Everything you need to access your earned wages
- ✓ Access up to $200 per pay period
- ✓ Unlimited draws up to your eligible amount
- ✓ Free 3-day ACH transfers
- ✓ Instant transfers: $3.95 (optional)
- ✓ 0% APR — no interest ever
- ✓ No late fees or penalties
- ✓ No credit checks or credit impact
- ✓ Non-recourse — no debt collectors
- ✓ 24/7 customer support
- ✓ Bank-level security
Cancel anytime. No long-term commitment.
Transfer Options
| Transfer Type | Speed | Cost | Best For |
|---|---|---|---|
| Standard ACH | 3 business days | FREE | Planning ahead, non-urgent needs |
| Instant Transfer | ~30 seconds | $3.95 | Emergencies, urgent expenses |
You choose every time. Each time you request an advance, you decide whether to use free 3-day transfer or pay $3.95 for instant delivery.
Cost Calculator
See how Payhist compares to your current costs:
Calculation assumes $100 average advance amount, $20 payday loan fee per $100 borrowed, and 50% instant transfer usage with Payhist.
What's Included
💰 Access to Wages
Draw up to $200 of your earned wages before payday. Your limit increases as you build history with us.
⚡ Instant Transfers
Optional $3.95 fee for money in ~30 seconds. Or use free 3-day ACH at no extra cost.
🔄 Unlimited Draws
Make as many draws as you need up to your eligible amount. No per-transaction subscription fees.
📱 Mobile App
Easy-to-use iOS and Android apps. Request advances, track balances, manage your account.
🛡️ Security
Bank-level 256-bit encryption, multi-factor authentication, and SOC 2 certified infrastructure.
💬 Support
24/7 customer support via email, chat, and phone. Real humans ready to help.
Frequently Asked Questions
Can I cancel anytime?
Yes! Cancel your subscription at any time through your account settings. You'll retain access through the end of your billing period, and you'll still need to repay any outstanding advances.
Are there any other fees?
No. The only fees are $16.99/month subscription and optional $3.95 instant transfers. We don't charge interest, late fees, overdraft fees, monthly minimums, or "tips."
Is there a free trial?
Your first month is risk-free. If you're not satisfied, cancel within 30 days for a full refund of your subscription fee.
What if I only need it occasionally?
You can cancel and resubscribe at any time. However, most users find the $16.99/month is still far cheaper than even a single payday loan ($20-40) or overdraft fee ($35).
How does this compare to other EWA apps?
Most EWA apps claim to be "free" but pressure you to tip $3-5 per transaction. With 4 advances per month, that's $12-20 in "tips" plus you're limited to $100-150. Payhist gives you $16.99 all-in pricing with access to $200.
Ready to Save Money?
Join thousands who've switched from payday loans to Payhist.
$16.99/month · Cancel anytime · No hidden fees