Introducing Step EarlyPay

Life doesn’t wait for payday, and neither should you. Get paid before payday and access up to $250 ^𐍷 instantly ^𐍸 and repay it automatically when you receive your next paycheck.^𐍶 No interest,^𐍹 no hassle—just a smarter way to borrow and build credit.

Get Started

App Rating
100,000 Reviews

SIMPLE AS 1-2-3

Set up direct deposit

The more paychecks you receive to your Step account will help increase your limits.

Instant access

Get up to $250 cash delivered to your account instantly.

Automatic repayment

Automatically paid back with 0% APR when you receive your next paycheck via direct deposit.

No interest:
0% APR

Waiting for payday is over

Get Step

You decide how much you borrow

EarlyPay™️ was designed to be flexible. Whether it’s $20 or the full $250, you're in control.

The smart way to borrow money

Borrow up to $250, automatically repaid from your next paycheck—helping you build credit without the risk of traditional loans.

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Brought me from no score to 735

I didn’t have a score before but when I chose to opt in, it helped dramatically. It brought me from no score to 735 in one night because I was using Step previously.

John C.

“Boosted my score Over 100 Points.”

“Step has boosted my score over 100 points. I had a student credit card with a score of 600. Once I opted in with Step, I got a score of 700.”

Dorothy M.

85 points so far

My credit score is constantly increasing, 85 points so far. I love the borrow option.

Brandon Thompson

Participants may be compensated for their participation. Numbers are for illustrative purposes only.

LEARN

ghanee.step_A_vibrant_and_modern_illustration_showcasing_five_s_378bd2b0-f87a-40d0-81fa-49fdce787d12.png — Understanding Loan Types: A Beginner's Guide

Woman paying with apple pay — Why is building credit important?

common credit mistakes — Common Credit Mistakes Young Adults Make and How to Avoid Them

ghanee.step_buying_a_car_color_background_minimalistic_hyperrea_e71ba8bc-2a3b-4339-9b8a-5cb21fd42014.png — How to Get Your First Auto Loan Without a High Credit Score

ghanee.step_Two_hands_shaking_hands_with_coins_in_the_backgroun_f56334a0-f2e3-414d-ae11-43f415569bba.png — Borrowing Money: The Smart, the Risky, and the Expensive Options

How do credit scores work? A guide for teens — How do credit scores work?

Why we built EarlyPay™️

EarlyPay™️ was built to support you, not set you back. Now you can get paid before payday, giving you the flexibility to cover what you need—without interest, hidden fees, or debt that lingers. It’s transparent, automatic, and even helps build credit, so you stay in control every step of the way.

Download Step