Everything we get asked most about the service, the Payactiv Card, earned wage access, and $200–$5,000 personal funding through PayactivUSA.
Payactiv is a holistic financial wellness platform that lets eligible workers access a portion of their earned wages before payday, use a Payactiv Visa® Prepaid Card, save automatically, pay bills and tap financial counseling — all through the Payactiv app. PayactivUSA also partners with licensed lenders to offer $200–$5,000 personal funding when earned wages alone are not enough.
You log into the app, see the earned wages your employer has reported, request a transfer, and receive funds on the Payactiv Card (instant, free) or in your bank account (next-day free, or instant for a small fee). The amount is reconciled on your next paycheck.
No. earned wage access is not a loan. You are tapping money you have already earned. There is no interest and no credit check for EWA. The $200–$5,000 personal funding offered through PayactivUSA is a separate credit product from licensed lender partners.
For the earned wage access feature, no. For the card, no — it is a prepaid product. For $200–$5,000 personal funding through PayactivUSA partners, there may be a soft or hard credit pull depending on the lender; this is disclosed before you consent.
EWA and the card do not report to the credit bureaus on their own, so they do not directly build credit. However, our Payactiv Live counselors can help you pair Payactiv with credit-builder products to design a credit-building plan.
Typically up to about 50% of your net earned wages for the current pay period, subject to a per-pay-period dollar cap set by your employer.
You get a virtual card immediately on approval, so you can use it online right away. The physical Payactiv Card typically arrives by mail within 7–10 business days.
Yes — anywhere Visa® is accepted, which includes most U.S. and international merchants. International transactions carry Visa's standard foreign-exchange fee.
Yes. Balances held in the issuing bank's custodial account are eligible for FDIC pass-through insurance up to standard limits. The card is issued through an FDIC-member bank partner.
Payactiv Live is the free 1-on-1 financial counseling service bundled with the service membership. Sessions are confidential and delivered by Accredited Financial Counselors (AFC®). See our counseling page for details.
Use the application form in the hero of our homepage. Enter the amount you want and your contact details, submit, and offers from licensed lender partners in your state arrive typically within minutes.
APR varies by state, lender, requested amount, repayment term and your credit profile. Every offer discloses the full APR, origination fees and total cost before you sign. We recommend reading the TILA disclosure box carefully.
Most PayactivUSA lender partners fund by the next business day via ACH to your bank account or the card.
No. PayactivUSA is an independent informational and lead-generation website. "Payactiv" is a trademark of its owner and is used nominatively on this site.
For member support inside the app, use the in-app Help menu. For questions about PayactivUSA — the website, our editorial team or the personal funding application — see our Contact page.
Once a transfer is instantly disbursed, it cannot be canceled, but you can repay early by adjusting the next payroll reconciliation through your app settings or by contacting Payactiv support.
Each account is tied to a specific employer's payroll feed. If you have two employers that both offer Payactiv, you may have two separate Payactiv profiles. The card can accept direct deposit from multiple employers.
Your Payactiv Available balance can be $0 if (a) your employer has not yet reported earned wages for the current pay period, or (b) your prior access amount has not yet reconciled against payroll. Both usually resolve within 24 hours.
EWA at the old employer stops when you leave. The card and any Savings balance stay with you. If your new employer also offers Payactiv, you may need to re-link the profile — contact in-app support.
Most PayactivUSA lender partners support autopay from the card or your external bank account. Setting up autopay is strongly recommended — it is the easiest way to avoid late fees.
If no lender partner can match your application, we recommend booking a free Payactiv Live counseling session to design a 90-day plan for improving your position. You can reapply later as your situation changes.
Pick an amount from $200 to $5,000, take 2 minutes to complete the form, and get a decision fast.
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