Why We Charge a Subscription Fee (and What It Covers)
At True Finance, we don’t believe in unnecessary fees or profiting from financial hardship. However, we do charge a $4.99 monthly subscription to help keep our services running. This subscription gives you access to our premium features, including: The $4.99 monthly fee is clearly disclosed within the app before subscribing, ensuring that all users are fully informed about the cost prior to opting in.
Access to our Cash Advance product
Higher payouts in the Earn tab
Credit monitoring, identity protection, and more
We don’t charge interest, late fees, or hidden costs — the subscription helps us sustain the program responsibly. Furthermore, the subscription fee helps cover operating expenses and is not a source of profit for True Finance—it solely supports operational costs.
If your application for an advance is declined after subscribing, we'll process a full refund for the subscription fee as part of our commitment to customer satisfaction.
Instant Opt In:
We also offer instant delivery for eligible banks, with a small, optional fee between $1.99 and $5.99, depending on your advance amount. If you prefer not to pay this fee, you can always choose standard processing, which is completely free and typically arrives in 1–3 business days.