Solo Funds is a remarkable financial app that deserves recognition among the best fund apps available today. This app provides a platform for individuals to borrow and lend money directly without the need for traditional banks or intermediaries.

With the increasing importance of financial apps like Solo Funds, people now have greater control over their finances and can easily access funds to meet their immediate needs. No longer reliant on lengthy loan processes or complicated financial systems.


KeyTake Aways:

  • Solo Funds is a popular app for borrowing and lending money without traditional banks.
  • Alternatives like Brigit, Dave, Cash App, Cleo, and Varo Bank offer similar features.
  • These apps provide instant cash access, credit-building tools, and personalized financial insights.
  • They prioritize security and privacy and may not require a credit check.
  • Some apps have fees but offer benefits like improved financial management and accessibility to funds.
  • Choosing the right alternative depends on individual needs and goals.

List of 16 Best Apps Similar to Solo Funds

1. Brigit

Image Representing Birgit App on Apple Store alternative to solo funds

Brigit is a financial app aimed at helping users improve their financial situation. With over 4 million users it offers fast cash, credit-building tools, and financial insights to help users budget effectively.

Key features:

  • Instant approval, no credit checks or late fees.
  • Improve credit score without deposits or approvals.
  • Gain valuable spending and budgeting insights.
Play Store Apple Store
4.7/5 rating, 168k Reviews 4.8/5 rating
5M+ Downloads 271.2K Ratings


  • Quick cash access.
  • Credit improvement.


  • Subscription required.
  • Limited availability in some states.

2. Dave

Image Representing Dave App on Apple Store alternative to solo funds

Dave is a financial app that helps you manage your money. It offers different products like the ExtraCash account, Dave Spending account, Goals account, and Side Hustle opportunities. It aims to make your financial life easier and help you avoid fees.

Key Features:

  • Control spending, budgeting, and earn cash back.
  • Over 1000 ways to earn extra money.
  • Security, FDIC-insured up $250,000.
Play Store Apple Store
4.3/5 rating, 509k Reviews 4.8/5 rating
10M+ Downloads 671K Ratings


  • Quick access to up to $500 with ExtraCash™.
  • High 4% APY with the Goals account.


  • Availability varies by location.
  • Responsible account management required.

3. Cash App

Image representing Cash app on apple store

Cash App is a money management platform that helps you with your finances. It allows you to send, spend, and save money effortlessly. With this App, you can also buy stocks or bitcoin, making it a versatile tool for investing. While it’s not a bank, it offers banking services and prepaid debit cards.

Key features:

  • Instantly pay anyone and save on your expenses.
  • Bank the way you want, without unnecessary fees.
  • Buy, sell, send, and receive bitcoin, plus invest in stocks.
Play Store Apple Store
4.9/5 rating, 2.9M Reviews 4.8/5 rating
50M+ Downloads 5.8M Ratings


  • Free and convenient money transfers and discounts on everyday spending.
  • Easily buy stocks or bitcoin and bank without fees.


  • Risks associated with bitcoin trading and investing.
  • Additional fees for certain securities transactions.

4. Empower

Image Representing Empower App on Apple Store

Empower is a financial technology company that offers banking services and tools to help you manage your money effectively. It provides features like Cash Advance, Thrive line of credit, Automatic Savings, Credit Monitoring, and Spend Tracking.

Key Features:

  • Easy saving by determining when and how much to save.
  • Track your credit score for understanding and improvement.
  • Personalized budgeting with weekly or monthly expense caps.
Play Store Apple Store
3+/5 rating 4.8/5 rating
1M+ Downloads 156.1K Ratings


  • Instant access to $10-$250 with no fees
  • Chance to build credit history with $250


  • Cash Advance eligibility varies.
  • Not eligible for Cash Advance with Thrive line of credit open.

5. Klover

Image representing Klover app on apple store

Klover is a website and app that helps people get cash in advance without any extra fees or interest charges. It lets you borrow up to $200, even if your payday is a little while away. You can sign up in just a few seconds by giving your name, email, and phone number. Then, you connect your bank account so they know where to send the money.

Key Features:

  • Personalized financial tools for setting spend and save goals
  • Optional credit score tracking
  • Daily chances to win cash prizes
Play Store Apple Store
4.3/5 rating, 57k Reviews 4.7/5 rating
1M+ Downloads 160.5K Ratings


  • Interest-free and fee-free cash advances
  • Opportunity to earn points through surveys and ads


  • Cash advance limit capped at $200
  • Relies on users linking their bank accounts

6. Cleo

Image Representing Cleo App on Apple Store

Cleo is the world’s first AI assistant dedicated to personal finance. It offers a range of tools and features to help users manage their money, including budgeting assistance, credit-building opportunities, and the ability to save and track expenses. They aim to make money management easier and more accessible for everyone.

Key Features:

  • Tools to create and track budgets
  • Offers a Credit Builder Card that can help users improve their credit scores
  • Provides various tools such as setting savings goals, automatic savings transfers, and personalized savings recommendations
Play Store Apple Store
4.0/5 rating, 60.7k Reviews 4.7/5 rating
1M+ Downloads 2.6K Ratings


  • User-friendly interface
  • Comprehensive financial tools


  • Limited availability
  • Potential privacy concerns

7. Payactiv

Image representing Payactiv app on apple store

Payactiv. is a comprehensive Financial Wellness platform that offers Earned Wage Access (EWA) and a suite of tools to improve employees’ financial well-being. It allows users to access their earned wages before payday, develop better financial habits, receive exclusive discounts, and more.

Key Features:

  • Earned Wage Access for accessing earned wages early
  • Budgeting and saving tools for better financial management
  • Shift scheduling and work alerts for staying connected with work
Play Store Apple Store
4.3/5 rating, 25.2k Reviews 4.9/5 rating
500k+ Downloads 31 Ratings


  • Access to earned wages before payday
  • Budgeting and saving tools within the mobile app


  • Limited employer enrollment
  • Dependence on employer integration

8. Possible

Image Representing Posibble App on Apple Store

Possible Finance is a financial platform that offers products and services to improve individuals’ financial health. They provide loans and a card that helps users access money quickly, build credit, and manage their finances effectively.

Key Features:

  • Instant borrowing up to $500
  • Credit-building options with their card and loan
  • Financial management tools to avoid penalties and late fees
Play Store Apple Store
3.9/5 rating, 50.3k Reviews 4.8/5 rating
1M+ Downloads 102.6k Rating


  • Quick access to funds
  • Credit-building opportunities


  • Limited loan amounts (varies by state)
  • Availability may vary by location

9. Varo Bank

Image representing Varo app on apple store

Varo is a financial platform that offers a range of features and services to help individuals manage their finances effectively. It provides a user-friendly mobile app that allows users to access various financial tools and services.

Key Features:

  • Mobile banking app for convenient account management
  • Transparent fee structure for more affordable banking
  • Personalized money management tools
Play Store Apple Store
4.7/5 rating, 213k Reviews 4.9/5 rating
5M+ Downloads 190.4K Ratings


  • Intuitive budgeting and spending tracking tools
  • Transparent fee structure without hidden charges


  • Limited physical branches for in-person customer service
  • Service availability may vary by location

10. Lenme

Image Representing Lenme App on Apple Store

Lenme is a financial platform that connects borrowers and lenders through a mobile app. It aims to simplify the lending process and provide immediate access to capital for borrowers while offering lenders data and tools to make informed investment decisions.

Key Features:

  • Easy loan request process for borrowers.
  • Comprehensive borrower data provided to lenders for smarter investments.
  • Full-service loan management, including payments and collections.
Play Store Apple Store
3/5 rating, 4.01k Reviews 4.3/5 rating
100k+ Downloads 26.9K Ratings


  • Transparent access to capital for borrowers.
  • Extensive borrower data and tools for lenders.


  • Limited loan amounts offered.
  • Reliance on technology for banking needs.

11. Prosper

Image Representing Prosper App on Apple Store

Prosper is a financial platform offering tools for borrowing, saving, and earning money. It provides various financial solutions like personal loans, credit cards, home equity options, and investment opportunities. Prosper has been serving people for almost 20 years, helping them achieve their financial goals and fund their dreams.

Key Features:

  • Up to $50,000 with quick funding.
  • Access credit up to $3,000, easy application process.
  • Access up to $500,000 in home equity and low-rate options.
Play Store Apple Store
4.5/5 rating, 3.14k Reviews 4.7/5 rating
100k+ Downloads 2.7K Ratings


  • Loans, cards, equity, and investments.
  • Fast approvals and funding.


  • Eligibility criteria affect approval.
  • Loan limits: $2,000 to $50,000.

12. DailyPay On-Demand Pay

Image representing Dailypay app on apple store

DailyPay is a website that allows employees to get their earned wages before their usual payday. They can use the website or mobile app to track their earnings and request early transfers of their wages. It works alongside employers, so companies need to participate for employees to use this service.

Key features:

  • Seamless integration with existing payroll systems.
  • Focus on data security and privacy.
  • User-friendly app for easy access to earnings.
Play Store Apple Store
3+/5 rating 4.8/5 rating
1M+ Downloads 213.5K Ratings


  • Employees can access up to 100% of their earned wages.
  • DailyPay’s app helps employees budget and manage their finances.


  • Employer participation required.
  • Potential fees and limits may apply.

13. Kiva

Image representing Kiva app on apple store

Kiva is a website where you can make a difference by lending money to those in need. With just $25, you can support causes that matter to you. Whether it’s empowering women, promoting agriculture, or advancing education, you can choose borrowers or causes that inspire you. It has a strong repayment rate, ensuring that your money continues to have a positive impact.

Key Features:

  • Choose borrowers or causes directly.
  • Reinvest in new borrowers.
  • Supports borrowers worldwide.
Play Store Apple Store
4.7/5 rating, 637 Reviews 4.9/5 rating
50k+ Downloads 2K Ratings


  • Contribute to various causes.
  • 96% repayment rate.


  • Risk involved.
  • Limited focus.

14. Vola Finance

Image representing Vola Finance app on apple store

Vola Finance is an app that helps you manage your money wisely. You can get instant advances up to $300 without worrying about overdraft fees. With Vola, you can easily track your spending and make smart decisions. They offer tailored financial content to help you save and avoid debt. You can also build your Vola Score to access bigger advances and enjoy lower subscription fees.

Key Features:

  • Vola uses Plaid to securely link your bank.
  • Get notifications when your balance is low to avoid overdraft fees.
  • Enjoy budgeting, expense tracking, and credit score reporting for free with Vola.
Play Store Apple Store
3.9/5 rating, 3.38k Reviews 4.5/5 rating
100k+ Downloads 17.7K Ratings


  • Instant advances without credit checks or interest.
  • Smart spending insights for better money management.


  • Not responsible for bank fees resulting from insufficient balance.

15. Zirtue

Zirtue is a platform designed to simplify and streamline the process of managing loans between friends and family members. It eliminates the need for traditional IOUs by providing a system where users can borrow, lend, and repay money in an accountable manner. Users can easily send loan requests to trusted individuals, track loan repayments, and benefit from automatic repayment options.

Key features:

  • User-friendly interface for convenient loan management.
  • Partnership with TruStage™ for added financial security.
  • No credit checks, interest rates, payment penalties, and loan forgiveness options.
Play Store Apple Store
3.1/5 rating, 510 Reviews 4.3/5 rating
100k+ Downloads 802 Ratings


  • Easy borrowing process with friends and family.
  • Automatic repayments for convenience.


  • Limited to personal loans.
  • Requires existing connections on the platform.

16. Albert

Image representing Albert app on apple store

Albert is a website that helps you with your money. It offers banking, saving, investing, and money management services. With, you can get your paycheck early, save automatically, and track your expenses. It also protects your money by keeping an eye on it for any suspicious activity.

Key features:

  • 24/7 account monitoring for security.
  • Budgeting tools for tracking expenses.
  • FDIC insured up to $250,000.
Play Store Apple Store
4.1/5 rating,86.5k reviews 4.6/5 rating
5M+ Downloads 167.7K Ratings


  • Early paycheck access and overdraft protection.
  • Automatic saving based on income and bills.


  • Membership fee.
  • Service eligibility varies.

Comparison Chart of Key Features:

App Name Type of Service Key Features Interest Rates Loan/Advance Limits Credit Check Special Feature
Brigit Financial assistance app Instant approval, no credit checks or late fees Varies by service provider Up to $250 No credit checks Improve credit score without deposits or approvals
Dave Financial management app Control spending, budgeting, and earn cash back Varies by service provider Up to $500 No credit checks ExtraCash™ access up to $500
Cash App Money management platform Instantly pay anyone and save on expenses Varies by service provider Varies by provider No credit checks Bitcoin and stock investment options
Empower Banking services and tools Easy saving and credit tracking Varies by service provider Up to $250 No credit checks Cash Advance up to $250
Klover Cash advance app Personalized financial tools for setting spend and save goals No interest charges Up to $200 No credit checks Interest-free and fee-free cash advances
Cleo AI-powered personal finance assistant AI-powered budgeting and credit-building facility Varies by service provider Varies by service provider No credit checks AI-powered personal finance assistant
Payactiv Employee financial wellness platform Earned Wage Access for accessing earned wages early N/A Varies by earned wages No credit checks Earned Wage Access before payday
Possible Financial health improvement platform Instant borrowing and penalty-free financial management Varies by service provider Up to $500 No credit checks Credit-building opportunities with the Credit Builder Card
Varo Bank Mobile banking app Intuitive budgeting and personalized money management tools Varies by service provider Varies by bank account No credit checks Intuitive budgeting and spending tracking tools
Lenme Peer-to-peer lending platform Easy loan requests and comprehensive borrower data for lenders Varies by service provider Varies by service provider No credit checks Comprehensive borrower data and tools for lenders
Prosper Financial platform for loans and investments Financial solutions including loans, cards, equity, and investments Varies by service provider Up to $50,000 Eligibility criteria affect approval Multiple financial solutions offered
DailyPay Early access to earned wages platform Early access to earned wages and seamless payroll integration N/A Varies by earned wages No credit checks Early access to earned wages
Kiva Online lending platform for charitable causes Lending platform for supporting borrowers and charity causes N/A Varies by borrower and cause No credit checks Contribute to various causes through lending
Vola Finance Financial management app with instant advances Instant advances without credit checks or interest N/A Up to $300 No credit checks Smart spending insights for better money management
Zirtue Platform for managing loans between friends and family Streamlined management of loans between friends and family N/A Varies by friend or family member No credit checks Loan management between friends and family
Albert Money management website offering banking services Banking, saving, investing, and money management services Varies by service provider Varies by service provider No credit checks Financial monitoring and protection against suspicious activity

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Frequently Asked Question ( FAQs)

Q: What are some alternatives apps like solo funds?

There are a lot of alternative apps like Solo including Cash App, Klover, Dave, Lemne, Varo, and more.

Q: Are these apps safe and secure?

Yes, these apps prioritize the security and privacy of their users. They use industry-standard encryption to protect personal and financial information.

Q: Do these apps require a credit check?

Many apps do not require a traditional credit check. They often consider other factors such as employment history, income, and financial behavior to determine eligibility and loan terms.

Q: Are there any fees associated with these apps?

Fees vary among different apps like Solo Funds. Some apps may charge fees for certain services, such as loan origination or transaction fees.