Need cash before payday? We put money in your pocket within minutes — with 0% APR, no credit check, and no hidden fees. Trusted by over 1 million Americans.
Access $200 to $5,000 in interest-free cash advances. No credit check, no late fees, funds in as fast as 30 minutes.
Learn moreTechnology-driven debt reduction connecting you directly with lenders. Evidence-based plans that reduce what you owe fairly.
Learn moreTrack spending, set budgets, get overdraft alerts, and manage subscriptions — powered by AskGenie AI insights.
Learn moreComplete the short application below — it takes less than 2 minutes. No hard credit check, no paperwork, and no obligation.
Founded in 2019 by Ed Harycki — former founder of Swift Capital (acquired by PayPal). We provide Earned Wage Access without interest charges or debt traps. Backed by Khosla Ventures and Fortress Investment Group.
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$200–$5,000 interest-free advances in minutes
AI-powered financial assistant for insights
Technology-driven plans to reduce debt
Cash Boost lets you access earned wages before payday. The system analyzes your bank history, income, and repayment behavior — without pulling your credit report.
Repayment is scheduled on your next payday via autopay. 0% interest always. No late fees. Change your date in-app without penalty.
Cash Boost is just the start. Credit Genie includes tools to help you spend less, save more, and stay ahead of bills.
Track spending across categories, set budgets, and receive alerts. Includes cash flow predictions for better planning.
Set balance thresholds and get notified before $35 overdraft fees hit your account. Works with Cash Boost for instant coverage.
Auto-detect recurring charges, see total monthly spend, get price-increase alerts, and cancel services you no longer use.
Ask "How much did I spend on food?" and get data-driven answers based on your real financial picture — not generic advice.
Holistic review and evidence-based debt reduction plan. Partnered with the National Foundation for Credit Counseling (NFCC).
Earn promotional Rewards credits by completing qualifying activities and redeem toward future services.
Two minutes from download to funding. No paperwork, no branch visits.
Free on App Store and Google Play.
Name, email, password. Verify by text or email.
Securely via Plaid with 256-bit encryption.
Choose delivery speed. Funds in as fast as 30 min.
No credit check or minimum score. Approval based on banking activity and stable income patterns.
Cash Boost and Earn Services unavailable in:
Other tools available in all 50 states.
No hidden charges beyond what is listed below.
| Fee Type | Amount | Required? | Details |
|---|---|---|---|
| Bank Connection | $4.99/mo | Required | Maintains 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 | 0% APR | — | Never charged |
| Late Fees | $0 | — | Reschedule free in-app |
Every financial product has strengths and trade-offs. Here is a transparent breakdown to help you decide if Credit Genie is the right cash advance app for your needs.
The 0% APR, no credit check, and lack of late fees make Credit Genie one of the most consumer-friendly cash advance apps on the market. The monthly bank connection fee is a trade-off, but when you factor in the free budgeting tools, overdraft alerts, and AskGenie AI assistant that come bundled in, the overall value outweighs the cost — especially compared to traditional payday loans or overdraft fees that average $35 per incident.
See how we stack up on features that matter most.
| Feature | Credit Genie | EarnIn | Dave | Brigit | MoneyLion |
|---|---|---|---|---|---|
| Max Advance | $5,000 | $300 | $500 | $250 | $500 |
| Interest | 0% | 0% | 0% | 0% | 0% |
| Credit Check | None | None | None | None | None |
| Fastest | ~30 min | Min | Min | Min | <10 min |
| Monthly Fee | $4.99 | Free | $1 | $9.99 | Free |
| AI Assistant | AskGenie | No | No | No | No |
| Debt Relief | Yes | No | No | No | No |
Bank-level 256-bit SSL encryption. Credentials never stored. Connections via Plaid. Data never sold or rented.
Creditly Corp.
3411 Silverside Rd, Ste 104
Wilmington, DE 19810
See exactly how much your Cash Boost will cost — with zero interest and no hidden fees. Adjust the amount and delivery speed below.
This calculator provides estimates only. Actual Cash Boost amounts are determined by your income, bank account history, and repayment behavior. Credit Genie does not charge interest (0% APR) on any Cash Boost.
I needed a cash advance before payday and Credit Genie approved me instantly with no credit check at all. The 0% interest is real — I borrowed $500 and only paid back exactly $500. No hidden fees, no surprises. The standard delivery was free and hit my account in 2 days. Way better than payday loans I used before.
I chose the instant delivery option and the money was in my debit card within 30 minutes — exactly as advertised. Credit Genie is legit and safe. The app uses Plaid for bank connection which made me feel secure. I've used it three times now and my Cash Boost limit keeps going up each time I repay on schedule.
I've tried EarnIn, Dave, and Brigit — Credit Genie beats them all. No interest, no credit check, and the fees are clearly shown upfront. The Money Manager feature helped me track where my money was going, and the overdraft alerts saved me from a $35 bank fee twice already. This app is a game changer for budgeting and emergency cash.
The application process was incredibly simple. I downloaded the app, linked my bank through Plaid, and got approved within 2 minutes. No paperwork, no waiting days for a decision. My first Cash Boost was $300 and with free standard delivery it cost me absolutely nothing extra. Repayment was automatic on my next payday. Highly recommend for anyone who needs fast cash before payday.
I was skeptical at first and searched "is Credit Genie legit" before signing up. Glad I did because the reviews convinced me. I started with Cash Boost for emergencies, then used their debt relief service to negotiate down my credit card balance. The technology-driven approach connected me directly with my lender and I saved over $2,000. The subscription manager also found $45/month in charges I forgot about.
Credit Genie is more than just a cash advance app. The AskGenie AI feature told me exactly where my money was going — turns out I was spending $380/month on subscriptions I didn't even use. The overdraft alerts have saved me at least $100 in bank fees over the past three months. The Cash Boost is great for emergencies, but the budgeting tools are what keep me coming back. Does not affect your credit score either.
Everything you need to know about cash advances, budgeting strategies, and making the most of your financial tools.
Trust & Safety
With over 1 million users and 180,000+ app reviews, is Credit Genie trustworthy? We examine the security features, 256-bit encryption, Plaid integration, regulatory registrations, and real customer complaints to give you a complete picture before you apply.
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How-To Guide
Want to cancel your Credit Genie subscription and stop the $4.99 monthly fee? This complete guide walks you through every cancellation method — in-app, through support, and how to disconnect your bank account via Plaid to stop all recurring charges immediately.
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Comparison
Looking for cash advance apps similar to Credit Genie but with higher limits or lower fees? We compare Credit Genie vs EarnIn, Dave, Brigit, MoneyLion, Cleo, and more — covering advance amounts, monthly costs, delivery speed, and which app is best for your situation.
Read Full ArticleJoin over 1 million Americans using Credit Genie for emergency cash, smarter budgeting, and a path out of debt.
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