Instant Financial Reviews: Is It Legit?

Instant Financial
Instant Financial
Instant Financial Inc.

Customer Experience

Positive experience11.3% of reviews
Neutral4.6% of reviews
Negative experience84.2% of reviews

~ Based on 240 written reviews from the US App Store.

What users say about Instant Financial

Is Instant Financial Safe?

Instant Financial appears safe based on user ratings. AppsHunter Safety Score for Instant Financial is 89/100.

This assessment is based on 10,073 user ratings, with an App Store average of 4.5/5.

Safety Analysis

88.0% of ratings point to a safe experience
2.8% of ratings suggest some concerns
9.2% of ratings point to a risky experience

~ Based on 10,066 App Store ratings for Instant Financial.

Is Instant Financial Legit?

Instant Financial appears to be a legitimate app. AppsHunter Legitimacy Score for Instant Financial is 93/100.

Based on 93 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

WORST APP EVER!!!!!!!!

I hate that I can’t give this app 0 stars!!!!! Nothing ever works.. they tell me how much of my own money I can withdraw… the wallet card gets declined since day one.. allied universal you are so cheap you played all your employees with this dumb useless app ugh my first review ever in life I’m so disgusted
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Scam

Do not use this app they will get you dependent on receiving their instant pay and will experience issues randomly where your pay won’t show and you won’t get it when you need it most. They’ve lost me forever as a customer and I’m going to let everyone know how fraudulent they are.

Unenroll

This financial institution third-party service has given me quite a bit of trouble. I do not want to use the service and they won’t disenroll me. They say that I’m disenrolled in my payroll account still shows so my money is in the air right now and I’m very very unhappy with this app it hasn’t done anything but set me back.
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Needs updated

This app needs updated. It is such a pain to have to verify your email EVERYTIME you log in. I need to see and transfer my money easily.

Bad company to receive

It the worst how you only give someone 24 hrs to collect their half pay but forget not everyone works just 1 job

Trash app

This is a trash app. I just got paid midnight and now it’s 1:12 PM and I still can’t get a verification code sent to my email. It’s my birthday and I can’t even see my check bc the app is claiming it sent me a verification code via email but yet there’s nothing in my email shame I’m deleting this app once I get my verification code
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The worst

I really wish the company I worked for didn’t use this financial branch for my tips. They charge you for instant transfers or you must wait for your money. The card itself DOES NOT work at many places the pin I was given says incorrect every time. And I can’t add my bank card because it shows an “error” when entering the number no matter how many times I do it. STAY AWAY IF YOU CAN!
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Garbage

Hot steaming pile of garbage on a late July afternoon. Instant pay only if you pay, other wise you’re waiting days like a chump on the side of the road eager for your spare change. I was better off waiting for my direct deposit. Stay away from instant scam.

Terrible app

Payday scam…. Just penny and nickeling off every check. No early pay and takes the rest your paycheck regardless.

Trash. Dont waste your time.

This service is genuine garbage. My company used to have DailyPay which did exactly what these apps advertise they do, it was great in a pinch. I’ll never understand why the switch was made but Instant existing in this realm has been nothing but a headache. They say you get access to half your earnings the day after you work which is a flat out lie. Since joining Instant, I’m lucky if my money drops into the account after a shift once in a week. Nope, my whole paycheck gets dumped into the app once a week. To add, now I’m getting paid a day after I used to for each paycheck. Pointless middle man. I signed up incase of needing quick access for any reason and that hasn’t been an option. I will be switching my direct deposit back to my bank immediately.
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Worst app ever

This company is holding my paycheck and I need my money. It’s been over a week since I signed up with this app but they still haven’t offered me no instant pay and I normally receive my paycheck 2 days earlier they saying I to wait to Friday to get the paycheck. Yet this is an instant pay after a shift but they have my whole paycheck and don’t even offer me nothing. If you are in hard times please don’t fall for the scam just use your regular bank this is a waste of time. You guys are evil for this
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Phony and useless

Wish I could give this negative stars. Steer away from this app by any means necessary

Already having trouble

Signed up and every time I click order a card it’s an infinite loading screen, this app is already broken… and I’m already regretting downloading.

Now I’m stuck on hold for 30 minutes…

Do not let employers tell you this is a positive when working with them it’s completely useless and now money is locked away because they can’t make a functioning app.

And why do I have to get a code from my email every time I log in??
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Sketchy AF

Good luck

Nothing but bad experiences

Using this app and system has been outrageously difficult from start to finish. The app constantly links me to webpages that have errors. The customer service chat option is tedious the filter through it often Freezes and goes nowhere. My physical card came in the mail and I activated it however, when I got paid suddenly it just was no longer activated. I am stuck relying on the virtual card now because I can’t wait for the new physical card to come in the mail because the app suddenly decided it just didn’t wanna have that activate. While trying to simply use any means possible to get my money out of this app, my card suddenly freezes, and is in a blocked state. Support tells me I need my account and routing information, but the app does not have that listed anywhere and so I’m unable to unfreeze my account that was suddenly locked for no reason other than me wanting to get my funds out of this garbage app. I’ve already set up my direct deposit for a different institution, and I cannot wait for the moment that it activates and switches over. I advise everybody to steer as far clear of this app as possible. The only reason I even downloaded and used it was because I wanted to get half of my paycheck for the previous day. However, the job I work Work doesn’t use a time clock so I can’t even that perk within the app. There’s no reason to even use this app and it has done nothing but bring me headache headaches.
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No reply

I called them to verify my address, my email, etc, they said they’d call me and confirm in 24-48 hours and still haven’t. UNTRUSTWORTHY AND UNRELIABLE!

Worst app

I don’t know why my employer switched from daily pay crazy fees just to get my check you can’t “instantly “ access your money after a shift like daily pay I hate this app

Bad experience

I did big mistake when I enroll with instant I changed my mind and I did try to stop and cancel enrollment oh my God, horrible customer service the app it piece of junk. I’ve been struggling since last week. just try to stop and enrollment. The app is not helpful and even when I contact them. it’s disgusting. Don’t even try. and waste your time.
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If I can give no stars I Would

It’s such a scam they steal more money from your check then what they say they do I’ve been trying to cancel and go back to direct deposit for a month now with out accepting any “offers” and every time it says I owe a balance after speaking with their terrible customer service rep they told me I had a outstanding balance of $$$ and to wait till my check came the next day so it can repay it I did and now there’s another outstanding balance it’s almost like you need to pay a fee to stop using them DO NOT RECOMMEND
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Worst app ever !!!

Daily pay was way better I don’t know why we had to be apart of this change. Support is hardly available especially when something goes wrong. Money goes missing and can’t find out why and pops up days later. Last time they over drafted my card out of no where no explanation why?! And then stated couldn’t recieve daily pay for 2 days.
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