This is one of the only money apps, the others being Tilt and Grant, that let me have a decent amount quickly like 5 mins after getting the app. I saw someone give one star because he said they didn’t take chime but I have chime and it worked for me, well. Maybe it has to do with the state you’re in? Different states have diff banking laws. I also make about $4200 a month so that might have something to do with approval also. I think they started me at $100 maybe 75 I can’t remember.

I’ve had OneBlinc now for several months, 6+ months. I was up to $250 advanced and have always paid on time every time. All the sudden, after making my payment, my Home Screen on the app says I’m back to $50 advances. Not one late payment the whole time. I pay my bills on time. I feel like this app is getting over on people and knocking them down after so long. It happened to a coworker of mine who originally told me about this app. He had been paying on time every time for many months, up to $250 advances as well, he had had his app much longer than me and one day, his account did the exact same. He warned me that he tried to get it fixed but the customer service representative insisted they couldn’t fix it because he was late on payment when he was in fact not. Just like me, he had proof through his mobile banking and bank statements that he paid the advance on the day it was due. I feel like maybe they’re not making enough off people who are borrowing $200 and $250 amounts so they’re knocking people down to start all over after they’ve been maxed out for awhile. Well needless to say I won’t be borrowing any more from this app. I owe nothing now and will not use it again. I could see if I was actually late on a payment, but punishing people who pay their advances on time is not it. I’m very sorry, and I’m glad the advance is paid indeed, but I feel at this time borrowing more and starting over is risky.

While I didn’t get far enough to see what the subscription cost was going to be, I don’t think this app is worth anything. I was denied for a $50 advance for “checking account not up to standards”and “unacceptable credit” or something. This was after I provided them all of my personal information, access to my bank account, and one of my kidneys. I’m over these apps, they’re all the same and I’m done using them. You don’t get my personal information to sell to third parties anymore, I’d rather get a second job than deal with this hassle. I deleted the app and very soon after got an email from OneBlinc saying “make sure to not delete our app, try again in 30 days!” Guess what, you were going to make money off of me, not the other way around. I believe these apps do more damage than good. It seems like they prey on people who are low on cash, and it’s scummy. Super scammy, don’t recommend.

I want to take this opportunity to share my feedback. While my experience didn't pan out as expected, I firmly do not consider this app to be flawed. I recognize that challenges may occur, particularly following a significant update, and I am inclined to attribute the issues I've faced to that. When I received the reasons for my rejection, I found them completely unjustified. This was further proven when I uninstalled and reinstalled the app, only to be met with an entirely different, yet equally invalid, reason for rejection. I am confident that a discussion with a live representative would lead to a swift resolution of this matter. If an admin is reading this, I encourage you to reach out to me directly. Thank you.