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.
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.
SMART BUDGETING TOOL
Get a clear, accurate view of your spending with one of the most reliable budgeting tools available.
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.
CREDIT SCORE MONITORING
View and track your credit score, powered by VantageScore 3.0 and Equifax data through our partner Array.
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.
*Advances: True's advance service is not a loan nor is it a contracted obligation to repay a loan. Advances are NOT a payday loan, cash loan, or personal loan app, nor an app to borrow money. Money advanced has 0% max interest. 0% APR. Repaid on the Repayment Date you set. Instant Advance fees are not included in the monthly membership cost and are optional. Instant Advance fees vary from $1.99 - $8.99. Delivery times may vary between banks.
Eligibility criteria apply. A True Finance account is required to request a Advance; approval is not guaranteed. You may request a Advance without paying a membership fee; see our Terms & Conditions to elect this option. Standard Delivery is always free; Instant Advances is optional and carries a fee. Availability varies by state. Average Advance Amount is $53 (as of October 22, 2026).
Example 1: A $50 Advance sent via ACH and repaid on the Repayment Date you set, with 0% interest and $0 in fees. Total Cost: $50.
Example 2: A $50 Advance sent via optional Instant Advance for a $$4.99 fee and repaid on the Repayment Date you set, with 0% interest. Total Cost: $54.99
Cash Advances are not available to Connecticut, Indiana, and city of Baltimore, Maryland residents.
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.
True Finance is not affiliated with or endorsed by any other loan, money, or budgeting apps or services, including Vola, Empower, MoneyLion, Dave, Earnin, FloatMe, Cleo, Albert, Brigit, Chime, Klover, Current, SoFi, Varo, PayActiv, Branch, Cash App, CashApp, Credit Karma, Experian, Daily Pay, Credit One, or any grant cash advance or borrow money providers.
Search terms associated with financial tools may include: cash advance, borrow money, online loans, grant cash advance, budget apps, track spending, AI budgeting, smart budgeting, credit score monitoring, Experian credit tools, Credit Karma alternatives, Daily Pay, Earnin, Dave, FloatMe, Cleo, Brigit, Cash App, CashApp, Credit One, and other money-management resources.
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