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Updated July 2026.
True Finance earns a 4.8-star App Store rating and 4.4 stars on Google Play, ranking it among the highest-rated apps in this category. The $6.99 monthly membership unlocks cash advances up to $150 with delivery in under an hour, plus a suite of additional financial tools. Before you subscribe, there is a timing detail about the first charge that is worth knowing.
What is True Finance?
True Finance LLC launched in 2023 as a multi-feature financial app combining a cash advance tool with budget tracking, credit score monitoring (VantageScore 3.0 via Equifax and Array), an Earn tab with games and surveys, and a marketplace. The $6.99 monthly membership is required for both the Cash Advance feature and the Budget tab. This review focuses on the cash advance product.
True Finance Cash Advance at a glance
- Max advance: $150
- Average advance: About $45 (range $10 to $150)
- Membership: $6.99/mo (required for advance access)
- Instant processing fee: $1.99 to $5.99; delivers within the hour
- Standard delivery: 1 to 2 business days, free
- App Store: 4.8 stars | Google Play: 4.4 stars
Fees: what True Finance actually costs
True Finance charges a $6.99 monthly membership, which is required to access advances. The membership also unlocks the Budget tab and other premium features.
For delivery speed, you choose between standard (1 to 2 business days, free) and instant processing ($1.99 to $5.99, within the hour). We show the top of the instant fee range. The exact fee depends on your advance amount and is shown at checkout.
One important heads-up: some users report being charged the $6.99 membership before their advance limit is confirmed. This means you could pay the subscription fee and then discover your qualifying limit is lower than expected. True Finance has not publicly addressed this sequence on its primary site. Check your limit before completing the membership purchase if this matters to you.
How True Finance works
Download True Finance from the App Store or Google Play. Connect your bank account and subscribe to the $6.99 membership. True Finance evaluates your account to set your advance limit, typically starting around $45 for average users and ranging from $10 to $150.
Request an advance and choose your delivery speed. Standard arrives in 1 to 2 business days at no extra cost. Instant processing delivers within the hour for $1.99 to $5.99. Repayment is automatic on your next payday. No credit check, no interest, no late fees.
4.8 stars on the App Store. Instant delivery in under an hour with a $6.99/mo membership.
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Browse the DirectoryWho True Finance is best for
Best for
Users who want fast delivery (under an hour) for advances up to $150 and are comfortable with a $6.99 monthly membership. The additional budget and credit tools add value for the cost.
Not ideal for
Anyone who wants to confirm their advance limit before paying the membership fee, or users who need more than $150.
Watch our True Finance review
Frequently asked questions
How much does True Finance cost per month?
The membership is $6.99 per month. It is required for advance access and the Budget tab. There is no free tier for advances.
How fast does True Finance send money?
Instant processing delivers within the hour for a fee of $1.99 to $5.99. Standard delivery arrives in 1 to 2 business days at no extra cost.
How much can I get from True Finance?
The range is $10 to $150. The average advance is around $45. Your limit is set by True Finance based on your account and deposit history.
Will I be charged before knowing my advance limit?
Some users report being charged the $6.99 subscription before their advance limit is confirmed in the app. Confirm the UX flow during sign-up and check your limit before completing the membership purchase if this matters to you.
Does True Finance check my credit?
No hard credit check. True Finance monitors your credit score (VantageScore 3.0) as a feature of the app, but does not run a hard inquiry to qualify you for advances.
