# Cash Advance – TSAIP Loan App — user reviews > 51 indexed App Store user reviews of Cash Advance by TSAIP OOO, rated 4.42/5 from 7,205 ratings. - Source: https://appshunter.io/ios/app/cash-advance-tsaip-loan-app/id1492828465/reviews - App overview in markdown: https://appshunter.io/ios/app/cash-advance-tsaip-loan-app/id1492828465.md - Rating breakdown: 5★ 5,886 · 4★ 263 · 3★ 113 · 2★ 73 · 1★ 870 ## What do users think of Cash Advance? Overall sentiment: mixed **Pros** - 🚀 Fast and easy loan application process - 💰 Provides quick access to emergency funds - 👍 Flexible repayment options - 🤝 Excellent customer service - 📈 Helps build credit history **Cons** - ⚠️ Concerns about lender legitimacy - 🔒 Security and privacy issues with personal information - 💳 High interest rates and fees - 🚫 Difficulty cancelling or stopping recurring charges **Commonly reported bugs** - Inconsistent app performance and functionality - Loan application process issues and errors **Most requested features** - More transparency about lender partners - Improved vetting process for lenders - Option to build credit without loans ## Newest reviews (14 of 51) ### 5/5 — This app is sooo amazing *2022-03-25, version 1.19* Urgently needed money for a minor operation. Since there was nothing left in the closures, and it was still necessary to wait for the salary, I decided to use the service. I registered here and chose a financial institution that provided instant payday loans on favorable terms. My opinion is this loan app is a real find, as it will help even when banks refuse. The registration procedure passes quickly; the money goes to the card. Huge time savings since you don't have to run anywhere. I will continue to use it. ### 5/5 — Unbelievable *2022-03-21, version 1.19* Just yesterday, I took a loan here. Like to me, normal service. There are many options for microfinance, and conditions are beneficial in general. The interest rate is very low. The application was reviewed and approved within a couple of hours; the money was transferred to the card without any problems. Convenient and useful loan app, you can quickly and without unnecessary red tape take a loan. A good interest rate, conditions are worthy of attention. Great interface. I use the cash advance app with pleasure. In addition, it is not difficult to issue a loan here. ### 5/5 — Good app *2022-03-21, version 1.19* I didn't like payday loans before, but if you think like me, read my review! It is the only way to get extra money if you have bad credit. Even if you have good credit, a payday loan is the fastest way to get cash when you are in desperate need. And I don't say, you should ask for a loan every month. No! But if you from time to time need some cash, you can use such a service and overcome all financial difficulties in a few clicks. I'm really satisfied ☺️ ### 5/5 — Good idea *2022-03-21, version 1.19* My mom applied for a small money loan here and I want to say thank you to myself. I was in another city and there was no connection with me. But mom had a difficult situation with money. She needed to pay for medical bills and she didn't have enough money. Usually, I help her, but now she wasn't able to contact me. So, she found this app and applied for a loan here. I have already repaid it and now want to say thank you! Thank you for supporting my dear mom when I wasn't able to do that. ### 5/5 — Can't recommend it enough really! *2022-03-18, version 1.19* Hi, I’m going to lie I thought this app was a fraud and now I’m sure it’s not. I was skeptical like any human being would be especially giving out routing n account number to verify your bank account but I did it , thank god every thing went well I was only approved for 50$ and was upset but I paid it off in installments just cause I have bad credit they report to the top 3 credit agencies, which is a plus for me but anywho I applied again for a 200$ loan and got approved so thanks TSAIP AGAIN ### 5/5 — I love it *2022-03-18, version 1.19* I switched over from another relatively new banking app, which was absorbed into another bank. That complicated process inspired me to search for another, easier banking alternative. I’d read great reviews about TSAIP, particularly about the ease of use and the interest, compared to what other banks offer. I received a debit card that is linked to my checking account and haven’t had any issues using it or withdrawing at atm’s. I intend on using TSAIP as my primary bank. So far, so good . ### 5/5 — It's great to find the most valuable items I have *2022-03-18, version 1.19* I switched over from another relatively new banking app, which was absorbed into another bank. That complicated process inspired me to search for another, easier banking alternative. I’d read great reviews about TSAIP, particularly about the ease of use and the interest, compared to what other banks offer. I received a debit card that is linked to my checking account and haven’t had any issues using it or withdrawing at atm’s. I intend on using TSAIP as my primary bank. So far, so good ?. ### 5/5 — I'm very supportive of the developer *2022-03-18, version 1.19* I originally came across TSAIP when I was in a really tight spot with an unexpected bill. I thought I was really making a mistake with the loan at first. I can happily say though that my credit score has now gone up over 70 points in the last 3 months! The flexible payment dates is a really nice bonus too. Yes, the APR is high but I have found it has been a good solution for me as I build up my credit. I am on loan two, now mainly for the credit builder side of things. ### 5/5 — It's really wonderful *2022-03-18, version 1.19* So far so good! Have not ran in to anything I would truly complain about yet! I’d recommend as like a secondary “spending account” I add 10%of my paycheck via direct deposit I started with a $50 advance credit line and it says with TSAIP direct deposit that amount goes to up to $200 after a few eligibility criteria are met, I just started my direct deposit and have not become eligible for the higher credit line yet but will update to inform others as soon as I do!!! ### 5/5 — Like *2022-03-10, version 1.19* I very rarely write reviews, but for this app I’m going to make an exception. I’ve been searching for a budgeting and savings app for a while now, and I’ve tried competitors like mint and even gave a couple paid offerings a shot. Honestly, this app is far better than the competition. It includes all the same features you’ve come to expect in a budgeting app such as financial advice and linking accounts, but it does it better. One good example of its superior customer experience is the feature to add and remove specific accounts from your financial institution (For instance, if you have a savings account connected to your chase checking account that you’ve never touched, it’s not going to be around to irritate you and take up space.) This app even lets you link your investment institutions and lets you see how your securities are doing right in the app! My only gripe is that for whatever reason I’m having trouble connecting my Robinhood account. If anyone from customer service sees this review, I’d be very grateful for some assistance. : ) ### 5/5 — Highly recommended *2022-03-10, version 1.19* I’m someone who travels a lot for my job, so my car takes some abuse. When my car broke down a few months ago, I applied for a loan using this app. I was surprised to receive fast and courteous service and got the money I needed the very next morning. I have told everyone since then to look up to this app whenever they are in a crunch. 2 days ago, I applied for another loan again because I know the money I needed, will be in my bank account in few hours. This app enables me to borrow money without any useless rules such as what banks usually asked for. It is always a win-win situation for me because I have been taking help for my business with them; I can honestly say that I have never received anything but the best of service from this app. They always show excellent customer service, which makes it one of the best payday app on here! I do not bother to look anywhere else whenever I find myself in need of additional funds. The funds are deposited when they say that it will be, and I have never had a reason to doubt them. This is the best loan app I’ve seen and since I'm a returning customer, the process becomes a lot easier because I don't have to be pre-approved! ### 5/5 — Awesome *2022-03-10, version 1.19* I downloaded this app thinking whatever, it’s not legit…but decided to go thru the process since it only really needed the last 4 of the ssn. I decided to fill out the info. I would never recommend these for long term use. I decided to get something I can pay off in 30-40 days tops. Interest on these are ridiculous…they will even tell you it’s not a good idea to pay those payments. I decided to call them before I signed off on the documents to be sure if I paid off in 30 days that the finance charges won’t be what the loan states. I was told the exact amount if paid in 30 days which didn’t add much to the original loan I say give your self about 8.9% of interest which isn’t bad. So I decided to go thru with it over the phone and they stated that I can get sand day delivery by end up business. Man this thing go into my account around 8pm the same day I have to say it’s legit. But just pay it off fast don’t make those terrible mistakes of paying 738% interest. You’re welcome. ### 5/5 — Hardly ever write reviews but… *2021-09-21, version 1.15* I downloaded this app thinking whatever, it’s not legit…but decided to go thru the process since it only really needed the last 4 of the ssn. I decided to fill out the info. I would never recommend these for long term use. I decided to get something I can pay off in 30-40 days tops. Interest on these are ridiculous…they will even tell you it’s not a good idea to pay those payments. I decided to call them before I signed off on the documents to be sure if I paid off in 30 days that the finance charges won’t be what the loan states. I was told the exact amount if paid in 30 days which didn’t add much to the original loan I say give your self about 8.9% of interest which isn’t bad. So I decided to go thru with it over the phone and they stated that I can get sand day delivery by end up business. Man this thing go into my account around 8pm the same day I have to say it’s legit. But just pay it off fast don’t make those terrible mistakes of paying 738% interest. You’re welcome. ### 5/5 — Tsaip Me! *2021-08-21, version 1.14* I really enjoyed having one place to look at my finances in an app like Tsaip. I can track my spending on different cards and it works to my advantage since I hold almost 7-8 card accounts. I don’t see my accounts shrinking anytime soon so I always use Tsaip to see where I stand financially on a day/ weekly basis. I can linked cards like chime, TD, Chase, Citi, CapOne, CreditOne and I get to see where I can cut back on my expenses and continue to save more of my net income. I hope the features for investment improve to allow new digital coin tracking (Even if the coin hasn’t exploded). One feature I do wish this app had was Uber Debit card link. I would totally add my card ASAP. To the Tsaip team, thanks for helping me stay on task! ## Most critical reviews (10 lowest-rated) ### 1/5 — Fake Company *2023-02-06, version 1.23* Was instantly approved and they immediately sold my phone number because of all the scam & spam texts I got relating to a loan. I was curious about this app because of the oddly high reviews for this type of app and it’s apparent that they are paid. Not only this, immediately after getting approved, they lined me up with Bright Lending. After looking through the terms of use, it was appalling. They straight up said that they will in fact sell all your info and there is nothing to do about it. You can’t request to not do so. After more research, found out they are in fact a predatory company. So, find a different app. This is a sheep in wolves clothing, and the fake reviews makes this that much more insulting Earnin is actually pretty good, doesn’t go out to other institutions and does not have any fees, except a tip or fast cash option. I was looking for another similar app but desperately need more money cause of an emergency situation and it’s honestly sad to see people take advantage of you. Should have stuck to my gut and shouldn’t have downloaded it once I saw the god awful bear that they have for their logo. Learned my lesson. ### 1/5 — Check the lender first! *2022-10-08, version 1.22* This app should really be more thorough with checking the lenders reviews before partnering with. I had a $200 loan, and my account keeps being charged $88 every 2 weeks by the lender who claims it’s for a subscription and not even for the loan! They’ve taken over $500 at this point, and pressure you into signing the contract fast over the phone with them so you don’t read the full thing! And the person who walks you through it on the phone never uses the word subscription and presents the biweekly payments as a payment towards the loan- when it’s not. I can’t even sign in from the lenders website, they provided no login info and in order to sign up you must automatically provide your card information. Total scam and rip off, and now the lender is saying I must pay them $288 for them to stop charging me. Ridiculous! ### 1/5 — DO NOT USE!!! *2021-10-21, version 1.15* I never leave actual reviews unless a product or service is so terrible that I feel others need to be warned about it. There technically isn’t anything wrong with this app itself, and potentially this could be a very useful tool to search for loans without all of the headache. The problem with this app is that just about EVERY loan providing company they try to connect you with are complete scams. Luckily I never ending up going through with a loan from any of the providers because I read reviews, but I have yet to see a provider that this app suggests with a BBB score above 2 stars. Do NOT trust this app, and definitely don’t give them any of your information. Just from entering my email I am constantly bombarded with loan sharks every day trying to scam me. Whatever you do make sure to do some research about the providers they work with because from what I can tell every single one of them are complete scams and will screw you over. ### 1/5 — Kind of Sketchy *2021-05-31, version 1.13* I entered in all of my information in the app. Then it went to the Home Screen without saying anything about my application approval. I then get an email with a lender who makes me go through the same application process that looks exactly like this apps interface. I did the application again just for them to say I’m not approved. I went back to the app and no matter how many times I enter my info again for another application, it gives me an error that says link has expired. I’m going to unsubscribe to the lender emails I have gotten so far and Uninstall this sketchy app. There is no point to continue to enter my info again for 30 minutes in a row to just get an error message without any notification about my application. I will be using Possible instead. ### 1/5 — Do not trust their lenders *2021-03-16, version 1.11* While they may not be responsible for their lenders behavior, they do state they find “safe and secure” lenders. That can be widely interrupted as my recommendation was a loan from a Native American tribe that did not have to follow any US regulations only tribal law. Luckily, like a good Englishman I read the contract in detail and found that I would be paying up to 16k on a $100 short personal loan. Also, luckily I did not fill their paper work out right so they can’t pull any more shenanigans and I was able to cancel it even though they won’t stop calling me about how they want to “help” me. This is just a referral service that doesn’t even look at their lenders or if they are under American Law. Now, I get about 30 messages a day for loans I no longer need yet they still keep asking, I wonder why? I was able to suffer through two days of not eating so that I would not become a slave to debt. I got lucky but stay away! There are way better sites, don’t be like me and do your research. ### 1/5 — Really skeptical *2021-03-04, version 1.10* So I saw a bunch of 5 Star reviews and decided to trust it like the idiot I am 😂 I did the process but I was a bit sketchy. My app would time out or take forever to load after putting my information in. I could never finish the process straight through for like 30 minutes. Now I have at least 15 emails a day from different people telling me my $500 loan, my $2000 loan is waiting for me and to click the link. Supposedly different companies but same email formats. I’m getting a bunch of texts too. Idk if this is how it’s supposed to work, but I’m scared for the security of my Personal information. If you guys need money or assistance, pls try an account with Possible. Possible loans helps to build your credit while getting you the money you need. And they’re trustworthy. ### 1/5 — DO NOT DOWNLOAD *2020-08-20, version 1.6* DONT WASTE YOUR TIME. After entering in all of your information it takes you to a select group of “Lenders” that match your profile. You then repeat that same application process over and over and over and over and over again, only to have the pages go back to the original home screen. You then receive constant emails from from other fake lending sites. All prompting you to “finish your request”. If you follow the link it takes you tooo..you guessed it lol another fake site. I’m sure most of these “good” reviews are as fake as their “services”. Now my information is in the hands of God knows who. I wasn’t expecting this app to give me a loan, but to lead me to a legit lender. Instead, all it gave me was spam mail. Trash. ### 1/5 — Scam, don’t give them your info!!! *2020-03-17, version 1.1* This app does not give you loans. If you live in certain states, they cannot give you loans anyways, but they don’t state that until they have all your info. I filled out multiple forms for multiple sites but they would just refresh or say they couldn’t give a loan without paying for some subscription. The sites then sold my information and I get 8+ scam phone calls every day now. People in other countries have tried to hack into my email and I constantly get bombarded with emails. There is no BBB rating, and they are not truthful. PLEASE do not give them your information, especially social security! If you fill out a form don’t use passwords you use anywhere else. This is extremely risky and not worth it, no matter how desperate you are. ### 5/5 — Best Recommended App to recover your lost and stolen funds!! *2023-08-30* I was impatient to carry out necessary research but I really wanted to jump on the crypto trading and investment buzz. Unfortunately for me, I invested 75,700 USD worth of bitcoin with a fraudulent company. I was happy to watch my account grow to 214,575 USD within a couple of weeks. But I didn't realize I was dealing with a scam company, until I tried to make an attempt to withdraw. I made a withdrawal request, and noticed my account was suddenly blocked for no apparent reason. I tried contacting customer support, but all to no avail. I needed my money back at all cost, because I could not afford to let it go. So I tried all possible means to make sure I recovered my scammed bitcoin. I did a lot of online search for help, and tried to see if there were other people who had any similar experience. I stumbled upon a cryptocurrency forum were a couple of people mentioned that they had been through the same process but were able to recover their lost cryptography funds with the help of RemotePundit So I file a report on RemotePundit @ Gmail and he was able to help me get back all my lost funds withing 2 weeks I feel indebted to him. Apart from trying to express my gratitude to them once again using this medium, I will recommend anybody who wants to recover scammed bitcoin, stolen cryptocurrency, funds lost to binary options forex, investment and any other form of online scam to reach out to RemotePundit (at) gmail ### 5/5 — Life saving *2022-10-15, version 1.22* In a span of less than 20 minutes on a SATURDAY (non-business day)… I downloaded the app, filled in my information, immediately received a call from a rep, provided a few financial details, got approved and received my funds. This took literally 20 minutes. I am beyond thankful and relieved that I was able to receive the extra funds. I was not prompted or paid to submit this review. I literally had no idea how I was going to get extra money and this app helped me out so fast. ## Most praised reviews (8 highest-rated) ### 5/5 — I guess will use it for a long time *2022-05-06, version 1.20* I was so impressed how quickly the funds were in my bank account. My father put alll his effort into finding an alternative way for this case and eventually he found this app. I applied for a small loan and receive it the next day. Its good for business and other investment. For now i rate them 5* in near future you will see my comment and recommendation whether you should go for it or not. I would recommend this company to anyone. ### 5/5 — Design very well *2022-05-06, version 1.20* A couple of times took loans from the bank, a lot of trouble, a lot of documents. I accidentally found out about a loan online, the same loan, only much easier. Sitting at home you get the money. There are several credit organizations in the application, you can submit an application to everything, and then choose where the conditions are better if approved of course. But most often approve. Registration is easy and money comes quickly. ### 5/5 — 5 stars *2022-04-21, version 1.20* Many variables must be considered while applying for a loan. For people who are required to attend banks, an online loan is a fantastic option. I'm 19 years old, and when I need money, the bank doesn't even look at my applications; instead, they accept me online right away. Because the interest rate is acceptable, it is feasible to repay ahead of time. For clients, extremely convenient conditions, I used the internet loan several times and never failed. ### 5/5 — Best of Its Kind *2022-04-13, version 1.20* Hello and good afternoon! This app, which I recently discovered, has proven to be really useful at trying times. I truly wish the app's creators happiness, health, and children (children are flowers of life). You understand that the program greatly aided me during difficult times in my not-so-easy existence. And you grasp it so quickly. And you realize the most important thing is that with such cheap interest rates and MY SALARY, I was able to pay everything on time. In general, I bow to you and pray that God bless you and your children. ### 5/5 — My favorite app *2022-03-30, version 1.19* This app is hands down the best thing ever! Not only is the set up super easy, but you're given tons of opportunities/to win points as quick as possible. The best part, Klover doesnt decide how much money you can borrow or make you wait a certain amount of time to increase your borrow amount. All you have to do is complete tasks to earn points and the more points you earn, the more higher amounts you're given to choose from. I give Klover a 8/10. ### 5/5 — Fantastic!!! *2022-03-30, version 1.19* Firstly, as a person who has a long-standing consistent direct deposit history with a relatively high-earning occupation, the most I have ever qualified for is $45 off the bat. If I factor in the “points system” (which I have mixed good and bad feelings about), the maximum has been $70. This is typically during a week where I work many days in a row and allow my location services to be on at all times with this app. During weeks of paid vacation, I’ve seen this drop down to $10 (LOL) I regularly log into upload receipts, as I use several receipt tracking apps for points. NEVER have I seen anywhere near the $130 advertised all over the place. The interface/design of the app is lovely & modern. The “instant” boost costs $9 and is processed the following business day if requested after 10:30AM CST (rendering the “instant” perk virtually useless and an unnecessary $9 fee (which is also by far the highest “instant” fee among its competitors). When I add up all these irritating obstacles and shortcomings, I find myself using this particular app among the last if I find myself in a pinch in need of cash, as I know the reality is I may receive $25 in like five business days in most scenarios. Typically, my cash flow situation is solved by then, rendering this app more tedious and useless. FYI, apps like Solo, Branch, MoneyLion, Brigit, and even FloatMe have actual “Instant” perks which cost half are literally instant. ### 5/5 — Still loving it! *2022-03-30, version 1.19* Honest opinions about the app are that I love it! Klover’s entire process was easy to understand and use. Being a college student I sometimes find myself stuck in a bind to pay bills, pay for food or gas. But thankfully I was able to get out of that due to this app. The process works by setting up an account and connecting your information to the account. For me it took less than 5 minutes but it says it could take anywhere from 24-48 hours to verify your account. Once verified, you’re brought to their main home page where you can complete tasks to gain points. As you collect more points you then can use those to redeem a boost. The more points you earn the more you will be able to pull out. Once you’ve reached the points you need to pull out a cash advance, you can proceed to transfer the funds to your bank. You’re given options such as your next payday, tips, and whether you want it instantly for a small fee or for it to take a couple business days with no fee. Overall this app is easy to understand and I recommend it to all my friends who are stuck in a bind or just need a little extra. ### 5/5 — Really love it! *2022-03-30, version 1.19* There are still some major kinks in the app (video ads saying there's no ads available and you click it a couple of more times and you should be able to watch ads again. Then a couple of ads will play in a row and then it's back to no ads available.) Customer support has been amazing though. They are pretty quick to respond and get it fixed as soon as they can. When the major kinks are out of the app, I will definitely give 5 stars for the app! You guys are a life saver for me as a single mom! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*