# True Finance: Cash Advance — Get, Earn, and Save Money

> Cash advance, budgeting, credit monitoring, and earning app. (iPhone/iPad app by True Finance LLC.)

- Source: https://appshunter.io/ios/app/true-finance-cash-advance/id6443564349 (this page in markdown: same URL + `.md`)
- Developer: [True Finance LLC](https://appshunter.io/developer/1647194423)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 68,454 App Store ratings · 758 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.1 · 120 MB
- Languages: American English
- Released: 2022-12-21
- Data updated: 2026-08-30
- Monetization: subscription
- User reviews in markdown: https://appshunter.io/ios/app/true-finance-cash-advance/id6443564349/reviews.md

## What is True Finance?

Instant Cash Advance Up to $150*, Budget and Earn Money 


True Finance is your all-in-one app to budget smarter, earn more, and access instant cash advances up to $150. Track spending, earn extra income, boost your credit score, and get interest-free cash advances*. Over $50M in advances given and users have earned over $1,200/month in rewards.




SMART BUDGETING TOOL
Get a clear, accurate view of your spending with one of the most reliable budgeting tools available.
Accurate Categorization: Transactions automatically assigned to 16 categories for a full picture of where your money goes.
Simple Dashboard: All spending organized in one place and updated instantly.
Flexible Tracking: View by category, time period, or custom tags (custom categories and alerts coming soon).




CASH ADVANCES
Access up to $150 in interest-free cash advances with no credit checks. Funds can arrive in minutes for an optional instant fee*, or within three business days via standard processing. Approval is based on eligibility and requires a connected, qualifying bank account. Over $50M in cash advances have been provided.




CREDIT SCORE MONITORING
View and track your credit score, powered by VantageScore 3.0 and Equifax data through our partner Array. Receive alerts for changes such as new loan applications or credit pulls to help prevent identity theft early.




INSTANT PROCESSING
Instant processing is available for a small fee ranging from $1.99–$5.99. Eligible users receive their cash advance within the hour instead of standard 1–2 business day ACH transfers. Availability depends on bank participation in FedNow; some smaller banks and credit unions may not qualify.




EARN TAB
Turn spare time into real cash. Play games, complete tasks, and take surveys to earn rewards. Top users have earned up to $1,200 per month.


MARKETPLACE OFFERS
Explore personal loans, credit cards, and insurance from trusted partners — all in one app.




ABOUT TRUE FINANCE
Launched in 2023, True Finance helps members bridge the gap between paydays with tools to budget, earn, and access short-term cash when needed. The app provides credit score tracking, identity protection alerts, and a financial marketplace for exploring additional money solutions.




MEMBERSHIP DETAILS AND DISCLAIMERS 
Membership is required to request cash advances and use the Budget tab. Approval is not guaranteed. Premium members may earn up to 10% more in the Earn tab. Membership costs $6.99/month and renews automatically until canceled in-app. Uninstalling does not cancel membership. Instant transfer fees ($1.99–$5.99) are not included. Cash advance amounts range from $10–$150, with an average of $45 as of Dec 2025.

## Key features

- Instant cash advances up to $150
- Smart budgeting and spending tracker
- Earn rewards by playing games and surveys
- Credit score monitoring and alerts
- Financial marketplace for loans and credit cards

## Chart rankings

- #68 in Top Free · Finance (US App Store)

## What do users think of True Finance?

Overall sentiment: negative

**Pros**

- 💰 Quick cash advances
- 🤑 Easy to earn extra money
- 📈 Helpful for credit score tracking
- 🤝 Good customer service

**Cons**

- 💸 Upfront fees required
- 🚫 Limited eligibility and availability
- ⏱️ Slow payout times
- 🔒 Compatibility issues with certain banks
- 🤔 Unclear policies and requirements

**Commonly reported bugs**

- Account review/suspension issues
- App crashes and login problems
- Delayed or missing payouts

**Most requested features**

- Instant cash advance payouts
- Higher advance limits
- More flexible eligibility criteria
- Improved communication and transparency

## Recent user reviews (10 of 758)

All indexed reviews: https://appshunter.io/ios/app/true-finance-cash-advance/id6443564349/reviews.md

### 2/5 — Not a good thing

*2026-08-26, version 10.6.0*

It doesn’t help when you have to pay a subscription fee just to ask for a cash advance. If I had money I wouldn’t need a cash advance. Then you take a chance and pay for the subscription and end up getting a advance for $10

### 1/5 — App update

*2026-08-23, version 10.5.0*

App doesn’t update properly please help I need help updating app

### 5/5 — Thankful

*2026-08-22, version 10.6.0*

Whenever I’m in a tight even though it’s only 30 or $25 is still helps. It goes a long way.

### 3/5 — Too slow and requires updated iOS

*2026-08-22, version 10.5.0*

I won’t be using the app because it wants me to upgrade my iOS on my phone. Why? Useless

### 2/5 — Pay on time

*2026-08-21, version 10.6.0*

Pay back on time then my next advance decreases useless

### 5/5 — Timely

*2026-08-21, version 10.6.0*

Been was write on time when I needed them

### 3/5 — Okay

*2026-08-20, version 10.5.0*

It takes like a decade for them to take the repayment out of your account.

### 1/5 — Says I’m not me

*2026-08-20, version 10.5.0*

After several attempts of it saying my social didn’t match the rest of my info I just deleted it bc it is obvious there is some sort of malfunction and will be reporting

### 1/5 — Not t enough

*2026-08-18, version 10.5.0*

Had to pay seven dollars for a cash advance of 15 almost half of subscription

### 5/5 — Fast cash

*2026-08-18, version 10.5.0*

The app is a life changer when you're in a bind—instant money, no interest, real relief! 😊

## Frequently asked questions about True Finance

### What is True Finance?

True Finance is a mobile application designed to help users manage their finances. It offers instant cash advances, smart budgeting tools, credit score monitoring, and opportunities to earn extra income through various tasks and games.

### How can I get a cash advance?

You can access cash advances up to $150 with no credit checks. Approval is based on eligibility and requires a connected, qualifying bank account. Funds can arrive within minutes for an optional instant fee or within three business days via standard processing.

### What is the cost of using True Finance?

Membership is required to request cash advances and use the Budget tab, costing $6.99 per month. This membership renews automatically until canceled in-app. Instant transfer fees for cash advances range from $1.99 to $5.99 and are not included in the membership cost.

### What are the budgeting features?

The app provides a reliable budgeting tool with automatic transaction categorization into 16 categories. It features a simple dashboard to view all spending in one place and offers flexible tracking by category, time period, or custom tags. More advanced features like custom categories and alerts are coming soon.

### How can I earn money with the app?

The 'Earn Tab' allows users to turn spare time into cash by playing games, completing tasks, and taking surveys. Top users have reported earning up to $1,200 per month through these activities. Premium members may earn up to 10% more in the Earn tab.

## Version history (last 5 releases)

### 10.6.0 — 2026-08-20

Important updates under the hood to make True experience even better.

### 10.5.0 — 2026-08-10

This update includes minor fixes and performance improvements

### 10.4.0 — 2026-03-12

This update includes minor bug fixes and better iOS 26 support. Because True Finance is all about fast instant cash advances. Get cash before payday to help avoid overdraft fees.

Remember to update the app to ensure you’re using the latest version

### 10.3.0 — 2026-01-28

Sweepstakes is now live!

True Finance is giving out hundreds to our users every month, with 5 winners selected each week.

Bug fixes and performance improvements. Stability updates for a smoother, more reliable experience.

True makes it easier to access cash, track spending, and avoid overdrafts.Remember to update the app to ensure you’re using the latest version!

### 10.2.0 — 2025-12-15

Internal changes and minor fixes

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| App | Rating | Price | Category |
| --- | --- | --- | --- |
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*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 2026-08-30.*