# Earnifi: Early Pay. Fast Money — user reviews > 169 indexed App Store user reviews of Earnifi by D5Cash Inc, rated 4.50/5 from 2,750 ratings. - Source: https://appshunter.io/ios/app/earnifi-early-pay-fast-money/id6739185971/reviews - App overview in markdown: https://appshunter.io/ios/app/earnifi-early-pay-fast-money/id6739185971.md - Rating breakdown: 5★ 2,248 · 4★ 123 · 3★ 64 · 2★ 38 · 1★ 277 ## What do users think of Earnifi? Overall sentiment: mixed **Pros** - 👍 Smooth interface - 🚀 Instant cash advances - 💡 Helpful for students and renters - 🚀 User-friendly app - 💡 Practical and useful features **Cons** - 🐛 Bugs and glitches - 🔒 Accessibility issues for certain users - 🐛 Unreliable cash advances **Commonly reported bugs** - Unable to sign up due to previous balance issues - Instant advance feature not working as expected **Most requested features** - Expand availability to more states - Improve customer support response time ## Newest reviews (17 of 169) ### 2/5 — Why take the fee out of the advance?? *2026-08-21, version 1.0.29* It makes absolutely no sense to take out the $15 fee from the advance that I qualified for. What sense does that make? Other cash advance apps do not do this. You should highly consider changing this. If you don’t consider changing it, I’m pretty sure there’s going to be a lot of people that will not use your services. Me being included.. now I have to pay extra when in reality I did not get the advance that I qualified for because of the $15 fee. Not good. ### 2/5 — Very Displeased *2026-08-14* I am writing to submit a formal complaint regarding the unprofessional communication I experienced during a recent interaction with a customer service representative named Bill. I initially reached out for assistance because I was unable to secure a new advance after successfully repaying a $75 advance on my account, which I have maintained since March. Bill informed me that a duplicate account associated with a different phone number was causing a "possible fraud" flag. I was unaware that the secondary account would cause any issues and immediately cooperated by deleting it to restore my original account. My complaint concerns Bill's communication after the issue was resolved. He stated, “Yes, please do not create multiple accounts.” I found this phrasing to be inappropriately reprimanding, especially since I had already explained that I did not know the other account would cause a conflict. I was seeking help to resolve an error, not intentionally attempting to violate policy. While I understand and respect the single-account requirement, there is a distinct difference between informing a customer of a policy and speaking to them in an accusatory tone. This interaction added to an already frustrating experience, during which I received conflicting messages regarding whether my advance was available before the issue was finally resolved and my $80 offer became available. While I am glad the technical issue was resolved, the communication should have been handled with more professionalism and understanding. I request that this interaction be reviewed and that appropriate feedback be provided to the representative. I look forward to receiving a response from a supervisor regarding this matter. Sincerely, Amanda Morales ### 2/5 — Rip off *2026-08-14, version 1.0.28* Got approved for an advance about 3 times. Paid all back on time with yesterday being the last pay off. Tried to see what my advance was today and now it says im being waitlisted. Canceled subscription and deleted account. ### 3/5 — Not really too excited about it. *2026-08-13, version 1.0.28* Got approved for $30. Okay, not a big deal, it helped so much. I was only sent $14 though and I still have to pay back the whole $30. Not sure if the rest were fees or whatever. I was thinking that maybe I was able to use some then and the rest later, but it shows that the whole payback was $30 and nothing besides that $14 was sent to me directly. But paying back more than I was able to use doesn’t make much sense. However, although this was my experience, I was still able to be approved and was still able to have something sent to my bank. So it isn’t a fake app, I just don’t get having to pay back more than I was actually sent. As if I am paying interest or something. If I got approved for an amount, I, like anyone else, would expect to be sent that amount. Again, give it a try if you wish, amounts vary by person and situation. Just letting it be known what happened to me, I am not trying to stop anyone from taking a chance. ### 2/5 — Meh *2026-08-11, version 1.0.28* Beginning amount is lame. And only increases instantly by adding employer so if yours isn’t on list you don’t get it. ### 2/5 — Needs more improvement *2026-08-06, version 1.0.28* keeps denying me for some reason ### 1/5 — Stopped Syncing *2026-07-30, version 1.0.27* The first cash advance about a month ago went extremely smoothly but now that I am trying to request another one it is in a constant loop of “verify identification”. I’ve tried resetting the app, and even deleting my profile as a whole, it simply doesn’t want to work for me anymore. ### 1/5 — Terrible service *2026-07-19, version 1.0.27* The app is terrible always loading and never works ### 1/5 — Do NOT Recommend!! *2026-07-15, version 1.0.27* Cancelled membership and was continued to be billed. Contacted support and they refused to refund me! I would not recommend!!! ### 1/5 — Fraud *2026-07-15, version 1.0.27* Stay away the app is garbage and there is no support ### 1/5 — Password *2026-07-14, version 1.0.27* Can’t reset my password and excess my money ### 1/5 — Funds taking to long *2026-07-11, version 1.0.27* I been req an advance and haven’t gotten anything this is my second day waiting and nothing ### 1/5 — This app is scam *2026-07-10, version 1.0.27* I applied said I gets $20 loan gave me $4 into my bank account thinks I’m about to pay $20 back to them no sir. ### 3/5 — Approved then not accepted *2026-07-07, version 1.0.27* 3 stars because at first everything was going pretty good, I gotten approved 2x. Then when I paid my second one back they’re saying that I am not eligible for payday advance anymore. ### 1/5 — Horrible *2026-06-25, version 1.0.26* This app is a complete scam. They are charging me $23 for a $7 advance ### 1/5 — Charged after cancellation *2026-06-22, version 1.0.26* I was charged a subscription fee after I had cancelled the service and closed my account. ### 1/5 — No support *2026-06-18, version 1.0.26* Zero support. If you pay for a subscription you’ll still have to wait days after you repay your advance to get another advance. Paying for the subscription is completely useless and a waste of money. Literally no support at all! ## Most critical reviews (10 lowest-rated) ### 1/5 — Terrible *2026-09-02, version 1.0.30* I see a lawsuit in the future for this app. Even when you cancel the $15.99 subscription they continue to charge it. I had to email them several times to STOP. Paid all advanced on time last week they added a new feature that makes you add your payroll or employer if your payroll company is not listed you no longer qualify. This is the worse cash advance app I’ve ever used. No stars would be sufficient don’t even deserve one star. Horrible! ### 1/5 — Predators *2026-08-28, version 1.0.29* I accepted an advance of $20. Fine. The next screen is asking for me to input which payroll system is used or to give the form to my hr. Which is absurd! Who wants their payroll provider or hr in their private financial affairs?! Normally apps in fintech opt for plaid which is easier, discreet and secure. Then, it says there is a fee. Fine. I assumed it will be deducted later on the repay schedule, this company TAKES IT OUT OF THE PAYOUT AND OFFER THE DIFFERENCE AS A PAYOUT! How is that helpful?! That is a waste of time! I did not accept it. I will be reporting this to Apple! The CFPB was in place to prevent predatory lenders from taking advantage consumers but oligarchs… ### 1/5 — Terrible *2026-08-25, version 1.0.29* Worse App for earning would not recommend at all horrible ### 1/5 — Don’t use this app *2026-08-19, version 1.0.29* Do not use this app. They gave me 2 dollars forcing me to pay the subscription that came out of the advance. Never again. ### 1/5 — Don’t download *2026-08-19, version 1.0.28* Don’t download ### 1/5 — Waste of time *2026-08-18, version 1.0.28* Signed up doesn’t support my ado then gets stuck on one screen no way to delete or cancel they only let you call or email support ### 1/5 — Unable to get another advance *2026-08-15, version 1.0.28* I’ve gotten approved for advances and this time I made my payments on time. Try to get another loan and it just said I wasn’t eligible….like WTF! Idk what is going on but needs to be fixed ### 1/5 — App No Longer Works *2026-08-13, version 1.0.28* Reached out to customer service after receiving multiple advances in the past. The notified me I was eligible for another advance. However, their app is no longer working and they have no idea when it will again. This was communicated to me by their customer service team. ### 1/5 — Scam *2026-08-06, version 1.0.28* Keep looping “ we need to verify payroll step over and over even tho it says my account is connected ### 1/5 — Beware *2026-08-04, version 1.0.28* It keeps taking my money instead of giving me money…. You can’t get a hold to anyone! SCAM ## Most praised reviews (10 highest-rated) ### 5/5 — No *2026-08-26, version 1.0.29* Took the cash advance liars ### 5/5 — Great Support and Helpful Service *2026-08-26, version 1.0.29* Great Support and Helpful Service I had an issue with my account and reached out to support for help. Bill took the time to look into it, helped get my original account restored, and made sure my advance offer was available again. I appreciate his willingness to help and follow up with me. He also mentioned an upcoming feature that may allow for higher advances, which I’m looking forward to learning more about. Thank you for your help, ### 5/5 — Bad organization *2026-07-15, version 1.0.27* The subscription takes the advance money so I only received 5 bucks ### 5/5 — Okay *2026-05-28, version 1.0.25* Lent me 25 paid 31 ### 5/5 — Me *2026-05-25, version 1.0.25* Awesome financing opportunity ### 5/5 — Gillian *2026-04-28, version 1.0.23* Pelican Fan ### 5/5 — It worked *2026-04-28* It worked for me, I hope everyone else is able to get access ### 5/5 — . *2026-04-09, version 1.0.20* . ### 5/5 — Great Experience So Far *2026-03-23* Everything is working smoothly till now. Quick approval and simple process. ### 5/5 — Useful for Daily Needs *2026-03-23, version 1.0.17* Helps in managing small financial gaps. Easy access to cash when required. --- *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 2026-09-12.*