Oasis Cash Advance Review – Is It Legit & Worth Using?

Need access to quick cash? Then Oasis, a new app for cash advances, could be what you're looking for.

This new app from Kikoff lets you borrow $25 to $250 in a cash advance to help cover bills and expenses. And there's no interest or credit check to worry about.

But is Oasis legit? And how does this app stack up against the competition? Read our Oasis cash advance review to get the full scoop!

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Key Takeaways:

• Oasis offers cash advances between $25 to $250
• There's no interest or credit check requirement
• Oasis costs $9.99 per month
• Deposits are free unless you pay for express delivery
• Kikoff, the parent company, also offers a credit building product

What Is The Oasis Cash Advance App & What Does It Offer?

Oasis is a new cash advance app from the credit building company Kikoff that lets users borrow money against an upcoming paycheck. If you need cash to pay rent, bills, or to just get by, these kind of apps are designed to hold you over until payday.

The app is similar to other apps in the space like Cleo and Dave. And all you need to sign up is your email. You then connect your bank account to the app, and Oasis lets you borrow $25 to $250 if you qualify for an advance. No credit check, and no interest on your advance.

How does Oasis know you’re not a risky borrower without checking your credit score?

Well, it analyzes your connected bank account to view your paycheck history. Based on your balance, income, and spending habits, it then determines how much you can advance. You then pay Oasis back automatically once you get your next paycheck.

So what about Kickoff, the parent company?

Kikoff is a credit-building app that you can use if you want to improve your credit score. The app basically gives you a credit line of up to $750, with a simple catch—you can only spend it in the Kickoff store. You can then improve your credit score over time by having a lower utilization rate and making on-time payments.

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Oasis Cash Advance Fees & Requirements

Oasis charges a $9.99 monthly membership fee if you want to unlock cash advances. This is how the app makes money without charging interest on advances. You can also pay an instant deposit fee if you need money now, which costs anywhere from $0.99 to $3.99, depending on the size of the advance.

Alternatively, you can wait a few business days for a fee-free advance. However, the membership fee is a bit steep. Apps like Brigit charge $8.99 per month, and EarnIn, our favorite advancing app, doesn't charge a membership fee.

Overall, Oasis is similar to a lot of advance apps out there. Just note you need to be 18 or older and live in the United States to sign up. You also need steady paychecks, so if you're not employed, you likely won't qualify for Oasis' cash advance.

Is The Oasis Cash Advance App Legit?

Oasis Cash Advance & Credit is legit and lets its members borrow up to $250 against a future paycheck. And while the app is new, it has a 3.6 star rating on the Apple App Store and over 862 reviews from members.

Most negative reviews come from users who report Oasis having trouble verifying their income and connecting to their bank account. But to be fair, it's a very new app. Many users are also happy with the service and their cash advance limit.

Only time will tell. But a good sign is how well Oasis responds to customer complaints. Here’s a very telling review: one user wrote “Updating My Rating,” and explained that they previously left a low rating because of issues with detecting income. “They have since fixed the issue in their latest update!” This user updated their rating to five stars.

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Pros & Cons

Pros:

• Oasis doesn't charge interest on cash advances
• No credit check requirement
• No advance fees if you wait a few days
• Kikoff also offers credit building tools

Cons:

• Expensive monthly membership fee of $9.99
• Lower cash advance limit than competing apps like Dave and EarnIn
• Some users report bugs with connecting their bank accounts to Oasis
• No other tools offered besides cash advances

What Are Some Good Cash Advance Apps Like Oasis?

We think Oasis can be a useful app if you need quick money in a day. But we also dislike how expensive its membership fee is.

Plus, as mentioned, there are plenty of other useful apps out there you can try, including:

• EarnIn (our top pick)
• Dave (best for side hustlers)
• Klover (best for low income)
• Super.com (best for cash back)
• Cleo (best for gig workers)
• Yendo (best for vehicle owners)
• Empower Cash Advance (best app with line of credit)
• Chime MyPay (best for low fees)
• Varo (best digital bank)

Keep in mind that the back-end risk analysis of these apps may all be different. If you need to borrow $100 or some similar amount and you can’t get it on one app, try them all. There is no hit to your credit. They just need to analyze your checking account and see how much you get paid, and when.

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Is There Customer Service?

There is customer service, but it’s email-based: [email protected].

Final Thoughts

Is Oasis legit? Certainly. It’s a product rolled out by Kickoff, whose flagship app is holding the #44 spot in the finance charts. But a bigger question must be considered: is the Oasis Cash Advance App a good solution?

If you need $50 one or two times per year, the Oasis app is a great fix. But if you find yourself using it over and over again, you need a different solution: more income or tightening your spending (or both). Even more so, considering that Oasis membership will cost you $120 per year.

At WebMonkey, we much prefer EarnIn and Dave to Oasis. They cost less and have more built-in tools than you get with Oasis. Hopefully, this review helps you decide if this app is really right for you.

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