FloatMe: Instant Cash Advances

Name: FloatMe: Instant Cash Advances
Rating: 4.7521 (67261 reviews)

Finance

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FloatMe: Instant Cash Advances

Finance

4.8

67.3K ratings

Age Rating

Seller

FloatMe Corp

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User Reviews for FloatMe: Instant Cash Advances

Shady app

This app not only requires you pay them back extra when you borrow money, they also charge you $1.99/mo to have an account which they make no mention of when you set up an account and you'll only find this out when you see it deducted from your bank account each month. Not only that, but also, I asked them to close my account so I would no longer be charged each month. They did close my account, however, they still just took out another $1.99 from my account. To make it even more ridiculous and frustrating, you can only contact their support team by logging into your account, but of course, I don't have an account anymore because they closed it yet still think it's ok to continue to charge me. It's incredibly shady and just a terrible app and experience in general. I'm gonna have to call my bank and tell them to put a block on them since I can't contact them at all. Bottom line, there are better options out there. Stay away from this garbage app

/-KillFace-\, Jun 30, 2020

THANK YOU!!!!!!!

I am sorry but hands-down you guys are absolutely the best cash advance type of app that’s out there. You know I know $20 is not a lot of money to some people but when you are absolutely desperate and two days away from getting paid you way. I’ve been turned down by everybody else thank you guys so much you guys are the best! I never ever ever leave reviews for any apps that you guys absolutely blow me away thank you so much I am sorry but hands-down you guys are absolutely the best cash advance type of app that’s out there. You know I know $20 is not a lot of money to some people but when you are absolutely desperate and two days away from getting paid you need 20 bucks goes along way. I’ve been turned down by everybody else thank you guys so much you guys are the best! I never ever ever leave reviews for any apps that you guys absolutely blew me away thank you so much for the help thank you. I will be telling my friends and family.

Angela/TJ/Bubba, Jul 25, 2022

👎🏻👎🏻👎🏻

I downloaded and signed up for this app a long while back. I never used it because the requirements to receive any type of help were strict. It’s sad to think that just because someone doesn’t have a certain amount of money in their account automatically means they can’t be trusted to pay back what was shared. Unfortunately, that’s the world we live in. Again, I never actually received any type of “Float Me” payment because I didn’t meet the requirements, but I was signed up for the subscription. After cancelling a while back (to no avail), I kept getting charged $1.99 and couldn’t figure out why until TODAY. I figured out my account info and immediately reset my password, logged in and cancelled my subscription to an app I never used but had paid for month after month after month. I wanted to delete my account as well, since my bank info is still attached but Float Me blocked me from logging back into my account simply because I cancelled their $2 subscription. Thanks for that :)

Bananaaaaaaaa42, May 19, 2022

Account

I had closed my account because I couldn’t get a hold of anyone because I had switched to a new bank account. I was receiving money into my new account from Float Me but about a week ago I was told there were no deposits from my payroll found in my account. By this time I was already on two deposits into the new account and the Friday in the same week would have been my third deposit. I didn’t understand why I could receive floats in my new account but when I tried to take another out they couldn’t find new deposits from my payroll there was already two deposits from them. That same week would have been three reoccurring deposits. For the record, $1.99 was taken out of my bank account for Float Me Services’s can my account be unblocked? I paid already and cannot use the service.

burse88, Sep 30, 2020

Not there when you need it most

There are times when my main accounts get SO low (we’re in the middle of a pandemic) that and extra $20 offered by FM would make all the difference in the world. It could feed us and allow us a couple of dollars of gas. In my circumstance,only reason for accessing apps such as float Me is to get that receive and that $20 last a couple of days until my scheduled payday. With the restrictions shown on the app with regard to bank balances, that check to see if you have money in your account or not, will automatically deny your request for a $20 float. The irony is that if I HAD money in my bank account, the necessity to use Float Me wouldn’t exist. As a frequent user, Float Me needs to update their rules in order to help those of us who do not currently have money in their account for a couple of days until payday. We are struggling out here and that $20 could and does keep us from struggling or literally being hungry. My opinion? A bank balance containing cash makes using Float Me rather redundant. This rule should be rethought. This app is useless if a zero balance is the determining factor Thanks for taking the time to read my opinion.

DaphneThrasher, May 21, 2021

Ok

Floats little bit of money with high instant delivery fee, but does work if needed. I don’t think an app that charges you a monthly fee should be charging you “float cash instant” fees. Especially when it’s a $5 fee for $20 spot not including the monthly fee. If the app was free to join I would understand the fee. After paying for a monthly subscription it should be part of your services. In order to even qualify they get full access to bank account and paychecks to meet all the criteria’s, so they basically know you’re going to pay you back. I guess if you don’t they have all the information they need to just pull the money anyway. I would understand a fee for not making a payment, if that were to occur, they know it’s unlikely from your banking information, and setting up the paybacks on payday. Bottom line I think the point is to help someone is need, who is obviously someone that is reliable, based on the apps standards (which are understandable), but really just makes it harder for them in the long run. Not really helping. Just taking advantage of someone in need.

GoblinOnDeck, Dec 10, 2021

Horrible Customer Service & communication

This is my first time ever writing a review for an app, and I must say I’m upset that is not a good one. I was needing a little help to make it to my next pay day & decided to try this app out. Seemed like it was okay and had some bad reviews not many so I looked over them and decided to give it a try. Well, I should have just tried someone else because trying to use this app was absolutely ridiculous and a waste of my time. They kept stating the reason they couldn’t help me was due to income not found, but I gave them the right account & everything they needed in order to see my income. I even sent screenshots through email and still this wasn’t enough for them. I’m not sure what the problem is on their side but they need to fix it! In their app my direct deposit shows up as a transfer & not a direct deposit like it shows in my bank account. That’s not my problem it’s theirs, and yet they still choose to just cancel my account which it totally fine with me. I was able to go with another app that helped me just fine with the same bank account so no worries here. Please don’t waste your time with this app!

hhines21, Oct 04, 2023

Just fine

I been using float me for a few months now. I’m not even going to act like the extra $20 didn’t help when I needed them. I don't mind paying back the $20 plus $4 on payday I rather pay the $4 then to ask my friends or fam for a $20 until payday. On the real I think there’s better apps out there that loan you more money and don't have some many requirements like float me. Hate to drop names but earin app don’t require no history of high atm withdrawals or transfers the day of or after pay day when you clearly got a direct deposit from your work the day before Also earin lets you barrow up to $500 dollars if you qualify just charging you $3.99 for every $100 a day and you receive the funds in minutes with tips being optional ( i always tip when i barrow money ) Float me is a okay app but in honest truth I believe they can improve the app by increase the money you can barrow and also if you’re able to send a screenshot of your direct deposit so they can see there was a recent deposit

Jim Kamper, Apr 02, 2022

DO NOT DOWNLOAD THIS APP

I’m never the type to leave reviews but for this I must warn those who are in need of money and will get taken advantage of by this scam.I have been getting charged every month since June 2021 of $1.99 of a membership I was never aware of. I NEVER qualified to get any Float Me Cash but they proceeded to charge me of a membership that never even helped me? I provided a picture and proof to their customer support that I NEVER received any funds from Float Me but still got charged anyways. The customer support tells me that $1.99 charge is to help alert members of “low balance” but majority of bank apps have HAD this feature for FREE for many years? There was absolutely no benefits for me whether I had this “membership” or not but yet they can’t refund the charges for these past months.I ended the membership today and was only ever aware of being subscribed to a “membership” until today when it suddenly showed up in my bank statement that there’s a hold for a $1.99 charge. However if I had known this earlier on, I would’ve ended this membership sooner. They have little to no care for their members and just shows how much money hungry Float Money is. Float Money is a tool for people who need money but they will still charge those who doesn’t use it, those that doesn’t qualify for it AND those who have already have nothing left. Crazy.

julicorn_xo, Nov 16, 2021

"Float"=loan

Float based on what is deposited into your linked bank account each week. Which is fair as far as I am concerned. The app is a glitchy when applying for float. Example: I applied for my float then entered my debit card for float which is the same as the linked bank account and doesn't change (because you can only get floats to the same debit card EVERY float) they just want you to re-enter the card number. Because I had my debit card account locked it, I had to wait 48 hours before I could re-enter my card number to get my float. They have it set up so you can only enter your card once if for some reason you accidentally mess up while entering your up the creek for 2 days. So just be aware of the little glitches they have set up within there system. Other than that, I have had nothing but a positive experience. I have been using them for 2 weeks so I'll. Sure to update through review if I run into any other glitches. Good luck guys!

lindsay_says, May 13, 2021

Description

Need a few bucks in between paydays? ‍Meet FloatMe, your Best Financial Friend. Easy cash advances directly to your bank account. Membership is only $1.99/month. ‍No credit checks.

No interest. No problem.* Pay bills, get gas, or buy groceries. All you have to do is download the app today and connect your bank account to get started. Once you’re a member, request Floats at no cost and receive funds in your bank account in 3 days or less. Need funds immediately? We’ll expedite your Instant Float within minutes for a small fee. Instant Float fees vary - $10 Instant Floats have a $3.00 fee, $20 Instant Floats have a $4.00 fee, and $30+ Instant Floats have a $5.00 fee.* FINANCIAL FORECAST Introducing the Financial Forecast. Get a smart look ahead that calculates your likely available balance based on your recurring and routine expenses and your projected paydays. LOW BALANCE ALERTS Know where your bank balance is at all times. With low balance alerts, we’ll let you know when your funds are getting low, to help you avoid those pesky overdraft fees. SIDE GIGS Need to earn a little extra cash? Explore our list of side gig opportunities through third-party partners in the app to earn cash if you need it. SPENDING INSIGHTS Get to know your money with spending category insights at your fingertips. FloatMe’s handy chart presents a quick view of your transactions. SECURELY CONNECT FloatMe uses Plaid Portal to securely connect your bank accounts with 256-bit bank-level security to keep your information and money safe. Plaid seamlessly works with over 10,000 banking institutions across the US. ABOUT US FloatMe launched in early 2020 with a mission to help millions of Americans who need a few dollars in between paydays. We also help members better understand their spending habits, and avoid overdraft fees. Questions? You can contact us through our support portal at www.floatme.com/contact. * Membership is required to request cash advances; approval of your request is not guaranteed. Membership costs $1.99/month and provides access to FloatMe’s suite of financial products and services. Instant Float fees are not included in the monthly membership cost. As of October 1, 2023 Cash advances or "floats" are not available to Connecticut residents.