True Finance: Cash Advance

• Free

Last verified 30 Aug 2026

4.8 70004 ratings · App Store

1. 5/5You have to pay to get an advance.

   This is yet another app that makes you pay for a premium subscription in order to get in advance. If I’m trying to get a cash advance, do you think I have any money for a subscription right now? There are better apps to use, but I’m kind of in a tight spot right now. I took out an advance last night with a different app, it already tried to do the repayment, but I don’t get paid until tomorrow so now I’m screwed. I can’t find another app that will work for me and I just need to get through today. *update* Seems like I got kind of a rude response to my review but I changed my rating to 3 stars because whoever responded to my review probably doesn’t have the easiest job, I respect it.

   LloydBanksNYC · 30 Aug 2026

2. 3/5IMO…Not Worth It

   Although I’ve never had any technical difficulties with this app and the app does offer different features, to me it’s not worth it, ESPECIALLY the cash advance feature. Throughout the years I’ve used several cash advance apps and it’s the apps like this one that I will never understand. I can understand starting someone with a low amount because you want to see how they do paying the advance back…but after that person has continuously paid back several advances on time, their direct deposits are always the same amount, spending history stays consistent (basically all of the requirements are met that the app states they go by when it comes to cash advances) and instead of rewarding that person with a little increase in their offer, it actually decreases instead?! I read another review and completely agree with the person…you pay a $4.99 per month subscription fee to get a $10 or $20 advance?? And yes I know there’s other ways on the app to earn more like games and other offers but what grown adult has time to sit around and do those things to make literally nothing? This app might be ok for a working teenager or very young adult but not worth an adults time. MANY better cash advance apps out there with a MUCH higher limit that won’t decrease your offers after you pay them over and over again on time. Will be canceling my subscription and uninstalling.

   Grid App Review · 30 Aug 2026

3. 3/5Not worth it

   Just like all the other reviews say, you do have to pay $6.99 JUST TO SEE IT YOU QUALIFY for an advance. Yes they stare that with paying the $6.99 for premium unlocks other stuff like more ways to earn, identity protection bla bla bla. But i am definitely sure that i speak for a lot of us when i say that we do NOT care about all that extra stuff when we are clearly using the app ONLY for the advance feature. As a company, if you want to generate great feedback and credibility, then maybe idk only charge the $6.99 AFTER the consumer accepts their first advance. Stop trying to charge us just to see if we even qualify man. I dont care about offering refunds if we aren’t eligible for an advance, simply just stop charging the fee before we find out if we qualify and i guarantee all of us would be happy. Please dont reply back with the other benefits about premium, i have already read other reviews and your support team’s response and i simply do not care. Plus you have a history of not responding fast enough to user issue/complaints so offering a refund is way more difficult than just avoiding the charge whatsoever UNTIL AFTER we accept our first advance. You seriously should consider my review if you want better 4-5 star reviews, thats the truth.

   Sjjj1152 · 30 Aug 2026

4. 1/5Modern Bait and Switch

   People PLEASE READ!!! This is a bait and switch business model. They purposely design their app to look like you qualify for cash advance with the disclosure that you may not be approved for a cash advance (they do this to create a sense of transparency). But when you apply for it you have to sign up for their premium subscription which is 7.00$ just to unlock THE POTENTIAL CHANCE that you’ll qualify for it… you’re not paying 7$ to secure your approval, that’s right you’re just paying 7$ to see if you qualify. Then when you pay and connect your bank you will not qualify but they keep your 7$ even when you cancel the subscription on the same day. I have great credit but found myself in hardship, there’s no reason I shouldn’t qualify. I tried having my partner sign up too, and she didn’t get approved either despite her fair credit. Luckily we have great banks and will be doing a chargeback, you should do the same. Do not let these modern fraudsters take your money. Even if it’s just 7$ they’re most likely doing this to thousands of people every day, they’re getting rich little by little off not approving a lot of people.

   RxffRxff111 · 30 Aug 2026

5. 1/5Predatory

   I had paused my subscription. This has been such a great help to me since I did not get paid a month worth of work and I have a case with the labor commission. This has been something that’s been helping me get through. I paused my subscription and told it wouldn’t be a big deal and wanted to come back today to borrow a few bucks to get me through until I get paid in a couple of days they made me reactivate my account and pay subscription fees, which is fine but I did it three times this morning and nothing has cleared so they’ve shaken me down for a subscription fees three times this morning after I contacted them and showed them screenshots. They really weren’t much interested in fixing the problem. They told me to reactivate my subscription for which I did. They kept telling me to do it and I’ve done it three times now paying $15 and instead of $4.99 and nothing has changed in the app and they don’t seem to be too interested in fixing it. Terrible service predatory and awful

   SageFairy · 30 Aug 2026

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