INTRODUCING STEP EARLYPAY
Life doesn’t wait for payday, and neither should you. Get cash when you need it most and borrow up to $250 𐍷 instantly 𐍸 . 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
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
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. ̍
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.
LEARN
Why we built Step 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.