new payactiv login cash advance app review

Payactiv is a popular paycheck advance app offering an inexpensive alternative to payday loans — and even some cash advance apps.

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You can receive an advance as high as 50% of the wages you’ve already earned — sometimes at no cost. It’s also one of the few cash advance apps I’ve reviewed that offers cash advances.

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If your employer is enrolled with Payactiv, you can pick up your advance in cash at a Walmart Money Center. This makes it one of the few cash advance providers that doesn’t require a bank account.

But options are limited if your employer isn’t enrolled with Payactiv. You can get your paycheck two days in advance — but only if you sign up for a Payactiv Visa Prepaid Card

Some employers also may limit how much of an advance they’re willing to offer. And it’s only free if you sign up for direct deposit to a Payactiv Visa Payroll Card.

Otherwise, you could pay as much as $5 per month. Consider another cash advance option if your employer isn’t enrolled.

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Additionally, many customers complain about bugs with the Payactiv app, causing unnecessary headaches and problems accessing funds.

Payactiv works by partnering with employers to offer advances on their earned wages. Advances can reach 50% of your earned wages — though some employers may limit how much you can borrow

 If you don’t work for an employer that partners with Payactiv, you can still receive your paycheck up to two days in advance by signing up for a Payactiv Visa Prepaid Card, which is a debit card.

No bank account required Instant financing available Available to salaried and hourly employees

Pros

Cons

Limited options if your employer isn’t enrolled in Payactiv Instant funding requires Payactiv card Potential program fees of up to $5 per pay period

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