- Comparison table: Lenme and 7 alternatives
- 1. SoLo Funds — the closest Lenme alternative
- 2. Dave — fastest small advance
- 3. MoneyLion — free standard advance plus a marketplace
- 4. EarnIn — advances on hours already worked
- 5. Brigit — advances with budgeting tools
- 6. Chime MyPay — for Chime account holders
- 7. A lender network — not an app
- How to choose
- FAQ
Figures below come from each company's public listings and 2026 third-party reviews (NerdWallet, MoneyLion's SoLo review, SuperMoney, app stores). Limits and fees change often — confirm in the app before relying on them. lenmeloans.com is not affiliated with any company named here.
Comparison table: Lenme and 7 alternatives
| App / option | Max amount | Mandatory cost | Approval | Speed | Best for |
|---|---|---|---|---|---|
| Lenme | $5,000 ($10K crypto) | Subscription + up to 1% orig. + APR | Investor chooses | Hours–weeks; 1–2 days deposit | Larger P2P loans if you can wait |
| SoLo Funds | ~$650 (first ~$100) | None; optional tip ≤15%; 1.99% instant | Lender chooses | Hours–days | Tiny, short P2P loans |
| Dave | $500 | Membership ≤$5/mo + 5% service fee | Automated | Instant to Dave account | Fast small advance |
| MoneyLion Instacash | $500 ($1,000 some users) | None; Turbo $0.49–$8.99 | Automated | 1–5 days; instant w/ Turbo | Free small advance |
| EarnIn | $150/day, $1,000/pay period | None; optional tip; express $3.99–$5.99 | Automated (earnings-based) | 1–2 days; minutes w/ express | Hourly workers |
| Brigit | $500 | $8.99–$15.99/mo subscription | Automated | 2–3 days; 20 min express | Budgeting + advances |
| Chime MyPay | $500 | None; $2–$5 instant | Automated (Chime members) | 24 hrs; instant for fee | Existing Chime users |
| Lender network (this site) | $5,000 | None to request; lender APR/fees | Automated multi-lender review | Minutes; often next-day funding | $500–$5,000 with an answer today |
1. SoLo Funds — the closest Lenme alternative
Also peer-to-peer, but borrowers offer tips instead of paying interest, loans max out around $650 with first loans near $100, and terms run up to 35 days. No subscription. Same core weakness as Lenme: someone has to choose to fund you. Full comparison: Lenme vs SoLo Funds.
2. Dave — fastest small advance
ExtraCash up to $500, automated approval from bank activity, instant to a Dave account. Costs a monthly membership plus a 5% service fee ($5 minimum). Predictable but pricey per dollar. See Lenme vs Dave.
3. MoneyLion — free standard advance plus a marketplace
Instacash up to $500 (more for some users) with no mandatory fee on standard delivery, plus a loan marketplace for larger amounts and a credit-builder loan. See Lenme vs MoneyLion.
4. EarnIn — advances on hours already worked
Up to $150 a day and $1,000 per pay period based on verified earnings. No mandatory fees; optional tips and $3.99–$5.99 express fees. Works best for W-2 hourly employees with a fixed workplace or timesheet.
5. Brigit — advances with budgeting tools
Up to $500 with a required $8.99–$15.99 monthly subscription, which is only worthwhile if you also use its budgeting and overdraft-alert features. Express delivery in about 20 minutes for $0.99–$5.99.
6. Chime MyPay — for Chime account holders
Up to $500 against upcoming pay, free in 24 hours or $2–$5 instantly. Only for Chime checking customers, so it's not an option if you bank elsewhere.
7. A lender network — not an app
If what you actually need is $500–$5,000 and an answer today, no cash-advance app will do it, and Lenme can't promise it. A lender-network request — the form on this page — sends one application to multiple third-party lenders who review it automatically. It's free, takes about 3 minutes, and you're never obligated to accept. Installment terms can run longer than Lenme's 12-month cap, which lowers the monthly payment.
Lender-network APRs vary widely by lender, state, and credit — from under 36% for installment loans to far higher for short-term products. Read the lender's disclosure before signing, exactly as you would on Lenme.
Skip the app downloads
One free request, multiple lenders, answers in minutes. $200–$5,000.
How to choose
- Need ≤$500 and you're paid within two weeks → Dave, MoneyLion, EarnIn, Brigit, or Chime (pick the one whose fee structure fits).
- Need ≤$650, like the P2P idea, no fees → SoLo Funds.
- Need up to $5,000 and can wait for investors → Lenme.
- Need $500–$5,000 and want to know today → lender-network request.
- Need more than $5,000 → credit union, bank, or a larger online personal loan.
Frequently asked questions
What app is most similar to Lenme?
SoLo Funds — it's also peer-to-peer. The differences are its tip-based cost model, smaller limits (around $650), and 35-day terms.
What's the cheapest Lenme alternative?
For small advances, MoneyLion Instacash standard delivery and EarnIn without tips can be free. For larger loans, compare APRs from a lender network against Lenme's feed.
Which Lenme alternative funds fastest?
Dave and MoneyLion (with Turbo) deliver instantly for eligible users. For amounts above $500, a lender-network request is typically the fastest route to an answer.
Do these alternatives check credit?
The cash-advance apps generally don't. Lender-network lenders may run soft or hard inquiries and will tell you before they do.
Can I use several at once?
Yes, but stacking multiple advances due on the same payday is a common way people end up short the following month. Borrow what you can repay.
Sources
Facts on this page were checked against the following sources on 2026-10-27. Links open in a new tab.
- Lenme: Borrowing and Lending — Apple App Store listing
- SuperMoney — Lenme Loan Reviews (2026)
- Finder — Lenme peer-to-peer lender review (updated Dec 2025)
- NerdWallet — Best Cash Advance Apps of 2026
- MoneyLion — SoLo Funds app review (Sept 2026)
- SoLo Funds blog — Comparing Lenme to SoLo Funds
- NCUA — Payday Alternative Loans