Earn Step Black
First, join Step Black with either $300 in monthly direct deposits or $500 in monthly card spend.
Unlock up to $500
Next, apply for Step EarlyPay™ and borrow cash whenever you need it without a credit check or interest.
Borrow with benefits
Spend money with the Step Card to build credit, get cashback, and earn rewards on savings.
Borrow up to $500 with benefits
EarlyPay makes borrowing responsible and rewarding. Get started with $300/mo in direct deposit or $500/mo in card spend. No credit check, no interest, no monthly fees.
Borrow up to $500 with benefits
EarlyPay makes borrowing responsible and rewarding. Get started with $300/mo in direct deposit or $500/mo in card spend. No credit check, no interest, no monthly fees.
Create your account
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Not everyone will qualify. Must be 18 years or older.
EarlyPay loan amounts range from $20 to $500. Not all users will qualify for a loan or for the maximum amount and first-time users are not eligible for the maximum loan. $500 maximum is available only to eligible returning users who meet qualifying direct-deposit requirements and other applicable criteria. Users who qualify through card-spend activity alone are not eligible for the $500 maximum and direct deposit use does not guarantee eligibility for $500. Eligible loan amounts may change and are not guaranteed to increase.
Pay us back when you get paid or in 2 weeks, whichever is earlier.
Step does not charge you any fee to receive your Step EarlyPay to your Step Account in up to three business days. You may choose to receive your loan instantly by Instant Transfer, for a fee.
Instant Transfers are optional and available for a fee. They typically occur in seconds, but may take up to 30 minutes. There’s no fee to receive your Step EarlyPay loan by ACH transfer to your Step Account.
Not everyone will qualify. Must be 18 years or older.
EarlyPay loan amounts range from $20 to $500. Not all users will qualify for a loan or for the maximum amount and first-time users are not eligible for the maximum loan. $500 maximum is available only to eligible returning users who meet qualifying direct-deposit requirements and other applicable criteria. Users who qualify through card-spend activity alone are not eligible for the $500 maximum and direct deposit use does not guarantee eligibility for $500. Eligible loan amounts may change and are not guaranteed to increase.
Pay us back when you get paid or in 2 weeks, whichever is earlier.
Step does not charge you any fee to receive your Step EarlyPay to your Step Account in up to three business days. You may choose to receive your loan instantly by Instant Transfer, for a fee.
Instant Transfers are optional and available for a fee. They typically occur in seconds, but may take up to 30 minutes. There’s no fee to receive your Step EarlyPay loan by ACH transfer to your Step Account.
Step is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Step Visa Card is issued by Evolve Bank & Trust pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association.
The Step Visa Card is designed to help build positive credit history. Positive history is reported on and related only to your Step Visa card activity, subject to your account remaining in good standing, to Transunion®, Experian®, and/or Equifax®. We do not have control over your credit scores generated by the credit bureaus. Even when we report positive credit history on your Step Visa card, your overall credit history and scores, as built by the credit bureaus, may be impacted by your financial activity outside of your Step Visa card (including any other Step loan products or other external activity).
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