Request a Demo Log In

Get up to $150 with Access+

Introducing Access+: free cash advances up to $150 to cover life’s unexpected expenses and help you avoid overdraft fees.
Get started
AccessPlus
Star Rating

Join more than 59k people that love us in the app stores

“This app is a life saver! Not to mention easy to use and always there when I need it!”
– Payactiv User
“The ability to not only access your pay early but also to directly pay your biller is a life saver!! Thank you, Payactiv!”
– Payactiv User

How it works

link up

Link up

Link your bank account, associated debit card, and verify your identity to qualify for up to $150.
Payactiv how it works step2

Cash out

Get a free advance up to $150 in your bank account in 3-5 business days or pay $1.99 for an instant transfer. No interest. No games.
Payactiv how it works step3

Pay back

What you cash out today, we get back when you get your direct deposit plus any optional instant transfer fees and tips. You can even pay it back sooner in the Payactiv app.
Get Ahead

Get Ahead

We analyze your linked accounts and if we think you’re running low before payday, we’ll let you know so you can choose to take an advance and avoid fees.
Get started
There are times Payactiv was the only reason I could pay bills, get gas and even eat.
- Payactiv user since 2019
Payactiv is always there for me when I need it. Can't live without it.
- Payactiv user since 2020
Its helped me more times then I can count. Desperately need money at times and I can always count on Payactiv.
- Payactiv user since 2020
It's been a great help keeping my family afloat after my wife lost her job due to the pandemic.
- Payactiv user since 2020
Payactiv is a great app. I have access to the money I need when I need it. Payactiv is incredibly convenient.
- Payactiv user since 2020

Get Access+ today!

  • Advances up to $150
  • No interest
  • No credit check
  • 100% peace of mind
Get started
access plus

2021 Winner of B-Corp Best for the World™ for Excellence Beyond Profit, Digital Wallet Impact Innovation Award, and American Business Award for Company of the Year in Financial Services.

Payactiv Awards 2021

Have questions? We have answers.

All we need is your name, phone number, bank account and debit card information. No credit check is needed. You will qualify for Payactiv Access+ based on your history of paycheck direct deposits in your bank account.
You will qualify based on your history of paycheck direct deposits in your bank account. There is no credit check to qualify!
Get a free advance to your bank account in 3-5 business days or pay $1.99 for an optional instant transfer.
No. There’s no interest rate, no credit check and no hidden fees.
There is no catch! It’s just money in your hands, when you need it.