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.

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

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.

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.

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.

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.