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OneBlinc Review: Cash Advances With Monthly Subscription

By Lacey Stark

Edited by Megan B. Shepherd

Updated

Nov 25, 2024

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Min. Amount: $50
Max. Amount: $250
Turnaround time: Within 2 business days or instant for a fee

Our verdict

Cash advance minimums start higher than some other apps, but advances require a monthly subscription.

OneBlinc used to offer allotment loans — and it still services outstanding loans — but it’s now transitioned to a cash advance app with advances up to $250. Advances start at $50, which is higher than some apps that start as low as $10 or $20 for new borrowers. And, like most cash advance providers, it doesn’t check your credit or charge interest or late fees. But it requires a monthly subscription fee to access advances — although it waives the fee for loan customers and offers a 30-day free trial for new users. However, a fair number of reviewers say they’ve had trouble linking their bank account or experienced other glitches with the app.

Best for: People who want fast access to at least $50 advances and don’t mind paying for a monthly subscription.

Pros

Initial advances higher than some apps
Has a free trial period
Doesn’t require a credit check

Cons

Requires a monthly subscription fee
Max advance is lower than some apps
Reports of a glitchy app

Is OneBlinc legit?

OneBlinc is a legitimate lender and cash advance provider. It’s accredited by the Better Business Bureau (BBB) and has an A rating. It secures your information using SSL data encryption technology and also uses physical and administrative safeguards that comply with federal laws. OneBlinc has a clear and detailed privacy policy that you can view on its website to see how it shares your information and how to opt-out.

What makes OneBlinc shine?

We like that OneBlinc offers a free 30-day trial of BlincAdvance. This trial gives you plenty of time to try out the service to see if it works for you before committing to a monthly subscription.

It’s also handy that advances start at $50, which is a respectable amount. Many apps only start at $10 or $20, which might not be enough to get you to your next paycheck.

Where OneBlinc falls short

BlincAdvance charges a monthly fee of $8.99 for advances. Several apps don’t require a monthly subscription and offer similar advance amounts. If you don’t plan to use it much, it might not be worth the monthly cost.

It also doesn’t distinguish itself with its highest advance of $250. Many other apps allow advances up to $500 or more — and some are less expensive, too.

OneBlinc personal loan details

Product name	BlincAdvance
Loan amount	$50 to $250
Loan term	Until your next payday
Turnaround time	Within 2 business days or instant for a fee
Costs	$8.99 monthly fee, $4.99 for instant transfers
Requirements	Have a bank account, get paid by direct deposit and have two past deposits

OneBlinc contact info

Phone number	855-449-0078
Customer service hours	Weekdays: 9 a.m. to 6 p.m. ET Saturday: 10 a.m. to 2 p.m.
Email	customer@oneblinc.com
X,formerly Twitter	@OneBlinc
Facebook	OneBlinc

How to qualify for OneBlinc

OneBlinc doesn’t give a lot of detail about how to qualify, but these are the basics:

Have an active bank account
Get paid by direct deposit
Receive at least two qualified deposits

OneBlinc says it then analyzes your earning and spending habits to determine if you’re eligible for an advance and for how much. It doesn’t specify a minimum income requirement, but based on some reviews, it seems to have an undisclosed requirement.

Other features

OneBlinc also offers a Prime subscription for $2.99 a month or $20 for the year. It’s a financial service that’s supposed to help users improve their credit, but there are no details about how it works.

OneBlinc reviews and complaints

BBB accredited	Yes
BBB rating	A
BBB customer reviews	1.5 out of 5 stars, based on 8 customer reviews
BBB customer complaints	35 customer complaints
Trustpilot Score	4.6 out of 5 stars, based on 4,610 customer reviews
App Store Score	4.7 out of 5 stars, based on 2,800 customer reviews
Google Play Score	3.9 out of 5 stars, based on 2 customer reviews
Customer reviews verified as of

There aren’t very many OneBlinc reviews or complaints on BBB. However, most complaints are about OneBlinc loans, specifically the inability to refinance those loans. There was only one positive review (out of eight) on BBB, where the reviewer praised the helpful customer service.

Reviews on Trustpilot and the app stores are largely positive. Happy customers compliment the professional and friendly customer service, the ability to change their payment date and the fast and easy process of getting advances. Complaints include difficulty connecting their bank accounts, getting their income verified and glitches with the app. There’s also a lot of negative feedback from loan customers who want to refinance but can’t.

What do people on Reddit say?

Several people on Reddit also have issues connecting their banks, and some complain about being denied advances after signing up and paying the subscription fee. Others have had better luck with the app and mention the ability to schedule a different repayment date and get bigger advances as you continue to use it. But one Redditor warns that if you’re even one day late, your advance amount goes back to $50.

How OneBlinc compares to other lenders

6 of 6 results

Finder Score	Loan amount	Turnaround time	Requirements
9.5 Excellent EarnIn	9.5 Excellent	Up to $150/day, with a max of $1000 between paydays	1–2 business days standard; minutes with Lightning Speed	At least 18 and a US resident, Valid Social Security number, At least 60 days of banking history, Proof of consistent income, Positive bank balance, Get paid by direct deposit.	Access up to $150 per day, with a max of $1000 between paydays. Not available to CT or Washington, D.C. residents. Subject to EarnIn terms & conditions.	Important information EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.	Go to site View details Compare product selectionCompare	loading
8.2 Great Cleo	8.2 Great	$20 to $250	3 to 4 days or instant for a fee.	Not stated	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent Chime® MyPay®	9.4 Excellent	Up to $500	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)	Chime checking account, direct deposits of $200+ and only available in some states	Access up to $500 of your pay before payday fee-free within 24 hours. See Chime terms and conditions. MyPay is only offered in select states.	Important information MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451). MyPay eligibility: You must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). MyPay is currently only available to eligible Chime members in certain states. Other restrictions apply. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $1000 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. Your MyPay Credit Limit and Maximum Available Advance may change at any time. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. Instant funds: Option to get funds instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance, or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. SpotMe: SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH s, Pay Anyone s, or Chime Checkbook transactions. SpotMe terms and conditions. Early Pay: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Savings: Chime® Checking Account is required to be eligible for a Savings Account. The 3.75% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 0.75% APY will apply. The APYs are effective as of 02/26/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details. Credit Builder: Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent Varo Cash Advance	9.4 Excellent	Up to $250 today. Build up to $700 over time with direct deposit at Varo. Average loan: $195. Qualifications Apply.	Instant, once qualified	You must have an active Varo Bank Account with a positive balance, no delinquent Varo Line of Credit or charged off Believe account in prior 6 months. Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity.	Important information Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity. If approved, initial limits range from $20- $250. Unlock higher limits up to $700 over time when you bring your qualifying direct deposit to Varo and build a positive history with us. Negative repayment history may impact credit. Fees range from $1.60 - $100 based on loan amount, and deposits to your Varo Bank Account. Your current limit and applicable fees can be viewed in the Varo App. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent OppLoans Installment Loans	9.4 Excellent	$500 to $5,000	As soon as the same business day	+18 years old, Receive paychecks through direct deposit, $1,500 minimum monthly income, Live in eligible state	Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV. Comes with the option to change your due date so you won’t fall behind on repayments.	Important information The advertised APR is an estimate based on currently available information, is not final, and is subject to change. If approved, your actual rate will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Applications submitted on the OppLoans platform will be originated by one of our bank partners and serviced by OppLoans. Please see the Rates and Terms for details regarding the availability of products in your state of residence. Subject to credit approval and verification. Actual approved loan amount and terms are dependent on our bank partners’ standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction. Installment loan amounts typically range from $500 to $5,000. Annual percentage rate (APR) ranges from 129% to 195%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments with an APR of 160% would have monthly payments of $394.58. Loan amount, APR, and repayment terms may vary by state, please see https://www.opploans.com/rates-and-terms for additional information. Approval is not guaranteed. If approved, your actual rate will fall within the marketed range of rates, and will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Not all applicants will qualify for the lowest available rates. This is an expensive form of credit and you should determine whether the offered product(s) meets your financial needs. OppLoans’ Bank Partners may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. The credit inquiry will appear as a soft credit inquiry on your Experian credit report and a hard credit inquiry on your Clarity report. Therefore it will not affect your FICO credit score. OppLoans and its Bank Partners report customer payment history to the three major credit bureaus. On-time payments may improve credit score.	Go to site View details Compare product selectionCompare	loading
8.8 Great Albert Instant	8.8 Great	$25 to $1,000	Within minutes	An active bank account with transaction history linked to Albert	Advance up to $1,000 in minutes with Albert Instant.	Important information Albert is not a bank. Savings account provided by Wells Fargo, N.A., Member FDIC. Albert plans start at $19.99/mo. Try for 30 days before you're charged. Fees auto-renew until canceled. Cancel in the app. Terms apply. Albert Instant Line of Credit is an unsecured line of credit issued by FinWise Bank, a Utah chartered bank, Member FDIC. Limits range from $25-$1,000. Draw fees apply. Terms and eligibility criteria including geographic restrictions apply. In some states, Albert may offer you an Albert Instant Advance instead. Limits range from $25-$1,000, subject to terms and eligibility criteria. No Albert subscription is required for Albert Instant Line of Credit or Albert Instant Advance. See Albert Terms of Use for additional important terms.	Go to site View details Compare product selectionCompare	loading

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Frequently asked questions

Is OneBlinc only for federal employees?

No, anyone can use the OneBlinc salary advance app. It used to offer allotment loans to federal employees (and other workers), but it’s phasing out its loan product.

Can I change the payment date for BlincAdvance?

Yes, you can extend your repayment date while applying for a new advance, but you can’t change the date after you’ve received the advance. Also, the payment date can’t be more than 30 days from when you got the advance.

Why is my advance only $50?

All new users start with only a $50 advance, but it increases to $250 as long as you make on-time payments. If you’re late, the advance amount resets to $50.

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