True Finance: Cash Advance

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About this app

Instant Cash Advance Up to $150*, Budget and Earn Money


True Finance is your all-in-one app to budget smarter, earn more, and access instant cash advances up to $150. Track spending, earn extra income, boost your credit score, and get interest-free cash advances*. Over $50M in advances given and users have earned over $1,200/month in rewards.



CASH ADVANCES
Access up to $150 in interest-free cash advances with no credit checks. Funds can arrive in minutes for an optional instant fee*, or within three business days via standard processing. Approval is based on eligibility and requires a connected, qualifying bank account. Over $50M in cash advances have been provided.

INSTANT PROCESSING
Instant processing is available for a small fee ranging from $1.99–$5.99. Eligible users receive their cash advance within the hour instead of standard 1–2 business day ACH transfers. Availability depends on bank participation in FedNow; some smaller banks and credit unions may not qualify.


SMART BUDGETING TOOL
Get a clear, accurate view of your spending with one of the most reliable budgeting tools available.
Accurate Categorization: Transactions automatically assigned to 16 categories for a full picture of where your money goes.
Simple Dashboard: All spending organized in one place and updated instantly.
Flexible Tracking: View by category, time period, or custom tags (custom categories and alerts coming soon).



EARN TAB
Turn spare time into real cash. Play games, complete tasks, and take surveys to earn rewards. Top users have earned up to $1,200 per month.



CREDIT SCORE MONITORING
View and track your credit score, powered by VantageScore 3.0 and Equifax data through our partner Array. Receive alerts for changes such as new loan applications or credit pulls to help prevent identity theft early.




MARKETPLACE OFFERS
Explore personal loans, credit cards, and insurance from trusted partners — all in one app.



ABOUT TRUE FINANCE
Launched in 2023, True Finance helps members bridge the gap between paydays with tools to budget, earn, and access short-term cash when needed. The app provides credit score tracking, identity protection alerts, and a financial marketplace for exploring additional money solutions.



MEMBERSHIP DETAILS AND DISCLAIMERS
Membership is required to request cash advances and use the Budget tab. Approval is not guaranteed. Premium members may earn up to 10% more in the Earn tab. Membership costs $6.99/month and renews automatically until canceled in-app. Uninstalling does not cancel membership. Instant transfer fees ($1.99–$5.99) are not included. Cash advance amounts range from $10–$150, with an average of $45 as of Dec 2025.

True Finance is not affiliated with or endorsed by any other loan, money, or budgeting apps or services, including Vola, Empower, MoneyLion, Dave, Earnin, FloatMe, Cleo, Albert, Brigit, Chime, Klover, Current, SoFi, Varo, PayActiv, Branch, Cash App, CashApp, Credit Karma, Experian, Daily Pay, Credit One, or any grant cash advance or borrow money providers.

Search terms associated with financial tools may include: cash advance, borrow money, online loans, grant cash advance, budget apps, track spending, AI budgeting, smart budgeting, credit score monitoring, Experian credit tools, Credit Karma alternatives, Daily Pay, Earnin, Dave, FloatMe, Cleo, Brigit, Cash App, CashApp, Credit One, and other money-management resources.

Ratings and reviews

was able to get the advance but the repayment is crazy. I tried to repay early and there was an issue and now it says they will pick an optional time to try and to get the repayment again. like what?! I reach out to the chat and didn't get anywhere someone is supposed to reach out in 24 hours we will see. if you really really need cash maybe worth it but there are better cash advance apps out there editing to add its awful, they take FOREVER TO ANSWER and when they do they don't fix the issue

Edit: They initially refunded my money but then retracted the transaction. What a ripoff. Original review: You have to pay the subscription first to get a cash advance. Afterwards you need to link the account your paycheck gets deposited to. Then when connecting bank accounts after they get access to your transactions, it runs into a "problem" and the link fails leaving you unable to request an advance. Nice scam fellas, respect. Keep the $6.99 seems you need it more than me.

you can't even see if you qualify for an advance unless you pay minimum $6.99 and join subscription. misleading.i guess I was understood in the review. I've had advances and paid them off in the past and I had money I wouldn't need an advance. therefore it makes no sense that you require a payment for subscription before anything else. this makes me take my business to competitors who don't require fee upfront.