“Just another lender seeking app. And the developer will sell your info to make a buck so it screws with your credit. They have all your personal info once you've downloaded the app. They say bad credit ok I CALL BS and can prove it. SAY…”
Public review signal · 250 reviews scanned · scope limited to review patterns.
Instant Cash Advance: Loan App
Smart Finance ClubThis loan app helps you get a payday advance online at almost instant speed i…
3.7 ★3,262 ratings
500K+Downloads
4+Age rating
—App size
FreeIn-app purchases
About this app
This loan app helps you get a payday advance online at almost instant speed in the form of cash loans.
All you need is your smartphone, and you could be approved for instant cash in a matter of minutes!
People commonly seek a payday advance because they have bad credit and have been rejected for loans and credit cards by banks or other large lenders.
Cash loans function like an advance on your wages, allowing you to pay unforeseen bills or emergency expenses that can easily be covered by your next paycheck.
Our loan app does all the hard work for you, instantly lining up lenders who can issue funds as fast as on the next business day.
With our app, you can request amounts between $100 and $2,500 - just fill out our form and your loan request will be presented in an instant to our nationwide network of 100+ direct and indirect loan lenders.…
Preview
Real screenshots from the store listing.
Independent evidence report
Evidence and review signals
This is where the page changes from an app-store listing into an evidence report: findings, important reviews, pricing and a dated history.
What we measured
Each line is a measurement published as a measurement, never a verdict.
Each line is a measurement, published as a measurement. Where we have not looked, the line says so rather than reading as a zero.
Developer replies to reviews
Replies to at least 1 review in 20
Price in the store description
States a price and a billing period
Cancelling, in the store description
Does not say how to cancel
Themes reported by reviewers
No theme reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
Under 65% five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.
In the package we scanned
No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence about the app, not a finding about it.
Graded bands · predicate set 1.4 · how these are measured
What the analysis found
App-specific findings, grouped by what each one rests on. How they are graded lives on its own page.
Data & privacy concerns5 reviews · user report
Highlighted reviews
Representative public review excerpts shown as user reports, not Appworthy audit evidence.
“they are selling your info. The red flag is when it says in the fine print "we are not a lender" or "our network of lenders". If it says any of those they have to be selling your info! Because they sure are not doing it out of the…”
“Marketing lies. They sell your information to find a loaner and not in 4 payments. now my infor every where and getting texts from all people that you have to redo to see AGAIN if you qualify 😒”
Assessment & version history
App changes and Appworthy events in one timeline.
Store listing updated to version 2.0.10.
What this app sells
Useful store-disclosed pricing, kept below the app listing.
Business modelFree
Prices and terms as disclosed by the store listing.