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★★★★★

(12 reviews)

DailyPay pay advance app isn't available on Finder right now.

Turnaround time: 1 to 3 business days: free. Instant: $3.49 flat fee (fees vary by employer — log in to your account for your specific fee).

Our verdict

Offers instant access to earned income without interest or credit checks, but employer participation is required.

DailyPay is a paycheck advance app that allows you to access 100% of the wages you’ve earned in a pay period. This feature makes it a good option for someone who needs a larger advance than standard cash advance apps offer. But Dailypay can be more limiting than other options, as you only qualify if your employer is a Dailypay partner. If your employer doesn’t offer the service, check out apps like DailyPay that you may be eligible for.

Best for: Employees at companies that partner with DailyPay — it's not available otherwise.

Pros

Receive up to 100% of your earned income
Doesn’t require a Social Security number
No credit check or interest

Cons

Must work for a DailyPay partner
Hard to reach customer service
Fees for instant transfer

Is DailyPay legit?

Yes, DailyPay is a legitimate paycheck advance app. Founded in 2015, DailyPay is BBB accredited with an A+ rating. It works with a wide range of companies including Target, Kroger, Oracle and more. The app has the highest security certifications in the industry, and it uses bank-level security to encrypt and secure its customers’ information.

What makes DailyPay shine?

DailyPay stands out by offering a simple way for workers to access wages they’ve already earned with no credit check or Social Security number required. Users don’t even need to worry about filling out an application. Once you’ve set up your account, DailyPay is linked with your employer’s payroll system so the app automatically shows how much you’ve earned so far.

You can then transfer as much as you’d like. Free standard transfers take one to three days, and instant transfers are available for a small fee. Other than the optional instant transfer fees, there’s no other cost to use DailyPay — no subscription fees, interest or tips required.

Where DailyPay falls short

The biggest way DailyPay falls short is its lack of availability. You can only use it if your employer has signed up for the service. If your employer doesn’t offer this option, you’ll have to check out other cash advance apps instead. And though DailyPay advertises that you can access up to 100% of your earned income, that’s not exactly true. Employers get to set what percentage you can transfer, so your limit may be lower, like around 60% to 70%.

There’s also the instant transfer fee, which is determined by your employer and can reach up to $3.49, which cuts into your pay a bit. Plus, there are quite a few complaints online about the app not updating pay every day, slow transfers, incorrect amounts taken out of paychecks and customer service that’s hard to reach.

DailyPay details

Product name	DailyPay
Borrowing limits	100% of the pay you’ve earned up to $1,000 per day
Loan term	Taken out of your next paycheck
Turnaround time	1–3 business days for free Instant for a flat fee up to $3.49 (can vary by company)
Costs	None except the optional instant transfer fee
Requirements	Work for an employer that offers DailyPa

DailyPay contact info

US phone number	833-998-2449
International phone number	801-559-3868
Customer service hours: general inquiries	24 hours a day, 7 days a week
Customer service hours: card support	Weekdays: 7 a.m. to 1 a.m. ET Weekends: 8 a.m. to 8 p.m. ET
Email	support@dailypay.com
X, formerly Twitter	@DailyPay
Facebook	@daiilypay

How to qualify for DailyPay

There are only a few requirements to use DailyPay:

Work for an employer that offers the service
Be at least 18 years old
Receive your pay via direct deposit, prepaid debit card or payroll card
Have a valid email address

As part of the account registration process, you may need to provide your work phone number, work email, government-issued ID or last four digits of your bank account, but you don’t need to have a Social Security number to qualify. If your employer doesn’t yet offer Dailypay, contact your human resources department to make a signup request.

Other features

Though DailyPay is most widely known for giving early access to your earned wages, the app offers a few other features:

Balance tracking so you can see what you’ve earned in real time
Auto Save tool to help set aside money from each paycheck
In-app financial counseling (not available to all users)
Credit score tracking
Cash back offers through the DailyPay card
International money transfers (with the DailyPay card)

DailyPay reviews and complaints

BBB accredited	Yes
BBB rating	A+
BBB customer reviews	3.76 out of 5 stars, based on 1404 customer reviews
BBB customer complaints	317 customer complaints
Trustpilot Score	4 out of 5 stars, based on 1,453 customer reviews
App Store Score	4.8 out of 5 stars, based on 348,500 customer reviews
Google Play Score	4.7 out of 5 stars, based on 181,000 customer reviews
Customer reviews verified as of	10 July 2025

Reviews for DailyPay are generally mixed. Those who give the app high marks comment on how convenient it is to receive their pay early when needed. Some also praise how easy the app is to use and the company’s helpful customer service team.

But users also report plenty of problems, including issues with the app, delayed deposits, money supposedly missing, random cancellation of accounts and customer service that’s hard to get ahold of.

What do people on Reddit say?

There are many different conversations on Reddit about DailyPay, mostly in subreddits for employers that offer the service. The most common post is asking if others have used it and if it’s legit. In response, other Redditors reply that it is legit but warn about using it too often then not receiving much pay on payday.

Others complain about DailyPay not updating their pay which makes it impossible for them to access it. There’s also some discussion about what percentage of pay can be transferred prior to payday, which is set by each employer.

Compare DailyPay to other apps

Select up to four cash advance apps and hit the Compare button at the bottom of the page to see how they match up. To learn more, select Go to Site to visit the app’s website.

6 of 6 results

Finder Score	Loan amount	Turnaround time	Requirements
9.5 Excellent EarnIn	9.5 Excellent	Up to $150/day, with a max of $1000 between paydays	1–2 business days standard; minutes with Lightning Speed	At least 18 and a US resident, Valid Social Security number, At least 60 days of banking history, Proof of consistent income, Positive bank balance, Get paid by direct deposit.	Access up to $150 per day, with a max of $1000 between paydays. Not available to CT or Washington, D.C. residents. Subject to EarnIn terms & conditions.	Important information EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.	Go to site View details Compare product selectionCompare	loading
8.2 Great Cleo	8.2 Great	$20 to $250	3 to 4 days or instant for a fee.	Not stated	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent OppLoans Installment Loans	9.4 Excellent	$500 to $5,000	As soon as the same business day	+18 years old, Receive paychecks through direct deposit, $1,500 minimum monthly income, Live in eligible state	Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV. Comes with the option to change your due date so you won’t fall behind on repayments.	Important information The advertised APR is an estimate based on currently available information, is not final, and is subject to change. If approved, your actual rate will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Applications submitted on the OppLoans platform will be originated by one of our bank partners and serviced by OppLoans. Please see the Rates and Terms for details regarding the availability of products in your state of residence. Subject to credit approval and verification. Actual approved loan amount and terms are dependent on our bank partners’ standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction. Installment loan amounts typically range from $500 to $5,000. Annual percentage rate (APR) ranges from 129% to 195%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments with an APR of 160% would have monthly payments of $394.58. Loan amount, APR, and repayment terms may vary by state, please see https://www.opploans.com/rates-and-terms for additional information. Approval is not guaranteed. If approved, your actual rate will fall within the marketed range of rates, and will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Not all applicants will qualify for the lowest available rates. This is an expensive form of credit and you should determine whether the offered product(s) meets your financial needs. OppLoans’ Bank Partners may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. The credit inquiry will appear as a soft credit inquiry on your Experian credit report and a hard credit inquiry on your Clarity report. Therefore it will not affect your FICO credit score. OppLoans and its Bank Partners report customer payment history to the three major credit bureaus. On-time payments may improve credit score.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent Varo Cash Advance	9.4 Excellent	Up to $250 today. Build up to $700 over time with direct deposit at Varo. Average loan: $195. Qualifications Apply.	Instant, once qualified	You must have an active Varo Bank Account with a positive balance, no delinquent Varo Line of Credit or charged off Believe account in prior 6 months. Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity.	Important information Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity. If approved, initial limits range from $20- $250. Unlock higher limits up to $700 over time when you bring your qualifying direct deposit to Varo and build a positive history with us. Negative repayment history may impact credit. Fees range from $1.60 - $100 based on loan amount, and deposits to your Varo Bank Account. Your current limit and applicable fees can be viewed in the Varo App. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit.	Go to site View details Compare product selectionCompare	loading
8.8 Great Albert Instant	8.8 Great	$25 to $1,000	Within minutes	An active bank account with transaction history linked to Albert	Advance up to $1,000 in minutes with Albert Instant.	Important information Albert is not a bank. Savings account provided by Wells Fargo, N.A., Member FDIC. Albert plans start at $19.99/mo. Try for 30 days before you're charged. Fees auto-renew until canceled. Cancel in the app. Terms apply. Albert Instant Line of Credit is an unsecured line of credit issued by FinWise Bank, a Utah chartered bank, Member FDIC. Limits range from $25-$1,000. Draw fees apply. Terms and eligibility criteria including geographic restrictions apply. In some states, Albert may offer you an Albert Instant Advance instead. Limits range from $25-$1,000, subject to terms and eligibility criteria. No Albert subscription is required for Albert Instant Line of Credit or Albert Instant Advance. See Albert Terms of Use for additional important terms.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent Chime® MyPay®	9.4 Excellent	Up to $500	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)	Chime checking account, direct deposits of $200+ and only available in some states	Access up to $500 of your pay before payday fee-free within 24 hours. See Chime terms and conditions. MyPay is only offered in select states.	Important information MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451). MyPay eligibility: To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Available Advance Amount may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. Instant funds: Option to get funds instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance, or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. SpotMe: SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH s, Pay Anyone s, or Chime Checkbook transactions. SpotMe terms and conditions. Early Pay: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Savings: Chime® Checking Account is required to be eligible for a Savings Account. The 3.75% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 0.75% APY will apply. The APYs are effective as of 02/26/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details. Credit Builder: Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.	Go to site View details Compare product selectionCompare	loading

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Frequently asked questions

Is DailyPay trustworthy?

Yes, DailyPay is a reputable paycheck advance app that’s trusted by large, well-known companies such as Target, Kroger, Dollar Tree, Allied and Oracle, among others.

Does DailyPay pay real money?

Yes, you can access up to 100% of the pay you’ve earned before your payday arrives. (The percentage may be less, since it’s set by individual employers.) The amount you withdraw is automatically deducted from your next paycheck.

What are the disadvantages of DailyPay?

The biggest downside is taking out advances too often and then not having enough money when payday arrives. There’s also a fee for instant transfers, up to $3.49.

How much does DailyPay take from my paycheck?

DailyPay doesn’t automatically take any amount from your paycheck, and there are no required fees. If you want to access your pay early, you can transfer up to 100% of what you’ve earned (may be less depending on what percentage your employer has set). You’ll receive it for free in one to three business days. If you need the money faster, you’ll need to pay a small instant transfer fee.

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DailyPay Review: Paycheck Advance Requires Employer Buy-In