FloatMe: Fast Cash Advance Reviews

by Tay In Everett

It’s very rare I review any apps, but the customer service on FloatMe is an absolute joke. To be honest I don’t know that they have a customer service team who actually reads what is sent. 17 days, and now today sent my 8th message, none have received any response at all. I’ve been locked out of my account for 3 weeks now. I don’t receive any password reset emails. I keep asking for my account to be canceled since I can access the very basic desktop app. Again, so responses. I try to fill out the cancellation form, it says I don’t have an account. Which is untrue since I’m literally logged into the desktop version, and still being charged the monthly fee. So now, 8 unanswered requests later, I get charged the monthly membership fee! Yes, 17 days, no responses at all. I’ve left them my email, a backup email, and phone number. NOTHING. I need this account cancelled, and if they were legit, I should get my membership fee back. I can screenshot all my messages to prove what I say is true. Worst part is, today’s charge resulted in a banking overdraft fee for me. Turning a $1.99 membership into a $36 fee. I’m beyond upset with FloatMe. STAY AWAY, 1/10. I would not recommend to anyone who values their money, and common courtesy.

by Austen8989

Two months in a row now I have got in contact with support because I wanted to close my account, Both times I’ve requested assistance with this because my card continues to be charged the monthly members fee. I mean ultimately it’s only $2.00 but the fact that the support team has refused to refund the money when I ASKED for my account to be CLOSED is ridiculous. I truly wish I could share screenshots in the reviews of how rude the support representative was. I’ve emailed them again about the same issue so will see how they act this time around maybe I’ll finally be able to get this stupid issue with them resolved. For now poor customer service I recommend you stay away any one who’d sent respect the people that are using your app and paying you to use it doesn’t deserve you’re money!

by Tanyamarie88

Don’t use! Seems I have to keep writing a bad review because they will delete any other bad ones. Had FloatMe for a few months and been subscribing to this garbage for $2. FloatMe only allows you to float $20 unless you increase your “points” by subscribing and buying more. Haven’t been able to use it because even if your facing a overdraft charge it will not even help you out. My bank charges me $35 if I overdraw. So if I have $25 in my account, and I make a purchase for $30. I can’t even go into FloatMe to float me the $15 because my account is already negative in their eyes. Will not assist you in any way. Highly suggest you try out the Dave app instead, it at least helps and floats you up to $100 and even instantly to avoid overdraft. Waste of money this Float me app was, wish I could get my money back for something I couldn’t even use.

by Julicorn_xo

I’m never the type to leave reviews but for this I must warn those who are in need of money and will get taken advantage of by this scam.

I have been getting charged every month since June 2021 of $1.99 of a membership I was never aware of. I NEVER qualified to get any Float Me Cash but they proceeded to charge me of a membership that never even helped me? I provided a picture and proof to their customer support that I NEVER received any funds from Float Me but still got charged anyways. The customer support tells me that $1.99 charge is to help alert members of “low balance” but majority of bank apps have HAD this feature for FREE for many years? There was absolutely no benefits for me whether I had this “membership” or not but yet they can’t refund the charges for these past months.

I ended the membership today and was only ever aware of being subscribed to a “membership” until today when it suddenly showed up in my bank statement that there’s a hold for a $1.99 charge. However if I had known this earlier on, I would’ve ended this membership sooner. They have little to no care for their members and just shows how much money hungry Float Money is. Float Money is a tool for people who need money but they will still charge those who doesn’t use it, those that doesn’t qualify for it AND those who have already have nothing left. Crazy.

by /-KillFace-\

FloatMe not only requires you pay them back extra when you borrow money, they also charge you $1.99/mo to have an account which they make no mention of when you set up an account and you'll only find this out when you see it deducted from your bank account each month. Not only that, but also, I asked them to close my account so I would no longer be charged each month. They did close my account, however, they still just took out another $1.99 from my account. To make it even more ridiculous and frustrating, you can only contact their support team by logging into your account, but of course, I don't have an account anymore because they closed it yet still think it's ok to continue to charge me. It's incredibly shady and just a terrible app and experience in general. I'm gonna have to call my bank and tell them to put a block on them since I can't contact them at all. Bottom line, there are better options out there. Stay away from this garbage app

by Lilmex14

After not being able to use FloatMe I canceled my account after a week or so they took out $ from my account causing my account to be negative and was charged a $30 fee this was almost two weeks ago have gotten 1 response stating since I had closed my account they would refund the money that was pulled from my account. I have yet to receive my money back and now I’m also out of $30. Beware they will continue pulling money out of your account even when you cancel it... highly disappointed

Update: and a response I have never taken out a float never really used FloatMe . So I should have never had money be taken out once an account is closed they shouldn’t have access to your bank account and some how FloatMe still does and they continue to take money out until you take action. I get $5 taken out of my account every 2 weeks seeing as i am currently out of a job I can’t pay the bank fees to cancel any future payments to FloatMe.

by Wheel Lyfe

I’ve used FloatMe in a couple of pinches when I just needed gas money until payday. It worked properly in those two instances. I recently changed jobs and now my pay day is on Friday instead of Tuesday. FloatMe saw this when it verified my bank info HOWEVER when it sucked the money for the most recent float out of my checking account, it did so on my OLD pay day (Tuesday) leaving my checking account overdrawn. I accrue overdraft charges for each day my account is overdrawn meaning that by the time I get my paycheck deposited my account will be close to negative $200 just from overdraft fees. I’m deleting FloatMe and filing a fraud claim with my state Attorney General’s office against FloatMe developers. Steer clear from this horrible app!!!

Update: tried to contact them through their “app support” link in FloatMe Store which is a joke. There is absolutely no way to contact these clowns. Unbelievable! I will be reporting FloatMe to Apple for abuse.

by Jim Kamper

I been using float me for a few months now. I’m not even going to act like the extra $20 didn’t help when I needed them. I don't mind paying back the $20 plus $4 on payday I rather pay the $4 then to ask my friends or fam for a $20 until payday. On the real I think there’s better apps out there that loan you more money and don't have some many requirements like float me. Hate to drop names but earin app don’t require no history of high atm withdrawals or transfers the day of or after pay day when you clearly got a direct deposit from your work the day before
Also earin lets you barrow up to $500 dollars if you qualify just charging you $3.99 for every $100 a day and you receive the funds in minutes with tips being optional ( i always tip when i barrow money )
Float me is a okay app but in honest truth I believe they can improve FloatMe by increase the money you can barrow and also if you’re able to send a screenshot of your direct deposit so they can see there was a recent deposit

by _ix.iv.xiii

I had a day where my tire went flat and the small $20 they offered would’ve helped me get a new one. For a about 4 months now. Each time I’ve tried to request cash it’s ALWAYS something. My acct. didn’t have enough paystubs. I tried switching the acct and apparently I have to wait 30 days to do that. Once that part was fixed, I tried requesting again and THIS TIME my acct balance was too low, unfortunately i had to wait a couple days to get it out the negative, then more days for my bank to update in FloatMe but, I got it fixed. So I TRY AGAIN and this time it just gave me a plan ole error message. So I recently got a new card and figured thats WHY I couldn’t get the advance. So I TRY to change the card and NOW they’re telling me I have to wait 25 days to switch over my card. Yea by that time I won’t need the $20 from float me anymore.

Is it me or FloatMe is just inconvenient. I’d give the 0 stars. You’re better off with MoneyLion or Earnin or Dave.

by GoblinOnDeck

Floats little bit of money with high instant delivery fee, but does work if needed. I don’t think an app that charges you a monthly fee should be charging you “float cash instant” fees. Especially when it’s a $5 fee for $20 spot not including the monthly fee. If FloatMe was free to join I would understand the fee. After paying for a monthly subscription it should be part of your services. In order to even qualify they get full access to bank account and paychecks to meet all the criteria’s, so they basically know you’re going to pay you back. I guess if you don’t they have all the information they need to just pull the money anyway. I would understand a fee for not making a payment, if that were to occur, they know it’s unlikely from your banking information, and setting up the paybacks on payday. Bottom line I think the point is to help someone is need, who is obviously someone that is reliable, based on the apps standards (which are understandable), but really just makes it harder for them in the long run. Not really helping. Just taking advantage of someone in need.

by Melissa Vetter

I only receive $20, I wish it was more but it’s better than nothing, right? I’d give it 5 stars if that were the case, and also they charge $4 for an instant float, which I think is a pretty steep charge for $20. $2 would be sufficient, I feel like it’s kind of taking advantage of people who really need the cash, especially in the COVID era. I will keep using it though, and so will people like me, which is what this company knows, which is why they charge the steep fee. I’f they raised it to $6 people would still use it, unfortunately, because people like me really do need emergency cash. Maybe I should start my own similar business and only charge $1 for instant cash, or utilize other means to get the instant cash, like completing a survey, or completing certain tasks or what not. Check on me in a year, I may just be rich with my fantastic ideas!! Until then, I will still be getting price gouged on these sites :(

by Lindsay_says

Float based on what is deposited into your linked bank account each week. Which is fair as far as I am concerned. FloatMe is a glitchy when applying for float. Example: I applied for my float then entered my debit card for float which is the same as the linked bank account and doesn't change (because you can only get floats to the same debit card EVERY float) they just want you to re-enter the card number. Because I had my debit card account locked it, I had to wait 48 hours before I could re-enter my card number to get my float. They have it set up so you can only enter your card once if for some reason you accidentally mess up while entering your up the creek for 2 days. So just be aware of the little glitches they have set up within there system. Other than that, I have had nothing but a positive experience. I have been using them for 2 weeks so I'll. Sure to update through review if I run into any other glitches. Good luck guys!

by NeslyLeon

Most of these other apps aren’t legit nor do they actually follow through with their loans or have a reward system. I am not a five star guy but I’ll give credit we’re credit is due , FloatMe is amazing for the most part you get a little security cash in case you need gas or a quick bite until the next day of payday. Only corrals I have are that they start you off real small where other apps will start you you at $200 plus and no need to do direct deposit through FloatMe checking account which FloatMe doesn’t request I believe. Other than that I like it and how you work towards earning more to get a higher advance if needed. Just wish it didn’t start so low. So with all that being said I give FloatMe four stars.

by Sweetheartjayxo

I have been using float me for about 2 years. I only ever had an issue once where it kept saying that I owed after I already paid back but customer support is very easy to submit a ticket and they helped me super quick. It’s pretty much like other apps that offer loans if you connect your bank account and show proof of income that steady every month. The only con for me is that the borrowing limit is so low. I’ve been using them for 2 years kind you and still the most I’m aloud to borrow is only $50 ? Lol which I have never had a late payment or anything. So I wish they would let you increase this limit with shown responsibility. I mean with Dave I can get $200 and even with MoneyLion I get $225! But none the less FloatMe comes in handy when I do need to use it! You also set up when you get paid so they only schedule re payment for your payday so you don’t have to stress about it. Overall good app!

by Writing A Review Is Annoying

That’s really cool. I had a few random, unexpected transactions hit my account all at once that needed to be disputed. I could have literally asked any of my friends or family for a quick loan, or “float.” .. I just don’t want to burden anybody. I was skeptical of this, but tried it and that’s pretty cool! I requested $20 until tomorrow and they advanced me until my pay date, (Friday) I didn’t need anything crazy for the rest of the night. But it actually worked out, lol. Definitely would have waited until things were disputed, with my bank.. But it randomly worked out. I’d recommend if you’re looking for an amount to get you through a day or so.

by Megs923

It’s a quick snd easy app when you are in a pinch. I’ve never been offered more than $20. I’ve been a customer forever, and never had a late payment. However, i have no complaints, sometimes that $20 can make or break something when times are really stressful. Never had a tech issue and unlike other apps of this nature, I’ve never once logged on to find out I suddenly don’t qualify for anything. Customer Service is also timely and frustration free! 5 stars!

by Plicioussss

Never have any issues, app is easy to use, the $ usually comes to my account pretty quickly, & just all around a good app. I do wish they would let you borrow more $ instead of going by what’s in your account after you get paid... for example- every 2 weeks my husband gets paid & we end up taking all of our $ off of our card so it looks like we have little to no money & that’s what they go by as far as how much they let us “borrow”. The max we are allowed is $20, wish I would be more when we need it. But all in all, love FloatMe, aside from the issue above.. which really isn’t an issue, more so just my opinion from my personal experience lol.

by Phoenixx12

Very easy and quick payday advance service/app! I have only been qualified for small amounts, though you can earn the ability for bigger advances, I believe. I have only used it for a small advance, but I love it. It’s easy, quick and hassle free. You do pay a small premium per advance if you want it immediately deposited to your account, but it’s not charged until the payoff date, on your paycheck. I certainly don’t mind paying this for the added convenience of an immediate deposit. You can choose a non-fee deposit if you want to wait a couple of business days for your money to post. Overall, I highly recommend FloatMe for a quick payday advance!

by RyanMoe8792

I’ve been using float for a while now and I keep seeing ads saying you can get up to 50$ but I’ve literally never been able to take more than 20 and I’ve never heard of anyone else being able to take more than 20 as well. Not sure why they advertise 50$? 50$ would certainly be more helpful at times but if your only going up to 20$ then you should be advertising that properly.
Other than that FloatMe comes in handy like all the other pay/float type apps just limited. But never had an issue with them and they are consistent.

So the 5 stars I’m giving is definitely earned. That needs to be said. But I’m Just confused/ not really liking the whole over promising underdelivering aspect of downloading FloatMe.

by Burse88

I had closed my account because I couldn’t get a hold of anyone because I had switched to a new bank account. I was receiving money into my new account from Float Me but about a week ago I was told there were no deposits from my payroll found in my account. By this time I was already on two deposits into the new account and the Friday in the same week would have been my third deposit. I didn’t understand why I could receive floats in my new account but when I tried to take another out they couldn’t find new deposits from my payroll there was already two deposits from them. That same week would have been three reoccurring deposits. For the record, $1.99 was taken out of my bank account for Float Me Services’s can my account be unblocked? I paid already and cannot use the service.

by Lala6212

I downloaded FloatMe but never,ever did I get an advance. I began getting numerous charges every day for $1.99 from float me. I contacted them over 20 times and still haven’t been contacted back by them. This has been 2 months now, and they still won’t answer me. I had to cancel my card to stop the money coming out. They owe me so much money!!! They are thieves!!!!!

by Ry6422

Careful! Once you input your bank account you can’t change or delete it. They charged me $1.99 for a service I can’t use. Even though I get charged it saids I don’t qualify because of my deposits even though I get a direct deposit every week. Not even a way to update your banking. You got to email the non existence support that doesn’t want to delete your account or answer you back .

by Shay Malchort

I signed up as I like to have options in a pinch. I decided this was not worth the $1.99 per month fee as I don’t use it and if I did the amount you can borrow is negligible. When I tried to cancel I was directed to email support. They responded once asking why is Luke to cancel and then no response. It has been months, and I’m still being charged for a service I requested to cancel. Very shady business practices.

by Leo.shelton

I’ve had FloatMe for about 2 mo the now and didn’t even get to use it because they didn’t approve me for an advance. But I’ve noticed for the last two months they continue to charge me a subscription on my debit card without my permission and I emailed their support team a month ago and never got a response and there is no way to cancel my account in app. Complete scam. Please do not download and save yourself the trouble. Float me should be ashamed of their business practices.

by HRLABFO BAGEKG CH

I have sent over FIFTEEN emails over the course of a month to the customer service line requesting my account be deleted. I have been responded to ONCE to ask why I want to delete my account and not once again since then. There is no way to cancel your account with out their involvement and they will continue to charge you despite innumerable requests. Absolutely immoral and a sham of a business practice to take consumers banking information with no cancellation system in place. DO NOT SIGN UP BECAUSE YOU WILL NEVER GET OUT.

by A Diva Opinion

First, the most they would "float me" was $20 even though other apps would loan between $100-$250. They charge a $1.99 (which is low so great....for $20 I guess). I asked them THREE times to close my account and I just saw a charge on my bank account. Time to find their ACH and have the bank block them and report them to the BBB for fraud. Unfortunately I'm just seeing all of the reviews. I never would have added them if I had known earlier.

by Sheeshjddhs

FloatMe has a monthly fee which is understandable but they keep duplicating the fee and taking money from my account. There is no option to delete your account on FloatMe and I contacted support THREE TIMES AND STILL NO RESPONSE. This whole thing is fishy. I don’t know how long this has been happening because before I didn’t really pay attention but now I’m noticing it and it’s really annoying! Do not use FloatMe or put in any of your bank info. Use earinin,branch or Dave instead. Those apps don’t steal money from you.

by TNC18872071

I signed up to see if this would benefit me. However, after providing my information I unfortunately realized there is no way to edit or remove banking or debit card info. There is also no way to delete or cancel your account. If you go to help and search delete it provides an email address to send the request. However if you try to to send an email to that address, you will receive about error message.

Do not provide your info.

by Jooooollllllmmmmm

I make close to 4,000 a month, things always come up with kids, life, etc.., and app tells me i don’t qualify. Can’t even scroll down to see the qualifications because it is frozen. I have all the other apps like Dave, Brigit, etc and i qualify no problem. Can’t get a float but you are taking 1.99 from me.....why?

by Albertico Jr

I’ve been trying and getting in contact to this app twice by email. I even send an email twice with same issue with not using the this app account since I’ve met all of the requirements and I still not understand why FloatMe keeps saying not qualified due to direct deposit and I’ve been having direct deposit plus more than $200. This is sad that I didn’t get no response from any reps.

by MikkiPB

The this app team is great, easy requirements to qualify. About a month ago their system started glitching and not working for me, they said they had some maintenance to perform to get FloatMe working again. After all this time, I’ve contacted their support team at least 3 times to see if they’re even still in business and to update my banking info, but I continue to receive no response. This used to be one of my favorite apps but I’m not sure what’s going on now.

by Jhombard

I didn’t need much but bills had to be paid first, realized I needed gas and boom 10 min later $$. Wasn’t a lot however I didn’t need a lot and they helped. Thanks definitely recommend.

by LynetteMyFive

I love the help y’all give because it really be hard times I love how quick you can get it to

by KiKi Dallas

So far this is great. My payday is in 3 days but I need just a little help until then. This took me literally 5 mins to do in my car at lunch, and already they are sending me a little something to help out! Really easy! Thank you!!

by Fredyswhtx

Very helpful with none management and easy to access funds when needed.