Credit genie is a fantastic app, especially for people who are new to building credit or who are trying to repair their credit history. When I first signed up, I was offered a small $50 loan, and while that might sound minor, it was a huge help for me in a tight spot. The application process was simple, and I really appreciate how the app gives opportunities to those who might not have access to traditional credit products.One feature I would love to see added is the ability to pay off your loan before the due date directly through the app. Currently, you have to wait for them to automatically withdraw the payment, and if the withdrawal fails for any reason (like insufficient funds or a timing issue), there isn’t an option to manually push the payment yourself. On a couple of occasions, this led to missed payments that could have been easily avoided if I could have simply triggered the payment manually.Despite this small inconvenience, I think Credit Genie is a great service. It’s user-friendly, transparent, and genuinely helps those looking to establish or rebuild their credit. With just a couple of tweaks, such as adding manual payment options, the experience would be even better. Overall, highly recommended if you’re looking for a trustworthy tool to help get your credit on track!

The numerous people on here saying that they are getting charged the 4.99 fee each month, yet don’t use the services and/or cancelled/closed your credit genie account need to call their bank and put a stop to them taking your money - so glad I read the reviews before signing up. Also, the one person who said they used to be able to borrow more, but can now only borrow $10 or something & now they can’t pay their utility bill - you shouldn’t rely on this to pay your utility bills every month - it seems you’re stuck in the cycle where you have to keep borrowing - try to get out of that cycle - go to work a few days a week extra through a temp service or something to get caught up & get yourself out of this endless cycle, because it will never get better like this

So, I stumbled upon credit genie after a google search. I decided to give them a try and qualified instantly for an advance. The process of qualifying and getting the deposit was fairly easy. Fee was low. My problem occurred when my debit card was compromised and was cancelled ( the one used) to have the 4.99 fee taken out. I immediately contacted Credit Genie to let them know and they reassured me that it would be debited from my checking account which it was. Payment not late and completed without any issues. However, since reaching out and letting them know about the compromised card I have not been able to update the new card. I have made several attempts to reach out to credit genie and have not been given any direct answers other than them telling me I cancelled the account with them. I have not cancelled anything. I requested proof they failed to provide proof and now tell me they can not reinstate the account for 60 days. Well it’s unfortunate for them there are a multitude of similar companies out there empower, money lion, Vola, brigit, Cleo etc. I will not chase down any given company. It’s apparent they don’t want my business. Be careful and be aware of a company who lacks transparency and does not strive for superb customer service. You have been warned!

This app is horrible. I downloaded this app April because I was short on money. I thought it was a good app until I got my second advance. I have had some unexpected bills come up and I can’t afford to repay the company back. Their policy is that the date of repayment falls on the date that you get your paycheck. I have reached out to them multiple times about this issue and they keep saying the automated message that your payment is going to be repaid on Friday and don’t worry we will not overdraft your bank account. That they would reschedule the repayment if the date of your paycheck and the date of repayment don’t line up. Seems like they send out this automated message. They only care about their money. Plus their “customer service” is a joke. They don’t get back to you in a timely manner. If you do respond to their emails you have to wait for a response. It ends up resetting time and date you sent the response. So you have no choice but to wait for them to “respond”. It’s the same automated response. No we are sorry for this. No how can we help you. This app needs to be shut down and everyone who has downloaded this app should be refunded. I have let the better business bureau know that this has happened. This is ridiculous. Stay away