Automatic Protection

Automatic Protection

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

Paid less when you work fewer shifts or take time off? We top you up

Enable top-ups

SteadyPay links securely to the bank your pay goes into. We work out your average pay.

Monitor for top-ups

Every payday we check to see if you were paid below average.

Get top-ups

When you’re paid below average, we advance you money to make up the difference. The top-ups are interest free.

Repay top-ups

We'll prompt you to make a repayment when you get paid. You can repay the minimum or repay more.

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

We don’t think you should be burdened with debt. That’s why we operate as a subscription credit service.

Continual top-ups

You keep receiving top-ups provided you remain within the credit limit, make repayments and keep your subscription up to date.

What our customers have to say

What will it cost you?

We don’t charge interest or a bunch of rip-off fees. We’re a subscription service. Think Netflix of Spotify but for personal finance. We have one, low, weekly fee which gives you access to credit for topping up your pay.

£1000 credit limit

You keep receiving top-ups so long as you stay within the credit limit. The minimum top-up is £25.

No fixed term

You can end the subscription at any time. You must repay any top-up you still owe.

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

Did you know?

Charges for exceeding overdraft by £100 for a week


Overdraft charges in 2018

£2.3 billion

Credit card debt in October 2018

£72.6 billion

Time to repay credit card debt making minimum repayments

26 years & 7 months

Cost of a payday loan

1421% APR

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.

Check if you're eligible

You must be a UK resident, at least 18, employed, 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. Please read these and the FAQ before signing up.

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 partner with and be certified members of: