Best Birch Lending Apps

184+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated June 2026

Out of 184+ birch lending apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Top Picks for Birch Lending

Credit Genie: Get Cash Advance#1

Credit Genie: Get Cash Advance by Creditly Corp.

Fast money between paydays
Editor's Choice
πŸ’° Finance
4.8😞(112K ratings)
FreeAds
#59in Finance
Credit Genie: Get Cash Advance screenshot 1
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Credit Genie: Get Cash Advance screenshot 3
Credit Genie: Get Cash Advance screenshot 4
Credit Genie: Get Cash Advance screenshot 5
Credit Genie: Get Cash Advance screenshot 6

Access quick cash advances up to $150 without interest, credit checks, or late fees. Track spending, manage budgets, and receive overdraft alerts. The app also helps identify and cancel recurring subscriptions and offers access to credit and debt management tools.

What We Love

  • πŸš€ Quick cash advances
  • πŸ‘ User-friendly app
  • πŸ’‘ Unique financial tools

Room to Improve

  • πŸ› App freezing/crashing issues
  • ⏱️ Slow response from customer support
  • πŸ”’ Security and privacy concerns
OneMain#2

OneMain by One Main Financial

Personal & Auto Loans
Strong Contender
πŸ’° Finance
4.8😐(80K ratings)
Free
OneMain screenshot 1
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Manage your personal or auto loan on the go. Make payments, set up automatic payments, and receive paperless statements and alerts. You can also monitor your credit score and track your spending to potentially save money.

What We Love

  • πŸ‘ User-friendly app
  • πŸš€ Convenient payment processing
  • πŸ’‘ Helpful customer service
  • 🀝 Great company overall

Room to Improve

  • πŸ› Buggy app updates
  • πŸ”’ Security issues with password entry
  • πŸ’° Predatory lending practices
Bright: Loans & Credit Builder#3

Bright: Loans & Credit Builder by Bright Capital Inc

AI Loan Asst > Credit & Loans
Worth Considering
πŸ’° Finance
4.8😐(248K ratings)
FreeAds
#54in Finance
Bright: Loans & Credit Builder screenshot 1
Bright: Loans & Credit Builder screenshot 2
Bright: Loans & Credit Builder screenshot 3
Bright: Loans & Credit Builder screenshot 4
Bright: Loans & Credit Builder screenshot 5
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Access cash advances up to $750 with no credit check and no interest. Explore loan offers up to $10,000 with no score impact. Rebuild your credit history through on-time payments and rent reporting, and receive AI-driven budgeting and debt-payoff plans.

What We Love

  • πŸš€ Helpful in paying off debt
  • πŸ‘ Automated payment management
  • πŸš€ Efficient credit building
  • πŸ’‘ Useful budgeting and savings features

Room to Improve

  • πŸ› Connectivity issues with bank accounts
  • πŸ”’ Concerns about unauthorized withdrawals
  • πŸ‘Ž Confusing or misleading pricing

More Birch Lending apps to explore

4
Grant Cash Advance
Grant Cash Advance
Grant Cash Advance
Get Cash Fast, No Credit Check
Free

Access quick cash advances between $25 and $500 without a credit check. Cover essential bills or unexpected expenses with same-day delivery options. Repay automatically with your next paycheck.

Cash advances from $25 to $500No credit check requiredOptional same-day delivery
πŸ’° Finance
(174K)
free with in-app purchases
5
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
Borrow Money Between Paychecks
Free

Access quick cash advances to cover bills and expenses between paychecks. This app offers money management tools, low balance alerts, and a marketplace for earning opportunities. Securely connect your bank account for seamless transactions.

Cash advances up to $50No credit checks or interestCash flow calendar
πŸ’° Finance
(146K)
subscription
6
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
Instant Loan App For Fast Cash
Free

This app provides instant cash loans and flexible repayment plans for individuals and businesses. It also offers savings features with high interest rates and a secure ATM card for seamless transactions. Enjoy transparent financial services with no hidden charges.

Instant cash loans up to NGN 3,000,000Flexible repayment plans (30-180 days)Savings with up to 30% interest
πŸ’° Finance
(14K)
free
7
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Cash Advance, Credit Cards
Free

Access cash and credit through advances, lines of credit, and credit cards. The app evaluates real-time income and spending to determine eligibility, offering options without traditional credit checks. It also provides credit score monitoring and automated savings features.

Cash advances up to $400Lines of credit up to $1,000Credit cards with cash back rewards
πŸ’° Finance
(447K)
subscription
8
Payday Loans USA
Payday Loans USA
Payday Loans USA
by Rainbow UK Ltd
Free

Easily calculate payday loan repayments and apply for short-term loans up to $1,500 in the USA. Get access to top lenders, even with bad credit, and receive funds within hours. Secure your data with password protection for faster future applications.

Payday loan calculatorApply for loans up to $1,500Access to top US lenders
πŸ’° Finance
(3.8K)
free
9
Cash Advance Loan Guide
Cash Advance Loan Guide
Cash Advance Loan Guide
Loan Simple Guide & Calculator
Free

Learn about various cash advance options, including credit card advances, merchant advances, and payday loans. Understand their pros, cons, and potential impact on your credit score. Includes a calculator to estimate returns.

Learn about cash advancesCredit card cash advancesMerchant cash advances
πŸ’° Finance
(20)
free
10
Speedy Payday Loans
Speedy Payday Loans
Speedy Payday Loans
by Rainbow UK Ltd
Free

Easily find short-term loans up to Β£1000 with funds deposited within hours. This app connects you to multiple lenders simultaneously, simplifying the application process and offering quick access to cash, even with a bad credit rating.

Borrow up to Β£1000Funds deposited within hoursConnects to over 70 lenders
πŸ’° Finance
(1.4K)
free
11
Together Loans
Together Loans
Together Loans
by Transform Credit Inc.
Free

This app offers a new approach to lending, providing loans based on trust rather than solely on credit history. It allows users to view their loan details, access statements, make secure payments, and apply to borrow more.

View loan detailsAccess statementsSecure payments
πŸ’° Finance
(112)
free
12
Big Picture Loans
Big Picture Loans
Big Picture Loans
Fast. Easy. Confidential.
Free

Manage your installment loans online, from checking balances and due dates to making payments and applying for new ones. This service provides quick, confidential online loans for individuals with fair or bad credit.

Manage existing loansCheck balances and due datesMake payments
πŸ’° Finance
(289)
free
13
Sail Loans
Sail Loans
Sail Loans
by Americash Loans LLC
Free

Apply for loans up to $4,000 with funds deposited directly into your bank account. Manage your repayment options, make payments, and access referral codes to earn extra cash. Offers installment, full, or early/partial payment options.

Loan application up to $4,000Same-day fund depositCustomer profile editing
πŸ’° Finance
(3)
free
14
EarnIn: Beyond Cash Advance
EarnIn: Beyond Cash Advance
EarnIn: Beyond Cash Advance
Get Paid Fast, Early Payday
Free

Access funds you've already earned before payday with this app. It offers same-day pay, overdraft protection, credit monitoring, and savings tools. Get up to $150 daily with optional expedited transfers for a small fee.

Access up to $150 per dayGet paycheck up to 2 days earlyOverdraft alerts and custom transfers
πŸ’° Finance
(435K)
free with in-app purchases
15
LendingTree Spring
LendingTree Spring
LendingTree Spring
Loans, credit score and more
Free

Manage your finances with free credit score updates, personalized saving insights, and easy comparison of loans and credit cards. Stay protected with credit monitoring alerts and expert advice to improve your financial health.

Free credit score updates and alertsPersonalized saving insightsLoan and credit card shopping
πŸ’° Finance
(38K)
free with in-app purchases
16
Rain Instant Pay
Rain Instant Pay
Rain Instant Pay
Unlock your employer benefits!
Free

Access your earned wages and employer benefits instantly, anytime. Track your earnings, gain financial insights, and utilize a full suite of financial tools. Manage your money on your terms with secure, on-demand access.

Instant access to earned wagesTrack earnings in real-timeFinancial coaching and education
πŸ’Ό Business
(40K)
free
17
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Bank, Budget & Build Credit
Free

This app offers instant cash advances up to $1,000 without interest or credit checks. It also automatically builds your credit with every purchase and provides AI-powered financial tools to optimize your money.

Instant cash advances up to $1,000Automatic credit building on every purchaseAI agents for job finding, deals, price comparison, and budgeting
πŸ’° Finance
(30K)
free with in-app purchases
18
Vola: Cash Advance & Credit
Vola: Cash Advance & Credit
Vola: Cash Advance & Credit
Improve Credit health & Save
Free

Access instant cash advances up to $500 with no interest or credit checks. Build your credit score by reporting rent payments and track your financial health with budgeting tools. Take control of your finances with this all-in-one financial management app.

Instant cash advances up to $500No interest, no credit checkBuild credit by reporting rent
πŸ’° Finance
(34K)
free
19
Cash Advance - Payday Brin
Cash Advance - Payday Brin
Cash Advance - Payday Brin
No Credit Check, Cash Today
Free

Quickly explore cash advance and personal loan options up to $900 with transparent terms and fast comparison. Understand eligibility, costs, and repayment details before committing.

Explore cash advances up to $900Compare loan amounts and ratesReview repayment terms
πŸ’° Finance
(3K)
free
20
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Up to $400 Before Payday
Free

Access cash advances up to $750 before your next payday without credit checks, late fees, or interest. Earn points for surveys and ads to increase your advance amount. Utilize budgeting tools and track your credit score.

Cash advances up to $750No credit checks, late fees, or interestEarn points for surveys and ads
πŸ’° Finance
(353K)
free with in-app purchases