Early Wage Access

Early Wage Access (aka Earned Wage Access) describes apps and payroll services that let workers access portions of paychecks ahead of payday.

Early Wage Access apps promise convenience — small advances, instant transfers, and no credit check. But many rely on per-advance charges (flat fees, transfer costs, suggested tips) and payment-routing arrangements that can raise effective borrowing costs.

People who repeatedly tap advances can face material cumulative expense and reduced take-home pay over time.