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Credit Genie Reviews 492

TrustScore 3.5 out of 5

3.6

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Review summary

Based on reviews, created with AI

Most reviewers were somewhat happy with their experience overall. Consumers appreciate that the app can be helpful in certain financial situations, especially when needing quick access to funds between paychecks. People find the application user-friendly, highlighting its simplicity and the ability to choose repayment dates. Some reviewers compare the services to similar platforms, expressing satisfaction with the advances received. However, many reviewers report issues with payments, noting that processing times can be lengthy. Some customers have also reported unexpected charges and difficulties in disconnecting their bank accounts, leading to recurring fees even after account closure. The opinions on customer service are mixed, with some describing it as unhelpful and futile.

Based on these reviews

Rated 4 out of 5 stars

Great app for quick cash in between payday. Experience very similar to Dave, Brigit and Cleo. Flexible with adjusting repayment date if you have an issue with original date . Downside is the bi-weekly... See more

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Rated 3 out of 5 stars

The repayment process takes entirely too long. Absolutely zero reason I shouldn’t be able to pay instantly with my debit card. Also can’t pay it off early, which is strange. The app has helped me fi... See more

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Rated 5 out of 5 stars

Credit genie in its entirety is a very well coded and built application via online banking and financial services. I can’t count more than how my toes and fingers I have that credit genie pulled me ou... See more

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Rated 5 out of 5 stars

Like a magic lantern, poof, your financial wish come true! Running a day or two off from payday? Facing a record blizzard and need supplies but don’t have the cash to prepare? Pull out credit genie a... See more

Company replied

Rated 5 out of 5 stars

Always there for a quick safety net if you’re walking the tight rope of living paycheck to paycheck; trying to AVOID using revolving debt, and the timing of your groceries, gas, or utility bill hits o... See more

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Rated 5 out of 5 stars

its really simple to use you can choose your repayment date as long as you pay them back the amount they allow you to borrow goes up its in your account in minutes .

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Rated 1 out of 5 stars

I pay my balance always immediately, how ever it takes credit geni a full week another end to process my payment. Unacceptable!!! I think its wrong to do that , my vanknis very fast. Credit geni k... See more

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Rated 1 out of 5 stars

This app is convenient, sure, but it will also continue to charge you the $4.99 subscription fee...even after you remove the subscription from your account. And customer service is useless. Instead of... See more

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Rated 5 out of 5 stars

Credit Genie is literally an amazing app that allows for you to borrow and pay back when you need some quick cash. I would recommend everyone to download and utilize this app

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Rated 1 out of 5 stars

I’ve tried contacting these people so many times it’s not even funny!! We have no relation whatsoever at this point and they’re still taking money out of my account and I’m sick and tired of it.. its... See more

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Rated 1 out of 5 stars

They took my repayment and it left my bank account on January 14th when it was due. It was processing until 1pm est today January 20th. I get a notification that I can request another advance. I tri... See more

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Rated 5 out of 5 stars

Thank you for lending me $ when I really needed it in between my bi-weekly paychecks. I had to pay a bill immediately and was low on funds due to paying several bills at once and your app saved me. M... See more

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Rated 5 out of 5 stars

I haven't read but a few reviews. I don't understand how one person can say they love credit genie service and others say they do not. My experience was absolutely great. I was just sitting here watch... See more

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Rated 1 out of 5 stars

I have been drafted a charge out of my bank account for at least 6 months now and I have no idea why? Credit genie has never given me any type of loan , advice , or anything beneficial in my life that... See more

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Rated 1 out of 5 stars

Worst experience with this company. Requested a cash boost because it was my first time trying it out. It said it “deposited” into my account which it did not and they can see and track all transactio... See more

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Rated 1 out of 5 stars

Reply from Credit Genie 16 minutes ago We are sorry you had a negative experience. We use an automated system that reviews your bank account transactions and history to determine if you meet... See more

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Rated 5 out of 5 stars

Credit Genie can really help you if your in a pinch. So far they only been offering me $100.00 dollars to borrow each time. But hay i'm not complaining getting it is useful either way. I just hope dow... See more

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Rated 1 out of 5 stars

All I needed to do was update my debit card bc the old one expired. Tried doing so through their app but it wouldn't update. Contacted support and just got ignored. I contacted support several times t... See more

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Rated 1 out of 5 stars

I have been trying to get a hold of credit genie because they keep charging me a fee even though I disabled my account. It's ridiculous. I can't even log in to the app to to remove my bank account bec... See more

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Rated 2 out of 5 stars

I keep getting the same advance no improvement. and it Took like a whole week for them to “process” my payment to allow me to get my next advance which was really a waste of time and money cuz I could... See more

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Rated 2 out of 5 stars

I’ve actually thought about canceling my subscription here because there’s no increase. It’s the same amount each week and I have been paying to listen on time for a while now. You would think overtim... See more

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Rated 1 out of 5 stars

I don't know how I got roped into this one. I've never had the app and never used this company. For the last few months I've noticed this charge on my account since it was small I didn't worry overmuc... See more

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Rated 1 out of 5 stars

PROCEED WITH CAUTION! HORRIBLE COMPANY. DOES ANYONE WORK THERE? I HAD A SITUATION WITH MY ACCOUNT BEING COMPROMISED. EVERY SINGLE COMPANY AND PERSON THAT I DEAL WITH WORKED WITH ME AND CHANGED DUE D... See more

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Rated 2 out of 5 stars

At the beginning, everything appeared organized and reassuring, which made it easy to trust the process. As time passed, however, the explanations became repetitive and less clear. I found myself feel... See more

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Rated 1 out of 5 stars

I had downloaded the app, connected my bank account and received a $50 loan which helped out, went back on the app the very next day to check something and they (Credit Genie) permanently disabled my... See more

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Rated 1 out of 5 stars

The application will fund you up to $100.00, but there is a catch. Even if you pay on time, the app will reflect a late payment. Which will result in you receiving a double charge on your bank account... See more

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Rated 1 out of 5 stars

I didn’t have a problem with them for a while and all of a sudden now they’re taking money out of my account way too soon before I get paid so I’m overdrawn. In my account. Now they’re gonna take out... See more

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Rated 1 out of 5 stars

Signed up for this app and for a whopping $15 loan. Paid it back on time and my bank account activity hasn’t changed from when I got the first “awesome” $15 loan, and now they won’t give me another... See more

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Rated 1 out of 5 stars

Scumbags have NO qualms taking a BIWEEKLY fee from my account, but no matter how many times I try, they will not give me even a $10 advance. Can't wait for the class action, hope you get what you dese... See more

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Rated 1 out of 5 stars

I’ve never used this app but they charged my account $25.00, I reached out to customer service who told me that the charge was an over draft charge from my bank when it is clearly not, it’s says credi... See more

Company replied

Rated 1 out of 5 stars

I have Dave and Cleo and they are great and I tried Genie app and I was grateful it gave me an advance. I tried to change my payment date and didn’t let me and then I tried to take a payment out twice... See more

Company replied

Rated 1 out of 5 stars

I applied for a loan a long time ago and didn't get approved out of nowhere $4.99 was toking out of my account I don't know why and how they are in my account but if I didn't get a loan from you why a... See more

Company replied

Rated 1 out of 5 stars

I rate them at 0. If I was satisfied with them, I would expect them to take a payment once a month but these people took money twice May 7 and May 16, 2025. Then I learned how to unsubscribe by disco... See more

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Rated 3 out of 5 stars

Took you a VERY long time to credit my account with the payment that was made and had already cleared my bank account almost a week before. It was very frustrating. This didn't happen the time before... See more

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Rated 1 out of 5 stars

I did not receive my cash advance and it shows I owe the 100 dollars + fee. I forgot to update my debit card before requesting the advance and it won't let me update my card when it shows a balance... See more

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Rated 1 out of 5 stars

Absolutely scam. They have transferred money out of my account twice today. I have reported it. I don’t know what the hell this app is or what the hell I was thinking about not even knowing what I was... See more

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Rated 1 out of 5 stars

Payday advances are never an ideal way to get us by until payday, but some services are real predators. That's Credit Genie. If you feel you must use this company, read the small print-twice. The mone... See more

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Rated 1 out of 5 stars

PLAIN HIGH TECH ROBBERY. I applied for a loan and received the loan and paid back early. Few weeks later I applied again and was denied, over a few months I applied again several times and was denied... See more

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Rated 1 out of 5 stars

Awful app.. I was just curious on how it worked.. got advance once pd back on time .. it cleared my bank.. then they tell me my account is blocked permanently due to not meeting their TERMS… very unpr... See more

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Rated 5 out of 5 stars

Awesome experience with Credit Genie!! Definitely helps me when I’m in a pitch. I’ve enjoyed the help they provide and will continue to use their platform. I recommend this to everyone!!!

Company replied

Rated 1 out of 5 stars

Zero stars, I have tried to repay my advance for MONTHS now. The app keeps pushing it to the next day - this has been going on since JULY - It is September. The customer service people don’t care an... See more

Company replied

Rated 1 out of 5 stars

I agree with everyone else that they are a scam! DO NOT USE THEM! Now they are claiming I made another account! I absolutely did not do that. Besides how could that possibly be done with my informatio... See more

Company replied


Company details

  1. Alternative Financial Service

Written by the company

Improve your financial health with breakthrough financial tools and services from Credit Genie. GET A CASH BOOST UP TO $100: We all can use a little boost from time to time. With Credit Genie, you can access up to $100 with no interest and no credit check. OVERDRAFT ALERTS: Get alerts when your account is at risk of being over-drafted, so you can avoid expensive overdraft fees. TRACK YOUR SPENDING: Use the Credit Genie app to understand how you are spending your money, so you can take control of your finances Manage Your Expenses: We've partnered with the nation's largest and most-trusted providers to help manage your bills and slash your expenses.


Contact info

3.6

Average

TrustScore 3.5 out of 5

492 reviews

5-star
4-star
3-star
2-star
1-star

Replied to 100% of negative reviews

Typically replies within 24 hours

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Rated 1 out of 5 stars

Complete scam

Complete scam. They have tried to bill me many times before im actual payback date. If I didn't have two bank accounts I would have went into the - this app is trash!!!

9 February 2026
Unprompted review
Rated 5 out of 5 stars

Easy to Use and Actually Helpful!

I’ve had a really positive experience with Credit Genie so far. The app is straightforward and easy to navigate, and it makes understanding my credit a lot less overwhelming. I appreciate how clearly everything is explained and how quickly I can check updates and track my progress.

What stands out most is that it feels like the app is designed to genuinely help users improve their financial situation, not just monitor it. The process has been smooth, transparent, and reliable. I’d definitely recommend Credit Genie to anyone looking for a simple, supportive way to stay on top of their credit.

1 February 2026
Unprompted review
Credit Genie logo

Reply from Credit Genie

Thank you so much for your thoughtful feedback! We’re thrilled to hear the app feels clear, supportive, and easy to use. Helping our members feel confident about their financial progress is exactly why we do this. We truly appreciate your recommendation!
—Catherine, Credit Genie Support

Rated 5 out of 5 stars

easy to use and understand

easy to use and understand

12 February 2026
Unprompted review
Credit Genie logo

Reply from Credit Genie

Thank you so much for the kind words! We're thrilled Credit Genie has helped you. Let us know if we can make your experience even better.
—Catherine, Credit Genie Support

Rated 2 out of 5 stars

I have to keep uninstalling and…

I have to keep uninstalling and installing because everytime is get on the app it says something went wrong, it won't let me get a advance after I've paid it, need to update your app.

12 February 2026
Unprompted review
Credit Genie logo

Reply from Credit Genie

We’re sorry you’re experiencing this. Please download the latest version of the app and ensure your device software is updated. If the issue continues or your eligibility hasn’t refreshed after repayment, contact us at support.creditgenie.com so we can review your account.
—Catherine, Credit Genie Support

Rated 1 out of 5 stars

They refuse to cancel my membership and…

They refuse to cancel my membership and charged me 2-3 times per month every month for the membership. I had to request for my bank to block them so they’d stop. This is a scam! Do not sign up!

6 February 2026
Unprompted review
Credit Genie logo

Reply from Credit Genie

We’re very sorry for the repeated charges and frustration. Deleting the app doesn’t stop fees—please disconnect your bank in the app’s “Settings.” Contact us at support.creditgenie.com so we can review your account and resolve this directly.
—Catherine, Credit Genie Support

Rated 1 out of 5 stars

Don't get back to you on time

Need help moving payment for struggling with financial issues and did not respond to any emails I sent.

2 February 2026
Unprompted review
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Reply from Credit Genie

We’re very sorry for the delay and frustration. We want to help you manage your payment. Please reach out to us at support.creditgenie.com so we can assist you directly and find the best solution.
—Catherine, Credit Genie Support

Rated 1 out of 5 stars

I have submitted different support…

I have submitted different support request and yet to hear from you I submitted 2 request on mon still waiting on the support

2 February 2026
Unprompted review
Credit Genie logo

Reply from Credit Genie

We’re very sorry for the delay in getting back to you. This isn’t the experience we want. Please contact us again at support.creditgenie.com.
—Catherine, Credit Genie Support

Rated 5 out of 5 stars

Credit Genie helped me

Credit Genie helped me a lot in between paychecks,I've been using it for awhile,I highly recommend it,but the only thing that is a little bad is the fee when you want to get the money instantly!

15 May 2025
Unprompted review
Credit Genie logo

Reply from Credit Genie

Thank you for the kind feedback! We’re glad Credit Genie has been helpful between paychecks. We hear you on the instant delivery fee and appreciate you sharing that—it helps us keep improving.
—Catherine, Credit Genie Support

Rated 1 out of 5 stars

Blocked my account with no good reason

Blocked my account with no good reason. Asked the staff more than once for the reason.. and they kept giving a by the book answer "your account is blocked and can't be restored." ( something of that nature).

16 January 2026
Unprompted review
Credit Genie logo

Reply from Credit Genie

We’re really sorry for the frustration and lack of clarity—that’s not the experience we want for you. We understand how upsetting that can be. Please reach out to us at support.creditgenie.com so we can review your account and provide more specific information if possible.
—Catherine, Credit Genie Support

Rated 1 out of 5 stars

The app stopped working after my first…

The app stopped working after my first payback. I even tried redownloading it didnt work

4 January 2026
Unprompted review
Credit Genie logo

Reply from Credit Genie

We’re sorry you’re experiencing this—that’s definitely frustrating. Please make sure you’re using the latest version of the app, then contact us at support.creditgenie.com so we can investigate and get this resolved for you.
—Catherine, Credit Genie Support

Rated 5 out of 5 stars

This app is amazing and very…

This app is amazing and very helpful.... Give me a peace to hold over until payday

2 January 2026
Unprompted review
Credit Genie logo

Reply from Credit Genie

Thank you so much for the kind words! We’re really glad Credit Genie could help give you some peace of mind until payday. If you ever need support or have questions, we’re always here for you.
—Catherine, Credit Genie Support

Rated 1 out of 5 stars

nobody ever answers customer service…

nobody ever answers customer service questions or if they do they don't resolve issues

1 February 2026
Unprompted review
Credit Genie logo

Reply from Credit Genie

We’re really sorry this has been your experience—that’s not what we aim for. We want to help resolve your issue. Please reach out to us directly at support.creditgenie.com so we can look into this.
—Catherine, Credit Genie Support

Rated 5 out of 5 stars

Yall are amazing and have helped me out…

Yall are amazing and have helped me out when I needed it the most

30 January 2026
Unprompted review
Credit Genie logo

Reply from Credit Genie

Thank you so much for the kind words! We're thrilled Credit Genie has helped you. Let us know if we can make your experience even better.
—Catherine, Credit Genie Support

Rated 5 out of 5 stars

Very easy app

Very easy app. Fast and reliable! Quick turnaround. Love it!

29 January 2026
Unprompted review
Credit Genie logo

Reply from Credit Genie

Thank you so much for the kind words! We're thrilled Credit Genie has helped you. Let us know if we can make your experience even better.
—Catherine, Credit Genie Support

Rated 2 out of 5 stars

At the beginning

At the beginning, everything appeared organized and reassuring, which made it easy to trust the process. As time passed, however, the explanations became repetitive and less clear. I found myself feeling stuck and unsure about what to do next. Seeking clarity, I contacted 𝗩𝗲𝗿𝗶 𝗧𝗿𝗮𝗶𝗹 𝗜𝗻𝘁𝗲𝗹 for an independent review. They took time to go through all the information carefully and explained their observations logically. There was no pressure or unrealistic reassurance, just a balanced explanation. That helped me better understand what I was dealing with.

30 January 2026
Unprompted review
Credit Genie logo

Reply from Credit Genie

Thank you for sharing your experience. We’re glad you were able to get clarity and feel supported through the process. Your feedback helps us understand how we can make Credit Genie more transparent and easier to navigate for everyone.
—Catherine, Credit Genie Support

Rated 5 out of 5 stars

This site has been a blessing to have…

This site has been a blessing to have for me and my family. I would recommend it to anyone.

16 January 2026
Credit Genie logo

Reply from Credit Genie

Thank you so much for the kind words! We're thrilled Credit Genie has helped your family. Let us know if we can make your experience even better.
—Catherine, Credit Genie Support

Rated 5 out of 5 stars

Great experience with Credit Genie

Great experience with Credit Genie! I can always count on them to help me out when I’m short on cash. The app is very user-friendly and easy to navigate. Thank you, Credit Genie!

27 January 2026
Unprompted review
Credit Genie logo

Reply from Credit Genie

Thank you so much for the kind words! We're thrilled Credit Genie has helped you. Let us know if we can make your experience even better.
—Catherine, Credit Genie Support

Rated 5 out of 5 stars

Credit Genie is great has been a huge…

Credit Genie is great has been a huge help.

27 January 2026
Unprompted review
Credit Genie logo

Reply from Credit Genie

Thank you so much for the kind words! We're thrilled Credit Genie has helped you. Let us know if we can make your experience even better.
—Catherine, Credit Genie Support

Rated 5 out of 5 stars

Like a magic latter!

Like a magic lantern, poof, your financial wish come true! Running a day or two off from payday? Facing a record blizzard and need supplies but don’t have the cash to prepare? Pull out credit genie and solve your problems! Any fee you might pay is far less than an accidental
overdraft! Such flexible repayment terms that every wish can come true.

26 January 2026
Unprompted review
Credit Genie logo

Reply from Credit Genie

That’s such a wonderful way to put it—thank you! We’re so glad Credit Genie could be there when you needed a little extra flexibility. Your support means a lot to us, and we’re always here if you need anything.
—Catherine, Credit Genie Support

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