FloatMe: Budget & Cash Advance
June 03, 2024
More About FloatMe: Budget & Cash Advance
Pay bills, get gas, or buy groceries with cash advances. FloatMe helps you unlock your earned but unpaid wages fast with Floats. All you have to do is download the app today and connect your bank account to get started. Once you’re a member, request Floats at no cost and receive funds in your bank account in 3 days or less. Need funds immediately? We’ll expedite your Instant Float within minutes for a small fee.**
FINANCIAL FORECAST
Introducing the Financial Forecast. Get a smart look ahead that calculates your likely available balance based on your recurring and routine expenses and your 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.
OFFERS
With Offers, you can find recommendations from our growing list of partners to either help you save or make money.
SPENDING INSIGHTS
Get to know your money with spending category insights at your fingertips. FloatMe’s handy chart presents a quick view of your transactions.
SECURELY CONNECT
FloatMe uses Plaid Portal to securely connect your bank accounts with 256-bit bank-level security to keep your information and money safe. Plaid seamlessly works with over 10,000 banking institutions across the US. We do not support prepaid cards or Chime and Varo accounts.
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 a suite of tools designed to help members earn, manage, and save money.
MEMBERSHIP
* Membership costs $3.99/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 $3.99/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 $3-$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.
As of October 1, 2023, Cash Advances or "Floats" are not available to Connecticut residents.
FloatMe is not affiliated with loan apps, money apps, 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
FloatMe's Privacy Policy: https://www.floatme.com/privacy-policy
FloatMe's Terms and Conditions: https://www.floatme.com/terms
FloatMe, Corp
110 E Houston St. 7th Floor
San Antonio, TX 78205
Latest Version
7.2.2
June 03, 2024
FloatMe
Finance
Android
2,133,153
Free
io.floatme.floatmeapp
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User Reviews
Jason Babcock
3 years ago
HI there... I've been a 100% satisfied user for a few years now.. This is my first visit to pickup a quick few dollars since before the pandemic and I was able to pick right up where I left off 2 years ago. And of course nothing has changed as far as this exceptionally functional and well executed app process. Sure you're not going to be able to "immediately" pickup $100.00 - $200.00 as things start off slowly and increase in the dollar amount they're comfortable handing out for free.
A Google user
5 years ago
The app is a great idea but has a lot of bugs that need to worked out. After trying to sign up for the app, it finally almost allowed me in. But, I only got as far as setting up my user name and password. After that nothing, a white screen and blue circle appear and just spin around. I have tried emailing support m, but I have not heard anything from them about the problem I am having. I have wasted 20% of my battery and 2 hours of my time trying to get this app to work. Don't waste your time.
Xtina De Juice Girl
4 years ago
Doesn't work. I've been trying to connect my account for a week. Ogive All the permissions and at the very end, it says there is a problem and they've been notified. I've literally tried at least 10 times, same issue....Then today, it says it's time for an update. I updated it thinking that it would fix the issue. Nope. It's not a good feeling to have put all your personal banking info into an app and afterward be told it doesn't work. Btw I have no issue with Plaid whatsoever anywhere else.
Krissy Terry
3 years ago
I think this app is really easy to use & definitely comes in handy when you need some extra money & need it fast. I like that I can reloan right after I make my payment, although it does charge me a fee of $4 to get it instantly. But you do have the Standard option which is free but takes up to 2-3 business days to be deposited in the bank. Only thing I would say is that I wish it would let me loan a little more than it does. But I get it's based off a system that determines the amount.
melody marshall
4 years ago
Started out great got $20 paid it back and was able to take another $20 when I needed it. But this time they took the $1.99 fee and then the $20 payback...then when I tried to get the available funds it said I was not in good standing and that the $1.99 was past due which was not true as it had already been posted as paid on my bank statement. Very bad experience do not recommend. Also they do not tell you about the monthly fee at all and there is no way to remove your banking information.
Reggie Baudalaire
2 years ago
Downloaded, tried to sign up and when I added my debit card, it gave me an error message. Tried starting over, tells me my account already exists but when I try and sign in, it says there's a problem authenticating my account. Tried with a different email, same thing. Not sure what the problem is but that's really frustrating, and it gives no option to speak to someone from tech support to look into the issue.
Mandy Rutherford-Stone
3 years ago
Love it! I would rate it 5 stars but since I've been stuck on $20 float for the last 3 months without an option for an increase, Im only able to only rate it 4 stars. I have tried to contact them on how to get an increase but I keep getting the same answer over and over and I pay on time. But I do love the app and it is the easiest one to use out of all of the advance apps.
Dgrah
2 years ago
This app is okay for a very small cash advance. The good thing is, their system coordinates your next payday accurately for the repayment. The $4.00 instant delivery fee should be less on a $20 cash advance, but you do have the option for free delivery if you're able to wait 2-3 days. To date I've received three Advances of $20 each time and I'm wondering if they have a tier level that allows increased cash advances; based on on-time repayments.
Billy Boyer
3 years ago
Terrible experience with this app. Used my Chime account to link. Met all qualifications to get a float except for account with at least $1 in it. Only because my credit builder credit card was showing up with my checking and would only ever read a $0 balance no matter how much money was in it. Checking had a positive balance, credit card a $0 balance. So would not allow me to receive a advance. Customer service cared not one bit. Contacted the 3,4,5 times. Do not recommend it at all.
Ryan Lewis
3 years ago
I have not been able to log into this app for 2 months. It says an application error occurred we've been notified try again later. I've cleared the cache and storage, uninstalled and reinstalled it more times than I can count. Their joke of a support system hasn't answered an email for 2 months. They are however still charging me $1.99 twice a week every week for 2 months. This app is a joke it doesn't work don't waste your time or money!
Eric McKee
5 years ago
First time using it ease of use: 5/5 -was able to get into it quick, got them to advance me in less than 5 minutes from setting up an account Amount advanced: 3/5 -was only able to get 20 dollars, put of what looks to be a max of 50. Every little bit helps but it is not significant enough to make a big difference most of the time. The good thing is that you won't get stuck in a cycle if borrowing a hundred or more dollars, to pay it back on payday, only to need to borrow it again.
mac joseph
2 years ago
The app is easy to use and very intuitive. I like the way things are currently with the design. At first, I wasn't able to get the $20 float, but after logging out and back into the app, it worked just fine. I would caution new users about the $20 float since they add a $4 fee, which makes it $24.00 that you pay back, but it's within 2 hours, so it's relatively fast payout.
Jennifer Byars
2 years ago
I just want to pay back! After setup of my information on the app, they approved me for a $20 advance. The funds were immediately sent and we're accessible immediately for a small fee. The issue I have had was that I went in to pay the 20 + fee and the app said my bank account was not detected in which gives the option to "add another bank" "different bank". I cannot go any further as this just keeps bringing right back to the log in page. Customer service still has no response!
Ryan Beeson
4 years ago
App is easy to use, but my float amount has not gone up from $20 after four consecutive on time payments, long employer deposit history, maintaining a positive balance and all of their requested requirements. The app is not very helpful for my finances because I'm not paying a $4 fee to get a measly $20 instantly deposited in my account. So I select the free option which takes 2-3 business days. Defeats the whole purpose of the app. Likely will be switching back to Dave soon, much higher amount.
Shannon “MrX2”
3 years ago
Very Possible security risk!! I have had float me previously however it used to be under a different app name. During that time the app had suddenly went off the Play store and it was nearly impossible to log into your account even online. Eventually they came out with this. Major problem!!! I cancelled!! I checked today to see if I would see improvement..NoT at all.. don't try and reset your password..an email goes to your address with link inside, when pressed , takes u to Non https. Alerted
Heather Guntrum
2 years ago
If you need just $20 here and there it's a good app. For instant money tho they charge a $4 fee on top of the $20 to pay back for $24 total to pay back when things are due. Typically you have two weeks to pay it back. You also have to pay a monthly subscription in addition but it's a pretty low membership fee. You won't get to do a second "float" until the first one is paid tho...it's not a bad system if you just need $20 like just to get to pay day or when you are in a jam. I like it tho.
Mark J.T. Lambert
3 years ago
Nothing major, but once you establish an account with the app, it's always provided me with a quick $20 that I can borrow and pay back at a later date. Among the cash apps, that's probably too low for some people who may not wish to bother when it's such a small amount being advanced. However, it takes into account your credit rating & payback history too as to what you are able to borrow. Requesting the advance is quick & painless. The funding after the request is instantaneous. In the reply?
Christopher Meade
1 year ago
The app does not update in realtime. Not once has it been correct on the balance of my checking account. If u add up the fees and subscription fee. Which is now 2.99. and the fact that it'll float you 20 for a 4 dollar fee due the next day. You do the numbers. That's an outrageous interest rate. I cancelled my account and to keep from getting charged from them, like one of the reviews, I'm just going straight to the bank and putting a block on anything coming from this place.
Anjelica Thompson
1 year ago
Trying to log in. It says "can't use while traveling internationally" I've never traveled outside of the US. literally past the eastern border. Not sure what this glitch is but this is the third or 4th technical issue I've had with them in the last couple months. I did uninstall and install 4 times updated it and everything. But it finally worked 2 days later.
Melanie Mcmurray
1 year ago
The app works great. The rate is kinda high, but if you need an extra $20, it's great!! I always wait the few business days to get it in my bank account, instead of pay $4 for instantly. I'm not going to die in a few days, having to wait for $20! If you want it instantly, you just gotta pay the extra $4 back, when you pay your float back. Simple, easy, and something you can count on!
