FlexWage pay advance app review

This employer-based app is one of the few that offers advances on tips and commission.

Bottom line: This employer-based pay advance app is one of the few to offer instant access to tips and other one-time payments — in addition to your base salary. But you’ll need to use it regularly to avoid paying unnecessary fees. Read our full review or get our 30-second take.

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Details

Product NameFlexWage OnDemand Pay
Loan TermNot stated
Turnaround TimeInstant or within 2 business days
RequirementsWork for an eligible employer

Pros

  • Offers immediate access to tips, commissions and bonuses
  • Instant funding for everyone
  • Customer service line

Cons

  • Must transfer funds to FlexWage card
  • Not transparent about fees
  • Inactivity fee if you stop using the card for six months

Our take on FlexWage

FlexWage is an employer-based pay advance app that could be a good option if you rely on tips or commission. In addition to offering an advance on your base salary, FlexWage also provides instant access to compensation that isn’t part of your regular salary. In addition to advances, it has financial wellness services, including access to a coach to help build savings and manage your money.

But it lacks transparency about most fees it currently charges — it’s charged as much as $5 per transaction in the past. Other employer-based apps I’ve reviewed tend to charge between $2 and $3 per transaction — if anything at all. It also charges an inactivity fee if you sign up for a FlexWage Pay Card and don’t use it for more than six months, which I haven’t seen on any other app.

Consider another pay advance app if you don’t regularly need an advance on pay outside of your salary. Other apps offer a similar level of financial assistance to members and are more transparent about pricing.

FlexWage overview

FlexWage works by offering two services to people who work for a partnered employer:

  • OnDemand Pay. This is an advance on your earned wages — typically between 70% and 80% of your pay after deductions.
  • Flex Pay. This is a 100% advance on tips, commissions, bonuses and other irregular pay like per diems.

If you sign up for a FlexWage Pay Card, you could receive the funds immediately. Otherwise transfers take up to two business days.

Features

  • Maximum withdrawal. Typically 70% to 80% of earned income.
  • Transaction fee. Typically it’s around $3 though it can reach $5 for each time you request an advance vary by employer.
  • Inactivity fee. You may be charged $4.95 if you don’t make a transaction or receive a deposit on a FlexWage Pay Card.
  • Turnaround. Instant or up to two business days.

Requirements

You must work for an employer that offers FlexWage to use any of this company’s services. There are no other requirements — you don’t even need a bank account.

Other features

FlexWage offers a free financial wellness service called Sum180, which provides the following types of services:

  • Overview of all of your personal finance accounts
  • Budgeting assistance
  • Access to financial wellness coach
  • Daily insights and suggestions to manage debt and build savings

It also offers employees that work for a FlexWage partner the chance to sign up for a prepaid debit card. This allows you to get paid electronically without having to open a bank account — and receive your advance faster.

FlexWage reviews and complaints

BBB accredited No
BBB rating NR
App Store Score 4.8 out of 5 stars, based on 361 customer reviews
Google Play Score 4.3 out of 5 stars, based on 72 customer reviews
Customer reviews verified as of 27 April 2022

The FlexWage app gets mixed reviews on Google Play and the App Store. While most reviews are positive, mentioning great customer service — others complain about glitches with app and limited customer service.

FlexWage has fewer reviews than most pay advance apps I’ve written about. Customers have nothing to say on the Better Business Bureau (BBB) or Trustpilot.

How FlexWage compares to other pay advance apps

Here’s how FlexWage compares to Brigit, an app that doesn’t require you to work for a specific employer.

FlexWage OnDemand PayBrigit
Maximum withdrawalTypically 70% to 80% of earned income$250
FeesTypically $3 per transaction$9.99 monthly membership fee
Turnaround timeInstant or up to 2 business days1 to 3 days or same-day in some circumstances

FlexWage vs. payday loans

Apps like FlexWage pose themselves as alternatives to payday loans. Here’s how the two products actually compare.

FlexWage OnDemand PayTypical payday loan
Borrowing amountVaries by employer, typically around 70% to 80% of earned wagesUp to $1,000, depending on your state
Turnaround timeInstant or up to two business daysNext business day
Application processRegister on FlexPay’s mobile app and request funds as neededSimple online application, typically requiring your Social Security number and bank account information
CostsVaries by employer, typically around $3Between $15 and $25 per $100 borrowed, depending on the state
State availabilityAvailable in all 50 statesIllegal in some states

How safe is FlexWage?

While no app can ensure your information stays 100% secure, FlexWage takes reasonable steps to protect its customer data with the latest SSL technology and SHA-256 encryption. It also runs daily scans to ensure its SSL is intact and to check its website for malware, malicious links and phishing scams.

Its privacy policy states that it may share information about you with “trustworthy business partners,” but it won’t sell or rent personal information collected through its site to anyone. If you have questions, read over Flexwage’s privacy policy or contact customer support at support@flexwage.com.

Is FlexWage worth it?

If you rely on extra pay on top of a base salary, FlexWage is a better choice than most pay advance apps — for larger borrowing amounts. But it can be more expensive than the alternative.

With fees reaching $5 in some cases, it’s still cheaper than a payday loan, bank account overdraft or credit card cash advance. But you may want to consider apps that don’t depend on your employer first.

Compare FlexWage alternatives

These providers offer pay advances and financial services — and don’t require you to work for a specific employer. Select your state to see personalized options.

1 - 0 of 0
Name Product Filter Values Loan amount Turnaround time Requirements
Tidal Lending
Tidal Lending
$100 to $30,000
As Soon As Next Business Day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Chime SpotMe overdraft
Up to $200
Instant
$200 in qualifying direct deposits into a Chime checking account in the last 34 days
Brigit
Up to $250
1 to 3 days or same-day in some circumstances
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
Earnin
Up to $500
2 to 3 days, or instant with Lightning Speed
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
A payday loan alternative. Get an advance on the wages you’ve already earned — with no fees or interest.
Possible Finance Mobile Installment Loans
Up to $500
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 5 states.
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