Credit Genie Frequently Asked Questions

A fintech platform providing $200–$5,000 cash advances via Earned Wage Access with 0% APR. Also includes budgeting tools, AskGenie AI, overdraft alerts, subscription management, and debt relief. Founded 2019, Wilmington, DE.

No. Cash Boost is Earned Wage Access — no debt created, 0% interest, no legal obligation to repay, not reported to credit bureaus.

$200 to $5,000 depending on income, bank history, and repayment record.

No hard credit check. Approval based on bank activity. Zero impact on your score.

Instant: ~30 min. Express: same day. Standard: 1–3 days (free).

Bank connection $4.99/mo. Standard free. Express $3.99–$5.99. Instant $9.99–$12.99. 0% APR. $0 late fees.

Autopay on your scheduled date. Change date free in-app.

Most US states. Not in CT, MD, NV, HI, or DC.

Yes. 256-bit encryption, Plaid-secured connections, DFPI registered, backed by Khosla Ventures.

Disconnect bank in app Settings, or submit request at support.creditgenie.com.

Yes. Consistent on-time repayments gradually increase your Cash Boost amount.

No. Not reported to credit bureaus.