🔍 2026 Comparison
Tilt vs Dave vs Earnin vs Brigit
Full comparison of every major cash advance app — advance limits, fees, approval rates, and best-for recommendations.
Full comparison of every major cash advance app — advance limits, fees, approval rates, and best-for recommendations.
| Feature | 🏆 Tilt | Dave | Earnin | Brigit | MoneyLion |
|---|---|---|---|---|---|
| Max Advance | $400 | $500* | $750* | $250 | $500 |
| Monthly Fee | $8 | $1 | $0 (tips) | $9.99 | $19.99 |
| Interest | 0% | 0% | 0% | 0% | 0% |
| Credit Check | ✓ None | ✓ None | ✓ None | ✓ None | ✓ None |
| Employer DD Required | ✓ Not needed | ✓ Not needed | ✗ Required | ✓ Not needed | ✓ Not needed |
| Gig Income OK | ✓ Yes | ✓ Yes | ✗ Limited | ✓ Yes | ✓ Yes |
| Credit Card | ✓ Yes | ✗ No | ✗ No | ✗ No | ✓ Yes |
| Free Instant Delivery | ✓ Tilt Card | ✗ $3–$5 | ✗ $1–$3.99 | ✗ $0.99–$3.99 | ✗ Paid |
| Trustpilot | 4.7★ | 4.4★ | 4.5★ | 4.3★ | 4.2★ |
* Dave $500 and Earnin $750 require employer direct deposit and long account history. Most new users start much lower. Data: June 2026.
Highest consistent limit, free instant delivery, credit card, AutoSave. Best for most users who need $200+ regularly.
$1/month only. Best for users who need small occasional advances and have no credit-building goal.
Up to $750 for employer direct deposit users. Best if you have a traditional job and need over $400.
$9.99/month includes budgeting coaching. Best if you want hands-on guidance alongside advances.
$19.99/month, full banking suite. Best if you want to replace your entire bank, not just access emergency cash.
Tilt's credit card is the only credit-building product among cash advance apps that doesn't require high monthly fees.
Depending on your situation, some of these options may work better than Tilt.
APR 8–18% — significantly lower than Tilt's effective APR on small advances. Requires membership and 1–3 business days. Best when you're not in a rush.
If your FICO is 670+, you can qualify for cards with 0% interest for 12–21 months. Far cheaper than Tilt's $8/month in the long run if used responsibly.
Many employers offer payroll advances with zero fees. Check with HR before using any app — this is always the cheapest option when it's available.
Some retirement plans allow you to borrow against your own balance. Interest goes back to yourself. Risk: if you leave your job, the loan may become immediately due.
APR 300–400% + rollover traps. The most dangerous debt product available to consumers.
You risk losing your car. APR 100–300%. Never a better deal than Tilt.
Total cost often 2–3x the retail price. Marketed to people with limited options.
Tilt: highest consistent limit, free instant delivery, credit-building card included.