FloatMe: Fast Cash Advance App
by FloatMe
App Store
Finance
Free
4.8
Rating
105,506
Reviews
-
Downloads
26
Views
Description
Meet FloatMe, your Best Financial Friend designed to help you get, manage, and save money. Get fast cash advances directly to your bank account by becoming a member.* No credit checks. No interest. No request for tips ever. Repay when you get paid or can afford it.
FLOATS / CASH ADVANCES**
Pay bills, get gas, or buy groceries with cash advances. FloatMe helps you unlock your earned but unpaid wages fast with Floats. Download the app today and connect your bank account to get started. Once you're a member, request Floats be delivered to your bank account in 3 days or less. Need funds immediately? We'll expedite your Instant Float within minutes for a small fee.**
First time approval amounts range from $10-$50. Not all members will qualify and many will not qualify for the maximum amount right away.
BUDGET TOOLS & INSIGHTS
Explore easy-to-use money management tools that come with your membership, including a smart look ahead with the cash flow calendar. FloatMe calculates your likely available balance based on your recurring expenses and projected paydays.
LOW BALANCE ALERTS
Know where your bank balance is at all times. With low balance alerts, we'll let you know when your funds are getting low, to help you avoid those pesky overdraft fees.
MARKETPLACE OFFERS
Click on easy ways to earn money, like taking an online survey. Explore financial products from our growing list of partners. We find deals and offers to provide to our budget-minded FloatMe members.
SECURELY CONNECT
FloatMe uses Plaid Portal to securely connect your bank accounts with 256-bit bank-level security to keep your information safe. Plaid seamlessly works with over 10,000 banking institutions across the US. We do not support prepaid cards.
ABOUT US
FloatMe launched in early 2020 with a mission to guide millions of Americans to achieve financial prosperity. We accomplish this by bridging small cash gaps with Floats and providing access to budget management tools.
MEMBERSHIP
* Membership costs $4.99/month and provides access to FloatMe's suite of financial products and services. Subscription fee is auto-renewed every month unless canceled. You can cancel anytime in-app or by contacting our support team at support@floatme.com
Questions? You can contact us through our support portal at www.floatme.com/support
** Cash Advances:
Membership is required to request cash advances; approval of your request is not guaranteed. Membership costs $4.99/month and provides access to FloatMe's suite of financial products and services. Not available in all states. Advances are NOT loans and have no mandatory min or max repayment period. FloatMe's advance service is not a loan nor is it a contracted obligation to repay a loan. We are NOT a payday loan, cash loan, or personal loan app, nor an app to borrow money. Money advanced has 0% max interest. 0% APR. Instant Float fees are not included in the monthly membership cost and are optional. Instant transfer fees vary from $1-$7.
Example 1: If you accept a $50 Cash Advance to your external account via ACH, there is a $0 transfer fee and your total repayment amount will be $50.
Example 2: If you accept a $50 Cash Advance to your external account using the optional instant delivery for a $5 delivery fee, then your total repayment amount will be $55.
Cash Advances or "Floats" are not available to Connecticut, Maryland, District of Columbia, and Nevada residents.
FloatMe is not affiliated with Credit Karma, Kikoff Credit Builder Loan, Brigit, Credit One, Credit Strong, Albert, Earnin, Dave Bank, Chime, Cleo, Klover, MoneyLion, Empower, Cash Now App, Venmo, Self, Rocket Money, or Possible Finance
Privacy Policy: https://www.floatme.com/privacy-policy
Terms & Conditions: https://www.floatme.com/terms
FloatMe, Corp
110 E Houston St. 7th Floor
San Antonio, TX 78205
FLOATS / CASH ADVANCES**
Pay bills, get gas, or buy groceries with cash advances. FloatMe helps you unlock your earned but unpaid wages fast with Floats. Download the app today and connect your bank account to get started. Once you're a member, request Floats be delivered to your bank account in 3 days or less. Need funds immediately? We'll expedite your Instant Float within minutes for a small fee.**
First time approval amounts range from $10-$50. Not all members will qualify and many will not qualify for the maximum amount right away.
BUDGET TOOLS & INSIGHTS
Explore easy-to-use money management tools that come with your membership, including a smart look ahead with the cash flow calendar. FloatMe calculates your likely available balance based on your recurring expenses and projected paydays.
LOW BALANCE ALERTS
Know where your bank balance is at all times. With low balance alerts, we'll let you know when your funds are getting low, to help you avoid those pesky overdraft fees.
MARKETPLACE OFFERS
Click on easy ways to earn money, like taking an online survey. Explore financial products from our growing list of partners. We find deals and offers to provide to our budget-minded FloatMe members.
SECURELY CONNECT
FloatMe uses Plaid Portal to securely connect your bank accounts with 256-bit bank-level security to keep your information safe. Plaid seamlessly works with over 10,000 banking institutions across the US. We do not support prepaid cards.
ABOUT US
FloatMe launched in early 2020 with a mission to guide millions of Americans to achieve financial prosperity. We accomplish this by bridging small cash gaps with Floats and providing access to budget management tools.
MEMBERSHIP
* Membership costs $4.99/month and provides access to FloatMe's suite of financial products and services. Subscription fee is auto-renewed every month unless canceled. You can cancel anytime in-app or by contacting our support team at support@floatme.com
Questions? You can contact us through our support portal at www.floatme.com/support
** Cash Advances:
Membership is required to request cash advances; approval of your request is not guaranteed. Membership costs $4.99/month and provides access to FloatMe's suite of financial products and services. Not available in all states. Advances are NOT loans and have no mandatory min or max repayment period. FloatMe's advance service is not a loan nor is it a contracted obligation to repay a loan. We are NOT a payday loan, cash loan, or personal loan app, nor an app to borrow money. Money advanced has 0% max interest. 0% APR. Instant Float fees are not included in the monthly membership cost and are optional. Instant transfer fees vary from $1-$7.
Example 1: If you accept a $50 Cash Advance to your external account via ACH, there is a $0 transfer fee and your total repayment amount will be $50.
Example 2: If you accept a $50 Cash Advance to your external account using the optional instant delivery for a $5 delivery fee, then your total repayment amount will be $55.
Cash Advances or "Floats" are not available to Connecticut, Maryland, District of Columbia, and Nevada residents.
FloatMe is not affiliated with Credit Karma, Kikoff Credit Builder Loan, Brigit, Credit One, Credit Strong, Albert, Earnin, Dave Bank, Chime, Cleo, Klover, MoneyLion, Empower, Cash Now App, Venmo, Self, Rocket Money, or Possible Finance
Privacy Policy: https://www.floatme.com/privacy-policy
Terms & Conditions: https://www.floatme.com/terms
FloatMe, Corp
110 E Houston St. 7th Floor
San Antonio, TX 78205
Expert Review & Analysis
## FloatMe: A Review of the Fast Cash Advance App
FloatMe is a mobile application designed to provide users with short-term cash advances, budgeting tools, and financial management resources. Its primary purpose is to help individuals bridge small financial gaps between paychecks without resorting to high-interest loans. The app distinguishes itself by offering cash advances, dubbed "Floats," as a membership service rather than individual loans, avoiding the traditional pitfalls of high APRs and predatory lending practices.
1. What the App Does:
FloatMe's core functionality revolves around providing small cash advances to its members. These advances, or "Floats," are transferred to the user's linked bank account. Beyond cash advances, the app offers a suite of financial management tools, including a cash flow calendar, low-balance alerts, and access to marketplace offers aimed at helping users earn extra money or find better financial deals.
2. Key Features:
* Cash Advances (Floats): FloatMe's main draw is its ability to provide quick access to funds. While the amount is limited initially ($10-$50), it offers a potential lifeline for users facing unexpected expenses. The option for expedited "Instant Floats" provides immediate access, although this incurs a small fee.
* Budgeting Tools: The app includes features designed to assist users in managing their finances, such as a cash flow calendar that predicts available funds based on spending habits and payday schedules. Low-balance alerts help prevent overdraft fees.
* Marketplace Offers: FloatMe provides access to various offers, such as online surveys, designed to help users earn extra money.
* No Credit Checks & No Interest: A major advantage is the absence of credit checks and interest charges on the cash advances. This makes it accessible to individuals with less-than-perfect credit histories.
* Secure Connection: The app utilizes Plaid Portal for secure bank account connections, ensuring user data protection.
3. Use Cases:
FloatMe is particularly useful for individuals who:
* Experience unexpected expenses between paychecks.
* Need a small amount of cash quickly to cover essential needs (groceries, gas, etc.).
* Want to improve their budgeting and financial management skills.
* Lack access to traditional credit lines or prefer to avoid high-interest loans.
4. Target Audience:
The app's target audience is likely young adults, gig workers, and individuals with inconsistent income streams who may need short-term financial assistance. It's also suitable for those who value user-friendly budgeting tools and want to avoid the complexities and potential risks of traditional loans.
5. Overall Assessment:
FloatMe presents a viable alternative to payday loans for those needing small, short-term cash advances. The combination of cash advance functionality and budgeting tools makes it a potentially valuable resource for users striving for better financial management. However, the monthly membership fee ($4.99) must be considered. The limitations on advance amounts and geographical availability (not available in all states) should also be taken into account. While the app avoids high interest, the membership cost represents a recurring expense that users should weigh against the benefits. The high 4.8/5 rating suggests a positive user experience for many, but potential users should carefully review the terms and conditions before subscribing.
FloatMe is a mobile application designed to provide users with short-term cash advances, budgeting tools, and financial management resources. Its primary purpose is to help individuals bridge small financial gaps between paychecks without resorting to high-interest loans. The app distinguishes itself by offering cash advances, dubbed "Floats," as a membership service rather than individual loans, avoiding the traditional pitfalls of high APRs and predatory lending practices.
1. What the App Does:
FloatMe's core functionality revolves around providing small cash advances to its members. These advances, or "Floats," are transferred to the user's linked bank account. Beyond cash advances, the app offers a suite of financial management tools, including a cash flow calendar, low-balance alerts, and access to marketplace offers aimed at helping users earn extra money or find better financial deals.
2. Key Features:
* Cash Advances (Floats): FloatMe's main draw is its ability to provide quick access to funds. While the amount is limited initially ($10-$50), it offers a potential lifeline for users facing unexpected expenses. The option for expedited "Instant Floats" provides immediate access, although this incurs a small fee.
* Budgeting Tools: The app includes features designed to assist users in managing their finances, such as a cash flow calendar that predicts available funds based on spending habits and payday schedules. Low-balance alerts help prevent overdraft fees.
* Marketplace Offers: FloatMe provides access to various offers, such as online surveys, designed to help users earn extra money.
* No Credit Checks & No Interest: A major advantage is the absence of credit checks and interest charges on the cash advances. This makes it accessible to individuals with less-than-perfect credit histories.
* Secure Connection: The app utilizes Plaid Portal for secure bank account connections, ensuring user data protection.
3. Use Cases:
FloatMe is particularly useful for individuals who:
* Experience unexpected expenses between paychecks.
* Need a small amount of cash quickly to cover essential needs (groceries, gas, etc.).
* Want to improve their budgeting and financial management skills.
* Lack access to traditional credit lines or prefer to avoid high-interest loans.
4. Target Audience:
The app's target audience is likely young adults, gig workers, and individuals with inconsistent income streams who may need short-term financial assistance. It's also suitable for those who value user-friendly budgeting tools and want to avoid the complexities and potential risks of traditional loans.
5. Overall Assessment:
FloatMe presents a viable alternative to payday loans for those needing small, short-term cash advances. The combination of cash advance functionality and budgeting tools makes it a potentially valuable resource for users striving for better financial management. However, the monthly membership fee ($4.99) must be considered. The limitations on advance amounts and geographical availability (not available in all states) should also be taken into account. While the app avoids high interest, the membership cost represents a recurring expense that users should weigh against the benefits. The high 4.8/5 rating suggests a positive user experience for many, but potential users should carefully review the terms and conditions before subscribing.
Screenshots
App Information
Updated
2018-10-05
Content Rating
4+
Contains Ads
No
Developer
FloatMe
Price
$0.00
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