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The OneBlinc app offers convenient cash advances up to $250 with new users likely to get around $50 (a step up from the $10 or $20 some other apps offer to new customers). You’ll need to stick with the app for a few months to get the most value from your subscription, so read on to find out if OneBlinc is the one for you.
OneBlinc promises fast, simple and secure options that get you the funds you need – up to $250 – when you need them most. With no credit check and the promise of extra features to build your credit score and shield you from NSF fees, we put the app to the test to see if it stacks up.
OneBlinc offers cash advances up to $250 without the strict eligibility criteria of other money lending apps which makes it a handy option for gig workers, freelancers, and anyone with direct deposit coming from multiple sources.
The app plans to introduce extra features like BlincBoost (a credit building product) and BlincShield (alerts to stay ahead of non-sufficient funds), but you’ll need to pre-register as these features aren’t available yet.
Read on for our hands-on OneBlinc app review.
Review Takeaways:
- Higher cash advance limits: New users start at $50 and can potentially increase advance limits to $250 which is significantly higher than an app like ATM Instant Cash (maximum $50).
- Easy eligibility: Registration is simple – just connect your debit card and you can set up an account in as little as 10 minutes — even if you’re a gig worker.
- Transparent fees: The monthly subscription fee of $8.99 is clear and obvious upfront although this is higher than similar money lending apps.
- More features (soon): OneBlinc plans to introduce extra products to help you better at managing your money… but they’re not ready yet.
How does the OneBlinc app work?
OneBlinc offers interest-free cash advances up to $250 with fast approvals and no credit check.
Here’s how to get started:
- Download the Blinc app
- Create your OneBlinc account
- Connect to your bank and confirm bank details
OneBlinc uses Plaid to connect with and analyze your linked bank account. You’ll need to register a debit card linked to this account to receive your advance and pay fees.
Unlike similar apps, you don’t need eligible direct deposits which is helpful if you’re unemployed or between jobs. The app will use your account details to get your money “in a blinc” (their words, not ours), so choose the same bank account you receive your salary or wages in.
| 🤓 Overdraft Apps Tip: You’ll be asked for your employer’s name and the length of time you’ve worked there but don’t stress if you have multiple employers (e.g. driving Uber and Lyft). You can manually enter the name of your employer if it doesn’t appear as a “Supported eEmployer” in the app’s drop-down menu. |
How much does the OneBlinc app cost?
If you’re an existing OneBlinc loan customer, congratulations – you can request BlincAdvances for free.
Everyone else will need to pay for an $8.99/month membership.
After testing the app, we were charged a subscription fee BEFORE seeing if we’d been approved which isn’t user friendly. It’s easy to cancel within the app (possibly on the back of apps like Brigit and FloatMe running into legal trouble by making cancellations next to impossible), so that’s helpful.
Still, paying a monthly fee and being rejected will sting twice, so double check your eligibility before you apply!
Each advance is interest-free with two deposit options.
- Standard deposits are free but you’ll have to wait a few days for your cash.
- Express fees cost $4.99 per advance if you want your money immediately
Despite minor frustrations, we found the OneBlinc app to have reasonable fees that are lower than many other apps – especially if you’re willing to wait up to 3 business days to skip the Express Fee.
Looking for a similar option? Try Brigit for advances up to $250 👈
How much can you borrow from OneBlinc?
Cash advances (known as BlincAdvances) are available up to $250 with no interest.
New users are more likely to get a $50 cash advance, though this can be increased with on-time payments and your ‘Loyalty Level’. The higher your ‘Loyalty Level’ (which is code for how long you’ve subscribed to the app), the higher your advance amount.
Your limit increases to $60 after the first month, then by $15 – $25 per month until you reach the maximum $250 limit.
Late payments can bring your limit down (we found some users with high limits seeing their limit drop back to $50 after just one late payment!), so you’ll need to pay the monthly subscription fee on time to unlock the full advance amount.
| 🤓 Overdraft Apps Tip: You can set your repayment date before you take out an advance, including pushing it out 30 days beyond your expected pay day which is a handy feature not all money borrowing apps have. |
Is OneBlinc legit?
OneBlinc averages 4.7 stars from 2,700+ reviews on the App Store and 4.2 stars from 2,600+ reviews on Google Play. With over 100,000 downloads, there’s no doubt this app is legit and growing in popularity.
Positive reviews talk about how they like the app’s transparency on fees and loan limits with praise for how OneBlinc often approves people who have trouble qualifying for other apps.
Negative comments complain about in-app glitches (freezing and crashing) and a sign-up process that takes longer (10 minutes or more) than other popular cash advance apps.
Is the OneBlinc app worth downloading?
The OneBlinc app is a useful way to borrow up to $250 – as long as you’re willing to stick with the app over a full year and build up your usage (a.k.a ‘Loyalty Level’).
In our test, we found some inconsistent information online as the app made changes to their business model. FYI, if you’re reading that you need to be a Federal Government employee to access an advance, that is WRONG.
With no credit check or direct deposits, the app is a good fit for any employees as well as gig workers and freelancers, as long as you plan to stick with it and take advantage of cash advances over time.
It’s also helpful that advances start at $50, which is a solid amount and significantly more useful than the $10 or $20 which many other apps start at.
With relatively low fees and no hidden charges, OneBlinc is one of the better cash advance apps we’ve tested.
Need to borrow more than $250? >>> Try MoneyLion for Up to $1,000 👈
VIDEO: Watch our hands-on OneBlinc review
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- Apps Like FloatMe: Go From $50 to a $500 Cash Advance - January 12, 2025
- Credit Convey App Review: Cash Advances up to $200 But Watch Out For High Fees - December 10, 2024
- Money App Review: Borrow Up to $250 With Impressive High Limits for New Users - December 10, 2024
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