Money App Review: Glitchy & Poor Customer Service
- Min. Amount
- $25
- Max. Amount
- $250
- Turnaround time
- 1 to 3 business days or instant for a fee
Our verdict
This provider has no mandatory fees, but its only means of contact is a (largely unhelpful) chatbot.
Unlike many cash advance apps, Money App doesn’t require a monthly subscription fee — and there are no interest charges, late fees or requests for tips. It offers advances up to $250, and you only have to pay a fee if you need an expedited transfer. But many reviewers complain of a glitchy app, trouble keeping bank accounts linked and the lack of customer service options. It has a chatbot but no email address or phone number. Plus, customers complain that after getting multiple advances, they are no longer eligible.
Best for: People who occasionally need a fast cash advance and don’t want to pay for a monthly membership.
Pros
-
No monthly subscription required
-
Sends low balance warnings
-
Advances up to $250
Cons
-
No customer service phone number or email
-
Maximum advance is lower than many apps
-
Customers report multiple issues with the app
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.
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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
| Product name | Cash Advance |
| Loan amount | $25 to $250 |
| Loan term | Next deposit or pay date |
| Turnaround time | 1 to 3 business days or instant for a fee |
| Costs |
|
| Requirements |
|
Money App contact info
| Phone number | Undisclosed |
| Customer service hours | Chatbot: 24/7 |
| Undisclosed | |
| X, formerly Twitter | N/A |
| N/A |
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
| BBB accredited | No |
|---|---|
| BBB rating | B+ |
| BBB customer complaints | 2 customer complaints |
| App Store Score | 4.6 out of 5 stars, based on 9,300 customer reviews |
| Google Play Score | 4 out of 5 stars, based on 3,170 customer reviews |
| Customer reviews verified as of | 20 February 2025 |
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.
What do people on Reddit say?
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.
Your reviews
Lacey Finder
Writer
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