STEP EARLYPAY
Life doesn’t wait for payday, and neither should you. Get cash when you need it most and borrow up to $250 𐍷 . Repay flexibly, either automatically when you get your next paycheck or with your Step account.𐍶 No interest,𐍹 no hassle—just a smarter way to borrow and build credit.*
SIMPLE AS 1-2-3
Apply in minutes
See how much you qualify for in just a few simple clicks.
Instant access
Get up to $250 cash delivered to your Step account instantly. 𐍸
Automatic repayment
Automatically paid back with 0% APR when you receive your next paycheck via direct deposit.
BORROWING WITH BENEFITS
With Step EarlyPay, you score a ton of other benefits meant to give you the most rewarding (and responsible) borrowing experience possible.
Step
Black
Step EarlyPay comes with Step Black, which gives you up to 10% cashback on every purchase and $500/yr in annual perks.
Build Credit
Improve your credit with every tap, swipe and purchase with your Step Visa Card, and monitor your score directly in the app.
Get 4.00% on your savings
Welcome to one of the best savings rates in the nation.
No interest:
0% APR
Waiting for payday is over
You decide how much you borrow
Step 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. ̍
Why we built Step EarlyPay™️
Step EarlyPay™️ was built to support you, not set you back. Now you can borrow up to $250 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.
Brought me from no score to 735
“Boosted my score Over 100 Points.”
85 points so far
Participants may be compensated for their participation. Individual results may vary.
