True Finance
True Finance offers cash advances up to $150, with no interest and no credit check. You need a $6.99 monthly membership before you can request one. Instant delivery costs extra, and True's own pages do not agree on the price. See the cons below for the exact numbers. An Earn tab lets you do tasks and games for extra cash through third-party partners.
$150
Max advance
$6.99/mo
Subscription
None
Credit check
The details
- Max advance
- Up to $150
- Limit resets
- Rolling
- Mandatory fees
- $6.99/mo Bank Connection Fee (Premium membership), required to request an advance
- Interest
- None
- Late fee
- None
- Credit check
- None
- Direct deposit required?
- Yes
- Bank-link required
- Yes (Plaid)
- Instant transfer
- Within one hour (via linked debit card)
- Free transfer
- One to two business days (standard ACH)
- Tips
- None
- Eligibility
- Requires an active $6.99/month Premium membership; a checking account linked through Plaid; and a qualifying direct deposit of at least $200 received at least 3 times. Only one active advance at a time. Not available in Connecticut (since July 15, 2026), Indiana (since June 8, 2026), Washington D.C., or any U.S. territory.
Pros & cons
Pros
- True's Earn tab pays cash for tasks, run by outside partners, not True.
- No interest and no late fees on the advance itself.
- Miss a payment, and True won't report it or send you to collections.
Cons
- You need to pay $6.99 a month before you can even request an advance.
- True quotes $2.99 to $5.99 for instant delivery. Its terms list fees up to $7.99 instead.
- The $150 max is rare. The average advance is about $45.
Compare True Finance to other cash advance apps
| App | Editors' rating | Member rating | Max advance | Instant fee | Firstcard clicks (12 mo) | |
|---|---|---|---|---|---|---|
| — | — | $150 | — | — | |
 | 4.7 | 5.0 (1 review) | $750 | Not published | 30,777 | Get Cash Advance |
 | 4.6 | 4.5 (3 reviews) | $750 | $3.99–$37.49 | 11,154 | Get Cash Advance |
 | 4.5 | 4.5 (2 reviews) | $500 | $2–$25 | 3,474 | 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.
