Dailypay cash advance app review
DailyPay pay advance app isn't available on Finder right now.
- Turnaround time
- Next business day or instant with a DailyPay card or for a fee
Summary
This app is one of the few to offer up to 100% of your earned income instantly. But it gets a lot of negative reviews.
Bottom line: Dailypay is one of the few pay advance apps that can advance up to 100% of your net earned wages. But it doesn't offer much else besides pay advances. Read our full review or get our 30-second take.
Details
Product details
| Product Name | DailyPay pay advance app |
| Loan Term | Not stated |
| Turnaround Time | Next business day or instant with a DailyPay card or for a fee |
| Costs | No fee, available for qualified consumers |
| Requirements | Work for employer that offers Dailypay |
Pros
- Receive 100% of your earned income
- Doesn’t require Social Security number
- Automates savings
Cons
- Must work for a Dailypay partner
- Negative customer reviews
- Hard to reach customer service
Our take on Dailypay
Dailypay is one of the few apps that offers advances on 100% of the wages you’ve earned in a pay period. This makes it a good option for someone who needs a larger advance than your standard cash advance offers. Other apps like Brigit or Dave only offer a few hundred dollars or up to 50% of your earned income.
But Dailypay can be more limiting than other options. You only qualify if your employer is a Dailypay partner, and the other financial wellness perks are limited to a few features to help you build savings. By contrast, employer-based app Payactiv offers free financial coaching and has a limited cash advance service that’s independent from your employer.
Dailypay also gets numerous negative customer reviews, with customers often reporting app functionality issues, and dismal customer service. If you’re looking for an app that can help you manage your money better, you may want to compare other cash advance options.
Dailypay overview
Dailypay works by moving your earned wages into a Dailypay bank account, which updates at the end of each day you work. If your employer uses Dailypay, you can transfer the funds from your Dailypay account to your own bank account or a debit card at any time. Dailypay charges a transaction fee each time you request a cash advance, though it doesn’t state how much the fee is on its website.
Features
- Receive up to 100% of your earned wages at any time during the pay period.
- Dailypay deducts taxes and other withholdings to prevent you from overborrowing.
- Transfer funds instantly or the next business day.
Requirements
The only requirement to use Dailypay is that you must work for an employer that offers the service. You don’t even need to have a Social Security number. If your employer doesn’t yet offer Dailypay, contact your human resources department to make a signup request.
Other features
Dailypay has a free savings tool meant to automate your savings habits. Other than that, most of Dailypay’s features are timesaving tools for employers that employees won’t benefit from as much.
Dailypay reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | B |
| BBB customer reviews | 2.78 out of 5 stars, based on 130 customer reviews |
| BBB customer complaints | 179 customer complaints |
| Trustpilot Score | 1.8 out of 5 stars, based on 34 customer reviews |
| App Store Score | 4.8 out of 5 stars, based on 35,169 customer reviews |
| Google Play Score | 4.4 out of 5 stars, based on 14,352 customer reviews |
| Customer reviews verified as of | 03 November 2021 |
I also had trouble connecting with customer service while writing this article, since the only way to get in touch is by email. Some customers also complain about a slow turnaround time.
Dailypay vs. payday loans
Cash advance apps can be a less expensive alternative to payday loans with fewer risks to the borrower. Here’s how Dailypay compares to a traditional payday loan.
| Dailypay | Typical payday loan | |
|---|---|---|
Borrowing amount | 100% of your net earned wages | $1,000, though it varies by state |
Turnaround time | Same day or next business day | Next business day |
Application process | Set up your account connecting a bank account or debit card and request an advance as needed | Complete an online application that usually requires bank account information and your Social Security number |
Cost | Transaction fee per withdrawal, likely around $1.99 to $2.99 per transaction | Fee of $15 to $25 per $100 you borrow |
State availability | All 50 states | Illegal in some states |
Is Dailypay safe to use?
In general, yes — though no app can ensure your information stays 100% secure. Dailypay states that it has the highest security certifications in the industry and that it uses bank-level security to encrypt and secure its customers’ information.
Dailypay won’t share your details outside of Dailypay, other than with regulators, your employer and other service providers needed to make the program work. If you have any questions, you can contact Dailypay by submitting a ticket on the website.
Is Dailypay worth it?
Dailypay could be worth it if you need an advance on more than 50% of the wages you’ve already earned for the month — most other providers don’t offer this amount. But if you’re looking for an app that can help you manage your finances, another provider might be a better choice. Its lack of customer support also raises some red flags.
If your employer doesn’t already offer this option, read about other cash advance apps before you recommend Dailypay to HR.
Compare cash advance apps
These apps can offer paycheck advances and don’t require you to work for an eligible employer. Select your state to compare apps available in your area. Visit our guide to cash advance apps to learn more about how they work.
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DailyPay pay advance app is not currently available on Finder
Have you considered EarnIn?
Access up to $150 per day, with a max of $750 between paydays. Subject to EarnIn terms & conditions.
- Borrow up to $150/day, with a max of $750 between paydays
- No credit check
- No monthly fees or interest
- Connect bank account to access cash advance
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
Works one day, then doesn't work for several days.
It's great when it works. But for more than 3 days now my balance has not updated! I have no gas to get to work and no food. People rely on this app to survive in between paydays, so when this app does not work it's devastating. Do better!
Horrible
Money was sent to the wrong account. There are limits. You do not get to transfer 100% of your net earnings. This is a complete lie. And it takes two to three calls to have elevation ticket to take care of any transfer issues. And two months to cancel your account. Horrible liars. False advertising period!
It's sent from Hell
Daily pay is very convenient for your money. Don't understand why they charge us twice, To get our own money. Comes in handle when you needed but it Not when time for pay day.... It's Hell like a Gambling Machine
Terrible customer service and inconsistent performance
For months my available balance updated by $90 and then without warning or explanation it started only updating by $20. When I got on chat with customer service the abruptly ended the chat with no good answer as to why this happened. AVOID!!!
No Concern for their Customers
Trying to set my account up with my new employer and these people acted like they never got the info from my HR manager. Tried to have this elevated, and my HR manager even is contacting them to find out what's up. They don't care if you're put in a financial bind and act like they can't do their job. Companies get rid of DailyPay and get Payactiv instead.
Scammers
I recieved my first remainder pay on time and promptly. The second time they sent my money elsewhere. I confirmed with my bank, but the chat rep Dylan told me it was sent to my bank. Wouldn’t take any proof my bank gave me. Said it wasn’t his problem and closed the chat without helping or listening. 3 days and still haven’t received my paycheck. DO NO USE THIS COMPANY. THEY WILL LOSE YOUR MONEY AND LEAVE YOU UP SHITS CREEK WITHOUT A PADDLE AND BLAME YOUR BANK!!!
Scammed
I was transferring money onto my card and the money I was trying to transfer got sent to another bank account that I never put I literally got robbed
Don't use this app
My balance hasn't updated in 3 weeks!!! My earnings are updated continues to say zero balance. I have called several times I cannot get a straight answer from anyone.
Horrible company
I have a lot to say. But. Read my review on Truist. Anyway, my daily pay account is paused. A rep told me it would reactivate payday. Payday has passed and they are now coming up with new excuses as to why my account is frozen. One of them was because I have a new deposit account. Which is a lie. I've had the same bank and checking number for 8 years. I chatted in the app with a rep twice. And they intentionally logged me out twice to avoid helping me. At this point, I cancelled my account. I will not be hurt anymore by daily pay. My family and I was relying on some early funds to make ends meet. Daily pay provides a false sense of security that's the law should look into.
Horrible Customer Service
Despite calling in 2x yesterday and waiting on hold for over an hour and being told both times that I could expect my pay in a few hours. I'm waking up and still nothing in my account. I'm om hold again thos morning. The customer service is Horrible! Daily pay would be a great access to employees if it actually worked without the hassle
Anna Finder
Editor
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