We protect your pay when you work fewer hours, take time off sick or go on holiday

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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

A repayment is due only when you're paid above average. Moreover, the repayment is taken only from the amount of pay that’s above average. If there’s anything left to repay, this gets rolled over to your next pay.

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

Subscription service

Think Netflix or Spotify. We only charge one, low, weekly fee. This gives you access to interest free 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.

We don’t charge interest. The APR depicts the subscription fee as the cost of borrowing.

Amount borrowed (top-ups)


Rate of interest charged


Subscription fee for 12 months


Total amount paid for 12 months


Representative example

20.4% 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.

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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.

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.

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Already a customer? [email protected]