Protect your pay

Protect your pay

When you're paid below average, we top you up.

Easy setup

SteadyPay links securely to the bank your pay goes into. We work out your average pay. We look out for when you’re paid below average.

Get top-ups

When you’re paid below average, we automatically offer you an advance to make up the difference. The minimum top-up is £25. Your credit limit is £1000. You keep receiving top-ups so long as you stay within the credit limit.

Easy repayments

Repayments are spread into instalments. They're paused if you're paid below average by £25 or more, and reset if you opt for another top-up. Repayments refresh the credit available for top-ups.

You’re in control

You can decline a top-up. You know best what you need and can afford.

Enjoy regular pay

Get a top up when your pay takes a hit - like when you work fewer shifts, take sick days or go on holiday. We got you covered.

Please note: SteadyPay is not an on-demand credit service. You qualify for a top-up only when you’re paid below your average.

Calculate your top-ups

No interest charges, no late penalties, no hidden fees

We’re a subscription service. You only pay one, low, weekly fee of £4. This gives you access to credit that keeps on topping up your pay.

The top-up service is activated after you've paid the subscription for two weeks. After the service is activated, we look out for when you're next paid below average. We won't provide top-ups on pays you received before the service is activated.

Representative APR 20.8%

We don’t charge interest. This depicts the subscription fee as the cost of using our service.

Top-ups advanced over a year: £1000. Interest charged on top-ups: 0%. Subscription fee paid over a year: £208 (£4 a week x 52). Total amount paid over a year: £1208. Representative cost: 20.8%.

Convenient repayments

  • Spread into instalments.
  • Timed to match your payday.
  • Paused if you’re paid below average by £25 or more, and reset if you opt for another top-up.
  • Refreshes the credit available for top-ups.
  • No interest charge or hidden fees.

No fixed contract, cancel anytime

You must repay any balance owing upon unsubscribing.

Super secure

We never see or store your bank login details. All data is encrypted and transmitted to your bank over a secure channel.

SteadyPay can’t be used to move money; it has ‘read-only’ access. The app is restricted to checking your account so it knows if you're due a top-up or can repay a top-up.


We’re authorised and regulated by the Financial Conduct Authority.

Check your eligibility

You must be a UK resident, at least 18, employed, and have a current account with a UK bank. When you apply, we conduct a credit check.

Check if we’re a good fit

Please review the FAQ. When you apply, we’ll also provide you with an explanation of our service features. If anything’s unclear, contact us.