Waqtiyadu waa ku adag yihiin adduunka oo dhan, mararka qaarkoodna waxaad u baahan tahay uun dhaqaale kobcin si aad uga gudubto dhamaadka dhamaadka. Tani waa sababta abka hore ee lacagta caddaanka ah ee maalinta-bixinta ay u noqon karto badbaado xaaladaha saxda ah. Waxaan eegnay abka maanta la soo bandhigayo waxaanan soo xulnay dhowr barnaamij oo lacag caddaan ah oo hormarsan. 

Dave ( iOS iyo Android )

Ku dallicida lafteeda sidii "bangi u qaabilsan bini'aadamka, " Dave wuxuu rabaa inaad uga fikirto saaxiibkaaga dhaqaale. Dhammaan isticmaalayaasha abka waxay helayaan $100 oo lacag caddaan ah oo tas-hiilaad ah, iyo haddii aad dhigaal toos ah la sameysato Dave , xaruntaas waxay kor u dhaafeysaa $200.

Appku wuxuu kuu ogolaanayaa inaad hesho jeegaga mushaharka ilaa laba maalmood ka hor inta uu inta badan imanayo. In kasta oo ay ku kacayso $1 bishii khidmadaha isticmaalka app-ka, waxaad ku badbaadin doontaa in ka badan taas khidmadaha xad-dhaafka ah ee shilalka ah. Dave waxa uu la socdaa in aad isticmaashid wax dheeraad ah waxa uuna kuu ogolaanayaa in aad ka faa'ideysato tas-hiilaadkeeda si aad uga hortagto khidmadaha dheeraadka ah ee aan loo baahnayn.

Dave wuxuu u muuqdaa heshiis weyn, laakiin waxaan ka walaacsanahay in appku uu qayb ahaan lacag ka sameeyo niyadda dadka isticmaala iyada oo loo marayo talooyin, taas oo laga yaabo inaysan ahayn qaabka ugu waara.

Faa'iidooyinka^(Pros:)

• Ma xadidna codsiyada lacagta caddaanka ah, ilaa iyo inta aad nadiifisay kii u dambeeyay.
• Maamulka miisaaniyada caqliga^{(Intelligent)} leh si uu kaaga caawiyo samaynta biilashaada.
• Horumarinta kaashka^(Cash) ahi waa lacag- dulsaarna maaha.
• Kharashka app-ka ee bishii waa $1 kaliya

Qasaarooyinka:^(Cons:)

• Dave wuxuu lacag ka sameeyaa talooyinka isticmaalaha; Ma cadda sida ay tani u waari karto.

Brigit ( iOS iyo Android )

Brigit waa barnaamij kale oo lacag caddaan ah oo xariif ah kaas oo isticmaala algorithms si uu u saadaaliyo marka ay lacagtu kaa dhammaanayso. Kadib waxay si toos ah akoonkaaga kuugu shubaysaa ilaa $250. Dabcan, taasi waxay u malaynaysaa inaad bixinayso $9.99 kharashka xubinnimada. Isticmaalayaasha bilaashka ah waxay helaan digniinta, laakiin ma helaan shabakadda badbaadada.

Marka la barbardhigo abka sida Dave , khidmadu waxay u egtahay mid aad u adag. Si kastaba ha ahaatee, iyada oo la tixgelinayo sida ay u qaali noqon karaan khidmadaha dheeraadka ah ee shilalka ah, weli lacag badan kuma aha habka weyn ee waxyaallaha.

Brigit sidoo kale aad ayuu uga dabacsan yahay lacag bixinta marka loo eego inta badan. Waa suurtogal in dib loo dhigo bixinta hormariskaada, iyadoo ku xiran astaantaada.

Caawinta miisaaniyada iyo astaamaha shaqada dhinaceeda ayaa sidoo kale kaa caawin kara inaad si fiican u maamusho lacagtaada oo aad wax badan ka sameyso haddii aad u baahan tahay. Guud ahaan, kani waa adeeg si wanaagsan loo nashqadeeyay oo aan lahayn wax-dhimasho daran.

Faa'iidooyinka^(Pros:)

• Lacag hormaris ah oo dhan $250
• U furan kuwa leh dhibco credit xun ama aan lahayn.
• Ilaalinta wax-ka-beddelka tooska ah.
• Waxaa ku jira $1 milyan oo ilaalinta xatooyada aqoonsiga ee macaamiisha.^{(identity theft)}
• Kordhinta lacag bixinta waa suurtagal.

Qasaarooyinka:^(Cons:)

• $9.99 khidmad bishii ah si aad u hesho horu marin lacageed iyo caymis.

Awoodsiinta ( Android iyo iOS )

Empower waa barnaamij hore oo lacag caddaan ah oo caadi ah kaas oo bixiya wax ka badan ama ka yar lacag isku mid ah iyo astaamo la mid ah shay sida Brigit . Ma aha mid ka duwan apps-yada ay ku tartamayaan, laakiin waa in aynaan taas u qaadan meel xun.

Xooji^(Empower) sheegashooyinka in ay haystaan ​​agabka miisaaniyadeed ee ugu fiican marka loo eego barnaamijyada kale ee lacagta caddaanka ah, laakiin taasi way adagtahay in si dhab ah loo caddeeyo. Waxaan sidoo kale aragnay cabashooyin dhowr ah oo ka yimid isticmaalayaasha ee la xiriira arrimaha gelitaanka ama cilladaha abka. Markaa waxaa laga yaabaa in Empower software uu u baahan yahay inuu waqti yar ku qaato foornada. Weli, waxaa habboon in lagu daro liiska xulashooyinka haddii aadan oggolaan mid ka mid ah bixiyeyaasha kale, waxayna u muuqataa in arrimahan yar yar ay saameeyaan kaliya tiro yar oo isticmaalayaasha ah.

Faa'iidooyinka^(Pros:)

• $250 xadka hormaris ah.
• Lacag ku hel ilaa 2 maalmood si degdeg ah.
• Indheer-garadka Autosave wuxuu^{(Intelligent Autosave)} u guuraa lacag dheeraad ah akoon gaar ah.

Qasaarooyinka:^(Cons:)

• $8 khidmad bishii si aad u gasho dhammaan sifooyinka 14 maalmood ka dib.
• Qaar ka mid ah cabashooyinka abka farsamada ee faallooyinka isticmaalaha

Go2Bank ( Android iyo iOS )

Go2Bank aad ayuu uga badan yahay kaliya dalabka lacagta caddaanka ah. Waxa kaliya ee dhabta ah ee "horumarinta lacagta caddaanka ah" ee aad hesho waa $200 ilaalinta dheeraadka ah, laakiin taasi si wax ku ool ah ayey hoos ugu dhacdaa isla shay.

Taa beddelkeeda, Go2Bank waxay rabta inay bixiso adeeg bangi oo dhammaystiran, waana sababta lagugu dhiirigelinayo inaad dhigato dhigaal toos ah abka oo aad u beddesho dhaqaalahaaga dhammaan noocyada wax kala iibsiga. Waa xal bangi oo wanaagsan isticmaalayaasha aan heli karin meel leh bangiyada rasmiga ah ee caadiga ah.

Faa'iidooyinka^(Pros:)

• $200 ilaalinta xad dhaafka ah.
• Wax lacag ah malaha isticmaalayaasha dhigaalka tooska ah.
• Ka-noqoshada bilaashka ah ee ATM-yada^(ATMs) la ansixiyay iyadoo la isticmaalayo kaarka Go2Bank
• Sare (1%) APR xagga kaydinta
• Hesho jeegaga mushaharka ilaa 2 maalmood ka hor.

Qasaarooyinka:^(Cons:)

• $5 lacag ah oo aan lahayn deebaaji toos ah.
• 3% khidmad haddii aad ka baxdo ATM-yada^(ATMs) shabakadaha .

Kasbashada ( Android iyo iOS )

EarnIn waxay soo bandhigtaa maroojin xiiso leh oo ku saabsan sida badi codsiyada lacagta caddaanka ah ay u shaqeeyaan. Waxay isticmaashaa raadraaca GPS -ka iyo macluumaadka ku saabsan meesha iyo muddada aad shaqaynayso si loo ogaado qaddarka hormariska ah ee caddaaladda ah. 

Tani waa waxa u oggolaanaya EarnIn inay bixiso ugu badnaan $500. Si kastaba ha ahaatee, waxaan ka shakisanahay in kaliya tiro yar oo isticmaalayaasha ah ay heli doonaan wax badan. 

Faa'iidooyinka^(Pros)

• Amaah ilaa $500 ilaa $100 maalintii.
• Dabagalka caqliga leh ee amaahinta mas'uulka ah.
• Kaydinta waxaa lagu dhiirigeliyaa iyada oo loo marayo barbaro abaalmarin.

Qasaarooyinka:^(Cons:)

• Sida Dave , talooyinka waa qayb ka mid ah sida Earnin uu u sii jiro .

App-ka waxa kale oo uu bixiyaa abaalmarino si uu dad badan u badbaadiyo, iyadoo $10 kasta oo aad kaydsato ay ku siinayso gelitaanka lacag caddaan ah. Wadarta guud ee abaalmarinta, sida uu qabo EarnIn , waa 10 milyan oo doolar.

Caawi marka aad u baahan tahay

Qof kastaa wuxuu geli karaa xaalad uu xoogaa lacag caddaan ah oo maalmo kooban haysto uu ka hortagi karo dhibaato. Helitaanka lacag horudhac ah ka hor intaanan haysan barnaamijyadan hore ee lacagta caddaanka ah waxay ahayd geedi socod neerfaha, badanaa ku lug leh la safan koox rajo kale ah iyo buuxinta waraaqo badan oo kaliya si loo helo dhowr boqol oo doolar. Barnaamijyadan oo kale, geeddi-socodku wuxuu noqonayaa mid nadiif ah, degdeg ah, oo fudud.

Haddii aad u baahan tahay caawimo dheeraad ah oo lagu maareynayo dhaqaalahaaga, maxaad u akhrin weyday Barnaamijyada Dabagalka Miisaaniyadda iyo Kharashka ugu Fiican^{(The Best Budgeting and Expense Tracking Apps)} ?

The 5 Best Cash Advance Apps for iPhone and Android

Times arе hard worldwide, and sometimes you just need a slight financial bоost to get you ovеr the finish line. This is why a payday caѕh advance app can be a lifesаver under the right circumstanceѕ. We tоok a look at the apps that are on offer today and shortlisted a few standout cash advance apps. 

Dave (iOS and Android)

Billing itself as “banking for humans,” Dave wants you to think of it as your financial friend. All users of the app get a $100 cash advance facility, and if you set up a direct deposit with Dave, that facility goes up to $200.

The app lets you get your paycheck up to two days earlier than it would usually arrive. Although it costs $1 a month in fees to use the app, you’ll save much more than that in accidental overdraft fees. Dave keeps track of whether you use an overdraft and lets you make use of its facilities to prevent unnecessary overdraft fees.

Dave seems like a great deal, but we are a little concerned that the app makes money partly from users’ goodwill through tips, which is perhaps not the most sustainable model.

Pros:

• No limit to cash advance requests, as long as you cleared the last one.
• Intelligent budget management to help you make your bills.
• Cash advances are fee- and interest-free.
• The monthly app fee is only $1

Cons:

• Dave makes money from user tips; it’s unclear how sustainable this is.

Brigit (iOS and Android)

Brigit is another smart cash advance app that uses algorithms to predict when you’re going to run out of money. Then it automatically puts up to $250 in your account. Of course, that’s assuming you’re paying the $9.99 membership fee. Free users just get the warning, but not the safety net.

Compared to apps like Dave, the fee does seem rather steep. However, considering how expensive accidental overdraft fees can be, it’s still not much money in the greater scheme of things.

Brigit is also more lenient on repayments than most. It’s possible to delay repayment of your advance, depending on your profile.

The budget helper and side-job features can also help you manage your money better and make more of it if you need to. In general, this is a well-designed service with no severe downsides.

Pros:

• Solid $250 cash advance offer.
• Open to those with bad or no credit score.
• Automatic overdraft protection.
• Includes $1 million in identity theft protection for subscribers.
• Repayment extensions are possible.

Cons:

• $9.99 monthly fee to access cash advance and insurance.

Empower (Android and iOS)

Empower is a typical cash advance app that offers more or less the same amount of money and a similar set of features to something like Brigit. It doesn’t set itself apart from the apps it’s competing against, but we shouldn’t hold that up as a negative point.

Empower claims to have the best budgeting tools compared to other cash advance apps, but that’s hard to prove objectively. We’ve also seen several complaints from users related to login issues or app bugs. So perhaps Empower’s software needs to spend a little more time in the oven. Still, it’s worth adding to the list of options if you don’t get approved by one of the other providers, and it seems these minor issues affect only a minority of users.

Pros:

• $250 advance limit.
• Get paid up to 2 days faster.
• Intelligent Autosave moves extra money into a separate account.

Cons:

• $8 monthly fee to access all features after a 14-day trial.
• Some technical app complaints from user reviews.

Go2Bank (Android and iOS)

Go2Bank is a lot more than just a cash advance application. The only actual “cash advance” you get is the $200 overdraft protection, but that effectively comes down to the same thing.

Instead, Go2Bank aims to offer a comprehensive banking service, which is why you’re encouraged to set up direct deposit with the app and switch your finances over for all sorts of transactions. It’s a good banking solution for users who can’t find a place with mainstream formal banking.

Pros:

• $200 overdraft protection.
• No fees for direct deposit users.
• Free withdrawals at approved ATMs using your Go2Bank card.
• High (1%) APR on savings.
• Get your paycheck up to 2 days early.

Cons:

• $5 fee without direct deposit.
• 3% fee if you withdraw from out-of-network ATMs.

Earnin (Android and iOS)

EarnIn offers an interesting twist on how most cash advance applications work. It uses GPS tracking and information about where and for how long you work to figure out a fair advance amount. 

This is what allows EarnIn to offer a maximum advance of $500. However, we suspect that only a minority of users will get that much. 

Pros

• Borrow up to $500 at up to $100 per day.
• Intelligent tracking for responsible lending.
• Savings incentivized via prize draws.

Cons:

• Like Dave, tips are a part of how Earnin stays afloat.

The app also offers prizes to get more people to save, with every $10 you save giving you an entry towards winning cash. The total prize pool, according to EarnIn, is 10 million dollars.

Help When You Need It Most

Everyone can get into a situation where just having some cash for a few days can prevent hardship. Getting a cash advance before we had these cash advance apps was a nerve-wracking process, usually involving lining up with a group of other hopefuls and filling in a heap of paperwork just to get a few hundred dollars. With apps like these, the whole process becomes clean, fast, and easy.

If you need more help managing your finances, why not read The Best Budgeting and Expense Tracking Apps?

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