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Earned wage access without a credit check
Because earned wage access gives you money you have already earned, there is nothing to lend and no reason to check your credit. Instead, providers confirm that you are working and getting paid.
What gets verified instead of credit
PayBridger looks at signals that confirm your wages are real:
- Your bank account, connected securely through Plaid
- Recent payroll deposits and your pay schedule
- Your identity, to protect your account
No impact on your credit score
There is no hard or soft credit pull when you sign up with PayBridger, so your credit score is not affected.
Who it helps
Earned wage access with no credit check can help people who are building credit, rebuilding after a rough stretch, or who simply do not want another account on their credit report.
See the earned wages available to you
Financial insights are always free.
Common questions
- Do I need good credit to use PayBridger?
- No. PayBridger does not run a credit check.
- What do I need to sign up?
- A bank account that receives your paycheck, which you connect securely through Plaid.
Keep reading
PayBridger is not a payday lender, not a cash advance provider, and not a loan. PayBridger provides access to wages you have already earned and are owed by your employer. No interest is charged. No credit check is required. Repayment is collected automatically from your next paycheck and equals exactly what you accessed, nothing more.