Instant Cash Advance Up to $150*, Budget and Earn Money
True Finance is your all-in-one app to budget smarter, earn more, and access instant cash advances up to $150. 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 $150 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.
MEMBERSHIP DETAILS AND DISCLAIMERS
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 $6.99/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–$150, with an average of $45 as of Dec 2025.
This is yet another app that makes you pay for a premium subscription in order to get in advance. If I’m trying to get a cash advance, do you think I have any money for a subscription right now? There are better apps to use, but I’m kind of in a tight spot right now. I took out an advance last night with a different app, it already tried to do the repayment, but I don’t get paid until tomorrow so now I’m screwed. I can’t find another app that will work for me and I just need to get through today.*update* Seems like I got kind of a rude response to my review but I changed my rating to 3 stars because whoever responded to my review probably doesn’t have the easiest job, I respect it.
Developer Response
Thank you for your review. We have a 4.8 rating on iOS - Our program approves between $10 to $100 with an average of $40 as of April 10, 2025. This is mentioned in all of our ads. We have MANY customers getting the full $100 and always refund those who are NOT approved for an advance.
IMO…Not Worth It
Grid App Review
Although I’ve never had any technical difficulties with this app and the app does offer different features, to me it’s not worth it, ESPECIALLY the cash advance feature. Throughout the years I’ve used several cash advance apps and it’s the apps like this one that I will never understand. I can understand starting someone with a low amount because you want to see how they do paying the advance back…but after that person has continuously paid back several advances on time, their direct deposits are always the same amount, spending history stays consistent (basically all of the requirements are met that the app states they go by when it comes to cash advances) and instead of rewarding that person with a little increase in their offer, it actually decreases instead?! I read another review and completely agree with the person…you pay a $4.99 per month subscription fee to get a $10 or $20 advance?? And yes I know there’s other ways on the app to earn more like games and other offers but what grown adult has time to sit around and do those things to make literally nothing? This app might be ok for a working teenager or very young adult but not worth an adults time. MANY better cash advance apps out there with a MUCH higher limit that won’t decrease your offers after you pay them over and over again on time. Will be canceling my subscription and uninstalling.
Developer Response
We’re sorry to hear this. Advance amounts are based on eligibility and can vary, even with on-time repayments. Subscription also includes features beyond advances like earnings, budgeting, credit monitoring, and identity protection. Please contact support so we can review your account.
Not worth it
Sjjj1152
Just like all the other reviews say, you do have to pay $6.99 JUST TO SEE IT YOU QUALIFY for an advance. Yes they stare that with paying the $6.99 for premium unlocks other stuff like more ways to earn, identity protection bla bla bla. But i am definitely sure that i speak for a lot of us when i say that we do NOT care about all that extra stuff when we are clearly using the app ONLY for the advance feature. As a company, if you want to generate great feedback and credibility, then maybe idk only charge the $6.99 AFTER the consumer accepts their first advance. Stop trying to charge us just to see if we even qualify man. I dont care about offering refunds if we aren’t eligible for an advance, simply just stop charging the fee before we find out if we qualify and i guarantee all of us would be happy. Please dont reply back with the other benefits about premium, i have already read other reviews and your support team’s response and i simply do not care. Plus you have a history of not responding fast enough to user issue/complaints so offering a refund is way more difficult than just avoiding the charge whatsoever UNTIL AFTER we accept our first advance. You seriously should consider my review if you want better 4-5 star reviews, thats the truth.
Developer Response
We appreciate you taking the time to explain your perspective so clearly. Please note, users that are not approved or do not utilize the services are welcome to request a refund through support. We’ve tested several different subscription structures, and our current format has worked best overall for our members and platform. We understand not everyone will agree with that approach, and we genuinely appreciate you sharing your perspective. Feedback like yours is reviewed internally and considered as we continue improving the experience.
Modern Bait and Switch
RxffRxff111
People PLEASE READ!!! This is a bait and switch business model. They purposely design their app to look like you qualify for cash advance with the disclosure that you may not be approved for a cash advance (they do this to create a sense of transparency). But when you apply for it you have to sign up for their premium subscription which is 7.00$ just to unlock THE POTENTIAL CHANCE that you’ll qualify for it… you’re not paying 7$ to secure your approval, that’s right you’re just paying 7$ to see if you qualify. Then when you pay and connect your bank you will not qualify but they keep your 7$ even when you cancel the subscription on the same day. I have great credit but found myself in hardship, there’s no reason I shouldn’t qualify. I tried having my partner sign up too, and she didn’t get approved either despite her fair credit. Luckily we have great banks and will be doing a chargeback, you should do the same. Do not let these modern fraudsters take your money. Even if it’s just 7$ they’re most likely doing this to thousands of people every day, they’re getting rich little by little off not approving a lot of people.
Developer Response
We’re sorry you feel this way and appreciate the chance to clarify. Eligibility is determined only after a secure bank connection, and approval is not guaranteed. The subscription provides access to features beyond cash advances, and users are only charged after agreeing to the subscription terms.For transparency, our approval rate is around 90% across nearly 10,000 applicants per day. If a user decides the service isn’t right for them, they’re welcome to request a refund through support. Transactions that are agreed to during sign-up are not fraudulent, and we’re always happy to help review any concerns directly.
This update includes minor fixes and performance improvements
Version 10.5.0
The developer, True Finance LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
Contact Info
Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
True Finance LLC
Size
124 MB
Category
Finance
Compatibility
Requires iOS 16.4 or later.
iPhone Requires iOS 16.4 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
