Access Your Paycheck Early

Get up to $200 of wages you've already earned — before payday. No credit checks, no debt collectors, no predatory fees.

See How It Works
✓ 0% APR
✓ No Credit Check
✓ Licensed in MO & TX

0%

APR on Advances

$200

Max Advance

$16.99

Monthly Fee

30 sec

Instant Transfers

Why Payhist

Fair Access to Your Earned Wages

We're not a payday lender. We're a financial wellness tool that helps you avoid expensive fees and take control of your cash flow.

💎

Transparent Pricing

$16.99/month. That's it. No hidden fees, no "voluntary" tips, no surprises.

🚫

Non-Recourse

No debt collectors, no credit reporting. If you can't repay, you simply can't access new advances.

⚡

Instant Access

Get money in ~30 seconds for $3.95, or use free 3-day ACH transfer.

🔒

Bank-Level Security

256-bit encryption and SOC 2 certified infrastructure protect your data.

✓

No Credit Check

Access based on earned wages, not credit score. No hard inquiries.

💰

Unlimited Draws

Make as many draws as you need up to your eligible amount.

Simple Process

How It Works

Get started in minutes and access your wages whenever you need them.

1

Connect Bank

Link your bank account securely with bank-level encryption.

2

Verify Income

Connect payroll or gig platform to determine your eligible amount.

3

Draw Wages

Access up to $200 with unlimited draws. Instant or free 3-day transfer.

4

Auto-Repay

We debit your account automatically on your next payday.

Pricing

Simple, Transparent Pricing

One plan. No hidden fees. Cancel anytime.

Premium Plan
$16.99
per month
  • Access up to $200 of earned wages
  • Unlimited draws up to your eligible amount
  • Free 3-day standard ACH transfers
  • Instant transfers for $3.95 per transaction
  • 0% APR — not a loan
  • No credit checks or credit reporting
  • Non-recourse — no debt collectors
  • Cancel anytime, no penalties
Instant Transfers: Need money in 30 seconds? Choose instant transfer for $3.95. Or use free 3-day ACH at no additional cost.
Comparison

Payhist vs The Alternatives

See how we stack up against payday loans and bank overdrafts.

Feature
Payhist
Payday Loans
Bank Overdraft
Monthly Cost
Payhist$16.99
Payday Loans$60-80+
Bank Overdraft$35/fee
APR
Payhist0%
Payday Loans300-400%
Bank Overdraft4,500%+
Credit Check
PayhistNever
Payday LoansSometimes
Bank OverdraftNo
Debt Collectors
PayhistNever
Payday LoansYes
Bank OverdraftNo
Max Amount
Payhist$200
Payday Loans$300-500
Bank OverdraftVaries
FAQ

Common Questions

Everything you need to know about Payhist.

How is this different from a payday loan? +
Payday loans charge 300-400% APR and use debt collectors. Payhist charges 0% APR, is non-recourse, and gives you access to wages you've already earned — not a loan.
Will this affect my credit score? +
No. We don't check your credit, don't report to credit bureaus, and have zero impact on your credit score.
How much can I access? +
You can access up to $200, based on your verified income and wages earned. Most users start around $50-100 and increase over time.
Can I cancel anytime? +
Yes! Cancel your subscription anytime with no penalties. You'll keep access through the end of your billing period.
What if I can't repay? +
Payhist is non-recourse. We won't send debt collectors or report to credit bureaus. You simply won't be able to access new advances until you repay.
How fast is instant transfer? +
Instant transfers typically arrive in your account within 30 seconds. Standard ACH transfers take 3 business days and are completely free.

Ready to Take Control?

Join thousands who've ditched payday loans for fair wage access