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.

Never. There’s no credit check to sign up or to get an advance, and using Wagevine has no effect on your credit score.

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.

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.

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.

We’re starting in Missouri and expanding carefully, one state at a time, only where we can operate as a properly registered provider.

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.