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 financesManage Your Expenses: We've partnered with the nation's largest and most-trusted providers to help manage your bills and slash your expenses.
Written by the business, not verified by us.Credit Genie (creditgenie.com) has a 3.7 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is mixed. Opinions are polarized: 65% rate it 4 stars or higher while 26% give 1 star; The business has replied to 94% of negative reviews; Reviews mostly discuss User experience, App, Customer service. Last updated 2026-08-12.
Most reviewers were somewhat happy with their experience overall. Consumers frequently mention that the platform is very easy to navigate and provides helpful financial support when they are short on cash. People truly appreciate the straightforward application process, quick daily deposits, and reliable assistance during tight financial spots. Many users find the service dependable for managing emergency expenses and building small credit amounts securely. Some reviewers were not happy with unexpected membership charges and frustrating automatic payment issues. A few other people also felt that customer support is extremely difficult to reach when trying to resolve account problems or request refunds.
Auto-generated from all reviews of this business. For reference only.Thank you so much for the love! We’re thrilled Credit Genie is your favorite and that we can be there when you need us. Let us know if we can make your experience even better. —Stacey, Credit Genie Support
Easy application and payment process. Great App to have in a crunch. Helpful as well with spending habits, loan options, and credit debt monitoring and support.
Thank you so much for the kind words! We’re thrilled Credit Genie has been helpful when you needed it most, and that you’re enjoying the tools. Let us know if we can make your experience even better. —Stacey, Credit Genie Support
I’VE NOTICED credit genie RESPONDS TO Y’ALL‘S NEGATIVE REVIEWS, FASTER THAN IT CAN RESPOND IN THE APP TO SOMEONE THAT NEEDS HELP And unfortunately THAT SHOWS A LOT hey credit genie.. JUST AS FAST AS YOU RESPOND TO THESE BAD REVIEWS you should respond with a human in the app how about CREDIT GENIE CEO OR OWNER can work to help line… your the boss right?
We’re sorry support hasn’t met expectations. You deserve timely help from a real person. Please reach out at support.creditgenie.com so our team can assist directly as soon as possible. We appreciate the feedback and will share it internally. —Stacey, Credit Genie Support
Credit Genie started out fine. Then the overcharges started to happen. First the monthly fee charged 2 times. They would catch it then refund you. Then the payment started to double. This last time, they charged me $167.99 3 times over a holiday weekend. Then tell me it may take 5 business days on there end to correct the situation. Credit Genie needs a new system. I wouldn't trust them anymore. Seems like they are trying to boost there numbers and leave people helpless while they take there time refunding you. I'm really disappointed as they were easy to use. No more, will cancel. Update: They processed a refund on the 6th claiming 24 hours. It is now the 10th, "No Refund" as of yet 🤷🏾♂️.
We’re sorry for the frustration and the billing trouble. Please contact us at support.creditgenie.com so we can review the charges and help resolve this ASAP. —Stacey, Credit Genie Support
I wouldn’t even give them one star, this is a HORRIBLE app. They’ve charged me over $200 multiple times, completely unauthorized. They have no contact number, the dumb chat bot doesn’t do shit, the only way to contact anyone is to submit a message WHICH NEVER GETS A RESPONSE. They’ve now stolen over $500 from me. DO NOT USE THIS APP!!!
We’re sorry for the frustration and want to help. Contact us at support.creditgenie.com so we can review your account and make this right. —Stacey, Credit Genie Support
This Credit Genie charged my card at 1 o'clock in the morning which was my first indication something wasn't right. I tried contacting them and as usual a person with such a heavy accent answered and I couldn't understand him or her. Then I found out its connected to Credit One Bank and online games. I'm so sick of companies like this and their scams! So now I have to cancel my card and wait weeks to get my money back!
We’re sorry for the frustration. Charges are typically linked to an active membership or authorized transaction, and we take concerns about unexpected billing seriously. Please contact support.creditgenie.com so we can review your account and help resolve this. —Catherine, Credit Genie Support
Awful, too many error, processing is so long the payment would be considered late. 5 days to process from direct withdrawal is insane. It actually takes 5 whole days, sometimes 7. Definitely would not recommend.. it doesn’t help with anything. Loans stay at a standstill very low no matter the amount in your account. Almost no customer service, dates randomly change for withdrawal after already signed up for the withdrawal. It’s one of the worst I’ve tried. Definitely would not recommend. They definitely emailed me to ask me to share my experience.
We’re sorry for the frustration and the experience you described with delays, payment timing, and support. We understand how important reliable processing and clear communication are, and we’d like to review this with you. Please contact us at support.creditgenie.com so we can help. —Catherine, Credit Genie Support
Please please dont take cash advance from this scam company. I applied for cash advance for 100 and didnt get credited yet but they debited 804.93 ( 7 * 114.99) transactions so far. I created several tickets and no responses at all. really scam company and horrible service. I am going to file a case against that company as without authorization they debited my account. please dont take from this stupid scam money and have better apps if you want.
We’re sorry for the frustration. We take concerns about unauthorized charges and account access very seriously. Please contact us at support.creditgenie.com so we can urgently review your account, investigate these transactions, and help resolve this for you. —Catherine, Credit Genie Support
CREDIT GENIE WILL LIE TO YOU WHEN THEY SAY U CAN GET A 100 DOLLARS ITS A LIE THEY WILL TELL YOU YOUR CARD DOESNT WORK THEN THEY WILL ASK YOU ABOUT YOUR PERSONAL ACCOUNT DONT DONT BELIEVE CREDIT CARD GENIE IT IS A SCAN I HOPE THE FEDS SHUT THIS FAKE APP DOWN
We’re sorry to hear about your frustration. Credit Genie is a legitimate service, and we take concerns like this seriously. Eligibility and advance amounts depend on bank activity, and payment methods must meet verification requirements. Please contact us at support.creditgenie.com so we can review your account and help. —Catherine, Credit Genie Support
Horrible! I can't add my debit card; it says it's a gift card. To try again, I have to wait 24 hours which I did. It told me the same thing again. I tried robo chat and AI customer service, no help at all even though it says they are open 9am to 5 pm every day. You really can't use their "instant" boost cash without a debit card.
We’re sorry for the frustration. We understand how important it is to successfully add your debit card and access your advance. Please make sure you’re using the latest version of the app and that your card is a supported debit card (not prepaid or gift cards). If the issue continues, contact us at support.creditgenie.com so we can help troubleshoot. —Catherine, Credit Genie Support
I love this app, really helps me get by when I really need it.
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
Very quick and easy, deposits are lightning fast, and the app is user friendly!
Thank you so much for the kind words! We're thrilled to hear you’re enjoying the app and that deposits have been quick and easy for you. We appreciate you sharing your experience. —Catherine, Credit Genie Support
I asked for a REFUND of $4.99 as I terminated my account in January 2026. I also requested to have my personal ACCOUNT NUMBER/ ROUTING NUMBER and DEBIT CARD INFO to be deleted. None of these happened. My issue hasn't been resolved.
We're sorry your issue remains unresolved. Please reach out to us at support.creditgenie.com so we can review your refund request and account information concerns directly. We'd like the opportunity to assist further. —Catherine, Credit Genie Support
First you force people to get your monthly plan.also your the processing time it takes forever. And the fact that you can't pay your little loan back before the due sucks
We’re sorry to hear about your experience. We understand concerns about fees, processing times, and repayment flexibility can be frustrating. Eligibility and repayment options are determined by our automated system and can vary by account. Please contact support.creditgenie.com so we can review your situation and help. —Catherine, Credit Genie Support
Just using when there’s unexpected expenses after bills are paid and it is delivered same day.
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
Love the ease of building my cash out amount. the availability /support and respect
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
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
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
Love it comes in handy when I need it 10/10
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
Makes boost due every couple days, not on paydays. I've contacted customer service multiple times to no avail. They say you can change/correct the date but it doesn't. I believe it's just a way to charge fees🤷
We’re sorry for the frustration. Repayment dates are set based on account activity, and changes may not always reflect immediately across cycles. Please ensure you’re on the latest app version and contact support.creditgenie.com so we can review your schedule with you. —Catherine, Credit Genie Support
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