# Credit Genie

> Credit Genie is a U.S. consumer fintech founded by Ed Harycki in 2019. Its mobile app combines Cash Boost access to earned, unpaid income with spending insights, subscription management and AskGenie, an AI financial assistant. Paid membership costs $9.99 monthly; advance eligibility and delivery fees are separate considerations.

- **Founded:** 2019
- **Headquarters:** Philadelphia, United States
- **Founders:** Ed Harycki (Founder and CEO)
- **Products:** Cash Boost, Money Manager, Subscription Manager, AskGenie, Earn
- **Notable:** Company reported reaching more than one million Americans by 2023., Raised a company-announced $4 million Series A and subsequent $10 million financing in 2023., Added advance-related actions to AskGenie after analyzing actual customer conversations.

## Products & services

- **Cash Boost** — Eligible users can access $10-$150 of accrued, unpaid income. The company reports no interest, hard credit check or late fees; eligibility varies. Standard delivery is available without a delivery fee.
- **Money Manager** — Spending and cash-flow insights, budgeting and low-balance alerts using linked accounts.
- **Subscription Manager** — Detects recurring charges, alerts users to price increases and helps cancel unwanted subscriptions.
- **AskGenie** — AI financial assistant with financial insights and supported actions including advance information and repayment-date changes. Availability may vary during rollout.
- **Earn** — Gradually rolling out game-based rewards. A July 2026 help article describes monthly bank payouts subject to a $10 minimum.
- **Credit Builder** — July 2026 onboarding documentation mentions a credit-building line for enrolled users; broad availability and product terms are not established here.

## Achievements

- Company reported reaching more than one million Americans by 2023.
- Raised a company-announced $4 million Series A and subsequent $10 million financing in 2023.
- Added advance-related actions to AskGenie after analyzing actual customer conversations.
- Documented a cross-repository documentation portal and nightly update workflows in September 2026.

## Latest updates

- **2026-09** — LangChain published an account of Credit Genie using OpenWiki to maintain codebase documentation and a searchable portal.
- **2026-09** — Website disclosure dated September 14 reported average Cash Boost approvals of $70 for new users and $110 for repeat users, with an advertised $150 maximum.
- **2026-07** — Help center clarified the membership-waiver route to Standard Cash Boost delivery and listed six excluded jurisdictions.
- **2026-04** — Engineering team described weekly conversation analysis and expanded AskGenie functions.
- **2026-03** — Help center described the transition from $4.99 biweekly bank-connection charges to $9.99 monthly membership.

## Links

- Website: https://www.creditgenie.com/
- LinkedIn: https://www.linkedin.com/company/creditgenieus
- Twitter/X: https://twitter.com/CreditGenie_US
- Instagram: https://www.instagram.com/creditgenie_us
- Facebook: https://www.facebook.com/Credit-Genie-100323205349763

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Profile page: https://yespress.io/credit-genie
Published by YesPress — https://yespress.io
Last updated: 2026-10-25