Credit Genie Fee Structure
Credit Genie is transparent about its pricing. Here is every fee associated with the platform — there are no hidden charges beyond what is listed below.
Complete transparency on every fee. No hidden charges, no interest, no late penalties.
Credit Genie is transparent about its pricing. Here is every fee associated with the platform — there are no hidden charges beyond what is listed below.
| Fee | Amount | Required? | Details |
|---|---|---|---|
| Bank Connection | $4.99/mo | Required | Maintains linked bank connection |
| Paid Membership | $9.99/mo | Optional | Only for Instant Delivery |
| Standard Delivery | $0 | Free | 1–3 business days ACH |
| Express Delivery | $3.99–$5.99 | Optional | Same-day before 3 PM ET |
| Instant Delivery | $9.99–$12.99 | Optional | ~30 min to debit card |
| Interest (APR) | 0% | — | Never charged |
| Late Fees | $0 | — | Reschedule free in-app |
With free Standard Delivery, a $500 Cash Boost costs you $0 beyond the monthly bank connection fee. You receive $500 and repay exactly $500. With Express Delivery at $3.99, your total repayment would be $503.99. The bank connection fee of $4.99 per month is the only unavoidable recurring cost.
Credit Genie may prompt you to leave a tip after receiving a Cash Boost. Tips are entirely optional, capped at $150 per calendar year, and do not affect your advance eligibility or service quality in any way.
Choose Standard Delivery (free) whenever possible. Skip the Paid Membership unless you specifically need Instant Delivery. Never feel obligated to tip. At minimum cost, Credit Genie charges only $4.99/month — significantly less than the average payday loan fee or a single $35 bank overdraft charge.
Join over 1 million Americans. Apply in 2 minutes — no credit check, no interest.
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