Compare providers.

Cash AppChimeDaveCurrentEarnInMoneyLionAlbertBrigitCleoVaroKloverPossibleCredit GenieVolaTiltSuperATM.comOneBlincMoney AppTrueEEmpower

Swipe provider chips, then swipe the comparison columns.

Evidence, access, costs, and repayment comparison for selected direct providers

Provider evidence	DaveDirect cash app APR-style check130.4% AmountAll feesDays Verified 2026-08-06High confidenceFee Schedule	EarnInDirect earned wage app APR-style check0.0% AmountAll feesDays Verified 2026-08-05High confidenceWhat are the fees for using EarnIn?
Access−
Advertised range	Advertised up to $500Maximum shown is not a promise of eligibility	Advertised maximum variesDaily and pay-period limits can both apply
Qualification limits	Personalized amountDeposit history and account activity affect access	Earned wage verificationHours, deposits, and account history affect available amount
Employer requirement	No employer enrollmentA qualifying linked account is still required	Employer connection may helpSome access routes work without employer enrollment
State availability	Broad U.S. eligibilityOfficial ExtraCash terms list all 50 states, D.C., and several U.S. territories; account approval still applies	Not available in all statesOfficial Cash Out support directs users to current terms; state and product route can affect access
Delivery timing	Route dependentFree ACH is slower; paid delivery may be faster	Standard or LightningFaster arrival carries a disclosed fee
Costs−
Required fee	Service feeGreater of $5 or 5% of the advance in the reviewed terms	$0 standard feeNo mandatory fee identified for the standard transfer route
Membership	Optional membershipUp to $5 monthly where selected	$0No recurring membership required for the reviewed cash-out feature
Express delivery	External debit deliveryPercentage fee shown before transfer; reviewed example starts at 1.5%	Lightning Speed feeThe amount is shown before a faster transfer
Tips	OptionalA tip can increase the amount debited on payday	Optional where offeredA tip raises total repayment but does not guarantee future access
Free-delivery path	ACH routeA slower no-express-fee delivery path is described	Standard transferTypically described as one to two business days
Repayment−
Debit method	Linked accountAutomatic debit or Dave Checking balance under the selected route	Connected bank accountAutomatic withdrawal for the amount cashed out plus selected costs
Expected timing	Agreed repayment dateUsually tied to the expected deposit date	Expected paydayRepayment is generally scheduled against the next qualifying pay date
Paycheck consequence	Next balance is reducedAdvance, service fee, delivery fee, and tip may arrive together	Lower payday balanceMultiple cash-outs can combine into a larger scheduled debit

Evidence before opinion. Terms change, and AI-assisted summaries may miss context. Collected entries link to the official source reviewed in the sandbox; entries without a complete editorial profile remain comparison records, not endorsements.