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Cashably is a financial technology platform that helps you build credit through everyday payments. We offer a Cashably Card powered by Mastercard, credit score monitoring, budgeting tools, and a financial marketplace connecting you with trusted lenders and financial service providers.
Simply creating a Cashably account requires no credit check. Any questions we ask about your score are used to personalize your “Featured” offers.
However, when you apply for a Cashably Secured Card, we perform a soft credit check to determine eligibility which will not impact your credit score.
Once your account is opened, information about your Card Account may be reported to credit reporting agencies and may appear on your credit reports. This reported information may affect your credit history depending on your account activity.
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Unlike many traditional credit cards, the Cashably Card is focused on helping you build credit. It offers no annual fee*1, a 0% APR*2, no hard credit check to start your application, and uses a refundable security deposit to secure your credit line. With responsible use, eligible payment activity may be reported to the major credit bureaus.
(footer)1 The Cashably Card has no annual fee. Other fees may apply, such as out-of-network(non Allpoint)ATM($2.50), foreign transaction (3%), card replacement, or inactivity fees. See Cardholder Agreement for details.
(footer) 2 0% APR means zero interest. This secured card operates like a debit card where your deposited funds set your spending limit.
No, the Cashably Card has no annual fee.
A physical card is available for a one-time fee of $7.99, or you can unlock it with a Cashably+ monthly subscription ($7.99/month), which also includes access to our full suite of premium tools. You can cancel your subscription anytime in the app store.
The Cashably Card offers 0% APR. 0% APR means zero interest. This secured card operates like a debit card where your deposited funds set your credit line and automatically settle your purchases. Please review the Cardholder Agreement for full terms, conditions, and any applicable fees. (link to agreement)
No, your credit score will not be impacted when you apply!
When you check your eligibility for the Cashably Card, we perform a soft credit check. Soft checks aren’t reported to credit bureaus, which means it will not impact your credit score.
If you’re approved and choose to accept your Cashably Card, a full application review may follow, which may involve other checks to determine eligibility.
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No, Cashably does not provide these funds directly. Instead, it connects you with third-party providers through its “Explore & Offers” tab, where you can discover and compare offers for cash advances and personal loans.
You can explore and compare available options via the “Explore & Offers” tab in the app. Once you find an offer, you will be directed to the third-party provider to complete the application process.
Eligibility, credit requirements, and approval decisions are determined entirely by the individual third-party lenders, not by Cashably. Terms vary by lender, and not all users will qualify for every offer. Some providers may offer “no credit check” options, but this depends on their specific eligibility criteria.
Funding decisions and timelines are managed by the third-party lender you choose. Because these processes depend on the individual lender, you should review their specific terms before accepting an offer.
Eligibility, credit requirements, and approval decisions are determined entirely by the individual third-party lenders, not by Cashably. Terms vary by lender, and not all users will qualify for every offer. Some providers may offer “no credit check” options, but this depends on their specific eligibility criteria.
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Cashably+ is our $7.99 monthly membership designed to help you get even more value from your account, whether you have a Cashably Card or not. The membership unlocks premium features like Lower My Bills, subscription management, advanced budgeting insights and the option to connect multiple bank accounts to the budgeting tools. For users who do have a Cashably Card, the membership also includes access to a physical card.
You can subscribe to Cashably+ at any time from within the app. After purchasing, you’ll have immediate access to your Cashably+ benefits.
Our Cashably+ membership unlocks additional features, such as subscription management tools, the option to connect multiple bank accounts, and advanced budgeting tools. It helps you get more value from your Cashably account, and if you are a Cashably Cardholder, your membership also includes physical card access.
Joining Cashably is free. While we do offer an optional premium subscription called Cashably+, your standard account remains free to use.
Cashably+ is an optional $7.99 per month membership.
To cancel a Cashably+ subscription, please go through your device’s app store settings: for Apple App Store subscriptions, open Settings > [your name] > Subscriptions, select Cashably, and tap Cancel Subscription; for Android (Google Play) subscriptions, open the Google Play Store > Profile icon > Payments & subscriptions > Subscriptions, select Cashably, and tap Cancel Subscription.
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Cashably is committed to protecting user privacy and safeguarding personal information. We do not sell user data and are continuing working to ensure security. As we continue to develop our platform, we are working to strengthen our security practices and privacy protections through both internal policies and technical controls.
View our Privacy Policy
You can review our Privacy Policy, Terms of Service, Cardholder Agreement, and other legal disclosures on Cashably.com.
Yes, your deposits are FDIC-insured up to $250,000 through Cross River Bank.
The Cashably Card and its associated accounts are offered by Cross River Bank, which is a member of the Federal Deposit Insurance Corporation (FDIC). This means your funds held in the account are protected by the FDIC up to the standard maximum deposit insurance amount per depositor, for each account ownership category, in the event of a bank failure.
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