How Does Credit Genie Repayment Work?
When you receive a Cash Boost, repayment is scheduled automatically via autopay from your linked bank account. The repayment date is typically aligned with your next anticipated payday, based on the deposit pattern Credit Genie detected during your application. This alignment helps ensure funds are available in your account when the repayment processes.
Repayment Window: 9 to 120 Days
The repayment period ranges from 9 to 120 days depending on your advance amount, income cycle, and account history. Shorter advances (under $500) typically have 9-30 day repayment windows, while larger advances may extend to 60-120 days. The system automatically selects the most appropriate window based on your financial profile.
What Exactly Do You Repay?
You repay exactly what you borrowed — plus any delivery fee you selected. There is no interest, ever. A $500 Cash Boost with free Standard Delivery means you repay $500.00. With Express Delivery ($3.99), you repay $503.99. The 0% APR applies to every advance regardless of amount or term length.
Can You Reschedule Your Repayment?
Yes. You can reschedule your repayment date directly in the app at no cost. This is one of Credit Genie's most valued features — there are no late fees and no penalties for rescheduling. If your payday shifts or an unexpected expense comes up, simply open the app and select a new repayment date.
What Happens If You Don't Repay?
Because Cash Boost is classified as Earned Wage Access (not a loan), there is no legal obligation to repay and no debt collection process. However, failing to repay will significantly reduce or eliminate your future Cash Boost eligibility. The platform tracks repayment behavior as the primary factor in determining future advance amounts and approval odds.
Tips for Managing Repayments
- Keep autopay enabled — Manual repayment increases the risk of missing your date
- Borrow only what you need — A smaller advance is easier to repay on time
- Reschedule early — If you know funds will be tight, reschedule before the due date
- Monitor your balance — Use Money Manager to track spending after receiving a Cash Boost
- Build a pattern — Consistent on-time repayments unlock higher limits over time