Meet Clerkie, your reliable money assistant. Clerkie helps you borrow money, get out of debt and build your credit by negotiating up to 70% off your debt.
Clerkie (clerkie.io) has 84 customer reviews on Five Star Index, with an average rating of 4.5 out of 5.
Also known as
clerkie.io
Website
clerkie.io
Category
Credit & Debt Services
Location
San Francisco
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 5% of reviews.
Latest
Most recent review: March 2025.
Edits
Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
Score
This company cannot pay to remove reviews or change its score.
Installed the app back in 2022 and used their credit builder loan until the beginning of 2025 when it was paid in full. Problem was they still were taking money from my bank. Also had issues switching banks for withdrawals. Left emails because that's the only way to contact them now since their chat support no longer seems to work. No responses left so I decided to close my account. It's been three months since I closed and they're holding $294. Seems as though they abandoned the whole operation but apparently they're changing their app entirely. Do not use if you don't want to lose money.
TS
Thomas S.
A Bunch of Frauds!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
These people are a bunch of Con Artists. I could not give a negative rating. They first tell me they are going to issue a loan but do not know how long it will take since the person was talking with did not know how they sent the money. Then overnight I get an email accusing me a fraud and that they could not verify my bank account. They suggested I open a new checking account. Stay away from them FRAUDS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
NF
Napping F.
Don't use Clerkie
Don't use Clerkie. No customer service. CLerkie account balance doesn't update. They will take your payment then it takes them a week to post it to your account.
KA
Kayla
this app is a complete scam
this app is a complete scam. The interface legit looks like a 6 year old designed, as another reviewer said the app literally doesn't do anything other than collect information deleting my acct as well.
AD
Amber D.
This app is straight trash
This app is straight trash! They didn’t negotiate anything for me and my id verification had been pending for a month. After way too many emails, still not a single response. Don’t waste your time referring anyone either, because it will also never verify them to get the $25.
RM
Ryan M.
SCAM!!
SCAM!!! Reviews are full of fake profiles with ALMOST ALL OF THEM only having 1 review and being INVITED! .... APP AND WEBSITE STILL IN BETA DESPITE TRUSTPILOT PROFILE BEING ACTIVE SINCE MID 2020.... Read the detailed company transparency report, Clerkie flags any negative reviews and get them removed. They have flagged 19 of 1 and 2 star reviews over 40 times!
ALL APP AND WEBSITE DOES IS COLLECT PERSONAL INFO. NONE OF THE OTHER FEARURES WORK AND DEVELOPERS DONT RESPOND TO INQUIRES, ISSUES, OR HELP.
Use a better app if you need loans like Dave, Bridgit, Cleo, Klover.
DO YOUR OWN RESEARCH, DONT GET SCAMMED
Update: lol at your response. The only email that was ever replied to was MY request to close my account. I never had a chance to upload my ID because nothing on your app works. I wasnt flagged for fraud do dont know why you're lying on here. I have the emails to prove it. Also what would be the point of using an invalid checking account to recieve a cash advance??? Yes, please send money to an account that doesnt exists, makes perfect sense.... DEF A SCAM!
I guess me warning others of your information phishing scam is considered bullying nowadays.
Just for the lolz here is a copy of the email you sent me after I requested you close my account, which will contradict your response about why you deleted my account:
Hi Ryan,
Just wanted to follow up to confirm that your account and all related information has been successfully deleted. Furthermore, we take fraud and security very seriously and work closely with our banking partners to make sure your information and money is secure and never compromised. Our systems use bank-level security and adhere to stringent security and privacy policies (PCI, CPRA, etc) and we’re confident there is no leakage on our end and that everything is buttoned up.
I had our team look into your account just to double-check and again confirmed that the login notifications you received could not have been triggered by our systems since your credentials do not touch our systems and are handled directly by your bank (Varo) through their integrations with Plaid. If you are receiving security notifications from your bank, then we’d highly recommend resetting your password as soon as possible.
As mentioned, your account deletion process is complete. Please let us know if there is anything else we can assist with. Thank you again for being a part of the Clerkie community and apologies for failing to meet your expectations.
Warm regards,
Clerkie Support
On Mon, Sep 13, 2021 at 3:30 PM Clerkie Support Team support wrote:
Hi Ryan,
You’ve reached the Clerkie Support Team. My name is Josh, I’ll be assisting you with your account deletion today.
First, on behalf of the Clerkie Support Team, we’re very sad to see you go and are incredibly disappointed in ourselves for failing to meet your expectations. I’ve already gotten the process started on your account deletion and it should be done within the next hour.
We go above and beyond for our customers, and want to make sure your voices are heard. So, we would love to get your feedback to make sure that we fix any problems you may have encountered to avoid the same mistakes for others like yourself.
Thanks again for trying out Clerkie, and apologies again for failing to meet your expectations!
Warm regards,
Clerkie Support Team
On Mon, Sep 13, 2021 at 2:58 PM Ryan Maucher wrote:
Please close my account and delete my information. Since I have put my bank info into your app, I've had three emails about log in attempts from different ip addresses. Please delete all my information asap as your app has major security issues.
Ryan maucher
Response from ClerkieSep 20, 2021
Hi there Ryan, looking at our records it looks like your account was flagged for potential fraud and subsequently deleted along with all your personal details at your request (which is not unusual for fraudsters trying to destroy evidence). We take security very seriously and from what I can see, it looks like you attempted to request an Instant Cash with an invalid checking account and a questionable ID which our systems ultimately caught and placed on hold. This was communicated to you in the app and unfortunately any attempt to come online and try to bully or force your way into an Instant Cash approval is still not going to solve that or change these facts. Best of luck on the other services mentioned above, they're all great services!
MH
Mary H.
I Just buy 10$ subscription to get my…
I Just buy 10$ subscription to get my instant cash but they keep cancelling I don't know why.
Response from ClerkieJun 20, 2021
Hi Mary, looking at our records, you actually took out an outstanding debt from April that is 3 months past due and tried to defraud the system again by requesting multiple Instant Cash several times (which thankfully our systems caught). We take security seriously and have built a robust system to mitigate fraud - which is why your requests have been blocked. If you'd like to repay your outstanding debt and make things right to settle your account, you can always do so in the app.
JW
Jelly W.
I signed up for clerkie and it robbed me
I signed up for clerkie and even subscribe to get instant cash. I was depending on it and now ...waiting a day to now it's about to be two days and I didn't receive no money. Yet they took $8 out of my account quickly. I was going to use other services but now I don't trust clerkie any more!
Response from ClerkieJun 20, 2021
Hi Angelica, happy to help. Looking at our records, it looks like the deposit was made to your account the same you requested the Instant Cash. A confirmation was sent by your bank in the app and the trace number was also included for your records. One of our staff members also attempted to reach you several times by phone to see if you still needed any assistance. I believe this issue was resolved but, if not, happy to help anytime! If you're still having issues, feel free to send us an email at [email protected] with the code TPJW-JUN20 and I can personally make sure that you're taken care of!