B9 User Reviews

B9 - Cash Advance

B9, Inc.

Finance

Reviews Summary

Positive highlights

💳

This app hasProvides a debit card with 5% cashback on purchases

🔍

This app hasOffers credit checks and tax season synchronization

🚀

This app hasAllows for early paycheck access (up to 15 days)

💰

This app hasProvides cash advances up to 100% of average paycheck

🔒

This app hasSecure and trusted banking platform

🤝

This app hasHelpful and responsive customer support

💸

This app hasNo interest charged on cash advances

🕰️

This app hasReceives paycheck 2-3 days earlier than normal

Negative highlights

💳

This app hasCharges fees for digital wallet and P2P transactions

🔒

This app hasInability to be Plaid verified

💰

This app hasMandatory tip added after a few months

🕰️

This app hasOnly allows 2-week intervals between payments, which can be an issue for monthly pay

💰

This app hasCharges monthly service fees

🔒

This app hasDifficult to cancel subscription and close account

💰

This app hasAutomatically deducts advances from any deposits, leaving users penniless

🕰️

This app hasDelayed access to funds due to issues with direct deposit setup

Top reviews

Most RecentHighest RatedLowest Rated

Awesome app

I’ve been using B9 for about 4 or 5 months now and I’ve never ever had an issue. Always paid two days early and receive my loan the same day I pay it back. Definitely will refer my family and friends and anyone else who’s looking for that extra help before payday.

Straberree77

3 years ago

They need to be sued

I was going to get my deposit sent to their account but when my boyfriend got his paycheck it was sent there and he recently had a number change and all of a sudden he is locked out his account. We have spoken and text numerous agents to change the number so that we can access his funds and they keep saying they are working on it…To change a number!!!! That’s absolutely ludicrous. I don’t even think they are even in the states which says a lot already. P.S they are no way by far better than chime. I have NEVER seen anything like this on ANY bank!

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Nookie31

3 years ago

DONT DO IT

ZERO STARS——-I downloaded this, gave them my direct deposit information but never ended up needing a small loan so I chose to close account before another monthly fee was charged. Its nearly impossible to not get an automated message when reaching out to customer service, which is the only way to "close" the account. Secondly, they make you transfer money they took from my check to a different bank account. WEEKS later I finally get them to close it and they are STILL taking money from each pay check! DONT DO THIS

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sophia b9 is a scam

3 years ago

Horrible

I download this app did everything it asked for, which is kinda of a lot they want you to link your direct deposits and bank accounts so they can verify what you make then you wait until they receive a direct deposit before they lend you a small amount that grows if you give them more district deposit and pay back the advance. Which I did early and twice. They increased my advance amount so very happy with that I increased my DD and paid early a third time thinking I could at least get what I was already receiving but No instead they took out my monthly fee and told me you must get paid every 14 days. Well that dosent work for me since I get paid once a month hence needing a service like this! Grrr so not only did they leave me even more behind, but when I canceled the service because obviously isn’t going to work for me on the same day they took next months service fee will not issue my 9.99 service fee back. That’s fine fine keep it but I do not recommend this app!!!!!!!!!!

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jerjer

3 years ago

Response from developer

Hello, we understand how something like this can be frustrating. Currently B9's algorithm recalculates your advance limit every 14 days. All repayment of our B9 Advance is explained before accepting Terms & Conditions and on our website https://tinyurl.com/2p8r8mkj but we apologize for any confusion. Usually, B9 Advances started with small amount and grew until $500 after few payment cycles, also keep in mind that for B9 Advance amount switched DD amount is the most important part. B9's algorithm recalculates your advance limit every 14 days. We require a min of $300 p/direct deposit or min $600/m to qualify for an advance, and it needs to be recurring. We encourage our members to deposit their entire recurring paycheck into B9 account to unlock up to $500 advance. Many of our customers get up to $30 even before their deposit is credited into their B9 account. Please write to us once again to support@bnine.com so that we can look into this again in hopes of improving your experience.

Do Not Use This App!!!

This has to be the worst app designed by incompetent people. Too many issues to list them all but to highlight one big one. They list out the steps to get an advance. They conclude it with on payday, they will debit the advance from your direct deposit and you can then request another advance. If this was the case, that would be fine. Seems consistent with others who promote similar apps. HOWEVER, what they fail to mention, and yes, it’s written, hidden in some long paragraph on their terms and conditions, is that any deposit that hits the account…ANY DEPOSIT, will trigger the advance to be repaid. For example, if a merchant is crediting back an item to your card for a return, it will trigger the advance to be repaid. I have a $180 advance. At the time, I had a $50 balance in the account. I had a return credit for a return of an item after Christmas of $100 hit and it triggered a payback of my $180 advance which left me a negative balance and therefore ineligible to receive another advance due to the negative balance. I thought the whole point of direct deposit was to ensure payback of advance on payday as they state. Customer Service is the worst too. Might as well be talking to a wall. Stay away from this app. Learn from my mistake.

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greentwjr

3 years ago

Response from developer

Hello, we're sorry to hear that! We've helped thousands of our members to break free of financial stress. B9 always provide an Advance of up to our members when they keep their direct deposit connected, and their recurring deposit is credited into their B9 Account. Your advance limit will grow faster when you increase your direct deposit in your B9 Account. B9's algorithm recalculates your advance limit every 14 days. We require a min of $300 p/direct deposit or min $600/m to qualify for an advance, and it needs to be recurring. We encourage our members to deposit their entire recurring paycheck into B9 account to unlock up to $500 advance. Many of our customers get up to $30 even before their deposit is credited into their B9 account. Please get in touch with our support via an in-app chat or support@bnine.com and talk to us! We want you back!

Misleading advertisements

This app is everything but what it says it is. No matter how much you deposit into your account they will determine your advance payment amount (it will not exceed $150). Support responds rather quickly but are not very helpful. If you do use the advance payment they will automatically take what you owe whenever funds become available n your account instead of using the date that you specified in which will cause other scheduled paymentstobelateor not get paid if you don’t have enough extra in your account to cover it. All around setup to benefit their company at your expense because they charge you for this imaginary service. This was a great idea for mobile financing if it actually worked as advertised but it is not even close. Save yourself some Time, money, and frustration and go with MoneyLion, Dave’s, or GO2Bank. All of these actually work like they should and are overall going to be a better experience. Why is it so difficult to just do what you say your going to instead of using the old bait and switch. Don’t fall into their trap of lies like I did and take my advice….STAY FAR AWAY FROM THIS SHADY APP!!!

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Patron865

3 years ago

Response from developer

We're sorry to hear you feel that way! We've helped thousands of our members to break free of financial stress. B9 always provide an Advance of up to our members when they keep their direct deposit connected, and their recurring deposit is credited into their B9 Account. Your advance limit will grow faster when you increase your direct deposit in your B9 Account. B9's algorithm recalculates your advance limit every 14 days. We require a min of $300 p/direct deposit or min $600/m to qualify for an advance, and it needs to be recurring. We encourage our members to deposit their entire recurring paycheck into B9 account to unlock up to $500 advance. Many of our customers get up to $30 even before their deposit is credited into their B9 account. Please get in touch with our support via an in-app chat or support@bnine.com and talk to us! We want to improve your experience.

Inconsistent and Not Willing to Help The Customer

$100 deposited in one week received $30 advance. Next week same thing, but paid back the $30 and received $60 advance which put me at $130. Following week deposited $100 and paid back the $60 advance but only received $40 and a $40 advance.

Was told that it’s based off my usage, deposit and the way I spend my money. Last time I checked I can spend it however I want too.

Last time using this app, it’s better to use Earnin where they are consistent with what you deposit and what they give to you every week.

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UpsetB9Customer

3 years ago

Super convenient

B9 is really patient when you have unexpected emergencies with paying back and they will work with you on your repayment date for the advance. They have great customer service and I really like my account with them. I would recommend possibly adding a savings account to the app so we can have a full fledged bank account.

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officialbmatteo768

3 years ago

Credit check required to use this app

This app ask for your SSN so that it can perform a soft pull of your credit and if you don’t have great credit score, they deny you an opportunity to try to use the app. I also see that this app targets people that are either not US citizens or people that are migrant workers without all of their necessary documentation or proof of residency. If you have a poor credit score do not bother downloading or trying this app. Choose a credit union. Credit unions will allow you to borrow sometimes up to two days early.

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iwassounhappywiththisBSApp