Now any day can be payday
Switch your payroll and you could qualify to get up to a $500 Paycheck Advance.
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Payday is just one tap away
Get instant access to your paycheck in advance for a fee, or get it within 3 business days for free.
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Unlimited access
Advance as much as you qualify for, as often as you need.
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No credit checks
There are no credit checks required to qualify for Paycheck Advance, and we don't report your withdrawals or repayments.
How to get Paycheck Advance
1. Sign up
Download our mobile app and create your account with Current.
2. Connect your paycheck
To qualify for the max amount, receive Eligible Payroll Deposits of more than $500 in your Current Account. Alternatively, link an external account where your paycheck is already deposited.
3. Grow your limit
Maintain that payroll amount every month with Current and your Paycheck Advance limit could improve over time.
See how Paycheck Advance stacks up
Find out how Paycheck Advance differs from various loan and cash advance products.²
 Paycheck Advance | Personal Loans |
Interest N/A | Interest 6% - 36% |
Available Amount $50 to $500 | Available Amount $500 to $100k |
Speed of Deposit 3 days for free Instantly for a fee³ | Speed of Deposit 1-3 days |
Credit Checks Nope | Credit Checks Yes |
Flexible Repayment Yes | Flexible Repayment No |
Sources: Personal Loans (Link), Payday Loans (Link), Credit Card Cash Advance (Link)
² Paycheck Advance is an earned wage access service and is not a loan or credit product.
³ Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.
Join over 4 million members
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Current is just flat out awesome, I highly recommend Current as a primary or a second banking account. So many great benefits!
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I absolutely love this card, it's super easy to sign up and use. Love that it gives me my balance every time I use it!
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This is the best fintech "bank" account, better than Chime and Citi combined, and as good as CapOne 360!
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Love this card! you get paid early and have overdraft protection, customer service are always pleasant and helpful
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The features are terrific. My Current account makes banking easy and simple. Love the modern touches which are actually useful.
FAQ
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What is Paycheck Advance?
Paycheck Advance allows you to access a portion of your next paycheck before it hits your account. With Paycheck Advance, you can spot yourself with up to $500 so you're covered when it matters most. Now, there's no need to worry about running out of cash between paydays.
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Will using Paycheck Advance impact my credit score?
Using Paycheck Advance will have no impact on your credit score. You can think of Paycheck Advance as a way to access your funds when you need it most.
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How often can I take a Paycheck Advance?
You can take a Paycheck Advance as many times as you'd like up to the amount that you qualify for.
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How does repayment work?
Repaying your Paycheck Advance is simple and easy! When your next payroll deposit arrives in your Current account or connected deposit account, the funds will be collected automatically from that deposit to repay your outstanding Paycheck Advance. Alternatively, you can choose to repay your outstanding Paycheck Advance early by visiting the Paycheck Advance screen and tapping on “Repay Advance.”
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How do I become eligible for Paycheck Advance? Is there a way to check in the app?
To qualify for Paycheck Advance, you must receive Eligible Payroll Deposits into your Current Account or to an external bank account that you connect through Current. There are also other qualifying criteria that may apply. You can check if you’re currently eligible for an advance in the Current app by going to the “Services” tab and selecting “Paycheck Advance.”
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Where do I go to learn more about Paycheck Advance?
Chat with us live in the app. We're available 24/7 to answer your questions. Or visit our FAQ.