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ONE@Work Instapay cash advance app review cash advance app review

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Turnaround time
Same day


Access up to 50% of your already-earned wages with eligible employers.

The ONE@Work app, formerly known as Even, has thousands of positive reviews because of its financial planning tools and Instapay feature, which allows you to borrow up to 50% of your net earnings before payday – with instant funding possible at either Walmart or to a ONE account. But it's only available through specific employers, like Walmart. Check with your employer to see if they offer this benefit.


  • Interest-free cash advances
  • Pick up cash instantly at Walmart
  • Get Instapay for free if your employer offers it
  • More than just a pay advance app


  • Your employer must use ONE@Work Instapay
  • No list of employers
  • Only borrow 50% of the net pay you’ve already earned
  • A small fee will apply for instant deposits if not set up by your employer

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Product details

Product Name ONE@Work
Loan Term Varies
Turnaround Time Same day
Costs $8 monthly membership fee
Requirements Employer must be a ONE@Work partner.


  • Interest-free cash advances. InstaPay doesn’t require you to tip or pay interest for its cash advances.
  • Pick up cash instantly. If you don’t want to wait one business day to have your cash advance credited to your bank account, you can pick up your cash at any US Walmart immediately at no cost to you.
  • More than just a pay advance app. Although InstaPay is one of the major benefits of using the ONE@Work app, you can also budget and see how much you’ll have left to spend for the pay period after your monthly bills. And soon, you’ll even be able to set up automatic savings to reach your financial goals.


  • Your employer must use ONE@Work InstaPay. Not everyone has access to the InstaPay feature of the ONE@Work app — only select employers back it.
  • No list of employers. Curious if your employer uses ONE@Work? Unfortunately, there’s no list of employers on its website. You’ll have to either contact ONE@Work customer support or ask your payroll manager for more details.
  • Only borrow 50% of the net pay you’ve already earned. To help keep your finances balanced, ONE@Work InstaPay only allows you to access up to 50% of the money you’ve already earned.

Our take on ONE@Work Instapay

ONE@Work is best for people who work for an eligible employer that’s partnered with ONE@Work. For workers who qualify, you can get an advance of up to 50% of your paycheck based on the hours you’ve worked. But since ONE@Work doesn’t list its partners online, you’ll need to check with your employer to see if they offer this benefit.

There are no monthly membership fees or interest for using the app, and you have several options for accessing your cash. Cash pickups at Walmart are immediate, normal bank transfers to an external account take one business day, and transfers to a ONE account are immediate with select employers.

Highly-rated by thousands of customers, ONE@Work is a useful app if you want a way to stay on top of your finances and get cash before payday. But if you don’t work for a qualifying employer, you’ll want to compare other payday cash advance apps instead.

ONE@Work Instapay overview

If your employer partners with ONE@Work, you can take advantage of multiple features, including 50% payday advances, free transfers if they’re supported, and other budgeting and saving tools. ONE@Work either deducts the funds from your next paycheck or debits them from your connected bank account.


  • Withdraw up to 50% of the net pay you’ve already earned.
  • One business day for bank account transfers and instant cash pickup at any US Walmart.


Make sure you meet the following eligibility requirements to sign up for an ONE@Work Plus membership and InstaPay:

  • Work for an eligible employer that partners with ONE@Work
  • Have a bank account with a US-based bank or credit union
  • Have debit card access to your bank account
  • Have a regular source of income that’s directly deposited into your account
  • Have a GPS-enabled smart phone with a data plan

Other features

In addition to payday advances, ONE@Work offers a suite of financial tools that can help make managing your money easier. This includes a special savings account you can send money to each paycheck and draw from when needed, as well as bill prediction to help you keep track of your upcoming expenses.

ONE@Work also updates your finances three times a day to give you an accurate “OK to spend” amount. This is the money you have in your bank account minus the money you’ll need for bills. It uses your previous transactions to predict future expenses.

ONE@Work Instapay reviews and complaints

BBB accredited Yes
BBB rating A+
App Store Score 4.9 out of 5 stars, based on 64,900 customer reviews
Google Play Score 4.7 out of 5 stars, based on 46,771 customer reviews
Customer reviews verified as of 18 December 2023

ONE@Work earns high praise from tens of thousands of reviewers on Google Play and the App Store. Customers report being happy with the InstaPay feature — which they say helps with unexpected bills — as well as ONE@Work’s free financial planning tools. While most say good things about the app, some customers report disliking ONE@Work’s new dark theme, with no option to go back to the old light theme.

Unlike many other cash advance apps, ONE@Work is accredited with the Better Business Bureau (BBB) with an A+ business rating, with only a handful of complaints reported – unusual for a financial services company. Overall, ONE@Work appears to take its customers’ complaints seriously and has responded to feedback about the app not performing as expected.

ONE@Work InstaPay cash advance vs. payday loans

ONE@Work InstaPay isn’t a loan. This means that, unlike payday loans, you pay zero interest on the amount you borrow. However, you’ll still have to pay a subscription fee, even if you don’t use InstaPay frequently.

ONE@Work InstaPay cash advancePayday loans
Borrowing amountUp to 50% of your earned wagesTypically up to $1,000, and most states allow only one at a time
Turnaround timeOne business day for bank account transfers, instant cash pick up at any US Walmart, and instant to ONE accountsUsually same day
Application processSign up through the app, connection to bank account requiredSimple online application, typically requires Social Security number and bank account numbers
Costs$8 monthly ONE@Work Plus membership feeHigh interest rate that can equal fees of $15 to $25 per $100 borrowed
AvailabilityOnly available through select employersProhibited in some states

Is ONE@Work safe to use?

In general, yes — though no app can ensure your information stays 100% secure. ONE@Work does its part by using 256-bit encryption to keep your information safe from hackers. Its systems have also been checked over for security compliance, and it performs regular audits to ensure sure your personal and banking details are kept private.
While ONE@Work won’t sell your details, it may share your information with third parties. If you have any questions, you can read over ONE@Work’s privacy policy or contact customer support at

Compare ONE@Work Instapay to other cash advance apps

Compare even more cash advance apps to find the right one for your lifestyle and budgeting needs. View maximum loan amounts, turnaround times and applicable costs and fees. Visit our guide to cash advance apps to learn more about how these work — or browse a list of apps like ONE@Work.

Name Product Filter Values Max. amount per pay period Turnaround time Costs
Finder Score: 4.7 / 5: ★★★★★
Get up to $100 per day or $750 per pay period.
1 to 3 business days, or same-day for a fee
Free to use or instant with a fee as low as $3.99.
No mandatory fees, no interest and no credit checks. Subject to EarnIn terms & conditions.
Chime SpotMe®
Finder Score: 4.2 / 5: ★★★★★
Chime SpotMe®
Up to $200
Same day
No fee
Access fee-free overdrafts up to $200 when eligible. Plus get your paycheck up to 2 days early with direct deposit. See Chime terms and conditions.
Finder Score: 4.1 / 5: ★★★★★
Up to $250
3 to 4 days standard transfer. Same day with $3.99 - $9.99 express fee.
$5.99 monthly membership fee to access cash advances
Automatically monitor your spending plus access cash advances up to $100 at a time.
Not rated yet
Based on the amount of accrued PTO
2 to 5 days
No fee
Tap your unused PTO for a cash advance so you can access that money early. Available in: CO, FL, IL, MA, NY, NJ, TX, VA, OR, AR, NE, TN, ME, CT, WV
Go to site
Dave ExtraCash
Finder Score: 4.2 / 5: ★★★★★
Dave ExtraCash
Up to 3 business days, or instant for a fee
$1 monthly membership fee and express delivery from $3 to $15 fee
Borrow up to $100 to avoid hefty overdraft fees.

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February 02, 2020

How soon after I set up my account can I take an Instapay?


Joshua Finder

February 02, 2020

Hi MicheleM,

Thanks for getting in touch with Finder. I hope all is well with you. 😃

That’s an interesting question.

Once you are done with setting up your account, you can immediately apply for an Instapay or pay advance. As long as you’re done with all the necessary steps and provided requirements, then you are good to go. Please note though that if you decide to receive money through your bank account, it may take one business day before you receive your money.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!



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