We smooth out your pay when you work fewer hours or take time off

We smooth out your pay when you work fewer hours or take time off

When you’re paid less than usual, we top you up

Enable top-ups

SteadyPay links to the bank your pay goes into. It works out your average pay. Then every payday it does a check to see if you need a top-up.

Get top-ups

When you’re paid below average (because you worked fewer hours, took time off, etc), we deposit money into your current account to make up the difference.

Repay top-ups

We provide super easy repayment options, including prompting you when you're paid above average.

SteadyPay benefits

Reduce financial stress

The top-ups smooth out your pay. You no longer have to deal with drastic reductions in pay.

Get in control

The top-ups give you predictable, reliable pay. This allows you to budget with confidence for everyday expenses.

Enjoy paid leave

The top-ups prop up your income when you take time off to get over a cold or to relax on holiday.

Step off the debt treadmill

The top-ups are interest free. We’re the alternative to payday loans, overdrafts and credit cards.

Continual top-ups

You keep receiving top-ups so long as you make repayments and stay in the credit limit.

Before SteadyPay I worried about getting sick and not being able to work and losing income. Not anymore. I can take sick days and my pay is covered.

Alex, Facilities Manager

When I took time off, I'd have to use my savings to get by. I'd prefer to use my savings on a home. The top-ups mean I'm no longer out of pocket for taking time off.

Jay, Cleaner

I was about to Google payday lenders to cover the shortfall when I realised, I was with SteadyPay. What a relief this was for me and my family. All our direct debits are scheduled to come out on a Tuesday, we wouldn’t have been able to pay our rent.

Charlie S, Delivery driver

What will it cost you?

We don’t charge interest or a bunch of rip-off fees. We’re a subscription service. Think Netflix or Spotify. We have one, low, weekly fee which gives you access to credit for topping up your pay. The minimum top-up is £25. The credit limit is £1000.

There are no other costs

No interest is charged on the top-ups. No fees are charged for missing or making a late repayment.

Exit anytime

There’s no fixed term of contract. You must repay any top-up you owe us when you end the contract.

The APR doesn't depict an interest charge because, well, we don't charge interest. You only repay the top-ups you opt to receive. Instead, the APR depicts the subscription as the cost of using our service.

Amount borrowed (top-ups)


Rate of interest charged


Subscription fee for 12 months


Total amount paid for 12 months


Representative example

20.8% APR

Check out the FAQ for more information on the APR

Outsmart debt with SteadyPay

Interest charges Account fee Late/missed payment fee Exceed credit limit fee Subscription
Credit card
Payday Loan

Register to get an invite

We’re not trying to be exclusive; we’re just trying to manage our growth so that every customer experiences great service. Please register here. We’ll contact you as opportunities become available.

We hate spam too. We'll never share your email.

If you have an invite...


Install the app

Apply for and access the SteadyPay service on your mobile.


Create a profile

Provide your name, date of birth and contact details.


Link to your bank

This automates the top-ups and repayments.


We do a lending assessment

We make sure it’s really you and you can afford the repayments.

Review and decide

If it’s all OK, we’ll present you with a SteadyPay contract.

Check if you're eligible

You must be a UK resident, at least 18, employed, and have a current account with a UK bank, and not have significant or multiple county court judgements for debt.

Check if we're a good fit for you

As part of the signup process we'll provide you with an explanation of SteadyPay’s features and your rights and obligations as a customer.

Have a question?

The FAQ may have the answer. If you need further information or assistance, let’s chat.

View our FAQ

Get in touch

Live chat. Click the icon at the bottom right of this screen. You can also chat with us from inside the app.

Thinking of joining? [email protected]
Already a customer? [email protected]

Socially responsible

We provide a credit service that builds financially stronger individuals and communities. SteadyPay is proud to be certified members of: