We offer a true alternative to the vicious cycle of predatory lending. Using cutting edge technology to go beyond people’s credit score. Our proprietary algorithms look at the person's ability to handle a small loan, and how to best structure it so that it doesn't overwhelm them.
Written by the business, not verified by us.
Is OneBlinc legit?
OneBlinc (oneblinc.com) has a 4.2 out of 5 rating on OK.one, based on 200 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 78% of reviews are 4 stars or higher and 13% are 1 star; The business has replied to 87% of negative reviews; 1 of them were added in the last 12 months. Last updated 2026-09-05.
I love you guys... you guys always have my back... the absolute best 👌
Reply from OneBlinc2024-03-21
Hi Tera,
Wow, we're blown away by your kind words! It's fantastic to hear that you feel supported by us.
We promise to continue providing the same level of service and always having your back. We're just as thrilled to have you as part of our OneBlinc family! Thanks for making our day with your review.
And Tera, mind supporting us at our social channels? We'd love to have you even closer to us.
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
Linkedin: www.linkedin.com/company/oneblinc1
Thanks for being here!
Best regards,
The OneBlinc Team
Hello Joseph,
We're more than thrilled to hear that we were able to assist you when you needed it most! Ensuring our customers feel supported is our top priority at OneBlinc.
Thank you for taking the time to share your positive experience with us. We're here for you anytime you need!
Also Joseph, mind supporting us at our social channels? We'd love to have you even closer to us.
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
Linkedin: www.linkedin.com/company/oneblinc1
Best regards,
The OneBlinc Team
App has been awesome for the past year. Just recently, my limit was reset for a late payment made because of an update to the app. My due date has been the same for a year and it has never been late until recently. Now, I have to build my limit back up which will probably take me months to do.
Reply from OneBlinc2024-03-21
Hello Reeva,
We're glad to hear that you've been enjoying our app and we're sorry to hear about the issue you've faced recently due to the update. We understand how important it is for you to maintain your limit and we certainly don't want to set you back.
We would love the chance to look into this for you and see what we can do to mend the situation. Could you please reach out to our customer support team at [email protected] ?
We will do our best to resolve this issue promptly and to your satisfaction.
We appreciate your patience and understanding, and are committed to improving your experience with OneBlinc.
Best,
The OneBlinc Team
Hello Sylvia,
We are MORE THAN thrilled to hear about your wonderful experience with us! It's our pleasure to provide the best service possible. We value your feedback and look forward to continuing to serve you. Thank you for taking the time to share your positive review.
And Sylvia, could you show your support for us on our social media platforms? We would appreciate having you closer to us.
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
Linkedin: www.linkedin.com/company/oneblinc1
Wishing you all the best,
The OneBlinc Team
The process is very easy to complete! And knowing what documents to provide at the beginning of the process is very helpful!
Reply from OneBlinc2024-03-21
Hello Patrick,
Thanks for your awesome review and 5-star rating! We're thrilled to hear how easy you found our process and that our upfront communication about required documents was helpful. We aim to provide a seamless and efficient experience for our customers. Your feedback is greatly appreciated! Our team will be more than happy with this one!
We're here if you need anything else. Thanks for choosing OneBlinc!
Also Patrick, could you show your support for us on our social media platforms? We would appreciate having you closer to us.
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
Linkedin: www.linkedin.com/company/oneblinc1
Wishing you all the best,
The OneBlinc Team
This is the best app hands down.I have tried others and wasn’t satisfied.I see no reason for change.Thank you for your service
Reply from OneBlinc2024-03-14
Hello Aletha,
We're MORE THAN thrilled to know that you find our app to be the best! Our team is dedicated to providing the best service possible, and your feedback helps us know we're on the right track.
Thank you for sticking with us, and if there's anything we can do to make your experience even better, please don't hesitate to let us know.
Also Aletha, we'd also like to invite you to follow us on our social channels so you can get to know us even better!
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
Linkedin: www.linkedin.com/company/oneblinc1
Thanks for being with us!
Best Wishes,
The OneBlinc Team
While the process to apply for a loan is streamlined, it often takes considerable time compared to alternative companies’ offering loans to government employees.
It is very challenging to reach a human being, and when I do it is a Filipino that provides no answers beyond what the AI chat bot provides.
This is because the loan process is determined by AI. Thus, to share, I’ve not been able to refinance in 6 months and I’ve made on time payments through salary allotment. I don’t need some PR rep to comment here explaining that AI makes this decision from a myriad of factors, so please don’t respond saying the same thing I just wrote. My point in mentioning is for others to beware that you may be stuck with a loan that you can’t refinance if any further emergency comes up down the road.
Overall, I would recommend other companies (ex: bmg money, kashable, etc).
Reply from OneBlinc2024-03-14
Dear Holly,
We're truly sorry for any inconvenience you've encountered. Your feedback is incredibly important to us, and we're grateful you've taken the time to share your concerns.
At OneBlinc, our team hails from diverse backgrounds. While our customer service center calls Miami, Florida home, it's possible your call connected with our overseas team. Our Filipino colleagues are not only knowledgeable but also highly efficient in assisting our valued customers, and we take great pride in their contribution to our team.
Please rest assured, we take your feedback to heart. Continuous improvement of our services, including our AI systems, is a constant endeavor for us.
We hear your concerns regarding loan refinancing loud and clear and understand the frustration it may cause. Our commitment to your financial flexibility remains unwavering, and we're actively exploring ways to refine our processes to better serve your needs.
Warmest regards,
The OneBlinc Team
Hello Shannon,
We're grateful you took the time to share your thoughts and insights with us.
Although it's not a surprise....It's disappointing to hear that our refinancing rates haven't met your expectations. Our goal is always to deliver competitive rates, and your feedback is crucial for our ongoing improvement efforts.
We understand the importance of interest rates, especially in today's economic climate. Please know that we're committed to offering the most reasonable rates possible and continuously review our policies to better serve you.
Thank you once again, Shannon. Your feedback and your business are highly valued by our team.
We're dedicated to earning that 5-star review from you by enhancing our services.
Warmest regards,
The OneBlinc Team
It is always there to help me out when I am in a bind.
Reply from OneBlinc2024-03-14
That's right - We are always here for you. That's a commitment.
Thank you for taking the time to leave us a 5-star review. It means a lot!
We'd like to invite you to follow us on our social channels so you can get to know us even better!
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
Linkedin: www.linkedin.com/company/oneblinc1
Thanks again for being with us!
Best Wishes,
The OneBlinc Team
This is a Awesome App for extra funds in a emergency situation
Reply from OneBlinc2024-03-14
Hello Gregory,
We're thrilled to hear that you find our app awesome and helpful in emergency situations! We're always here to provide you the help you need when you need it. Your positive feedback means a lot to us.
Thank you for your 5-star review and for choosing OneBlinc.
And Gregory, we'd like to invite you to follow us on our social channels so you can get to know us even better!
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
Linkedin: www.linkedin.com/company/oneblinc1
Thanks again for being with us!
Best Wishes,
The OneBlinc Team
What I like about your service is the flexibility on being able to change or choose your payment date instead of it just being set in stone for your next payday. Even though unexpected things can happen and you need to take an advance, well another unexpected thing can happen before you pay that Advance back and you may need that money on your paycheck. Other companies who offer like services most of them will not even allow you to change your repayment date. I prefer you guys over anybody else.
Reply from OneBlinc2024-03-14
Hello Coleman, how are you today? OneBlinc Customer Success Team here!
We're thrilled to hear that our flexible repayment dates are making a difference for you! We understand that life can be unpredictable, which is why we've designed our service to be as accommodating as possible.
We're here to help, not hinder! Your preference and support mean the world to us! Thank you for taking the time to share your experience and for choosing us over others.
And Gregory, we'd like to invite you to follow us on our social channels so you can get to know us even better!
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
Linkedin: www.linkedin.com/company/oneblinc1
Thanks again for being with us!
Best Wishes,
The OneBlinc Team
This is by far the BEST app for a payroll advance! No jumping through hoops. It's simple and you get the money immediately. The amount continues to increase as long as you make your payments on time. Five stars for this one!
Reply from OneBlinc2024-03-12
Hello Aldi,
We're more than thrilled to hear that you're finding our app to be a great option for payroll advances! We work hard to keep things simple and efficient for our users, so your feedback means a lot to us.
Thank you for being a reliable member of our community and for taking the time to leave us such a wonderful review. We're here if you ever need anything!
We'd also like to invite you to follow us on our social channels so you can get to know us even better!
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
Linkedin: www.linkedin.com/company/oneblinc1
Thanks for being with us!
Best Wishes,
The OneBlinc Team
Blinc's Contradicting Service wrote one review and they wrote me…
I wrote one review and they wrote me back and lied to me on Trust pilot.
They connected to my Bank using Plaid, but say they cant connect to my bank and cant find my direct deposit when it was there the first time I tried to sign up.
Then I get an email saying I will get 30 days free Blinc Prime?
I havent even gotten advance yet and they want a payment?
Reply from OneBlinc2024-04-02
Hello Kathy,
We regret the confusion and understand the frustration this may have caused. It seems there has been a misunderstanding, and we would like to provide clarification.
We utilize Plaid for secure bank connections, but occasional technical issues may hinder successful connections.
Encountering such issues does not signify an inability to connect to your bank; rather, it indicates a temporary problem that requires attention. Our team is always prepared to assist in troubleshooting these matters in real time.
Below is a comprehensive overview of the costs associated with our BlincAdvance product:
- 30-Day Free Trial: Upon downloading the OneBlinc app, customers can advance up to $50. A $5 fee is applicable ONLY IF the Instant Deposit option is chosen.
- During the trial period, you can request up to 2 advances.
- Post the trial period, you have the option to enroll as a member, with an $8.99 subscription fee ensuring unlimited access to BlincAdvance.
- Each timely payment you make unlocks higher advance amounts. Additionally, the duration of your subscription also influences the availability of higher amounts.
These are the costs and fees linked to our services. Transparency is paramount to us.
Regarding the OneBlinc Prime offer, this is a promotional benefit extended to all customers, irrespective of whether they have availed an advance. It is not a payment demand but an opportunity to enjoy premium features at no cost.
We are eager to address your concerns and enhance your experience. Please contact us at 855-400-0449 or via email at [email protected] for further assistance.
Best regards,
The OneBlinc Team
it'awesome when I need $50 its there & then it comes out of my account on payday ! flawless !
Reply from OneBlinc2024-03-12
Hello John,
You got our team to smile when hearing that you find our service awesome and flawless! Ensuring our customers can conveniently access the funds they need, when they need them, is at the heart of what we do.
We're so glad that we're able to meet your expectations. Thank you for your wonderful review and for giving us a perfect score.
We are here for you anytime!
And John, we'd also like to invite you to follow us on our social channels so you can get to know us even better!
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
Linkedin: www.linkedin.com/company/oneblinc1
Thanks for being with us!
Best Wishes,
The OneBlinc Team
The first time I tried this App was a terrible experience
I have a full time job and because my credit score is low I was denied access to anything that this app offers and I think it’s unfair
Reply from OneBlinc2024-04-02
Hello Barbara,
We're deeply sorry to hear about your disappointing experience as we strive to assist everyone, regardless of their credit score.
We apologize if it seemed otherwise.
Although there are no guarantees, we'd love to reevaluate your case, and possibly provide alternatives that may fit your circumstance.
Please reach out to us at your earliest convenience so we can work this out together. Our email: [email protected]
We truly value your feedback and hope to turn your experience around.
Best regards,
The OneBlinc Team
Thanks for the help I needed between paychecks. Easy process and flexible payment options. Its a must have.
Reply from OneBlinc2024-03-12
Hello Dennis,
We're thrilled to hear that our service was able to help you when you needed it the most! Our goal is to make the process as easy and flexible as possible for our valued customers like you.
Thank you for sharing your positive experience with us.
Best wishes,
The OneBlinc Team
The online application makes it easy to apply.Their response was fast. It's set up to come straight from my payroll check so I don't really miss it and I do not have to worry about keeping up with when to make the payment. The payroll advance is nice when you need a little extra before payday.
Reply from OneBlinc2024-03-12
Hi Kim,
Wow, we're overjoyed to hear that you've found our application process straightforward and our payroll advance service helpful!
We're all about making things easier for you and we're thrilled that you're benefiting from it. Your feedback is greatly appreciated. Remember, we're here if you need anything else.
Best wishes,
The OneBlinc Team
Its not bad however each advance does not count towards your increase availability. They will count one out of every 3. It sucks that they cheat like that but its a shady loan company. What can you expect right. They have to take advantage of you every way they can.
Reply from OneBlinc2024-03-12
Dear Ronneyg,
I hope you're doing well today.
We regret to hear about your concerns and truly value your candid feedback. At OneBlinc, our commitment to transparency and supporting our customers is unwavering.
Please understand that our advance availability adjustments are influenced by various factors such as repayment history, account standing, duration of app usage, and subscription renewals. This approach aims to encourage responsible borrowing and safeguard our customers from potential financial strain.
We are constantly striving to enhance our services and communication based on feedback like yours. Should you have further questions or concerns, we're here to listen and assist you, all the way till we deserve a 4th and 5th stars from you.
Thank you for sharing your thoughts with us.
Warm regards,
The OneBlinc Team
Hi Stephanie,
We're absolutely thrilled to hear that you think our service is excellent and fair. Your positive words mean a lot to us and it's customers like you who make our job wonderful.
Thank you for taking the time to leave this short but fantastic review. We promise to continue delivering the same high standard of service in the future!
Best Wishes,
The OneBlinc Team
Hello Mandy,
We're thrilled to hear that our service has been a helpful resource in managing your bills. We always aim to make financial matters easier for our users and it's wonderful to know we're succeeding in that.
Thank you for your 5-star review. We appreciate your support and are here for you anytime you need us.
Also, we'd like to invite you to follow our social channels:
Instagram: @Oneblinc_usa (NEW!)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
LinkedIn: www.linkedin.com/company/oneblinc1
Thanks for being here,
The OneBlinc Team