Brigit
$500 max · $0-$14.99/mo
⭐ 4.2/5
Earnin
$750 max · Tips
⭐ 4.1/5
🏆 Quick Verdict
Choose Brigit if you want: Credit Builder, predictable pricing, free express delivery
Choose Earnin if you want: Higher limits ($750), tip-based pricing, employer-verified advances
Head-to-Head Comparison
| Feature | Brigit | Earnin | Winner |
|---|---|---|---|
| Max Advance | $500 | $750 | Earnin |
| Pricing Model | $0-$14.99/mo subscription | Tips (optional) | Tie* |
| Express Delivery | Free (paid plans) | Tips encouraged | Brigit |
| Credit Builder | Yes (Premium) | No | Brigit |
| Credit Check | None | None | Tie |
| Late Fees | $0 | $0 | Tie |
| Eligibility | Bank account + direct deposit | Employer/timesheet verification | Brigit (easier) |
| Overdraft Protection | Yes (alerts + advances) | Balance Shield | Tie |
*Pricing depends on usage. Brigit is predictable; Earnin depends on how much you tip.
Key Differences Explained
1. Advance Limits
Earnin wins with $750 vs Brigit's $500. However, most users start with lower limits ($100-$200) in both apps and increase over time.
2. Pricing Model
Brigit: Fixed subscription ($0-$14.99/mo). You know exactly what you'll pay.
Earnin: Tip-based. Technically free, but tips are strongly encouraged. Some users feel pressured.
3. Eligibility Requirements
Brigit: Bank account with 60+ days history and regular direct deposits.
Earnin: Requires employer verification OR timesheet tracking. Some employers aren't supported.
4. Credit Building
Brigit Premium includes Credit Builder. Earnin has no credit building feature.
Brigit Pros & Cons
✓ Pros
- Credit Builder available
- Predictable subscription pricing
- Free express delivery (paid plans)
- Easier eligibility (no employer verification)
- Identity theft protection
✗ Cons
- Lower max limit ($500 vs $750)
- Subscription required for best features
- Starting limits often low ($50-$100)
Earnin Pros & Cons
✓ Pros
- Higher max limit ($750)
- Technically free (tip-based)
- No subscription required
- Lightning Speed delivery
- Balance Shield feature
✗ Cons
- No credit building
- Requires employer/timesheet verification
- Social pressure to tip
- Not all employers supported
Who Should Choose Which?
Choose Brigit If...
- You want to build credit
- You prefer predictable pricing
- Your employer isn't on Earnin
- You want free express delivery
- You value identity protection
Choose Earnin If...
- You need higher limits ($750)
- You want to pay only when you use it (tips)
- Your employer is verified on Earnin
- You track hours via timesheet
- You don't need credit building
Final Verdict
Both apps are legitimate and useful. The best choice depends on your priorities:
- Need credit building? → Brigit (only option)
- Need highest limit? → Earnin ($750)
- Want predictable costs? → Brigit (subscription)
- Want to pay only when you use? → Earnin (tips)
Many users have both apps installed as backup options.