Your pay,
a few days early.
Reach the wages you’ve already earned — days before payday. Standard transfer is free, always. Instant is optional, priced up-front, and only if you want it. No tips, no interest, no late fees.
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
Free standard transfer (1–3 business days) is always there. For instant to your debit card, add Membership — the fee is shown before you send.
Repay on payday
We collect the advance automatically from your bank on your next payday. No late fees, ever.
Free by default. Fast if you want it.
A free standard transfer is always available and never pre-deselected. Instant delivery is optional and requires Membership — the exact fee for your amount is shown before you send.
| Advance amount | Instant fee |
|---|---|
| $20 – $99 | $7.99 |
| $100 – $150 | $9.99 |
| $150.01 – $200 | $12.99 |
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
- ✓Hide the free path or pre-check the paid one
- ✓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 $7.99–$12.99 instant with Membership |
| 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–$200) 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. 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?+
Advances range from $20 to $200, based on the pay you’ve already earned this cycle and your deposit history. Your limit grows over time as we learn your pay pattern. We only ever show you a realistic amount — never a headline maximum.
What does it cost?+
The standard transfer (1–3 business days) is always free and always available. Instant to your debit card (~5 minutes) requires Wagevine Membership: $5.99/month plus a per-transfer fee that depends on your advance amount — $7.99 for $20–$99, $9.99 for $100–$150, and $12.99 for $150.01–$200. The exact fee is shown before you confirm. No tips, no interest, no late fees — ever.
Can I cancel Membership?+
Anytime, in one tap, right from your Account screen. If you cancel with an advance still open, nothing changes on that advance — its terms and repayment date stay exactly the same, and the free standard path stays available forever.
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 and membership fees are not interest or finance charges under Missouri law.
Advances are based on wages you have already earned. Repayment is collected automatically by ACH pull from your linked bank account on your regular payday; the repayment amount equals the principal advanced. We do not charge interest, late fees, or returned-payment fees. Tips are not solicited or accepted. A free standard-delivery option is always available to everyone — Membership is only required for instant delivery, is disclosed up-front, and can be cancelled at any time in one tap in the app under More → Account.
This website describes a product currently in a private beta. The terms, fees, and limits shown here are the terms you will receive when Wagevine goes live in your state — they are not illustrative. We may update them before general launch; any change after you open an account will be disclosed to you in the app before it takes effect. 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.