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Float Credit

By Float, Inc

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Get a Line of Credit You Can Access Anytime, Anywhere - No More Painful Applications and Damaging Credit Checks. Download for Free and Get Your Personalized Line of Credit in 180 Seconds!

Float Members are loving it! Check out what they’ve had to say:

“Immediate access to cash is a game changer for me. This app has already saved me a few times. Great idea and great execution.” - curtgadget

"I absolutely recommend this app for anyone that needs a 'float' until the next payday!!" - Geo Murphy


Fast Company, Mashable, TechCrunch, Bank Innovation


Emerging Consumer Lending Platform


1. Install the free Float Credit app.
2. Create your account by connecting your existing bank account.
3. Float analyzes your account to approve* you for a line of credit.
4. Once approved, pair your debit card for instant transfers.
5. Start spending!


Unlike traditional lenders, we don't check your FICO score and won't ding your credit score when you create an account. Instead, we base credit decisions on how you make, spend, and manage your money.


Once an account is opened, you’re only charged when you draw on your credit line. We charge 5% for transfers to your bank account of $50 or more. For transfers under $50 we charge $2.50.
* No other fees, interest, or APR to access your line of credit.


We protect your sensitive information with full encryption and safeguards that meet industry best practices.


Float’s goal is to reinvent the credit experience for the modern, mobile consumer. We exist to free people from financial pressure and encourage them to live life on their terms.


Referral Terms and Conditions Apply. You will receive an increase of $10 to your credit line for each friend you refer through this offer who completes a valid application for Float Credit. There is no limit to the number of friends you may refer, however the maximum credit line you may achieve by referring friends is $1,000. If your credit line has reached $1,000, each additional friend you refer will not increase your credit line. Float Credit will still waive your friend’s first transfer fee even if you are not eligible for any additional increase to your credit line.

Due to the confidential nature of the credit approval process, we cannot disclose information on who has applied, nor will you be notified whether we approve or decline any applications(s) from the individual(s) you refer.

This promotion is subject to change and may be cancelled at any time without notice.

Other Terms and Conditions apply. Float is a lender offering lines of credit in states where permitted by law. Float Credit is currently available to residents of Utah and California in pursuant to state lending licenses. Float reserves the right to modify or discontinue products and benefits at any time without notice. To qualify, you must be at least 18 years old, a resident of the United States, and a resident of an eligible state to meet Float’s underwriting requirements. Services mentioned in this application may not be available in your area.

*Signing up does not guarantee any offer for or availability of credit. Applicants for credit will be reviewed on an individual basis and may be notified and asked to provide additional information and complete additional procedures before any offer of credit is made. If approved for a Float product or benefit, your actual terms and conditions will depend on a variety of factors, including your creditworthiness, income, state law, and other factors. Float may change the terms of any product or benefit, subject to applicable state and federal law.

Not all debit cards are currently supported for instant transfers, though we are working hard to improve this.

Copyright 2017 Float, Inc. and Float Credit, Inc. All Rights Reserved. FICO is a trademark of Fair Isaac Corporation.

What's New in Version 2.7.4

Latest: Bug fixes + use your referral code to increase your credit by up to $1000*!

As always, we like to include update-worthy reviews from members. Feeling left out? Leave us a review for a chance to be featured next time. Here are the latest:

"Loving this app! This is so much faster than a traditional credit card. The payment goes directly to your account so there's no need to wait for the mail. It's also cheaper and all around more convenient than a traditional card as well." - Aztlanrecords

"This app is awesome. Helped me out when I was in a pinch. Had to call in to customer service and the guy was really friendly and helpful. I would definitely recommend this to people." - The Real Hawaiian 818

For any questions, please email or chat with us inside the app.

*Terms and conditions apply. See App Store description.

iPhone Screenshots

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Customer Reviews

Worth a review and more

For someone who is reluctant to borrow money, especially from a credit loan company, Float has easily won me over with it's secure and hassle-free program and app. Sometimes, things can go awry and you might need some extra funds for a rainy day. Float offers that assistance with immediate results and allows you to build upon your credit amount for on-time payments. So simple to use. I am thrilled that Float exists. It has helped me at my worst of times and continues to do so.

Easy as can be!

I was in need of some cash for some non-emergent car repairs when I found Float. The process is pretty straight forward and easy to follow. They are upfront with the cost of borrowing and honestly it's extremely reasonable. They also remind you to make your payment a few times before it's due, so it's not a surprise bill that comes out of the blue and too late. Plus, it helps with your credit score, so I'll take it. Thanks, Float!

Quick, convenient and straightforward!

Quick, convenient and straightforward way to get "floated" some money when you need it. It's like getting a payday loan without the hassle or super high fees and interest rates! I feel like I'm just borrowing some quick money from a family member.

Float Credit
View in iTunes
  • Free
  • Category: Finance
  • Updated:
  • Version: 2.7.4
  • Size: 55.4 MB
  • Language: English
  • Seller:

Compatibility: Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.

Customer Ratings

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