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.
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.
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 can decline a top-up. You know best what you need and can afford.
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
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.
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%.
You must repay any balance owing upon unsubscribing.
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.
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.
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.