Apps Like Floatme 2023: Finding an Alternative that Works for You

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Floatme is a money-saving app available on the Google Play Store. It is a great alternative for people who don't want to pay their monthly bills for apps, such as Netflix or Spotify. It allows you to find various promotions and coupons from different brands and apply them in one purchase.

This also features sponsored ads and special offers that users may take advantage of by applying them to their purchases.

While Floatme is a great way to save money on your phone bill, there are some drawbacks. One of the first things you should know about this is that it does not work with every service provider.

This only supports Sprint and T-Mobile as their carriers. Also, some companies do not honor promo codes given by It, making your purchase more expensive.

It is an extremely popular app that helps you to better manage your money. They help with overdraft protection and building up a savings account, and they’ll even spot you a few dollars out of your upcoming paycheck. 

This is a free app available on Google Play and the Apple App Store. If you’re looking for an easy way to save your money, head to today!

Features Of Floatme:

  • It is a popular budgeting app
  • It works with a variety of carriers, including Sprint and T-Mobile
  • It does not support all companies, including some who do not honor promo codes given by Floatme

Alternatives of Floatme are like money lion, dave, Albert, earnin and many other apps that can be used instead of floatme, so lets have a look on these apps and their feature.

List Of Apps Like Floatme 2022

1. Dave

Dave is a Cash Advance company that provides Cash Advance for people who need a small advance amount. While taking a payday loan, borrowers should remember that it is not advisable to borrow more than they expect to repay on their next Cash Advance.

App Features:

You Can Get The Amount You Need, Fast And Easy:

Dave offers fast liquidity, with loans up to $200. Whether you need cash for unexpected bills or emergencies, Dave Cash Advance can help you manage your money better and repay the loan on time. You only need to provide your name, e-mail ID, phone number, and bank details.

The Cash Advance Is FDIC Insured:

Dave Cash Advance is FDIC insured, which means you never have to worry about your money. All the lenders working with Dave are authorized and regulated by the State Banking Authorities.


No Credit Check For The Loan:

All Dave Cash Advance applicants are required to fill in a simple online form, and then they get approved for an easy loan from Dave. The company doesn't ask you about your credit history while taking a Cash Advance from Dave.

It Also Provides A Credit Building Feature:

Dave loans can also help you build your credit history. If you make each of the payments on time and pay off your loan in full, then Dave Cash Advance report this activity to the leading consumer reporting agencies like Trans-Union and Experian. Your positive repayment behavior will help you improve your credit score.

Money Is Sent Directly To Your Account Within Minutes Of Approval:

Dave Cash Advance will deposit the loan amount into your bank account as soon as you provide details and finish your application. Dave gives you a quick turnaround time to spread your payments over a period of 14 days: which means you get up to 2 weeks to pay off your loan.

You Can Also Use Their Mobile App:

Dave has apps for both iOS and Android users, so you can take your Cash Advance anywhere. You can apply, get approved, and even make repayment to your Cash Advance via the app if you want.

No Overdraft Fees:

Dave does not charge any fees for overdraft, and users should never take a cash advance if they do not have enough money to repay.

2. MoneyLion

MoneyLion is a digital finance company that offers personal loans, credit cards, and insurance products to customers. The company was founded in 2012 and had its headquarters in New York. It has been helping consumers improve their financial health by providing them with customized solutions.

App Features:

An Instant Cash Loan Of Up To $250:

MoneyLion also offers payday loans of up to $250, which can help you meet your urgent needs.

Quick Loan Processing:

The company offers fast cash loans that are processed within 24 hours after approval, so borrowers don't have to wait for a long time to receive their funds.

Different Repayment Options:

Customers can repay their loan within six months and also avail of different repayment options – weekly, biweekly, and monthly – depending on their financial needs. The company's flexible repayment system will help you determine how much you want to pay each month so that you don't end up paying a lump sum at the end of the loan.


No Late Fees:

MoneyLion doesn't charge any late fees, and you can extend your repayment time to lessen the amount of interest that you'll need to pay. You can also choose a lower loan amount or an extended repayment period depending on your financial needs at the moment.

No Credit Check:

MoneyLion doesn't require borrowers to go through a credit check. All you have to do is submit a few personal details and provide information about your monthly income and expenses. MoneyLion will use this data to help determine your eligibility for the loan and calculate the maximum amount that you're qualified to borrow.

No Interest:

MoneyLion does not charge you interest, meaning that the entire loan amount is what you pay. The company doesn't add any extra fees, and customers can avoid unnecessary expenses by availing of this service.

Investment Options:

MoneyLion provides apps that help users monitor their spending and investments, as well as enhance their financial health. You can compare credit cards and personal loans from a wide range of providers to find the one that's best for your needs.

You Can Also Use It On Mobile:

The company offers an app that helps customers manage their finances conveniently. You can use the MoneyLion app to monitor your expenses and check your credit score, among other things.

3. Albert

Albert is a trusted name in the industry as it has been offering Cash Advances for over 10 years. The company has helped thousands of customers across the nation to take control of their financial independence. It doesn't discriminate against those with poor credit history and treats all equally.


Albert is another online lender which provides Cash Advance through the website. Borrowers should check with their state laws to ensure that they are legally allowed to take out a loan in their state. The company has been offering loans even for bad credit borrowers.

App Features:

Exclusive Offers For First-Time Users:

Users are eligible for exclusive offers if they are new to the service. They might get additional cash on their initial loan amount or can avail of zero-interest rates or reduced fees.

Loan Amounts Between Up To $250:

The company will provide you with an easy Cash Advance of up to $250 depending on your eligibility and desired loan term.

Convenient Repayment Options:

You can repay the borrowed amount along with the associated fees and charges within a period of 15 days to 1 month. Borrowers can easily make their monthly installment payments through the website or app, which is safe and secure. You can also avail yourself of the autopay feature for hassle-free payment.

Easily Switch Loans Without Extra Charges:

Albert does not charge an additional fee if you want to close or refinance your existing loan with another one that has better terms. You can avail of this benefit as many times as you want during the term of your loan.

It Also Provides A Credit Building Feature :

Albert can help you build your credit. If you repay your loan on time and in full, then the company reports this activity to leading consumer reporting agencies like Trans-Union and Experian. This will help improve your credit score for times when you need to take out loans in the future.

Early Payday:

If you need your cash advance before the scheduled time, then you can get it early. All you have to do is pay $15 on top of the borrowed amount. But if you repay your dues early, then you won't be charged any fees for this service.

Quick Turnaround Time:

You can also receive your loan amount fast. Albert provides instant cash loans to borrowers within the period of 30 minutes to one hour.

Automated Savings:

If you don't want to miss out on the benefits of saving money, then you can make use of Albert's automated savings feature. You can link your checking account and set a specific amount for each transaction to be transferred from your bank account to a separate investment account. This way, you will have enough money in an emergency or other financial setbacks that might happen in the future. Savings are an important aspect of financial planning.

Investment Options:

Albert offers you options to choose from when it comes to investment. You can avail of its Smart Savings account, which is a rewards-based savings account. It has an interest rate between 0.65% and 1.0%, depending on your creditworthiness.

4. Earnin

Earnin is an app that pays you every day if your income doesn't show up. Earnin gives out loans of $100 to $500 for 14 days, and you will get the money in your bank account once approved.

While Earnin has a different way of choosing users, you can still apply even with bad credit or no credit. In order to apply, you have to provide information about your work and income.

Earnin loans can be used to cover an urgent expense or for taking care of the bills when that unexpected expense comes up. They are not designed to be an ongoing way to borrow money but rather for emergency situations where you need some quick cash in your bank account.


Earnin is also similar to other loan companies like Avant, SoFi, or Upstart in the sense that it does not do a credit check on you before issuing a loan. This means that anyone with a job, regardless of their credit history, can take advantage of these loans.

Earnin is also different from other loan companies because it only issues short-term loans as opposed to installment loans which have fixed repayment schedules and terms. In contrast, Earnin loans are issued for a period of one month, with a single repayment due at the end of the term. Since repayment is made automatically every time you are paid, there are no late charges or fees apart from the previously stated 3 percent fee.

App Features:

No Credit Check:

Earnin doesn't do a credit check when you apply for their service, meaning that anyone can take advantage of these loans whether they have bad credit or not.

Fast Approval:

The company aims to make the process of applying for loans as quick and easy as possible. If you are approved, the money will be in your account within 1 business day.

Simple Repayment:

You can pay off the loan at any time without penalty charges or late fees. Loans are sent directly into users' bank accounts each payday so that they can repay them even on a monthly basis.

Simple Interest:

Earnin charges simple interest, meaning that you are charged nothing extra on top of the principal loan amount. The company also provides users with an affordable fee of 3 percent every month, which is charged to your checking account.


After reading the article, you should now understand what types of loan alternatives are available to you. You can use everything that you've learned here in order to get the best deal possible for your next loan.

But remember: Just because there are alternative options does not mean that they are better than traditional loans. Getting a traditional loan is a great option if you have a good credit rating and the process is much simpler in general.

Michael Restiano

I lead product content strategy for SaltMoney. Additionally, I’m helping our broader team of 4 evolve into a mature content strategy practice with the right documentation and processes to deliver quality work. Prior to Instacart, I was a content strategy lead at Uber Eats and Facebook. Before that, I was a content strategist at SapientNitro, helping major Fortune 500 brands create better, more useful digital content.

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