Credit Genie
Credit Genie's Cash Boost app lends $10 to $150. There is no interest and no credit check. Standard delivery is free and takes up to 3 business days, with no membership needed. You do pay an ongoing fee to keep your bank connected, and Credit Genie will not say how much. Faster delivery needs a $9.99 monthly membership plus a delivery fee it also will not publish.
$150
Max advance
Undisclosed ongoing fee to keep your bank connected. Applies to every user.
Subscription
None
Credit check
The details
- Max advance
- Up to $150
- Limit resets
- Per pay period
- Mandatory fees
- Undisclosed ongoing fee to keep your bank connected. Applies to every user.
- Premium plan (optional)
- $9.99/month
- Interest
- None
- Late fee
- None
- Credit check
- None
- Direct deposit required?
- Yes
- Bank-link required
- Yes
- Instant transfer
- Within 30 minutes to a linked debit card. Express ACH arrives same day by 9pm ET, or the next business day if you ask after 3pm ET.
- Instant transfer fee
- Requires $9.99/mo membership plus a delivery fee (amount not stated on these pages)
- Free transfer
- Up to 3 business days (Standard ACH)
- Tips
- None
- Eligibility
- You must be 18 or older, with a personal checking account open at least 90 days and regular direct deposits in the last 90 days. Only one Cash Boost outstanding at a time. Not available in Connecticut, Maryland, Nevada, Hawaii, Wisconsin or Washington DC. Note that Credit Genie's own Apple App Store listing states 'No direct deposit required', which contradicts the website and the Terms.
Pros & cons
Pros
- Miss a payment, and Credit Genie still won't report it or sell your debt.
- Your credit score never gets touched, and nothing here costs you interest.
- Standard delivery is free, and you don't need the $9.99 membership.
Cons
- There's an ongoing bank connection fee. Credit Genie never says how much.
- The $150 max is rare. First-timers are capped at $100.
- Want it faster? You pay $9.99 a month, plus a fee they won't name.
Compare Credit Genie to other cash advance apps
| App | Editors' rating | Member rating | Max advance | Instant fee | Firstcard clicks (12 mo) | |
|---|---|---|---|---|---|---|
| — | — | $150 | Varies (see details) | — | |
 | 4.7 | 5.0 (1 review) | $750 | Not published | 30,804 | Get Cash Advance |
 | 4.6 | 4.5 (3 reviews) | $750 | $3.99–$37.49 | 11,173 | Get Cash Advance |
 | 4.5 | 4.5 (2 reviews) | $500 | $2–$25 | 3,480 | Get Cash Advance |
Similar apps are picked automatically: same category, ranked by Firstcard editors' rating. Clicks are Firstcard members sent to each app in the last 12 months, with suspected bot traffic excluded.
A warning from Firstcard
- Borrow with a plan. Take an advance only for a specific, necessary expense, and know exactly which paycheck repays it before you tap the button.
- Don't stack apps. Using more than two cash advance apps at once is how the debt spiral starts. We don't recommend it, ever.
- Avoid instant fees. Express delivery is extremely expensive for the days it saves, see the APR math above. If a free delivery option exists, use it.
Relying on an advance every paycheck? Learn how these apps really work →
How Firstcard works
Firstcard exists to make finance simple and accessible, so anyone can choose the right financial product with confidence. That means showing every fee and every catch upfront, and holding ourselves to the same standard. Here is how Firstcard works, and how we make money.
How we rate. Our editors' rating for a cash advance app weighs what it truly costs to use (the instant fee plus any required subscription, not the advertised “no interest”), how much you can actually get, how fast the free option delivers, what you need to qualify, and how repayment works. Ratings run 1 to 5 in tenths and compare products only within their own category, so a 4.5-star cash advance app is not “better” than a 4.0-star credit builder: they do different jobs. Treat the rating as one input, not the decision. See how we rate financial products.
How we make money. Firstcard may earn a commission when you click a link on this page, get approved, or open an account. That is what keeps our comparisons free to use. See how we make money and our current partners.
Ratings versus placement. Star ratings, member reviews, and our cost math are never influenced by money, and no partner sees a review before it publishes. Where a product appears is a separate question: featured spots and default ordering can reflect partner compensation and what members click and choose. That is why the rating and the real numbers travel with every product, wherever it sits. See our Advertiser Disclosure and Editorial Guidelines.
Terms change, so check before you apply. These terms come from the providers, not from us, so we cannot guarantee they are current or complete, and anything a member reports describes their own account rather than the offer you will be given. Always confirm the fees and terms on the provider's own site before you apply. If you spot something wrong here, email support@firstcard.app and we will fix it.
