Pricing & transparency
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.
Standard transfer
Free
Always. Arrives in 1–3 business days to your linked bank account. This option is never hidden and never pre-deselected.
Instant to debit
$4.99
Optional. A single flat, capped fee if you want your money in minutes instead of days. That’s the whole fee — nothing stacks on top.
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 |
Get early access
We’re onboarding our first Missouri users now. Join the waitlist and we’ll reach out when your spot opens.
No spam. We’ll only email you about your early-access spot.