Is App Legit - All Articles
Check if an app is legit or not before trusting it with your money. We investigate Dave, Brigit, and other cash advance services by looking at their company history, what users say, complaint records, and regulatory status. Read more below to make sure you're on the safe side.
Is Chime SpotMe app legit?
Chime SpotMe is a legit cash advance feature offered by Chime. It allows eligible members to overdraw their accounts up to a certain limit without incurring overdraft fees. Starting with a limit of $20, users can see this increase up to $200 or more based on factors like account history and how often they receive direct deposits. SpotMe automatically covers transactions that exceed your available balance, including debit card purchases and cash withdrawals. While there's no specific general information or official complaints provided, Chime SpotMe offers a transparent service with no hidden fees or interest charges, making it a solid option if you're looking for fee-free overdraft protection.
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Is Dave app legit?
Yes, Dave is a legit cash advance app. The company is headquartered in Los Angeles and claims to have helped over 4 million members get ExtraCash™ as of July 2025. Dave isn't a bank itself; banking services and the Dave Debit Mastercard® are provided by Evolve Bank & Trust, Member FDIC, under a license from Mastercard. They offer features like quick cash advances up to $500 with no credit check or interest, fee-free checking accounts, and opportunities to earn extra money through side hustles and surveys. If you need assistance, their customer service is available via email at support@dave.com or by phone at (844) 857-3283, Monday to Sunday from 4 AM to 6 PM PT.
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Is Brigit app legit?
Brigit is a legit cash advance app. The company, Bridge It, Inc., was founded in 2017 and is headquartered in New York City. They claim to have over 9 million users. While Brigit is legit, it's important to note that in 2023, the FTC took action against them for deceptive practices, and in 2024, they had to return over $17 million to their users. Additionally, between April and June 2025, several official complaints were filed against Brigit for issues like false advertising, overcharging, unauthorized withdrawals, and poor customer service.
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Is EarnIn app legit?
EarnIn is a legit cash advance app. Founded in 2013 by CEO Ram Palaniappan, the company is headquartered in Mountain View, California. EarnIn has rebranded twice: first from Activehours to Earnin in November 2017, and then to EarnIn in January 2023. The company claims that millions are managing their earnings through the app. As of October 2023, there are no known official regulatory complaints or lawsuits against EarnIn involving general malpractice. While EarnIn is a legitimate company, it's always a good idea to check official regulatory websites or recent news sources for any updates. Keep in mind that EarnIn is a financial technology company, not a bank, and banking services are provided by Evolve Bank & Trust, Member FDIC.
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Is Empower app legit?
Empower cash advances come from Empower Finance, Inc., a fintech headquartered at 9169 W State St #499, Garden City, ID 83714 (they also list a San Francisco address). The service is delivered through the Empower app on iOS and Android; Empower isn’t a bank, so funds move through nbkc bank, Member FDIC, which provides the FDIC coverage for any deposits. Advances top out at $400 (the average offer in Feb 2025 was $96 for first-time users and $167 for returning users), arrive with no interest, late fees or credit checks, and Empower promises to reimburse any overdraft fee it triggers when collecting repayment. Support is available 24/7 by email (help@empower.me) and by phone at +1 747-221-9389 on weekdays. We didn’t find any official regulatory complaints listed against the company, so, based on the available information, Empower cash advance appears to be a legitimate option.
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Is Klover app legit?
Klover is a legit cash advance app. Founded in 2019 and headquartered in Chicago, Klover Holdings, Inc. claims that over 2 million people have used their service. There are no known official regulatory complaints or class action lawsuits against Klover.
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Is Albert app legit?
Albert is a legit cash advance app. The company claims that over 10 million people have joined Albert, saving and investing over $1.5 billion, and managing over $5 billion through their platform. Albert is headquartered in Covina, California. There are no official complaints about Albert.
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Is MoneyLion app legit?
MoneyLion is a legit cash advance app. Founded in 2013, it aims to help Americans who might not have access to traditional banking by offering low-cost or free financial services without credit checks. While MoneyLion is a legitimate company, it's important to note that in November 2023, the Colorado Attorney General announced a settlement with them after an investigation found they collected illegal membership fees from Colorado consumers tied to loans. MoneyLion agreed to return $271,000 to affected consumers and pay $75,000 for restitution and consumer protection efforts. Additionally, in September 2022, the Consumer Financial Protection Bureau (CFPB) sued MoneyLion for alleged violations of the Military Lending Act, but the lawsuit has been paused pending a Supreme Court ruling on the CFPB's funding structure.
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Is Cleo app legit?
Cleo is a legit cash advance app. The company, Cleo AI Inc., is headquartered in Wilmington and claims that millions of people rely on their services. While Cleo is legitimate, it's important to note that in March 2025, the FTC filed a lawsuit against them for deceptive practices. The FTC alleged that Cleo misled users by advertising cash advances of "up to $250" when most received significantly less after subscribing. They were also accused of not clearly disclosing express fees for same-day access and making it difficult for users to cancel subscriptions. As part of a settlement, Cleo agreed to pay $17 million in refunds and is under a ten-year consent order to prevent future deceptive practices.
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Is FloatMe app legit?
FloatMe looks legit. The app lets you snag interest-free “Floats” of $10–$50 at first (up to $200 over time) with no credit check, no tips, and no late fees. You set the repayment date, missed payments just pause new Floats, and nothing gets sent to collections or the credit bureaus. Cash shows up in 1-3 business days for free or instantly for a $1–$7 fee. We couldn’t find any official regulatory complaints against FloatMe.
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Is Vola Finance app legit?
Vola Finance is a legit cash advance app that offers users instant access to cash advances up to $500 without credit checks, interest charges, or overdraft fees. Users can receive funds instantly through the Vola Card or directly to their bank account and choose flexible repayment options without late fees or debt collection worries. The app also provides tools for credit building, budgeting, expense tracking, and overdraft protection to help users manage their finances effectively.
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Is Beem app legit?
Beem is a legit cash advance app developed by Line Financial, PBC, a Public Benefit Corporation based in San Francisco, California. The company claims to be trusted by over 1 million Americans. While Beem is legitimate, it's important to note that between April and June 2025, several official complaints were filed against them regarding unfair billing practices and difficulties in canceling subscriptions. Users reported ongoing charges and obstacles in closing their accounts despite their requests. These issues suggest there may have been problems with Beem's billing and subscription cancellation processes during that period.
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Is Grid Money app legit?
Grid Money is a legit cash advance app developed by Hatfield, Inc., headquartered in San Francisco. They offer cash advances up to $200 with flexible access, no credit checks, and no interest or late fees. As of July 2025, there are no known official complaints about Grid Money. It's always a good idea to review their terms and make sure the app fits your needs.
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Is Gerald app legit?
Gerald is operated by Gerald Technologies, Inc., a New York–based company backed by the startup accelerator Y Combinator. The app lists clear support channels (support@joingerald.com and +1 862-800-2564) and, as of July 2025, there are no recorded regulatory complaints against it. Gerald offers cash advances up to $200 with no fees, interest, or credit checks; however, you need to put part of the advance toward a Cornerstore purchase if you want a free instant transfer. From the available information, Gerald functions as a legitimate, VC-backed business rather than an anonymous pop-up app.
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