Updated September 28, 2026 · BorrowCue Editorial Team
Brigit vs EarnIn
Brigit vs EarnIn: the differences
| Compare |  Brigit |  EarnIn |
|---|---|---|
| Loan amount | $25 to $500 | $0 to $1,000Higher |
| Arrangement fee | 0 (no origination fee; optional Express Delivery fee applies for Plus members) | 0 USD (standard speed transfer fee $0; optional Lightning Speed from $3.99 per transfer) |
| Funding time | Standard delivery 1-3 business days free; Express Delivery within 20 minutes for a fee (free on Premium) | 1-3 business days at no cost, or minutes with optional Lightning Speed |
| Lender type | Broker | Direct lender |
| Eligibility | US residents 18 years or older; checking account active 60+ days, balance above $0, at least three recurring deposits from the same source | At least 18 years old, primary residence in the United States (including U.S. territories), own a U.S. checking bank account and a valid U.S. cell phone number, consistent direct deposit pay schedule and at least $320 earned per pay period |
| Loan types | Payday, Cash advanceCovers more | Cash advance |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Poor | Not confirmed |
Same on both: APR (0%), Credit check (None).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- EarnIn scores higher overall: 9.2 vs 8.8.
- Loan amount is higher at EarnIn: $0 to $1,000 vs $25 to $500.
- Support channels: only Brigit offers Email, Phone.
- Support channels: only EarnIn offers Chat.
- Loan types: only Brigit offers Payday.
Our verdict on each
Brigit
Brigit suits US adults with poor credit and a bank account that already shows incoming deposits, and borrowing costs nothing: the annual rate is 0% and the arrangement fee is free. Money can arrive the same day, but sums are small at $25 to $500.
EarnIn
EarnIn suits US earners who want a small cash advance drawn against their pay without a credit check. Its APR of 0% sits at the top of the field, and the standard transfer carries no fee, so a short advance costs close to nothing.
Score breakdown
| Area | Brigit | EarnIn |
|---|---|---|
| Cost | 9.5The rate is 0%, the arrangement fee is free, and early repayment is free; the only charge is paid Express Delivery on Plus. | 9.7HigherAPR of 0%, an arrangement fee that is free on a standard transfer, and 0% origination, with speed delivery charged separately. |
| Offer | 8.7Higher | 8.2 |
| Trust | 8.3 | 9.2Higher |
From lowest to highest
| Fact | Brigit | EarnIn |
|---|---|---|
| Loan amount | $25 to $500 | $0 to $1,000 |
Pick Brigit if, pick EarnIn if
Pick Brigit if offer and loan types matter most.
Pick EarnIn if trust and loan amount matter most.
Where each is licensed and available
| Country | Brigit | EarnIn |
|---|---|---|
| United States | NMLS (US) 2429907 California Department of Financial Protection and Innovation (Income-Based Advance Provider, CCFPL registration) 04-CCFPL-2429907-3473890 |
Available in 1 country for both.
A third option
BriteCap Financial has loan amount at $5,000 to $1,000,000, against $25 to $500 for Brigit and $0 to $1,000 for EarnIn.
BriteCap Financial reviewHow they place
| Ranking | Brigit | EarnIn |
|---|---|---|
| Cash advance apps | 3 of 53 | 10 of 53 |
Every fact side by side
| Fact | Brigit | EarnIn |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Bridge It, Inc. | Activehours, Inc. (d/b/a EarnIn) |
| Headquarters | United States | United States |
| Founded | 2017 | Not confirmed |
| Support channels | Email, Phone, Help centre | Chat, Help centre |
Where each stands against the rest
| Fact | Brigit | EarnIn | Median |
|---|---|---|---|
| APR | 0%lowest quarter | 0%lowest quarter | 8.99% |
| Loan amount | $25 to $500lowest quarter | $0 to $1,000lowest quarter | $35,000 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 834 listed lenders.
Pros and cons
Brigit
Pros
- The annual rate is 0%, so the advance is free to take out and free to hold while you keep it.
- The credit check is none, so there is no bureau search to pass, and the rating needed is poor.
- Same day funding is a headline feature (same day funding), so an urgent bill does not have to wait for a full transfer cycle.
Cons
- The advance tops out at $25 to $500, so it will not stretch to a large bill or a consolidation.
- Eligibility is narrow: US residency, a minimum age, a checking account open for a waiting period, a balance above the minimum, and repeated deposits from the same source.
- Brigit is a broker, so the advance is placed by a partner lender rather than priced by Brigit itself.
EarnIn
Pros
- APR of 0% against a field median of 12%, and a rank of 1
- Credit check is none, so your score is not used to decide
- Advances run to $0 to $1,000, which covers rent, repairs or a car bill
Cons
- The account cap of $0 to $1,000 is small against a field median of €876.96
- The faster delivery is a paid upgrade on top of the free standard transfer
- Eligibility is tied to a consistent direct deposit pay schedule and a set amount earned per pay period
Who each suits
Brigit
Who it suits
- US adults with a poor credit history who want a free rate and will accept a small sum.
- Anyone who will not pay interest to hold a balance: alternatives such as Cashspace at PHP 12 to PHP 36 and Creditilia ES at 4% to 289% both cost money to carry.
- People whose checking account has been open a long time and receives the same deposits each month.
Who should look elsewhere
- Anyone chasing a large sum: the advance is capped at $25 to $500, so a bigger loan such as Andacredito at 0% to 36% may suit a larger bill.
- Readers without a steady deposit history, since the eligibility test is built on an account with recurring deposits rather than on a credit file.
- Borrowers who plan to carry a balance over a term, since Brigit's payday and cash advance products reward clearing the advance quickly.
EarnIn
Who it suits
- US workers paid by direct deposit who need a small advance before their next payday
- People with thin credit files who want a decision without a credit check
- Borrowers who can clear the advance on their next paycheque
Who should look elsewhere
- Anyone needing a larger sum, since the account stops at $0 to $1,000
- Brigit, if you want a similar app with a lower cap, at $25 to $500
- Exim Bank Djibouti, whose school loan runs to up to DJF 300,000 but serves a different market
Current offers
Brigit
Current offer
First period offer
Brigit Premium plan includes free Express Delivery on cash advances: $15.99/month plan, free Express Delivery
Premium membership; cancel anytime; not available in all states
Source, checked September 26, 2026
Country by country
| Country | Brigit | EarnIn |
|---|---|---|
| United States | Yes | Yes |
Questions about each
Brigit
What does a Brigit advance cost?+
The annual rate is 0%, so the advance is free to take out and free to hold. The arrangement fee is free as well, with no origination charge on the advance itself. The one optional cost is Express Delivery, which carries a fee for Plus members and is free on Premium accounts. Clearing the advance early costs nothing either.
Does Brigit run a credit check?+
The credit check is none, so there is no bureau search to pass, and the rating needed is poor. Approval leans on your bank account and its deposit history instead of on a credit file. For a borrower with a damaged score that is the point of the product rather than a shortcut.
EarnIn
What does an advance from EarnIn cost?+
The APR is 0%, and the arrangement fee is free on a standard speed transfer. The origination fee is 0%. In practice an advance cleared on the ordinary schedule costs very little, and the only charge appears if you pay for the optional faster delivery.
How much can I borrow with EarnIn?+
The account runs to $0 to $1,000, so the cap is modest. That is a good fit for rent, a car repair or a bill between paycheques, and it is well below the €876.96 field median, so it is not a route to consolidating larger debts.