True Finance: Cash Advance

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About this app

Budget, Earn Money and Instant Cash Advance Up to $100*

True Finance is your all-in-one app for budgeting, earning, and cash advances — helping you manage money in one place. 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.

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).

CASH ADVANCES
Access up to $100 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.

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.

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.

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.

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.
True Finance is not affiliated with other loan, money, or budgeting apps including Vola, Empower, MoneyLion, Dave, Cleo, Albert, Brigit, Chime, Klover, Current, SoFi, Varo, PayActiv, Branch, and others.
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 $4.99/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–$100, with an average of $40 as of Aug 2025.

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

I get approved for nearly every other cash advance app, especially ones that require a fee to start out with (this one being $6.99). All that set up and paid, just to instantly go to a "checking eligibility" screen for not even a few seconds and gets closed out, showing I wasn't eligible for anything ($0). Fortunately for me, it seems you're able to request a refund for that, which I sure am going to do. I'm giving 2-stars for that reason, otherwise would be one. App offers nothing more.

I'm updating the review from the prior 1 star where it kept having an error "App Verification Failed". It seems that it was just a technical issue that fixed itself in time. The app itself is fine. The advance option will typically be pretty low at first, but should increase with on time repayments. You can also earn money through games, surveys, and what not. Haven't tried that so I can't offer any information there. The app is fine. As long as the issue doesn't happen again, I would recommend.

I paid the $4.99 fee which is required monthly in order to be able to access cash advances. I then linked my bank account but then when I selected advances it said I needed to link my bank account. so I did it two more times and the same thing happened each time. and as far as customer service goes it is a joke. they only have AI customer service. you can't even talk to a live person on chat or through an email. I am uninstalling this app after I get my refund for the for $4.99 fee.