any of your spending categories like bills, school charges, and so on. The app can also manage your other credits if needed. The app does run on sub packs, but the cost is less than $2.

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It’s a banking app, that will be a great MoneyLion alternative.

Sooth to say, the functionality of this app is quite similar to the original. The app provides you with plenty of financial tools for saving, investing, and getting money in advance. What is more, the app comes with a team of human experts that are ready to answer all your financial questions 24/7.

You may ask an expert’s advice on investing, credit cards, student loans, or even a house loan if needed. Don’t be ashamed t ask questions — be ashamed to miss such an opportunity. As for the loans, once you’ll set up the direct deposit, you’ll be able to get up to $250 of instant loan (which means — no credit check, no interest, and no extra fees).

In case you’ll need to get a deposit to a debit card that is not related t this app, you’ll need to pay an extra $5 as a fee. Herewith, the app doesn’t have a repayment period — you can repay when the salary comes or when you’ll be able to afford it (just make sure not to cheat here). The app runs on smart security techs, so your info won’t be leaked.

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Check also: 9 Best Payday Loan Apps for Android & iOS 2019


EarninWanna get your money before the pay date? This app has you covered!

The concept of this app is quite simple — it lets you get some money out of your upcoming salary earlier. To be more specific, you may get a $100 daily loan and a $600 loan per paycheck. Once you’ll get the salary, you’ll need to give the exact amount of money back — with no extra charges, no interest, and so on.

You may also set the app to debit the cash-out money from your acc automatically. The mechanics of this app are quite simple. First, you get to connect your bank account with the app and add a bit card for future deposits. Then, you’ll need to add an employer and verify your work email to confirm your work there.

In case you don’t have a work email, there are other ways to confirm our workplace. The app is free, but you have the ability to tip for the service. There’s no minimum or maximum amount of money to tip, and you can totally go with $0 if needed. Besides, the app comes with 24/7 support ready to answer all your questions.

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Here’s a baking app that will have your back in case of an emergency.

In case don’t have any emergency savings and any unusual situation may ruin your entire budget — you definitely need this app. The app provides you with a $200 fee-free overdraft that you may spend on any needs possible. Plus, the app doesn’t have any monthly fees or any other extra charges at all.

It needs to be said, this app is not a bank, but you can connect it to your debit card to manage your finances. You may also manage all your credits within one app and get notified before the repayment date. The app also lets you set money goals and plan your budget to a month ahead.

The app comes with all-in-one security support — from two-factor authentication FaceID, so you can be sure no one will be able to reach it but you. Plus, you get to set transition alerts and balance updates to keep up with your budget. The app also lets you block the card with one tap if needed.

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This app lets you get some money out of your salary in advance before the pay date.

This app is commonly used by employees across the US and lets you get the wages you’ve earned right into your bank acc or the app’s card. That’s right, the app has its own debit card you may get to not pay extra fees for deposits. All you need to do for that is to sign in and fill the card application form. The cards usually get delivered pretty quickly so no worries about that.

As for the loans, you may get a paycheck up to 2 days earlier than expected. Apart from the salary, the app also lets you get 4 days early deposit for government payments. In case your employer is synced with the app, you’ll also get to view your worked hours and the money you’ve earned this month.

Plus, you may set money goals and use other tools that increase toy financial health. The app comes with a detailed spending tracker, and you can set low balance notifications if needed. Herewith, the app doesn’t have any minimum balance requirement to keep your acc active and no overdraft fees as well.

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It is an instant cash advance app that will have you covered no matter what.

This app lets you get up to $250 in advance without any overdraft fees, interest, and all that. Herewith, all you need to do for that is to sign up and there will be no credit history check. There won’t even be NY charges for late repayment, but it doesn’t mean you need to be late all the time.

Beyond that, the app lets you get up to 10% cashback on plenty of expense categories. To be more specific, the app covers hundreds of restaurants, online and offline stores, gas stations, cinemas, and more. The new offers come up weekly, so there’s always smth new for you to try.

The app also gives you access to over 35K ATMs across the US — all of them work 24/7, all week long, and on holidays. As you may have guessed, this app is not a bank, but you can connect it to your account. Don’t worry about privacy tho — the app runs on smart security algorithms, so your personal data will be safe.



This app is a different breed. It still helps you to get loans for shopping, but not in a standard way.

The thing is, this app lets you buy stuff online now, and pay for their overtime. Here’s how the app works — the first thing for you to do will be to sign in and let the app check your credit history. Then, you get to pick a payment plan — a standard one comes with 0% APR, but it won’t let you get loads of money.

The app usually offers several payment plans with different repaying periods, so there’s something for everyone. Then, you’ll need to choose an online store or a physical store and buy whatever you need. Besides, the app will give you regular personal discounts, so you could get an extra benefit.

Sometimes the app also lets you get cash back for shopping in specific stores so keep that in mind. It needs to be said, there are no hidden costs, penalties, and even no late fees, but it’s better for you to be late with repayment. The app also lets you open a saving account with no minimum or extra fees at all.

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You may also check: 16 Best Money Transfer Apps for Android & iOS



And lastly, we have an instant loan app that lets you get cash in advance.

The concept of this app is simple — it lets you get some money out of your future salary a couple of days earlier in advance. The main idea is to help you get out of emergencies, unexpected expenses, and all that. Then, once you’ll get your paycheck, you’ll need to repay the amount of money you’ve borrowed.

The good news is — the app comes with no interest, no late fees, and no credit check so no concerns about that. Plus, you get to sign up in secs, and once it’s done you may get an instant loan. You start with a minimum — around $100, but you’ll get to build up your credit with time.

Although there are no late fees, a late payment will badly affect your reputation, so you won’t be able to get bigger loans. The app also comes with useful budgeting tools that let you track monthly spending in categories and analyze the overall cash flow. You can even start a saving account with multiple saving goals if needed.

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Anne Novikova
Enjoy finding leading apps of all kinds and share them with the world. An iOS user with an interest to all gadgets that make life easier and more fun.