Payactiv Reviews

"Payactiv EWA saved my car. My alternator died on a Tuesday, payday was Friday, I pulled $220 in 90 seconds right onto my Payactiv Card. Mechanic took it the same afternoon. Nothing in payday-loan land would have been that fast or that cheap."

"I switched my direct deposit to the Payactiv Visa Card and now I get paid every other Wednesday instead of Friday. Doesn't sound huge until your rent is due on the 1st and payday falls on the 3rd."

"Easy process, approval was fast. I used Payactiv for an earned-wage advance last month and then applied for a $1,200 personal funding option here when I needed more. Clear fees, no surprise charges."

"The free counseling call through Payactiv Live was better than I expected. Elena-type counselor, not a sales pitch. We mapped out a 6-month plan to pay off a medical bill without touching my credit card."

"Round-ups on the Payactiv Card quietly built me a $340 emergency fund over the summer. I didn't notice the $0.30s and $0.60s leaving, but I definitely noticed when I didn't need to borrow for new tires."

"The EWA was great but my employer caps me at $150 per pay period which doesn't always cut it. I ended up using the $500 funding offer through PayactivUSA for a bigger expense — fair APR, cleared the next morning."

"Payactiv Bill Pay has been a game-changer. All five of my recurring bills are scheduled from the Payactiv app now. No more missed utility payments."

"Instant transfers to my old bank cost a dollar which I don't love, but it's a tenth of what my previous cash advance app charged. Switched my direct deposit to the card and the fee went away entirely."

"The Perks tab had a prescription discount that beat GoodRx on my son's inhaler. Didn't even know Payactiv had that."