Transparent by design
Know exactly what you can get, and why.
No mystery limits. Here's how PayBridger decides what you can access, and how it grows.
Who qualifies
If you have steady pay landing in a checking account, you're likely a fit. Here's what we look for.
Regular, earned income
Recurring payroll, government benefits, or pension deposits arriving on a consistent schedule. We look for a few recurring deposits from the same source.
A checking account we can securely connect
Linked with bank-level security through Plaid. It should be the account your pay actually lands in.
Identity verification
A quick identity check. No hard credit check.
What counts as income (and what doesn't)
Counts
- Employer payroll
- Government benefits (e.g. Social Security, unemployment)
- Pension or retirement income
- Any of the above, when it recurs on a schedule
Doesn't count
- One-off transfers
- Peer-to-peer payments (Zelle, Venmo, Cash App, PayPal)
- ATM or cash deposits
- Mobile check deposits
- A single first paycheck from a brand-new job (we need to see it recur first)
How your limit is set
It's based on pay you've already earned. We cap your access at a portion of your regular paycheck, never open-ended credit, so it always fits your income.⁵
Per advance
The most you can take in a single transfer.
Per day
The most you can take across all transfers in one day.
Per pay period
The most you can access between one payday and the next.
It starts modest and grows.
New members start smaller, free plan access starts at $25. As you build a track record it climbs, up to $500 at the top tier. A paid membership unlocks the full range beyond the free $25 cap.¹
How to grow your limit
Repay on time
Every on-time repayment builds trust and unlocks higher tiers.
Keep your pay landing in the connected account
Steady verified income raises your ceiling.
Keep your account healthy
Avoid failed repayments and overdrafts.
Stick around
Access grows with time on PayBridger.
Keep your advances with us
Members who don't juggle multiple cash-advance apps build faster.
Upgrade your membership
Moves you past the free $25 cap to the full range.
The honest fine print
- Your limit updates automatically as you build history, there's no way to request a higher amount manually.
- It can move up or down as your income and repayment history change.
- Fees, repayment terms, and how we treat credit reporting are described in full in our below.