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

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.

Features

• 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.

Requirements

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 advance	Payday loans
Borrowing amount	Up to 50% of your earned wages	Typically up to $1,000, and most states allow only one at a time
Turnaround time	One business day for bank account transfers, instant cash pick up at any US Walmart, and instant to ONE accounts	Usually same day
Application process	Sign up through the app, connection to bank account required	Simple online application, typically requires Social Security number and bank account numbers
Costs	$8 monthly ONE@Work Plus membership fee	High interest rate that can equal fees of $15 to $25 per $100 borrowed
Availability	Only available through select employers	Prohibited 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 support@even.com.

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.

ONE@Work is not currently available on Finder

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