Get up to $150* in minutes. No fees. No stress. No nonsense.
CASH BOOST
Need cash? Your wish is granted.
Download Credit Genie
- No need to open a new bank account
- Money in minutes
- No interest, ever
FAST & EASY
Boost hits fast — like, minutes fast.
Get up to $150 sent straight to your bank account or debit card. That's right. No need to open a new bank account. No waiting. No weird hoops. Just tap and go.
No INTEREST
What you get is what you pay back. That's it.
No APR. No compounding nonsense. No late fees. Just a straightforward boost when you need it —with zero interest, always.
No credit check
Your credit score stays out of it.
We don't check your credit to approve a Cash Boost, and applying won't hurt your score. No judgment, no ding.
Where’s that cash boost going?
Millions of people are using boosts to pay for their lives. See what real people are spending them on.
- Food and groceries85% of members
- Loans and mortgages41% of members
- Gas36% of members
How to Genie your money.
Sign up
Takes two minutes. Maybe less if you’re a genie.
Link your bank
We peep your finances (securely, of course).
Score a cash advance
Request a boost and get up to $150*. Just like that.
See how Credit Genie stacks up.
| Credit Genie | Other cash advance apps | Payday loans | |
|---|---|---|---|
| No Interest | Yes | Yes | No |
| No credit check | Yes | Yes | No |
| No Tips | Yes | No | No |
| Personal Financial Management Tools | Yes | No | No |
| No new bank account needed | Yes | No | No |
Real people getting real relief.
See what people are saying about Credit Genie.
In Credit Genie we trust.
Credit Genie doesn't mess around with security. Your info's locked down with the same encryption banks use. And don't worry—we don't sell your data, 'cause that's just weird.
Top-Tier Encryption
We lock up your info tighter than your favorite password. All data in transit and at rest is protected with bank-grade encryption.
Secure Bank Linking
We never store your bank login. Linking your account? That connection's wrapped in 256-bit encryption and handled through trusted, secure partners.
Data protection
We don’t sell or rent your personal info, ever. What you share with us stays between us.
Privacy on your terms
Want fewer updates? Hit pause anytime. Disable your account, disconnect your bank, or opt out of messages with a tap.
Credit Genie gives you quick, interest-free Cash Boosts to help when money's tight. Plus, it shows you how you spend to help you stay on track.
Anyone 18 or older living in the US can use the app.
We use a third-party service to connect your bank safely. This helps us check if you can get a Cash Boost and understand your spending. There's a small ongoing fee to keep your bank connected.
Your account needs to:
- Be open for at least 90 days.
- Have regular direct deposits in the last 90 days.
- Be a personal checking account (not business or joint).
Besides your bank account meeting the basics, Credit Genie looks at things like:
- Your income and spending history.
- Your past Cash Boosts and repayments.
- Other financial factors.
We figure out how much you can safely boost and pay back by your next payday. Your approved amount might change each time you apply.
We want to help, not stress you out. Since there's no credit check, you can always apply again—up to once a day. We update our eligibility guidelines frequently, so check back.
Express: Request before 3 PM ET on a weekday, get your boost by 9 PM same day. After 3 PM, it arrives next business day. Fees apply.
Standard: Usually takes up to 3 business days.
Instant: Get it in minutes on your linked debit card.
Times are estimates since banks process payments differently. Fees apply.
We take repayment from your account on the due date shown in the app—usually your next payday. It takes about 4 business days for us to confirm the payment. Sometimes the app might still show it as pending even if you've paid.
You can change your repayment date if your payday doesn’t line up with the scheduled date. If you have enough money on the due date, we'll take the repayment automatically. If not, we'll try again later. If you think we got your payday wrong, contact us at support.creditgenie.com.
Yes! Just reach out to us at support.creditgenie.com and we'll help you set an earlier date.