1. Salary Finance (UK, US)
- Type: Employer-integrated salary advance and personal loans.
- Best For: Employees needing emergency funds or debt consolidation.
- Highlights:
- Repayments deducted directly from salary.
- No impact on credit score for eligibility checks.
- Financial wellness tools included.
2. EarnIn (USA)
- Type: Paycheck advance (up to $750).
- Best For: Gig workers and freelancers with bank direct deposit.
- Highlights:
- No interest or fees — based on “tips.”
- Lightning-fast access to earnings.
- Budgeting and savings tools included.
3. Karna (Sweden / Global)
- Type: “Buy Now Pay Later” and salary-based payment plans.
- Best For: Employed individuals needing short-term flexibility.
- Highlights:
- Accepted by thousands of merchants.
- Split salary-friendly payment options.
- Growing presence in Europe and the US.
4. PayActiv (USA)
- Type: Earned wage access & financial wellness platform.
- Best For: Employees working with partnered employers.
- Highlights:
- On-demand pay before payday.
- Low or no-cost access.
- Includes bill payment, budgeting, and savings options.
5. Branch (USA, Africa, India, Latin America)
- Type: Personal loans for salaried workers and entrepreneurs.
- Best For: People in emerging markets with smartphone Services access.
- Highlights:
- Instant loan approvals Services.
- No collateral.
- App-based with mobile money integrations.
6. Klover (USA)
- Type: Zero-interest cash advances based on job and spending history.
- Best For: Employees with predictable income.
- Highlights:
- No credit check.
- Paid through advertising and optional services.
- Includes credit score monitoring and budgeting.
7. Navi (India)
- Type: Personal loans with minimal paperwork.
- Best For: Salaried professionals Services in India.
- Highlights:
- Instant disbursals.
- Competitive interest rates.
- App-based processing.
8. Cashe (India)
- Type: Personal loans for salaried and self-employed individuals.
- Best For: Mid-income professionals Services.
- Highlights:
- AI-based risk assessment.
- Fast disbursement.
- Loyalty and credit-building programs.
9. Tala (Kenya, Mexico, Philippines, India)
- Type: Microloans for workers and small entrepreneurs.
- Best For: Low-income earners in developing countries.
- Highlights:
- No formal employment proof needed.
- Credit scoring based on phone data.
- Transparent terms and fast access.
10. Dave (USA)
- Type: Small cash advances for people with regular income.
- Best For: Avoiding overdraft fees.
- Highlights:
- No interest loans up to $500.
- Banking tools and side job finder included.
- Credit-building features.
📝 Summary Table
| Service | Location | Key Feature | Ideal For |
|---|---|---|---|
| Salary Finance | UK/US | Employer-linked loans | Salaried employees |
| EarnIn | USA | Tip-based paycheck advance | Gig and hourly workers |
| Klarna | Global | Buy Now, Pay Later | Shoppers with steady income |
| PayActiv | USA | On-demand pay | Partnered company employees |
| Branch | Global | App-based microloans | Workers in emerging markets |
| Klover | USA | Interest-free advances | Salaried employees |
| Navi | India | Fast personal loans | Indian professionals |
| Cashe | India | Credit-based app loans | Salaried/self-employed |
| Tala | Global South | Smartphone-based credit scoring | Low-income or informal workers |
| Dave | USA | Cash advance + banking tools | Early paycheck access |