By Editorial Team
Last Updated: Nov 13, 2025
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We went over the latest 1100 FloatMe app reviews in November so you don't have to, and summarized them to tell you what users really think! 🧐
FloatMe shows a 4.7 lifetime rating from 186k+ combined App Store and Google Play reviews. More recent feedback lands at 4.2 (through November 2025), hinting at a slight dip worth noting before you decide whether the app meets your needs.
4.7
186K Reviews
Google Play
4.6
65K Reviews
iOS App Store
4.8
121K Reviews
On this page
Table of contents
Users say
FloatMe really does shoot a quick $20-$50 to many accounts in minutes and auto-pulls it back on payday, which users find handy for gas or groceries. The catch is a $4.99 monthly membership (plus a $3-$5 instant-transfer fee) that’s charged up front; plenty of reviewers paid it only to be told they weren’t eligible for a float. Advances start low and often stay there—long-time members say they’re still capped at $20-$50 despite spotless repayment. Glitches around bank reconnection, endless verification loops and login lockouts are common, and support is ticket-only, so issues can drag on. Several people also report continued fees after canceling, calling the setup “scammy,” while others are fine with the service as long as they treat it as emergency pocket change rather than a real loan.
👎Subscription Cancellation
👎Subscription Model
👎Advertising Accuracy
👎App Stability
👎Bank Compatibility
👎Fees & Costs
Approval Process
Customer Support
👍Loan Amounts
👍Financial Education
👍Funding Speed
👍Repayment Terms
👍Ease of Use
👍Reliability
What users like most
Ease of Use
Users appreciated the app for being easy to use and navigate, providing quick access to funds when needed.
Quick Cash Access
Many users found the app helpful for obtaining small cash advances quickly, especially in emergencies.
Reliable Service
The app was praised for being reliable and providing funds when users were in a pinch.
Common complaints
Subscription Fees
Users were frustrated with the mandatory subscription fee, especially when they were not approved for advances.
Limited Loan Amounts
Many users were disappointed with the small loan amounts offered, often only $20 to $30.
Unauthorized Charges
There were numerous complaints about unauthorized charges and difficulties in canceling subscriptions.
Summary by feature
Positive
2%
Negative
98%
Many users complain about difficulties in canceling their subscriptions with FloatMe. They report being charged fees even after attempting to cancel their accounts, with some mentioning unauthorized charges continuing for months. The cancellation process seems cumbersome, with users expressing frustration over unresponsive customer service and a lack of clear instructions. The sentiment is overwhelmingly negative, with users feeling trapped by a service they no longer wish to use.
App reviews talking about Subscription Cancellation:
"...they will refuse to cancel your account - And they will continue. To take fees out of your account without your authorization..."
"I have canceled my subscription and I keep getting charges for the subscription..."
"...it took me a month after constantly pressing cancel membership to actually cancel it..."
FloatMe customer service
Examining how FloatMe replies to user complaints reveals much about their customer service philosophy. You'll see whether they actively respond to complaints and take a user-first approach, or tend to shift blame onto the users. This analysis aims to provide a comprehensive understanding of their commitment to customer satisfaction.
About 16% of the recent reviews are complaints, and almost all of them (roughly 97%) get a response from the team. Even when users are blunt, support typically offers helpful next steps instead of brushing them off. Truly dismissive answers are uncommon, though plenty of replies are fairly neutral, so you might still need a follow-up for complete clarity.
Here are the detailed metrics:
4/5
Customer Service Score
Based on recent 400 app review replies
⚠️
Complaints severity
40%
Ignore rate
3%
Negative tone
3%
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4.2
26K Reviews
Monthly fee
Free
Advance amount
$40 - $200
Eligibility
Need verified income, three-month healthy deposits, and previous Gerald advance.
Features
Cash advances to $200, Buy now pay later shopping, Mobile plan financing, In-app bill management
3.5
40K Reviews
Monthly fee
$2.47
Advance amount
$5 - $1000
Eligibility
US adults with verified income, healthy deposits pass Beem's review.
Features
Instant $1,000 advances, 5% savings wallet, Credit-builder card, AI budgeting, Up to 10% cash-back
4.7
606K Reviews
Monthly fee
$8.00
Advance amount
$10 - $400
Eligibility
Adults in eligible states with active, steady-income account qualify responsibly.
Features
Cash advances, credit-builder line of credit, revolving credit, automatic savings, credit score monitoring
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