What is Giggle Finance?
Giggle Finance is a renowned and dedicated financing platform that offers cash advances to gig workers, independent contractors, self-employed individuals, and other small businesses. Giggle is one of the many apps that offers cash advances up to $10,000.
The requirements to qualify the advances are less strict as compared to banks and other lenders. It also offers discount schemes for early repayments. However, due to less positive customer reviews and a lack of transparency about rates and origination fees, people search for alternatives.
At GigsHelp, we show you the best alternatives to Giggle Finance, which may be easier to qualify, and funds can also be used for your business purposes.
Pros and Cons of Giggle Finance
- Discounts offer on early repayment.
- Easy to quality and fast funding.
- No credit score requirements.
Cons:
- High charges and origination fee.
- Low maximum advance amount.
- Doesn’t disclose rates and fees.
Our 10 Top Giggle Finance Alternatives
GigsCheck
GigsCheck offers loans for hardworking gig workers, 1099 workers, independent contractors, freelancers, and self-employed up to $5,000. It doesn’t require a good credit score and no credit check to qualify. You can pay your loan early without any critical penalty and could save hundreds in interest charges. Unlike Giggle Finance, you get everything transparent in your contract, from interest rates to terms and conditions. Once your cash advance is approved, funds will be credited to your account within 5-10 minutes*.
- Works with independent contractors & gig workers
- Instant cash advances from $250 to $2500
- No fees of any kind
- Have to sign up through a partner
Dave
Dave offers dedicated cash advances of up to $500 to gig workers, which includes budgeting tools that help manage money in and outlays effectively. Dave introduced a standalone feature that monitors the account and alerts users to prevent overdrafts. The app is also embedded with modern tools like spending insights and side hustle recommendations, making it the best app for those gig workers looking to stabilize their cash flow.
- Doesn’t require a credit check
- Opportunities to find more side gigs
- Doesn’t charge interest or late fees
- The repayment period may be short
- Must pay a monthly fee even if you don’t use it
Brigit
Brigit offers small cash advances of up to $250, as well as many other helpful financial tools, including budgeting insights, an expense tracker, and credit monitoring. Unlike Giggle, Brigit highly focuses on proactive financial management, altering users when the account balance is low and automatically credit advances to prevent overdrafts. Its economic health report and credit-building features make it an excellent option for gig workers and self-employed individuals who want to improve their overall financial well-being.
- Preventative overdraft notifications
- Can extend payment due date three times
- No interest or late fees
- Doesn’t disclose fees for instant transfers
- Must have three recurring deposits from same source
- Primary account must be opened for at least 60 days
EarnIn
EarnIn makes it possible for gig workers, rideshare and delivery drivers, and self-employed individuals to access a portion of their earned wages before their next payday. Instead of interest, Earnin works on voluntary tips, making it most suitable for those who want low-cost, flexible, and fast-approved funding. You can request up to $750 at any time, but please note that for immediate funding, a small fee will be required. Otherwise, wait for 2-3 days for free transfer.
- No membership fee
- No credit checks or interest charges
- Can access up to $750 per pay period
- Have to show proof of income
- Limited to h
Cleo
Cleo is one of the apps that mainly focuses on helping users improve their financial health through its helpful budgeting tools. You also receive AI-driven account insights and financial coaching from experts. It offers cash advances of up to $250, making it ideal for gig workers who want a combination of financial support and a tool to manage their money matters effectively.
- Interest-free cash advances
- Built-in money-management tools
- No credit check required
- Cash advances require membership
- Transfers can take a few days
- Low cash-advance maximum
- Lack of transparency about term
Branch
Branch is an app that offers instant cash advances designed explicitly for gig workers. It provides instant approved access to earned wages through its digital wallet feature. The branch is renowned among the gig economy community for its seamless integration with multiple gig platforms, including DoorDash, Instacart, and Lyft. By using this app, users can easily manage various gig income sources in one place. The branch’s cash advance is no-fee and also provides a range of financial tools to manage finances.
- Digital wallet for easy access
- Integrates with multiple gig platforms
- No fees for standard advances
- Lower advance limits compared to other apps
- Requires subscription for full features
- Limited to small cash advances
Ualett
Ualett helps many gig workers and independent contractors obtain cash advances, bridging the financial gap until their next payday. You can borrow up to $2,000 advances from Ualett. Compared to Giggle, Ualett focuses on no fees, but it may come with higher costs. However, they accept all types of credit and offer advances at fewer restrictions on borrowing amounts. If you want a large amount of cash to borrow, the Ualett app is a favorable option.
- Dedicated to independent contractors and other gig workers
- Flexible repayment options
- Transparent pricing and no hidden fees
- Participation is by invitation only
- Interest rates and fees can be higher
- Ualett doesn’t partner with most electronic banks
Fundo
Like GigsCheck, Fundo offers cash advances to gig workers, rideshare and delivery drivers, freelancers, and self-employed individuals up to $10,000. The application process is straightforward, and funding will be released on the same day after approval. Fundo offers discounts for early repayments and repeat customers. However, similar to Giggle Finance, it doesn’t disclose its interest rates and fees on its website. For more information, please get in touch with them directly through their customer service.
- Same-day funding possible
- Cash advances up to $10,000
- Discounts for early repayment
- Factor rates as high as 3.5
- Mixed customer reviews
- Doesn’t disclose rates or fees on its website
Klover
Klover is providing cash advances up to $150 only, but you can earn up to $50 more by watching ads and participating in surveys – so you can get up to $250 in total. A cash advance is interest-free, and it is automatically repaid to Klover on your next payday. The Klover app is beneficial for those people who don’t have a fixed and regular payday or income. If you want a same-day deposit, the express fee applies. However, if you can wait two business days, the advance is free.
- No Fees or Interest
- No Credit Checks
- No membership required
- High instant deposit fees
- Limited Advance Amounts
- Data Monetization
Gerald
Gerald app offers small amounts, no fee, and instant cash advances with no credit checks and same-day deposits for limited users. To transfer advances, you have to spend a part of your advances within the app before transferring the free rest portion to your account. While applying won’t affect your credit and is suitable for accessing quick funds, it still has a limited amount; in-app spending rules and app glitches make it unworthy for some customers.
- No subscription fees or interest charges
- Receive your money as soon as the same day
- No credit check required
- Many customers complaints
- Mandatory in-app purchases
- Small cash advance amounts
