DailyPay Review: Paycheck Advance Requires Employer Buy-In
DailyPay pay advance app isn't available on Finder right now.
- Turnaround time
- 1 to 3 days or instant for a 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
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Receive up to 100% of your earned income
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Doesn’t require a Social Security number
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No credit check or interest
Cons
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Must work for a DailyPay partner
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Hard to reach customer service
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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 |
| support@dailypay.com | |
| X, formerly Twitter | @DailyPay |
| @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?
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.
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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.
Christi Finder
Contributor
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