Your pay,
a little sooner.
Reach the wages you’ve already earned — days before payday. No tips, no interest, no credit checks. Just your money, when you need it.
Four simple steps
From linking your bank to getting your pay, the whole thing takes about a minute — and repayment happens on its own.
Connect your bank
Link securely through Plaid. Read-only access, bank-level encryption, no credit check.
See what you’ve earned
We estimate the pay you’ve already earned this cycle and show a small, honest amount you can reach.
Get your advance
Choose free standard delivery, or pay one small capped fee for instant to your debit card.
Repay on payday
We collect the advance automatically from your bank on your next payday. No late fees, ever.
One price. Written plainly.
The free path is always available and never buried. Instant delivery is optional, and it’s the only thing that ever costs money.
What we’ll never do
- ✓Ask for a “tip” or pre-select one for you
- ✓Charge interest or finance charges
- ✓Run a credit check or affect your score
- ✓Charge a late fee if payday shifts
- ✓Require a monthly membership
- ✓Advertise a big number most people never get
| For a small shortfall before payday | Payday loan | Overdraft | Wagevine |
|---|---|---|---|
| Typical cost | $15–$30 per $100 + APR | ~$35 per overdraft | Free, or $4.99 instant |
| Interest | Very high APR | None, but flat penalty | None |
| Credit check | Sometimes | No | No |
| Late fees | Yes | Yes | Never |
Built to be the honest option
Compliance-first
Launched as a registered earned-wage-access provider under Missouri law — not a workaround, not a gray area.
Small on purpose
We start with modest limits ($20–$100) so a short gap never turns into a spiral. Your limit grows as we learn your pay.
Radically transparent
Every cost is shown before you tap. The free option leads. No dark patterns, no urgency tricks, no surprises.
Good questions, straight answers
Is Wagevine a loan?+
No. It’s earned wage access — you’re reaching pay you’ve already earned. As a registered provider under Missouri law, what we offer is not a loan, credit, or money transmission, and our fees are not interest or finance charges.
Do you check my credit?+
Never. There’s no credit check to sign up or to get an advance, and using Wagevine has no effect on your credit score.
How much can I get?+
Small on purpose — $20 to $100 to start, based on the pay you’ve already earned this cycle. Limits can grow over time as we learn your pay pattern. We’ll only ever show you a realistic amount, not a headline maximum.
What does it cost?+
The standard transfer is always free (1–3 business days). If you want your money instantly to your debit card, there’s one flat, capped fee of $4.99. No tips, no membership, no hidden charges — ever.
How and when do I repay?+
Automatically. We collect the advance from your linked bank account on your next payday — nothing for you to remember. If your payday moves, we move with it, and we never charge a late fee.
Where is Wagevine available?+
We’re starting in Missouri and expanding carefully, one state at a time, only where we can operate as a properly registered provider.
Is my banking data safe?+
Yes. We connect through Plaid with bank-level encryption and read-only access. We never see or store your bank login, and we can’t move money without your say-so.
The fine print, up front
Wagevine is a registered earned wage access (EWA) provider in the State of Missouri (RSMo § 361.749). Products offered by a registered provider are not loans, credit, or money transmission, and expedited-delivery fees are not interest or finance charges under Missouri law.
Advances are based on wages you have already earned. Repayment is collected by ACH from your linked account on your regular payday. We do not charge interest or late fees. Tips are not solicited or accepted. A free standard-delivery option is always available.
This website describes a product in development. Features, limits, availability, and fees are illustrative and subject to change. Nothing here is financial or legal advice.
Get early access
We’re onboarding our first Missouri users now. Join the waitlist and we’ll reach out when your spot opens.