Editor’s Note: Overdraft Apps provides detailed product reviews and recommendations based upon extensive research and our own hands-on testing. We may earn a referral fee when you sign up for or purchase products mentioned in this article.
Updated August 2026.
Looking for a Credit Convey app review? The product rebranded to Vansi. Same company (Hamiltonian Inc.), same Bridge-a-Gap cash advance, and (as of July 2026) the same App Store and Google Play listings still titled “Credit Convey.”
Most cash advance apps ask for your Social Security number before you can borrow. Vansi does not. That is the main reason people seek it out. The tradeoff is a bi-weekly membership that works out to about $17.31 per month, plus a $200 max that starts much lower. Here is a clear look at fees, limits, excluded states, and when a different app may cost less.
What is Vansi (formerly Credit Convey)?
Vansi is the new brand name for Credit Convey, operated by Hamiltonian Inc. in Cheyenne, Wyoming. The cash advance product is called Bridge-a-Gap (BaG). You pay for Premium membership, then request a short-term advance that grows from about $20 toward $200 as your account history builds.
If you still see “Credit Convey” in the app stores, that is normal during the rebrand. You are looking at the same app.
- Max advance: $200 (starts near $20; grows with account history; not guaranteed)
- Membership: $7.99 every two weeks (~$17.31/mo if you annualize 26 billing periods)
- Transfer fee: $0 with Premium (included; no separate express fee listed)
- SSN required: No
- Credit check: Not a traditional hard credit check for the advance path described by the company
- Store name today: Still often listed as “Credit Convey”
- Ratings: App Store about 4.7 | Google Play about 4.3 (as of July 2026 data check)
How much does Vansi / Credit Convey cost?
Premium membership is $7.99 every two weeks. That is not the same as “$8 a month.” Over a year, 26 charges add up to about $207.74, or roughly $17.31 per month.
There is no separate transfer fee on the Premium path we verified. The $0 transfer fee is part of membership. Membership auto-renews until you cancel in the app or by email.
A free tier exists, but it does not unlock Bridge-a-Gap advances. If your goal is cash, plan on Premium.
Budget tip (plain English)
If you only need one small advance, a bi-weekly membership can cost more than apps that charge a lower monthly fee or no subscription. Always compare the membership total to how often you will actually borrow.
How Vansi Bridge-a-Gap works
- Download the app (search Credit Convey in the stores until the Vansi name fully replaces it).
- Create an account. Vansi does not require a Social Security number.
- Start Premium membership if you want advance access.
- Request a Bridge-a-Gap advance. New limits often start near $20 and may grow toward $200 with history and approval.
- Repay on the schedule shown in the app (typically tied to your billing / deposit cycle). Only one active advance at a time.
Vansi is not available in: California, Connecticut, Nevada, Maryland, Utah, Kansas, Missouri, South Carolina, Wisconsin, Indiana, Massachusetts, or Washington, D.C. Confirm eligibility in-app before you subscribe.
- No SSN required
- $0 transfer fee on Premium
- Clear differentiator vs most cash advance apps
- Advance path up to $200 over time
- Bi-weekly billing (~$17.31/mo effective)
- Free tier does not include advances
- Blocked in 12 states / DC
- $200 ceiling is low vs many competitors
- Store listing still says Credit Convey (confusing during rebrand)
Want options with clearer monthly pricing and affiliate-backed picks we track closely?
Browse the Cash Advance DirectoryWho Vansi is best for
Best for
People who cannot or prefer not to share a Social Security number, and who are fine budgeting for a charge every two weeks.
Not ideal for
Anyone in an excluded state, anyone who needs more than $200, or anyone who wants a simple monthly (or $0) subscription model. If cost is the main concern, compare alternatives below first.
Better-priced alternatives to compare
Vansi is not an Overdraft Apps partner. If you do not need the no-SSN feature, these affiliate options are often easier to price-check for small advances:
- MoneyLion Instacash – $0 monthly Instacash subscription; tiered express fees; strong for users building limits. Read our MoneyLion review.
- FloatMe – Built for smaller amounts (new members up to $50). Read our FloatMe review.
- Brigit – Up to $500 with budgeting tools; monthly subscription. Read our Brigit review.
- Chime MyPay – $0 subscription path with banking + early pay access (eligibility rules apply). Read our Chime MyPay review.
Compare all 35+ cash advance apps
Filter by limits, fees, and features with data verified from primary sources.
Open the DirectoryWatch our Vansi (Credit Convey) review
Is Vansi legit and safe?
Quick Answer: Yes. Vansi is a real company (Hamiltonian Inc.). It used to be called Credit Convey. Store listings may still use the old name.
You need Premium to get a Bridge-a-Gap advance. The price is $7.99 every two weeks, which is about $17.31 a month.
The max is $200. Transfers are $0 on Premium. Vansi does not require a Social Security number.
Not available in California, Connecticut, Nevada, Maryland, Utah, Kansas, Missouri, South Carolina, Wisconsin, Indiana, Massachusetts, or Washington D.C.
Vansi fees (as of August 2026)
Figures below come from Vansi’s website (data reviewed July 24, 2026). Source: Vansi.
| Item | Cost |
|---|---|
| Monthly membership | About $17.31 a month. Billed as $7.99 every two weeks. Premium is required for a Bridge-a-Gap advance. The free tier has no advance |
| Max Bridge-a-Gap | $200. Starts near $20 and can grow |
| Transfer fee | $0 on Premium |
| Tips | Not used |
| SSN | Not required |
| Store name | App stores may still list this as Credit Convey |
Fees can change. Always confirm in the app before you take money.
How to cancel Vansi
- Open the Vansi (or Credit Convey) app and look in Account or Settings for Premium or membership.
- Vansi says membership renews every two weeks until you cancel in the app or by email.
- If you have an unpaid advance, repay it first.
- If you cannot find a cancel path, email Vansi support and ask to cancel Premium and close the account.
- Confirm the $7.99 bi-weekly charge is stopped. Then uninstall the app if you want.
Important: Deleting the app from your phone does not cancel your account or stop billing.
FAQ: Vansi and Credit Convey
Is Vansi the same as Credit Convey?
Yes. Vansi is the rebrand of Credit Convey by Hamiltonian Inc. As of July 2026, the app is still commonly listed under “Credit Convey” in the App Store and Google Play. Product and membership terms match what we describe here.
Do I need a Social Security number for Vansi?
No. Vansi does not require an SSN during sign-up. That is its biggest product difference versus most cash advance apps.
How much does Vansi cost per month?
Premium is $7.99 every two weeks. Across 26 billing periods in a year, that is about $17.31 per month on average.
Is there a transfer fee on top of membership?
No separate transfer fee is included in the Premium path we verified. Transfer cost is $0 as part of membership.
How much can you borrow from Vansi / Credit Convey?
Up to $200. New users often start near $20. Limits can grow with account history and approval. They are not guaranteed on day one.
Is Credit Convey (Vansi) legit?
It is a real consumer app from Hamiltonian Inc., with public store listings and a live product site. “Legit” does not mean “cheap.” Read the bi-weekly membership math and state limits before you subscribe.
Which states does Vansi not serve?
Not available in CA, CT, NV, MD, UT, KS, MO, SC, WI, IN, MA, or DC. Always confirm in-app.
Is Vansi worth it?
It can be if you need the no-SSN path and you will use advances often enough to justify ~$17.31/mo. If you mainly want a one-time $40-$100 advance and you can use other apps, compare how to borrow $40 or how to borrow $100 first.
Related guides
- Cash Advance App Directory
- How to Borrow $40 Instantly
- How to Borrow $100 Instantly
- Cash Advance Apps With No Subscription Fee
- Best Apps That Let You Borrow Money
- PockBox: Compare Personal Loan Offers
Alternatives to Vansi (formerly Credit Convey)
Vansi Bridge-a-Gap advances require Premium membership (billed bi-weekly). If that pricing is not a fit, compare:
