Money App Review: Glitchy & Poor Customer Service

Is Money App legit?

Money App appears to be a legitimate cash advance app, at least in the sense that real customers have received advances. But it’s owned by PRG Ventures, which doesn’t have a page on the Better Business Bureau (BBB) or Trustpilot. And we aren’t able to find anything about the company besides a bare-bones, one-page website.

Also, its most recent reviews (2025) on Google Play are virtually all negative — users either can’t connect, got disconnected or found they are no longer eligible for advances. You may be better off doing some research and looking into cash advance apps with better track records.

Where Money App falls short

One of the main drawbacks of Money App is its lack of satisfactory customer service. Specifically, it doesn’t have a contact number or email address. All it offers is a chatbot that won’t connect you to a human — we tried — and doesn’t seem to understand even very basic questions. Many customer reviews back up this assessment and express frustration with the inability to get help on the app.

Another drawback is that its loan amounts are small compared to apps that offer advances of $500 or more. Plus, many users report being able to qualify for advances and then suddenly getting denied without any obvious reason.

Finally, there are numerous complaints about general problems with the app, including trouble with identity verification, linking bank accounts and other technical issues. So if you need a cash advance app, but are concerned with its issues, there are many other apps like Money App, but with better reviews that may fit the bill.

Compare Money App to other cash advance apps

If you decide to try your luck with a different provider, consider these other cash advance apps. Select Compare for up to four providers to weigh the benefits side by side. If you’re interested in downloading the app, click Go to site.

6 of 6 results

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Finder Score	Max. amount per pay period	Turnaround time	Costs
Promoted 8.2 Great Cleo	8.2 Great	$20 to $250	3 to 4 days or instant for a fee.	$5.99 monthly membership fee to access cash advances	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to siteView details Compare product selection Compare	loading
Promoted 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	Free to use or within minutes with a fee as low as $3.99 per transfer	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 siteView details Compare product selection Compare	loading
Promoted 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	No membership fees, Flat Fees of $1.60 to $100	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 siteView details Compare product selection Compare	loading
9.4 Excellent OppLoans Installment Loans	9.4 Excellent	$500 to $5,000	As soon as the same business day	129% - 195% APR	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 siteView details Compare product selection Compare	loading
8.8 Great Albert Instant	8.8 Great	$25 to $1,000	Within minutes	No subscription required	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 siteView details Compare product selection Compare	loading
9.4 Excellent Chime® MyPay®	9.4 Excellent	Up to $500	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)	No subscription fees; Instant transfer fee: 3% of the advance amount ($2 minimum, $5 maximum)	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: To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay 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”). Your MyPay Credit Limit and Available Advance Amount may change at any time. 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 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. 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 siteView details Compare product selection Compare	loading

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The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.

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What makes Money App shine?

The best feature of Money App is that it doesn’t charge monthly subscription fees, unlike many other apps. The only fee you’ll pay is $4.99 to $15.99 for an instant transfer. If you can wait one to three business days for the funds to transfer, Money App is completely free.

It’s also nice that it doesn’t ask for tips like some apps. While tips are never mandatory, they can feel intrusive to some and add to the total amount you have to pay back, which isn’t ideal if you’re already strapped for cash.

Money App cash advance details

Money App contact info

How to qualify for Money App

Money App doesn’t get into a ton of specifics about what it takes to qualify, but here’s what you need based on its website and some customer reviews:

• A checking account and debit card
• A history of direct deposits
• A positive bank balance
• Undisclosed minimum deposits

Money App says it assesses your banking history to determine your ability to repay the advance but doesn’t give any details about what that looks like.

Other features

Money App appears to be purely a cash advance provider, although it says it “may” notify you if it detects that you might not have enough money in your account for upcoming transactions. In that case, it may offer you an advance to cover the shortfall.

Money App reviews and complaints

Money App doesn’t have a Trustpilot page, and it has no reviews and two complaints on BBB. One user couldn’t get their identity verified, and the other had an unresolved billing issue since the chatbot wasn’t helpful and there isn’t a phone number or email address to talk to a real person.

The app has high ratings on Google Play and App Store, but almost every review is negative, which is odd. Complaints include the inability to get verified, bank accounts getting disconnected from the app and people expressing frustration over the lack of a phone number or email to contact customer support. Multiple customers also said they were no longer eligible for advances even though they always paid back previous advances early or on time.

Frequently asked questions

What’s the cooling off period for Money App?

The cooling-off period is the time you must wait between repaying one advance and getting a new one. Money App doesn’t specify the number of days a cooling-off period is, but it says there’s a feature in the app that tells you how many days until you can request another advance.

How do I increase my cash advance limit on Money App?

If your deposit amounts increase, your advance limits also go up, according to the Money App website. You likely also need a history of on-time repayments with the app.

In which states is Money App available?

Money App is only available in 31 states. The following states can’t access advances from the app: Connecticut, Delaware, Georgia, Idaho, Kansas, Louisiana, Maryland, Missouri, Nevada, New Mexico, New York, North Dakota, Oklahoma, Rhode Island, South Carolina, South Dakota, West Virginia, Wisconsin and Wyoming.