FloatMe: Fast Cash Advance App

FloatMe

About this app

Meet FloatMe, your Best Financial Friend — here to help you get, manage, and save money. Connect your bank account and request a Float, an Earned Wage Access cash advance sent straight to your account. No credit checks. No interest. No tips, ever. Repay when you get paid or can afford it.

FLOATS / CASH ADVANCES*

Pay bills, get gas, or grab groceries with cash advances. FloatMe helps you unlock your earned but unpaid wages fast with Floats. Request a Float and we'll deliver it to your bank in three business days or less. Need it now? We'll expedite your Instant Float within seconds for a small fee.

First time approval amounts range from $10 - $50. Eligible users may qualify for larger Floats over time, up to $200. Not all users will qualify and many will not qualify for the maximum amount right away.

SUBSCRIPTION MANAGER

Still paying for that free trial you started in March? We'll find it. FloatMe spots the recurring charges hitting your linked account and puts them all in one place — what you're paying, how often, and what's coming up next. Keep the ones you love, cut the ones you forgot about. Included with membership.

CREDIT MONITORING

Know your number. Check your Equifax credit score in the app, watch how it moves over time, and get a heads-up when something changes. Checking here won't ding your score. Included with membership.

MARKETPLACE OFFERS

Find easy ways to earn a little extra, like taking an online survey or testing a video game. We hunt down deals and offers for our budget-minded members.

LOW BALANCE ALERTS

Always know where your balance stands. If you opt-in, we'll give you a nudge when funds are running low, so you can dodge those pesky overdraft fees.

MEMBERSHIP

Membership costs $6.99/month and provides access to FloatMe's suite of financial products and services, including Floats, Subscription Manager, Credit Monitoring, Marketplace Offers, and Low Balance Alerts. Membership will auto-renew until canceled. You can cancel anytime in-app or by contacting [e-mail]. Uninstalling does not result in cancellation.

* FLOATS / CASH ADVANCES DISCLOSURE:

A Float is an Earned Wage Access product, not a payday or personal loan. It is not a loan and does not create a contracted debt obligation.

• Minimum and Maximum Period for Repayment: Floats carry NO mandatory minimum or maximum repayment period. Repayment is not required within 60 days. Repay on the date you select or your next projected direct deposit.

• Maximum Annual Percentage Rate (APR): 0.00%. Floats have 0% max interest and zero mandatory finance charges.

• Delivery Options & Fees: Standard Delivery via ACH is free (typically delivered in three business days). Optional Instant Float transfers carry a fee from $1 - $10 depending on the amount requested. Instant Float fees are optional and not included in monthly membership costs. Delivery times may vary between banks.

Eligibility criteria apply. A FloatMe account is required to request a Float; approval is not guaranteed. You may request a Float without paying a membership fee (see Terms). Availability varies by state. Avg Float is $58 (as of 10/26/26).

Example 1 (Standard ACH): A $50 Float sent via standard ACH and repaid on the date you choose (e.g., 65 days later) carries 0% interest and $0 in transfer fees. Total repayment $50 (0% APR).

Example 2 (Optional Instant Delivery): A $50 Float sent via optional Instant Float for a $5 transfer fee and repaid on the date you choose (e.g., 65 days later) carries 0% interest. Total repayment: $55.

Floats are not available in CT, DC, and NV.

FloatMe is not affiliated with Credit Karma, Grant Cash Advance, Brigit, Credit One, Credit Strong, Albert, Earnin, Dave Bank, Chime, Cleo, Klover, MoneyLion, Tilt, Cash Now App, Venmo, Self, Rocket Money, or Possible Finance

Privacy Policy: https://www.floatme.com/privacy-policy
Terms & Conditions: https://www.floatme.com/terms

FloatMe, Corp
110 E Houston St. 7th Floor
San Antonio, TX 78205

Ratings and reviews

I signed up and was charged the membership fee. I tried to make my first withdrawal of $20, which is the max you are allowed starting out. I kept getting denied, and customer support said it's because of data points and stuff that the system determines your eligibility. Still can not withdraw any amount, but they didn't have any issue withdrawaling my membership fee so I'm paying for a service I can't use.

Rip off. I have been trying to get an advance from this app for over a year. Even with an active bank account that I recieve direct deposits into every 2 weeks I am never "eligible" for a cash advance, but they sure as hell make sure that they get their $6.99 subscription fee every month. I would like my monthly fee refunded but there is no customer support to speak to. I would not recommend this app to anyone.

They will charge you for the "free trial" regardless of when you cancel the subscription. I contacted support because I see two charge attempts from this app. They claim I owe them from the previous month... during the free trial. Nowhere on the site does it state you will still be charged for that period. The app also falsely advertises you can cancel whenever but no mention of the fee you're expected to pay. OVER THEM! I had to replace my debt card to stop the attempts.

What’s new

Journey to higher float amounts, easy-to-use budgeting tools and more!