OneBlinc User Reviews

OneBlinc

Blincloans, LLC

Finance

Reviews Summary

Positive highlights

💸

This app hasInstant cash advances

🔍

This app hasEasy and fast application process

🔁

This app hasAbility to increase advance amount with on-time payments

🗓️

This app hasFlexible repayment date

🤝

This app hasHelpful and responsive customer service

🚀

This app hasQuick deposit of funds into bank account

💳

This app hasAccepts Chime and other popular banks

Negative highlights

❌

This app hasIssues with debit card validation and account access

❌

This app hasEmployer not supported, leading to denials

❌

This app hasInconsistent experiences, with some users reporting issues

❌

This app hasLack of transparency around advance limits and increases

❌

This app hasConcerns about account closures and loss of access

❌

This app hasFrustrating customer service experience for some users

❌

This app hasPotential for app bugs and technical difficulties

Top reviews

Most RecentHighest RatedLowest Rated

Money Advance with hiccup

I was approved within 5 minutes after linking through Plaid my bank account. I was excited because it seems the funds would be deposited today with my debit card. It won’t let me proceed though unless I pay the subscription first which is $8.99 monthly.

I’m disappointed because I have used another app that is similar and they simply added the monthly subscription to my repayment. And I was able to pay it on time.

Unfortunately I don’t have the $10 upfront. Less $5 in my bank right now. Which is terrible as from I what I read the loan advances are small starting with $50. So I’m assuming if you get $50 approved, you only receive technically $40 because upfront you already paid for the monthly subscription.

If you can afford the difference, I guess it’s worth it. Sadly I cannot access funds today.

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Nebula92

13 days ago

Trash

This so is trash they approved me once for an advance and when they got their money back. They wouldn’t even let me do another one so I deleted the app, I waited about 3 mos and re-signed up only to be denied again. I believe they check your credit because they ask for your SSN. That don’t make sense since the advances aren’t based off of creditworthiness but on your income. I’m never trying to use this app again and wouldn’t advise anyone else to.

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Inderal1

20 days ago

Response from developer

Sorry about that Inderal1. I am not sure why the app gave you this problem but what I do know is we have made a lot of changes in the last 30 days on the app and any of them could be the reason. I would like know more about your case if you could send us and email or contact us on the app we can take a 2nd look at your account. All the best, The Blinc Team

Hard to get approved not easy..

The beginning was easy, applied everything and it went great. I get paid a very comfortable amount every 2 weeks, but yet you said I don’t make enough to get approved for your loan??? I just needed a small loan due to a power outage in my town…not sure how much you need to make to a month to even get approved for this thing but I guess it’s gotta be A LOT.

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ranee123123

2 months ago

Response from developer

Thanks for your opinion ranee123123, we will continue improving our app in order to make the entire process smoother. We want to make sure our app is transparent and clear with the information provided and customer receive the answers they seek. All the best, The Blinc Team

So Far So Good

I just made the account and connected my primary bank account. The process was smooth and easy. I’ve used some other similar platforms that have very buggy apps and thankfully that wasn’t the case this time. I got the first tier advance delivered to my bank. Waiting to receive it. I’ll update my review after I receive and repay my advance.

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TopRaterr

2 months ago

Response from developer

This is what its all about. A smooth and easy process so you can get the quick help you need and get back to your day. Thank you TopRaterr All the best, The Blinc Team

Do Not Apply If You’re on Government Assistance or On A Pension

This app only helps if you have active and current employment. If you have government assistance (read a previous review from another applicant) or receive a pension, they will not approve you for a cash advance. They need an EMPLOYER they can verify so use this information before you decide to apply. (OneBlic’s response to this review won’t mean a thing because my situation won’t change).

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Granchingon

3 months ago

Response from developer

Hi Granchingon, Our app helps if you have active and current income which can be verified. We are constantly increasing the number of employers and transactions our system identifies in order to continue growing our audience. For the most part yes you are right, a cash-advance based on repayment via your employment direct deposit does need an employer. Also, yes i think our response does mean a lot considering we do go through all our applicants feedback to make sure we actively work on improvements that our audience suggests through their reviews. All the best, The Blinc Team

Awesome Company for Loan!!

I must say I love this app. My card and bank has been validated. Glad they accept Chime! Not a lot of apps do. Super plus! I love that there are tiers of loans available that grow after each month of on time payments! Super great! I love the flexibility of repayment date. I will be sure to always pay back on time. This helps during the month when the budget is tight and low! Highly recommend.

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Shan921992

6 months ago

Response from developer

We appreciate your fantastic feedback and are glad you love the flexibility! Thank you! All the best, The Blinc Team

Fast Cash

I really needed some cash before my payday to take care of a copay. It was either reschedule my appointment or borrow the money. I remembered I had the OneBlic app and requested some money. I set the amount and repayment date. The money was in my account in less than a minute!!! The process was fast and easy. I would recommend to family and friends.

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Kbeauty75

6 months ago

Response from developer

We're glad we could help you out when you needed it most, thank you for sharing your experience Kbeauty! We're happy to have you onboard.

Terry

I have been using this app for some time now and recently it won't validate my debit card even though it's the same card and I had just used it to repay my advance. I don't know what's going on with the app but hopefully it will get fixed soon.
Another than that I have been able to get advances before that happened. Have anyone else been having this issue???their customer service is a joke!!!

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Poppyseed318

7 months ago

This App Gets The Best Of People Who Pay On Time

I’ve had OneBlinc now for several months, 6+ months. I was up to $250 advanced and have always paid on time every time. All the sudden, after making my payment, my Home Screen on the app says I’m back to $50 advances. Not one late payment the whole time. I pay my bills on time. I feel like this app is getting over on people and knocking them down after so long. It happened to a coworker of mine who originally told me about this app. He had been paying on time every time for many months, up to $250 advances as well, he had had his app much longer than me and one day, his account did the exact same. He warned me that he tried to get it fixed but the customer service representative insisted they couldn’t fix it because he was late on payment when he was in fact not. Just like me, he had proof through his mobile banking and bank statements that he paid the advance on the day it was due. I feel like maybe they’re not making enough off people who are borrowing $200 and $250 amounts so they’re knocking people down to start all over after they’ve been maxed out for awhile. Well needless to say I won’t be borrowing any more from this app. I owe nothing now and will not use it again. I could see if I was actually late on a payment, but punishing people who pay their advances on time is not it. I’m very sorry, and I’m glad the advance is paid indeed, but I feel at this time borrowing more and starting over is risky.

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KWynn424

7 months ago

Response from developer

Hi KWynn424, This is not the experience we want for our customers and would like the opportunity to correct it. Please reach out to us via email and provide us with the email or phone number associated with your account so we may look into this situation promptly. Thank you

Efficient

I signed up and the whole application process was effortless and quick. I received my advance into my bank account within Oneblinc!

Be//e

8 months ago

Response from developer

We're thrilled to hear about your seamless experience with OneBlinc! It's wonderful to know that you found the application process quick and effortless. Getting your advance in such a short time is fantastic. Thank you for choosing OneBlinc!