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.

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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.

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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.

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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.

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5. Branch (USA, Africa, India, Latin America)

• Type: Personal loans for salaried workers and entrepreneurs.
• Best For: People in emerging markets with smartphone access.
• Highlights:
  • Instant loan approvals.
  • No collateral.
  • App-based with mobile money integrations.

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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.

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7. Navi (India)

• Type: Personal loans with minimal paperwork.
• Best For: Salaried professionals in India.
• Highlights:
  • Instant disbursals.
  • Competitive interest rates.
  • App-based processing.

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8. Cashe (India)

• Type: Personal loans for salaried and self-employed individuals.
• Best For: Mid-income professionals.
• Highlights:
  • AI-based risk assessment.
  • Fast disbursement.
  • Loyalty and credit-building programs.

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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.

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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.

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📝 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