Chances are if you’re reading this you’re in the bracket of 54% of Americans living paycheck to paycheck.

You’re just trying to afford to survive the day. From the utility spike, a drastic increase in your grocery bills, and the constant bump in rent.

Let’s not forget to mention if you have children to care for. The increase in formula and daycare costs keeps rising.

Oh god forbid you to have a medical issue; because of the $300 a month in insurance you pay. This does not count toward your deductible, medications, or anything in between. You get hurt you better find the duct tape or just die on a sidewalk and hope you’re a John/Jane Doe so they can just burn you and throw you out. Have you priced a funeral lately?

Anyways, enough of the tangent about how we’re all going broke. Do you need an extra $20 to float you until your next paycheck or freelance job? Check out these companies below who can lend you a couple of extra bucks to float you until then. Note a couple of these have a monthly fee, instant fee, or might need a couple of extra steps for that bump in money.

Chime

Chime is the bank I currently bank with. I cannot say enough great things about Chime! There are no fees, yea no overdraft fees for using my OWN MONEY (🖕🏼 PNC)! They will mail checks for you because some utilities like mine still require checks in 2022. The best part is they have a program called SpotMe. SpotMe starts out a specific amount; this depends on how old your account is and your spending habits. Then you have the chance to give others $5 in SpotMe Boosts, and you may also receive $5 in Boots. I currently have a SpotMe Base of $60 and have $20 in Boosts. They do ask once you pay the money back to provide a tip if you can, but it is not required.

Click here to signup for Chime.

MoneyLion

MoneyLion is a digital bank; no fees, bill pay, check sending, in crypto, and offers Instant Cash. MoneyLion does not have overdraft fees or any other hidden fees, again 🖕🏼 PNC. MoneyLion does not charge for their Instant Cash program, and there is no monthly fee. You are given a base amount with your Instant Cash and can request up to $100 at a time. There is a $5.99 fee if you want the money right away, and this fee is for each request. The fee is paid back when you pay your money back on your selected date. Also, they do ask you to provide a tip to provide meals to children this can be from $1 to how much you’d like to provide.

To lay it out if you have a base of $350 you’d request $100, pay the $5.99 instant fee, plus the tip. On your desired payback day you’d pay $105.99 + tip.

There are multiple ways to increase your Instant Cash base. You can invite others to join MoneyLion, banking with MoneyLion, and having a direct deposit of $1,000+ a month.

Click here to signup for MoneyLion.

Cleo

Cleo Builder is a service that helps you see your budget and credit score. You can chat with the Cleo AI to learn where you’re spending your money, where not to spend your money, and how to save.

The best part about Cleo is the Salary Advance option. You can borrow up to $90 with Cleo. The amount Cleo Salary Advance offers is based off of your credit score and paycheck amount.

Also, there is a membership to using Cleo. You can signup for the basic plan for $5.99 or the Cleo Builder plan for $14.99 a month. Click here to sign up for Cleo.

Empower

Empower helps you track your spending and projects how much you’ll spend. Empower offers a Cash Advance option. The amount you can borrow is based on your income and your repayment history.

Note there is a $ 5.99-month membership with Empower. Click here to signup for Empower .

Dave

Dave is another digital bank. Dave offers budgeting, goal planning, no hidden fees, no overdrafts, bill pay, and will mail checks for you.

Dave‘s salary advance option works like MoneyLion; you are given a base amount you can borrow based on income, how many times you’ve borrowed, and repayment. Like all the others, there is an instant fee of $5.99, but Dave does not require a membership. Click here to signup for Dave.

Float Me

Float Me is just that they float you until your next payday. Float Me starts you with $20, and you can work your way up to borrowing more.

One major thing to note about Float Me is that you cannot have a negative balance with your bank to borrow money. So if you know you’re going to spend a bit extra, borrow from Float Me first because once you go negative you can’t borrow.

Also, Float Me has a $1.96 a month membership. Click here to signup for Float Me.

Line

Line provides you with a line of credit until your next payday. You can also enter to win money, sign up for credit monitoring, and signup for Line’s cashback program.

There is a $1.97 a month membership for Line. Click here to signup for Line.

Sezzle

This next one is not a float me situation; this service breaks up your bill into four payments over 6 weeks. If you shop at Target for your household items and groceries you should check out Sezzle, specifically the Sezzle Card.

You’ll sign up for a Sezzle account, request a digital Sezzle card, and add the card to your digital wallet. When you check out with your items at Target you will use your Sezzle digital card to pay. You will pay 1/4 of the bill, and it comes right out of your linked debit card.

This has saved me multiple times when I’ve only had $20, and I needed to buy groceries or make a large purchase I did not budget for. You can also use Sezzle at other stores, it works the same with the four payments over six weeks.

Living right now is expensive. I 100% understand what you’re going through; from working, a full-time job, part-time job, and multiple side-hustle it feels like every time you breathe $10 is spent. I hope that a couple of these services help you get to your next paycheck.

Drop a comment below on how you’re getting by.

Keep Reading