Credit Genie Review

Credit Genie Review



Straight out of Philadelphia, Credit Genie is an online financial services provider that was developed by a team of data science and experienced Fintech experts. Credit Genie aims to give users complete control of their finances by offering no-fee-or-interest cash advances between paydays, tools to get out of debt, and insights into their spending habits. In addition, there is no interest, no hidden fees, and no credit check when you take a cash advance.

To ensure the ease of accessing loans, Credit Genie has partnered with various debt relief providers to help users break through the cycle of debt. Credit Genie is available as a mobile app that is compatible with Android and iOS mobile devices. The mobile app can be downloaded from the relevant app stores and used to get an instant $100 cash advance to bail you out until your next payday.

Credit Genie Mobile App


  • No interest
  • No hidden fees
  • Mobile app
  • Debt relief service providers
  • Some borrowers with fair credit may be eligible.
  • Various positive reviews on credit genie hello peter


  • The repayment process is slow
  • Only available for people who are employed and receive regular monthly paychecks on paydays

What Types of Loans Does Credit Genie Offer?

Credit Genie aims to enhance the financial health of its users by offering cash advances of up to $100 to be repaid on the next payday. The cash advance can be used to cater for daily expenses till the next payday.

How Does Credit Genie Work?

As a mobile with an intuitive interface, Credit Genie works seamlessly on mobile Android and iOS devices. It is a mobile loan application that is developed to reduce your credit usage and get you out of debt. Moreover, the app offers quick loans to cater to your daily expenses till your next payday.

What Are Credit Genie’s Terms, Fees, and Conditions?

According to the terms of Credit Genie, you are responsible for repaying your advance. Clients who are unable to repay their loans after 60 days will become ineligible for Credit Genie loans. Credit Genie has no late fees, penalties, or interest.

How Can You Qualify?

To qualify for a Credit Genie loan, you are required to meet certain conditions. The following boxes must be ticked to become eligible for a Credit Genie loan:

  • A checking account with at least 30 days of daily or weekly activity.
  • Positive balance on your checking account on the day you receive a paycheck.
  • Up to $1,500 a month in recurring direct deposits.

However, applicants who cannot qualify for a Credit Genie loan can still use the other services provided by Credit Genie. These essential services are designed to help you manage your finances effectively.

How to Apply for a Credit Genie Personal Loan

It is easy to apply for a Credit Genie loan. The first step to take is to install the app and sign up. After that, you can quickly get Credit Genie’s mobile app from the relevant app stores and securely set up an account. Setting up your Credit Genie account should take only a few minutes. No credit check is required. Provided the app is downloaded, you can tap to carry out the credit genie login and get a cash advance right away.

Interestingly, it is entirely free to apply for a cash advance with Credit Genie, as long as you are qualified.

What Credit Score Do You Need?

No credit score is required.

Credit Genie only requires a balance of $1,500 a month in recurring direct deposits.

Is Credit Genie Reputable?

Credit Genie is safe and secure; they use bank-level 256 bit SSL encryption on all data to protect the details of their clients.

How Is Credit Genie’s Customer Service?

Credit Genie offers a responsive client team that is polite and prompt in response. Clients can contact the support team via and various social media handles.

How long should I wait to receive my cash advance?

You should receive your cash advance in your bank account within 1-3 business days after requesting it. In most cases, if you request a cash advance before 5:00 PM EST on a business day, you should receive the advance the next business day. If your advance request was received after 5:00 PM EST, it should arrive the second business day after the request was received.

How much does Credit Genie cost?

The Credit Genie app is free to use and includes interest-free, no-fee cash advances to tide you over until you get paid. There is also a $1 per month fee for connecting your bank account.