# Xayo App - Get your pay early — user reviews > 36 indexed App Store user reviews of Xayo App by Spendonly Inc, rated 2.10/5 from 59 ratings. - Source: https://appshunter.io/ios/app/xayo-app-get-your-pay-early/id1573630722/reviews - App overview in markdown: https://appshunter.io/ios/app/xayo-app-get-your-pay-early/id1573630722.md - Rating breakdown: 5★ 11 · 4★ 5 · 3★ 1 · 2★ 4 · 1★ 38 ## Newest reviews (11 of 36) ### 1/5 — Horrible *2022-01-23, version 1.0.4* This app tells you can borrow money and send it in the USA.. or cash out to your bank .. well that’s a lie .. I borrowed 100.00 until my pay day and got approved great right .. wrong it won’t let me cash out the money .. I tried sending the money to my daughter to see if she could cash it out .. it’s now stuck sitting on her account asking for it to be converted into pesos… I have emailed them several times with no response and no money at this point .. I just want to ensure that I am not getting charged for money I never used .. ### 1/5 — Bad *2022-01-10, version 1.0.2* Need help send money someone doesn’t have account how I recovery that money back ? And why I can’t put my routing and press the bottom to cash out ? This is a joke ? ### 1/5 — Loan *2022-01-07, version 1.0.1* Why is it taking such a long to load just to see if you’re approve for long or not ? ### 1/5 — Didn’t let me add bank account *2021-12-30, version 1.0.1* There’s a place to clock to as a bank account but it does nothing when you press it. 🤷🏻‍♀️ ### 1/5 — Can’t add bank! *2021-12-30, version 1.0.1* Been trying to add bank info for a week now-it won’t let me! Can’t borrow until you add the info. Uninstalled and reinstalled app-left several emails without any response what do ever, can’t find a phone number…so good luck people! ### 1/5 — Bug *2021-12-28, version 1.0.1* Can’t add bank account ### 1/5 — So far really poor app *2021-12-22, version 1.0.1* I can’t even add my bank account to try it out. I asked for help, no reply. There is no faq’s area so you can trouble shooting or read commonly asked questions. Very poorly made. ### 2/5 — 🙄🙄 *2021-12-15, version 1.0.1* won’t let me add bank ### 1/5 — Doesn't work *2021-12-14, version 1.0.1* Add bank account button doesn't work. Haven't heard back from support yet ### 1/5 — Seems like a scam *2021-12-08, version 1.0.1* There is absolutely no way for the claims to Be claimed or refunded I’ve sent several emails to support with no response and no one has gotten a dime or a text but I bet they’ll try to take my money which I will report as fraud seeing as how no one has gotten anything someone needs to respond to my email asap ### 1/5 — Bad *2021-11-27, version 1.0.1* Sent my friend $100 and they never got it. Also still have to pay for the $100 I sent even though they never received it. Scam. ## Most critical reviews (10 lowest-rated) ### 1/5 — Doesn’t even work *2023-04-15* Whenever I put in my card information to pay the $1.95 fee for cash advance, it just says card error and please contact support. Even though all my card info is correct, and after I emailed their support the emails got rejected by server because they’re customer service email address isn’t even valid. ### 1/5 — Payment *2023-02-11, version 1.0.5* I get all the way to the 1.95 payment and it says error when I try to pay for the subscription so guess I’ll give this app a 👎🏻 for sure.. it’s useless!! ### 1/5 — This app don’t work *2023-01-16, version 1.0.5* Doesn’t work at all never gave me my money ### 1/5 — Always says unexpected error *2022-11-26, version 1.0.5* Every time I try to pay the subscription fee it says unexpected. I’ve emailed and no one has responded! ### 1/5 — Been waiting over FIVE MONTHS for a response! *2022-10-18, version 1.0.5* I’ve been waiting since May for Xayo to respond to my several emails that I’ve sent them. I keep getting the same generic email saying they will respond to the emails as they come in, but five months?? I have a Cash Out balance that I’m trying to withdraw, connected my bank account, but every time I try to do so it says “error has occurred.” NOT worth your time! ### 1/5 — Scam for sure *2022-07-08, version 1.0.5* Nothing works in app ! Approved but can’t connect a bank can’t send money ! Customers service is a joke! ### 1/5 — SCAM!!! *2022-04-28, version 1.0.5* It let me take out the loan and then it wouldn’t let me cash out the balance. Reached out to support and they just stopped replying after a couple of emails. Where is my money?????? I even tried reaching out to the WhatsApp number and it says no one has been active on their account since last month. ### 1/5 — A no good company *2022-03-16, version 1.0.4* I have not received any advance that I borrowed, I have emailed them several times and no response. I would not recommend this app to anyone that needs a wage advance. Sad thing is that this company has all my information including my bank info. Feeling really sketchy about this company. ### 1/5 — Doesn’t work *2022-02-15, version 1.0.4* Allows me to get to the point where I accept the advance then freezes. No response from customer support ### 1/5 — Scam *2022-01-24, version 1.0.4* Do not use they will take your money and give you no response it’s almost a week and I haven’t heard anything from them ## Most praised reviews (10 highest-rated) ### 5/5 — Helped in a pinch *2022-04-03, version 1.0.4* It was so helpful in a pinch to send money to my mom! ### 5/5 — Sent money home for free! *2021-12-01, version 1.0.1* This app works great. No fees to send money to DR? I thought it was too good to be true and tried it out. Ran into a small hicup when signing up but the support team helped me out quickly. Minutes later I was sending money to my mother! ### 5/5 — Fast and free *2021-12-01, version 1.0.1* Sent money to my brother in DR for free. Works great, never going back to the old school ways of sending money home! ### 5/5 — Very fast! *2021-11-24, version 1.0.1* I used their borrow funds to send money to my sister in the DR and in less than 3min she confirmed getting the money. I never thought this was real but decided to give it a trial and it worked! ### 5/5 — Saved me time and money *2021-11-23, version 1.0.1* Everything works as advertised, linked my bank account and was approved for a loan so was able to send cash before my paycheck comes on Friday. I will use this again and again! **Developer response:** Thank you for using our service! ### 5/5 — Just on point *2021-11-23, version 1.0.1* Was so professional, I’m not sure I’ve used any service this fast before. I’ll definitely recommend this App. **Developer response:** Thank you! ### 5/5 — Works great *2021-11-21, version 1.0.1* Haven’t tried the borrow feature but sent some funds to family today and it worked great! This is the cheapest way to send money home! ### 4/5 — Not letting me add bank account *2021-12-28, version 1.0.1* Please help ### 2/5 — Won’t let me pay *2022-06-05, version 1.0.5* I’ve been trying to pay the $1.95 activation fee! It keeps saying unexpected error! ### 2/5 — Pay ahead of approval *2022-01-28, version 1.0.4* Why on earth would I pay before I’m told if I can borrow or not? Seems sort of win/win for the app and a lose for me. --- *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.*