# Panda Pay: Financial Insights — user reviews > 35 indexed App Store user reviews of Panda Pay by Radiant Union LLC, rated 4.50/5 from 501 ratings. - Source: https://appshunter.io/ios/app/panda-pay-financial-insights/id6759538366/reviews - App overview in markdown: https://appshunter.io/ios/app/panda-pay-financial-insights/id6759538366.md - Rating breakdown: 5★ 418 · 4★ 21 · 3★ 10 · 2★ 8 · 1★ 44 ## Newest reviews (17 of 35) ### 1/5 — App *2026-07-31, version 26.7.28* Haven’t had any luck of of a cash advance but yet they still charged me with a monthly fee ### 1/5 — They’re stealing your information!!! *2026-07-29, version 26.7.24* Don’t even bother signing up for this, as they demand you connect to your bank by plaid, and wait for the “system” to determine your eligibility. Connected my bank, and already telling me that I’m not ready. For anyone looking for help, please don’t bother, they use plaid!!!! ### 1/5 — Bad app *2026-07-28, version 26.7.24* Not helpful ### 1/5 — Confused *2026-07-26, version 26.7.20* While I meet all the requirements I’m never eligible for an advance and it doesn’t make sense ### 1/5 — Scam *2026-07-26, version 26.7.20* The goal is to atleast steal the first 9.99 from you and hope you forget about the subscription. This app does not pay. ### 1/5 — Don’t waste your time *2026-07-21, version 26.7.19* This app doesn’t approve you for any advance even when you have regular activity in your bank account. My feeling is that this app just wants to charge you a fee and wants your information. There are better apps than this one. ### 1/5 — Do not recommend *2026-07-20, version 26.7.19* If I could leave 0 stars I would. I have a good banking history with my bank and an income coming in every two weeks and somehow to not qualify. Seems off to me. I do not recommend. I do not understand how they have 4 starts on this app. ### 1/5 — The app doesn’t work *2026-07-18, version 26.7.16* I have used the app for maybe about a month and for some reason I don’t meet the requirements to get the cash advance. I have an active bank account. I have regular deposit from my employer. My account is not overdrafted. I was going to close my account, but they offered me another month for free so I kept my account for the last two weeks or so every other day, I would go to see if I was approved and I’m not. I really feel like this app. Just want your money for the subscription, but they don’t follow through with giving an advance. ### 1/5 — Upsetting *2026-07-18* I have tried multiple Times and have not been approved despite meeting requirements **Developer response:** We’re sorry for the repeated frustration. Meeting individual requirements does not always result in approval because eligibility is determined using several account activity factors together. We understand that this can feel unclear and disappointing. Please email support@pandapay.money with the name or email linked to your Panda Pay account so our team can review your case and provide more specific assistance. ### 1/5 — terrible *2026-07-18, version 26.7.16* been trying for weeks to get approved with stable income and paid bank connection fee. waste of time and robbed of money ### 1/5 — Terrible *2026-07-17* Fake they will deny you everytime **Developer response:** We’re sorry you had a frustrating experience. Approval is not guaranteed and is based on several account activity and eligibility factors, not just one requirement. We’d like to review your specific case and better understand what happened. Please email support@pandapay.money with the name or email linked to your Panda Pay account so our team can assist you. ### 1/5 — Time waster *2026-07-09, version 1.1.12* Don’t waste your time ### 1/5 — Waste *2026-07-05, version 1.1.10* Don’t waste your time, even with a steady income & bank account they still will deny you ### 1/5 — SCAM!! *2026-07-05, version 1.1.10* DO NOT USE ITS NOT REAL ### 1/5 — Waste of time *2026-07-04, version 1.1.10* $9.99 bank connection fee for absolutely nothing. There are no advances, they just gather data. ### 1/5 — Only wants your data *2026-07-04, version 1.1.10* No approvals so don’t waste your time ### 1/5 — Doesn’t Work! *2026-07-03, version 1.1.10* Don’t bother. You connect your bank and then agree to pay a monthly subscription fee before being told whether or not you’re eligible or approved, only to then be greeted with a notification screen that they can’t “process” your eligibility right now. No support either. Waste of time. Skip this one. ## Most critical reviews (10 lowest-rated) ### 1/5 — Upsetting *2026-08-25, version 26.8.23* I I tried reaching out to them today because I’ve been paying for their subscription for a couple months and still have not been able to take out in advance, so I reached out wondering why and they started a ticket and now my account is completely screwed up and they won’t even let me connect my bank. I would not waste your time:( ### 1/5 — Don’t download *2026-08-21, version 26.7.28* They will ask you to connect bank account and get you to subscribe just to deny the advance ### 1/5 — Can not get approved *2026-08-19, version 26.7.28* I’ve tried everyday to get approved and I keep getting the message that I don’t qualify even though I have steady income deposited into my account. They gave me a free month but I won’t be paying a subscription fee if I’m not approved. ### 1/5 — Don’t try it *2026-08-15, version 26.7.28* This app is a trash ### 1/5 — Not good *2026-08-11, version 26.7.28* Y’all suck never got a loan ### 1/5 — Fake *2026-08-10, version 26.7.28* Like others have said this is a marketing data company pretending to be fin app. They lie about the cash advances/eligibility all while mining your data and contacts etc. Stay far away. ### 1/5 — DO NOT DOWNLOAD *2026-08-10, version 26.7.28* Just like the other reviews waste of time take all your information and won’t approve you for a cash advance. ### 1/5 — Horrible *2026-08-04, version 26.7.28* It’s trash ### 1/5 — Scam *2026-08-04, version 26.7.28* I signed up for this app. For three straight days, I tried to get a cash advance. For three straight days it says I’m not eligible, but I meet all the requirements, including well more than 3 months of bank deposits, regular activity, and a positive balance. Don’t bother with this app. ### 1/5 — Waste of time *2026-07-31, version 26.7.28* Don’t even bother… read the reviews everybody says the same thing… I’m sure the only positive reviews are bots ## Most praised reviews (5 highest-rated) ### 5/5 — Nice app *2026-07-28, version 26.7.24* Very helpful ### 5/5 — Great customer service *2026-07-26, version 26.7.20* Alex is wonderful, he helped me with a problem I was having. He was very fast and efficient. His has excellent customer service. Please give him a promotion with a big pay raise ### 5/5 — Thank you *2026-07-03, version 1.1.10* Very thankful for $50 ! ### 5/5 — Fast and easy *2026-07-02, version 1.1.10* Got an advance right after connecting my bank ### 2/5 — I wish *2026-07-04, version 1.1.10* Waiting a couple days til payday, seems like a cool app but I wasn’t approved… doesn’t make sense to wait until someone already has money in their account lol reason why I was trying to apply. Account wasnt even negative --- *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 2026-09-01.*