Why Instant?

We strive to give every working American fee-free access to earned wages, when they want, where they want, and how they want. Instant ranks among top earned wage access companies, redefining how businesses think about financial wellness benefits.

Illustration of a hand holding credit card from Instant Financial, a trusted earned wage access provider.

It’s Fee-Free

Instant is pioneering the fee-free approach to earned wage access provider services, ensuring that employees pay no overdraft fees or transaction fees.

Illustration of a person holding a card to show off the retention benefits of using an earned wage access provider.

We Help Retain Employees

On-demand pay solutions are increasingly recognized as a critical employee benefit. Stand out to top talent with pay as your

Illustration of a person on a laptop to show how an earned wage access provider can help employees gain financial freedom.

We Use Pay For Good

We believe financial freedom has the potential to revolutionize society and leave a lasting positive impact.

Helping Your Employees Reduce Financial Anxieties Elevates Their Satisfaction and Performance

Employers offering Instant’s on-demand pay apps and earned wage access solutions experienced significant improvement in employee retention, application, and absenteeism.

0%
Reduction in Turnover
0%
Increase in Job Applicants
0%
Reduction in Absenteeism

Reduce Turnover Costs with Instant

As one of the innovative on-demand pay companies, our EWA programs set the standard for others in the industry. Use our turnover and savings calculator to see how you could save annually with Instant’s fee-free earned wage access solutions. We integrate seamlessly with many payroll providers to let you offer early wage access to boost employee retention.

Enter your information

%
$

SAVINGS*

Reduction in turnover using instant 27%
Your Current Total Annual Cost of Turnover
Adjusted Cost of Turnover
Annual Savings by Using Instant

Talk to a member of the Instant Financial team today to learn how your organization could save up to $ annually.

* The calculations provided in this example are for illustrative purposes only, and are based on an average expected decrease in turnover of 27%, as achieved by existing Instant Financial clients. Actual savings achieved may vary.

Meet Our Products

Whatever business you operate, we have a solution built to give
your employees the financial freedom they deserve.

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INSTANT PAY

Our EWA service seamlessly integrates with your existing payroll systems, increasing capabilities without disrupting operations. With Instant Pay as your EWA provider, your employees will be able to:

⦿ Access wages before payday, free of fees

⦿ Make purchases anywhere Visa® is accepted

⦿ Transfer wages to a bank account

⦿ Track their pay and spending with the Instant app

And know that you’ve got their backs!

Photograph of a smiling woman checking the balance of her account from an earned wage access provider.
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INSTANT TIPS

Discover a whole new way to deliver tips that differentiates you from the competition, and builds an organizational culture that shows you’ve got your employees’ backs.

⦿ Get tips paid out instantly after a shift

⦿ Keep staff safe by going cashless

⦿ No integration – go live in days

⦿ Keep an audit trail of tips paid to staff

And think of your business as one that’s got their backs.

Photo of two people in aprons looking at a laptop discussing the benefits of using an earned wage access provider.
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INSTANT MILES

Simplify your mileage reimbursement process with Instant Miles.

⦿ Reimburse employees for miles driven, instantly

⦿ Get clear and easy audit trail

⦿ No integration required – go live in days

And think of your business as one that’s got their backs.

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INSTANT CARD

With Instant Card, employees will be able to:

⦿ Access money they’ve earned instantly, without fees

⦿ Make purchases anywhere Visa® is accepted

⦿ Access over 37,000 surcharge-free ATMs

And know that you’ve got their backs!

Photo of a smartphone with the Instant Financial app and the Instant FInancial debit card.
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