Apps Like Credit Genie: Skip the $4.99 a Month Fee and Try These Apps Instead

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Alexander Porter

30-SECOND SUMMARY: Credit Genie offers up to $100 in cash advances in between paychecks, better insights into your spending and finances, and in-app features to help you get out of debt. Although Credit Genie’s cash advances come with no interest and apparently “no fees”, it’s one of the more expensive cash advance apps on the market. If you want to save money (and time), we’ve rounded up the top apps like Credit Genie.

What are the best features of the Credit Genie app?

Credit Genie offers small cash advances (up to $100) to cover unexpected expenses or to bridge the gap between paychecks. 

There’s no credit check to qualify. Instead Credit Genie links to your bank account through Plaid to analyze your financial situation and determine your eligibility for cash advances.

This connection costs $4.99 (whether you request a cash advance or not!) but does come with a few extra features. These include:

  • Alerts: Get notified when your funds are low so you can avoid overdraft fees
  • Insights: Analyze your spending pattern with tips to improve your money management.
  • Debt Relief: Recommended debt relief products to help you break the cycle of debt.

All of these features are included in Credit Genie’s unavoidable paid subscription which will cost you $4.99 a month (though new users can try Credit Genie for free with a 3 day trial). 

Cash advances can start as low as $5 to $20. This amount can be increased to $100 through ongoing use and on-time repayments.

Learn More >>> Read our full Credit Genie review 👈

Who is the Credit Genie app NOT for?

Borrowing one hundred dollars can be a lifesaver when you’re short on funds, but there are a few limitations to be aware of.

If you want to add Credit Genie to your apps, make sure you’re not affected by the following limitations:

  • Maximum cash advances of $100 may not be high enough to meet your needs
  • First advance can be as low as $5 which won’t cover much (or anything)
  • Customer reviews report decreasing cash advance limits over time
  • Cash delivery times aren’t guaranteed and may be unreliable
  • A cash advance requires a $4.99 monthly connection fee
  • Express delivery fees range from $5.99 to $11.99
🤓 Overdraft Apps Tip: Credit Genie is one of the most expensive cash advance apps available. Assuming you pay $11.99 for instant delivery and leave a 15% (optional) tip on top of the $4.99 monthly fee, the total cost for a $100 cash advance is a whopping $31.98. For context, the average cost of a $100 cash advance is $15.35.
chart showing cost of borrowing $100 from 15 instant loan apps

What other apps are like Credit Genie?

Credit Genie’s cash advance limit of $100 isn’t the highest available, so you might want to compare your options if you need more cash.

Fortunately, there’s no shortage of instant cash advance apps like Credit Genie. If you’re looking for a better alternative, here are some options that have them beat in at least one significant way:

#1 – Dave: Use ExtraCash™ to get up to $500 in minutes

Dave makes it easy and affordable to get up to $500 in just a few minutes (No joke, we’ve timed it!), plus a number of features to help you build your credit and unlock extra income.

Launched back in 2017, Dave was one of the first low-cost cash advance apps to provide a cheaper alternative to costly overdraft fees or payday loans.

Although the cash advance market has grown, Dave remains one of the most popular options thanks to its ExtraCashTM feature.

With Dave ExtraCashTM, you can request an advance for up to $500 with no interest and no credit checks2

To get your funds instantly, you can have your Dave ExtraCash advance sent to a Dave Debit MasterCard®.

Or, you can have your advance sent to an existing debit card or bank account. This option will take 2-3 business days, but won’t cost you a cent. For immediate transfers to a debit card or external account, express fees range from $5 to $25.

Get up to $500 instantly >>> Check out Dave 👈

phone screen showing $500 cash advance from Dave ExtraCash

#2 – PockBox: Compare loan offers up to $2,500 in minutes

Credit Genie’s cash advance limits are lower than most. $100 isn’t much, and only the most qualified applicants can borrow that amount. 

PockBox is on the opposite end of the spectrum. It offers you the chance to borrow as much as $2,500. 

If you need more than a few hundred bucks, it’s one of your best options. PockBox lets you compare multiple loan offers in minutes, but be aware that some are more expensive than traditional cash advances.

Loans start at $100, and you may be able to borrow up to $2,500. With most lenders, you can get your loan by the next business day, and sometimes even faster.

PockBox is free to use, and there’s no obligation. Many lenders on PockBox specialize in borrowers with bad credit, so even if you’ve been turned down elsewhere, you may still qualify for a loan.

Compare loan offers for up to $2,500 >>> Check out the free PockBox app 👈

Hand holding phone with PockBox app

#3 – Cleo: Fast funding up to $250 with a side order of memes

Unless you’re willing to pay an expensive express fee, Credit Genie takes at least one to three business days to deliver your funds. 

For a faster alternative, consider Cleo. It can get you up to $250 in less than ten minutes.3

You can qualify to borrow up to $100 as soon as you download Cleo, and your limit can quickly increase to up to $250 as you build up a track record of on-time repayments and ongoing regular deposits in your bank account.

Where Cleo stands out is its AI-powered interface. It’s way more entertaining than its competitors, with a snarky AI assistant that guilt-trips you into spending less money and toasts your success with the internet’s best memes.

Seriously, check out Cleo to track your spending, save automatically, and even earn cash-back rewards. Then tell us you don’t end up laughing your ass off at your smartphone.

Get Started in 2 Minutes (And Borrow up to $250) >>> Check Out Cleo’s Sass 👈

Cleo app on a phone

#4 – Albert: Up to $250 in cash advances perfect for gig workers

Credit Genie forces you to link a bank account that shows a paycheck coming in every two weeks, which is a common obstacle for the self-employed. 

If you’re looking for a cash advance app without direct deposit requirements, Albert is a great option. You can use it to borrow up to $250, even as a gig worker.

With the Albert app, you can request interest-free and fee-free cash advances for up to $250.

There’s no credit check to apply. Instead, Albert securely links to your bank account after just a few easy questions, and analyzes your account history and activity. 

As long as you have an established bank account with regular recurring deposits (whether that’s from Uber, DoorDash, or Lyft) it doesn’t matter where your income is coming from.

You can have your cash sent to your bank account almost instantly, for a small express fee. It will cost you $6.99 to get instant access to a $100 advance. Or, plan ahead and skip the express fee by waiting up to three business days for your Albert advance to arrive. 

Get up to $250 with no credit check >>> Check Out Albert 👈

Albert $250 cash advance

BEFORE YOU GO… Check out our most popular articles:

WAIT! Why borrow quick cash when you can earn it?!

Cash advance apps can be a great tool for getting a little extra cash when you need it, but you’ll need to repay it – plus fees – wihtin a week or two. Did you know there’s an easy way to earn extra cash that’s yours to keep?

KashKick is a wildly popular service that lets you earn money for playing games, completing surveys, signing up for trial offers and more. (You’ll even earn cash for just completing your profile!) You can earn cash today and withdraw your earnings through PayPal once you’ve reached $10. You can earn over $100/month with KashKick – and you don’t need to spend a dime or take out your credit card to do it.

There are dozens of high-paying offers available on KashKick, and if you’re into playing new games on your phone, you can earn some serious cash for doing what you love. Though offers change regularly, there are currently1 more than three dozen offers available where you can earn cash – sometimes over $100 – just by downloading and playing popular games like Coin Master, Monoply Go, Bingo Blitz, and more. These games are all free to download, and no in-app purchases are required to earn with KashKick.

Get paid to play on your phone >>> Check out KashKick

Alexander Porter
  1. As of February 13, 2024. Offers may change and may not be available to all users. Eligibity requirements apply. See KashKick's Terms of Service for full details.
  2. ExtraCash™ is a DDA account with overdraft utility that is subject to eligibility requirements. Taking an ExtraCash™ advance will make your account balance negative. Express delivery fees apply to instant transfers. See the ExtraCash™ Account Agreement for more details.
  3. Eligibility requirements apply. Not all users will qualify. Advance amounts range from $20 to $250. Instant transfers subject to express fees. Visit for more information.

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