Now any day can be payday

Switch your payroll and qualify to get up to a $500 Paycheck Advance.¹

Person, triumphant holding their phone
  • Payday is just one tap away

    Instant Access Disclosures

    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.

    Get instant access to your paycheck in advance for a fee, or get it within 3 business days for free.

  • Unlimited access

    Paycheck Advance Disclosures

    For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. For more information, please refer to Paycheck Advance Terms and Conditions.

    Advance as much as you qualify for, as often as you need.

  • 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

Sign up for Current and enroll in Paycheck Advance to qualify for up to a $500 advance before payday.

2. Connect your paycheck

To qualify for the max amount, receive an Eligible Payroll Deposit in your Current Account. Alternatively, you can link an external account where your paycheck is already deposited.

3. Grow your limit

Maintain that payroll amount every month 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

1 to 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

FAQ

  • 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.

  • 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.

  • 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.

  • 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.”

  • 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.”

  • 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.

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