True Finance: The Money App

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About this app

Could you use a few bucks in between paydays? ‍True Finance is here to help. Get cash advances directly to your bank account, up to $100. ‍No credit checks. No interest. No problem.

Need to get gas, pay a bill or buy groceries. All you have to do is download the app today and connect your bank account to get started. Once you’re a member, request an advance and receive funds in your bank account in 3 days or less.

MARKETPLACE
Looking for a personal loan, auto insurance or a side gig? Explore our list of offers through third-party partners in the app.

CREDIT SCORE
True Finance partnered with Array to provide our users with a view of their credit score and report in the app. Worried about identity fraud? Get alerts when there is activity on your credit report.

SECURELY CONNECT
True Finance uses Plaid to securely connect your bank accounts with 256-bit bank-level security to keep your information and money safe. Plaid seamlessly works with over 10,000 banking institutions across the US.

ABOUT US
True launched in 2023 with a mission to help millions of Americans who need a few dollars in between paydays. We also help members view and understand their credit score.

Disclaimer:

APR (Annual Percentage Rate) is the cost you pay each year to borrow money, including fees, expressed as a percentage. The APR for short-term, small-dollar financial products vary. True Finance is not a lender and is not involved in lender’s individual credit decisions or underwriting process, thus we can’t state any specific APR that may be offered to you. Some lenders in our network offer rates between 5.99% and 35.99%, for borrowers with a good credit score. The credit decisions and individual loan terms depend solely on the lender, based on your credit score, income, credit history, and other factors. The lender is legally required to inform you of the APR and other loan terms before you agree to accept a loan. Some states have strict laws limiting the APR rates and fees that a lender can charge you.
Representative Example:
If you borrowed $10,000, with an interest rate of 11.41% over a 36 month period, and the loan had a 5% origination fee, your monthly payments would be $347.00. The total cost of the loan would be $12,480, with APR of 15.00%.
Loan Terms 3 to 84 months

Ratings and reviews

Wasn't approved for an advance with this app, however you have to pay the $3.99 for the premium membership before you know if you're approved or not. After I saw I wasn't approved I contacted support for a refund the refund was processed on August 23rd and I unlinked my bank account. Today on August 25th True charged me again even thou I'm not subscribed to premium. I definitely wouldn't recommend!

Buyer Beware. The advertisement makes it appear one will qualify for some type of cash advance. It charges you 3.99 BEFORE they determine if you qualify for an advance Bait and Switch. This is considered FRAUD in Washington state

Doss not accept sofi but will not tell you this until after you pay the membership fee and try to add your bank. It lists banks that are not accepted before you pay the fee & sofi is not listed there. But when you go through plaid after paying, that's when you're told sofi isn't accepted. EDIT: They responded saying they do say Sofi is not accepted, they absolutely do not. They list several banks, none of which are Sofi.