Instant Financial 4+

Best payment app I’ve ever used

I’m not exaggerating when I say this is the best payment app I have used in my entire life. First of all, the customer service line is listed clearly when you look up Instant on Google. It’s very quick and easy to get through to an agent and they are available 24/7 which is honestly unbelievable to me. I’ve had credit cards that I’ve spent thousands of dollars with and I couldn’t get somebody on the phone half as easy as with Instant. The customer service representatives have always been friendly and helpful, and even when I call in with an issue that I’m sure can’t be resolved, they surprise me by fixing it every time so far. When I got this app I really didn’t expect much, but I’ve been blown away by the ease-of-use and consistency. I always get the payment offer the day after I worked, and even one day when I missed the offer because my job was being super draconian and refused to let me take my break, I called into the customer service line and within 5 minutes got paid. I really can’t recommend it enough, I just wish all apps and websites were this seem less to use. Great job guys!! This company is a real diamond in the rough now a days

It’s good!

I had just recently gotten this card, after our other cards had expired. And I have to say, this is significantly better than the other card. But with a few drawbacks in my opinion. One is that they give you the money that you earned, durning the shift that you had just worked. Like I like that they are always adding money onto the card, but it just makes me want to use it. And that money always goes toward our next checks. However! I do like that they give u an option for whether or not you want to take it. Another draw back, that I have not yet experienced, but have heard from other people, is that if your card has less than 400 dollars on it, there is a 5 dollar fee. Now that I don’t understand. If there is anyway I could get an explanation for that, I would be grateful. Well, thanks for hearing me rant on and on about it. I hope you see my message, and I hope to hear from you soon!

Developer Response ,

Hi there, we're glad to hear you're liking Instant so far! It can be an adjustment to get used to the new way you can access your funds - here is an article to help support good savings habits - https://www.instant.co/resources/financial-wellness/. With regard to what you heard about a minimum balance - that is not correct! Any fee is listed in your cardholder agreement which can be accessed when you are logged into your App from the Help screen. No hidden fees, they're all available for you to reference there. If you have any more program questions, please get in touch with our Support team by chat through the Help screen of the app.

Intentionally misleading

Update 2: 3rd or 4th interruption to daily use in less that 3 months.... can't use card, add money or check balance and right near Christmas too.... this really has me considering a new job just to get away from this card.
Update: I saw your response, which was way late. Ironically you all fixed the issue within hours of me calling you out on the applications nonsense. Still seems like a temporary intentional ploy to get people to over spend that you fixed after someone called you out on it. Furthermore I shouldn't have to jump through hoops to get my balance IE the app should work consistently. Keep it right the first time and stop messing with people's money. Still do not recommend this app or company. Leaving my old review as is. If your job requires this: pick a new job
Old review:
The app used to update your balance every time you opened it. Now it will only tell you the balance as of the last time you received pay. If you withdrawal it remains the old balance setting you up to overdraw your account and pay fees. Seems pretty deliberate and like they set you up to fail. Actually considering changing jobs not to be stuck with this misleading system. Just seems very intentional that they want you to overdraw.

Developer Response ,

Hi there, it sounds like the app isn't working quite right - please follow the instructions here to bring performance back up again! http://bit.ly/appissuesfaq In the mean time, you can always check your balance by calling the number on the back of your card and following the prompts for an automated read out of balance and recent transactions.