Eighteen Months Kindle Edition by Leslie Jones McCloud (Author) Format: Kindle Edition

Where can I get money online?

Generic AI 
Illustration of 
a payday
loan store. 
Looking to earn money online? You can take all week to explore how to make cash from home, freelancing, surveys, content creation, and digital side hustles.

But also, there are quick, short-term loan apps—that when utilized honestly and responsibly—can solve temporarily tight budget crises.

Payday loan apps offer quick cash advances before your next paycheck, helping cover emergencies. While convenient, they often include high fees or interest, so borrowing responsibly is essential to avoid debt cycles.

Brigit and Albert are the names of popular financial technology (fintech) apps designed to help users manage short-term cash flow issues, primarily through cash advances (small, interest-free loans repaid from future paychecks). 

Both apps are for people with tight budgets, offering tools to avoid overdraft fees or payday loans. Below, I’ll break down what each does based on their core features as of 2025.

Brigit

Brigit is a cash advance and budgeting app focused on quick financial relief and predictive insights. Key functions include:

  • Cash Advances: Provides up to $250 (or $500 with premium features) in fee-free advances, based on your bank activity and a proprietary “Brigit Score” that assesses eligibility without a credit check.
  • Budget Tracking and Insights: Analyzes spending patterns, offers personalized financial tips, and predicts potential overdrafts to help users avoid fees.
  • Overdraft Protection: Automatically transfers funds to prevent negative balances in linked accounts.
  • Additional Tools: Identity theft monitoring, credit-building features, and the option to extend repayment up to three times. It uses a subscription model ($9.99/month for Brigit Plus) for access to advances and premium tools.
  • How It Works: Link your bank account; advances are repaid automatically on payday. Instant transfers cost an extra fee (typically $3.99).

Brigit emphasizes simplicity and affordability for basic needs, making it ideal for users prioritizing low-cost overdraft prevention over broader banking features.

Albert

Albert is a more comprehensive all-in-one digital banking app that combines cash advances with savings, investing, and advisory services. Key functions include:

  • Cash Advances: Offers up to $250 in advances (or up to $1,000 in overdraft coverage) without interest, determined by income and spending analysis—no credit check required.
  • Banking and Savings: Provides checking and savings accounts with a cash-back debit card, automated savings transfers, and early direct deposit for paychecks.
  • Investing and Advice: Automated investing in diversified portfolios, plus access to “Genius” financial advisors for personalized budgeting, bill negotiation, and debt management via chat.
  • Budgeting Tools: Tracks expenses, categorizes spending, and offers goal-setting for savings.
  • How It Works: Requires a Genius subscription ($14.99/month) for advances and advanced tools; basic budgeting is free. Repayment is automatic from your linked account, with optional early payoff.

Albert stands out for users wanting an integrated platform beyond just advances, like holistic money management and growth features.

Both apps have faced scrutiny for subscription cancellation issues in the past (e.g., FTC settlements), so users should review terms carefully. They’re available on iOS and Android, and eligibility typically requires a U.S. bank account with steady direct deposits. If you’re comparing them, Brigit is cheaper for pure advances, while Albert offers more long-term financial ecosystem support.

Here’s the full comparison 👇

💸 

Brigit

  • Type: Financial app that offers cash advances, budgeting tools, and credit building.
  • Advance amount: Up to $250 (sometimes more for frequent users).
  • Repayment: Automatically deducted on your next payday.
  • Fees: No interest; the basic advance is free, but Brigit Plus ($9.99/month) gives access to larger advances and credit-building tools.
  • Extras: Budget tracking, overdraft prediction, and automatic advances to prevent negative balances.

💰 

Albert

  • Type: Financial app that combines banking, savings, and cash advances.
  • Advance amount: Up to $250 through the Albert Instant feature.
  • Repayment: Automatically taken on payday.
  • Fees: No mandatory fees, but they encourage an optional “tip”; subscription plan (“Albert Genius”) costs $8/month for financial advice and larger advances.
  • Extras: Automated savings, investment options, and real-time financial advice from “Geniuses.”

⚖️ 

Key Differences


Feature

Brigit

Albert

Max Advance

$250

$250

Monthly Fee

$9.99 (Brigit Plus)

$8 (Albert Genius, optional)

Credit Building

✅ Yes

🚫 No (not built-in)

Investment Option

🚫 No

✅ Yes

Budgeting Tools

✅ Yes

✅ Yes


In short:

  • Brigit focuses more on budgeting and credit building.
  • Albert focuses on banking, saving, and investing.


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