Best apps like Paytime: Earned Wage Access

11+ similar apps compared and reviewed

3.8 avg rating
10 free apps
Updated July 2026

Whether you want more options like Paytime or a completely different take on the same concept, our curated list of 11+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.

Top Alternatives to Paytime

Wagetap: Instant Cash Advance#1

Wagetap: Instant Cash Advance by Digital Services Australia V Pty Ltd

Get up to $2000 of my pay now
Editor's Choice
💰 Finance
4.9😊(16K ratings)
Free
Wagetap: Instant Cash Advance screenshot 1
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Wagetap: Instant Cash Advance screenshot 3
Wagetap: Instant Cash Advance screenshot 4
Wagetap: Instant Cash Advance screenshot 5
Wagetap: Instant Cash Advance screenshot 6

Access your earned wages instantly to cover unexpected expenses or split bills into manageable payments. This app provides fast cash advances and flexible repayment options to help you manage your finances.

What We Love

  • 🚀 Instant cash transfers
  • 👍 Easy to use
  • 💰 Helpful in emergencies
  • 🤝 Flexible repayment options

Room to Improve

  • 🐛 Connectivity issues
  • ❌ Inconsistent eligibility
  • 🕰️ Slow customer support response
IOUcash#2

IOUcash by IOU MONEY PTY LTD

Help a mate - ID-verified IOUs
Strong Contender
💰 Finance
1.5(6 ratings)
Free
IOUcash screenshot 1
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This app facilitates peer-to-peer lending between friends for amounts between $200 and $2,000. It offers a quick way to access cash for emergencies or bills with automated payments and no interest charges.

More apps like Paytime

4
Smart Money
Smart Money
Smart Money
by Loans.com.au
Free

Manage your finances on the go. View balances, transfer funds, pay bills, and track transactions. Securely access your accounts, manage debit cards, and handle loan repayments with ease. Download transaction history and communicate directly with support.

View account balancesTransfer moneyPay bills
💰 Finance
(1)
free
5
Click Loans
Click Loans
Click Loans
by Macquarie Bank Limited
Free

Manage your accounts and finances on the go with real-time balance and transaction updates. Securely access your accounts with advanced login options and receive instant notifications for all activity. Easily make payments, find ATMs, and manage your cards for complete financial control.

Real-time account balancesTransaction historySecure login options (4-digit, TouchID)
💰 Finance
(0)
free
6
Firstmac Money
Firstmac Money
Firstmac Money
by Firstmac Ltd
Free

Manage your finances on the go. View account balances, transfer funds, pay bills, and track transaction history. Securely access your accounts with an Access Code and high-grade encryption.

View account balancesTransfer moneyPay bills
💰 Finance
(0)
free
7
1Bill: Bill Manager
1Bill: Bill Manager
1Bill: Bill Manager
Reminders, Pay (Installments)
Free

Manage all your bills in one place with automatic reminders and payment options. The app also compares your utility bills to find better deals and rewards you with points for managing your finances.

Organize bills in one placeAutomatic bill remindersIn-app bill payments
💰 Finance
(2)
free
8
Cash Lender - IOU & Loans
Cash Lender - IOU & Loans
Cash Lender - IOU & Loans
IOU & Loans/Payments Manager
Free

Easily track money lent and borrowed, ensuring you never forget debts. Manage multiple contacts, loans with interest, and partial payments. Secure your data with passcode and Touch ID, and receive timely reminders.

Cloud and local data syncManage multiple contactsLending and borrowing tracking
💰 Finance
(131)
subscription
9
Latitude App
Latitude App
Latitude App
Simple, safe, secure
Free

Manage all your credit card accounts and finances in one secure mobile application. Access balances, view transactions, lock your card, and track spending. Offers promotions, rewards, and in-app messaging for a comprehensive financial overview.

Access accounts with Touch ID/Face IDAdd card to Apple WalletTemporarily lock your card
💰 Finance
(163)
free
10
UnLock
UnLock
UnLock
Buy Now Pay Later for business
Free
💰 Finance
(0)