PayActiv creates room for dreams

By helping to eliminate these fees and penalties

$8 billion

Payday Loan Fees

$25 billion

Overdraft Fees

$10 billion

Bank & Money Fees

$27 billion

Subprime & Title Loan Fees

$43 billion

Subprime Auto & Buy Here Pay Here Fees

$25 billion

Credit Card Balance Interest

$10 billion

Late Fees & Reconnect Fees

By helping to eliminate these fees and penalties

$ billion

Payday Loan Fees

$ billion

Overdraft Fees

$ billion

Bank & Money Fees

$ billion

Subprime & Title Loan Fees

$ billion

Subprime Auto & Buy Here Pay Here Fees

$ billion

Credit Card Interest & Fees

$ billion

Late Fees & Reconnect Charges

Read Our User Stories

Eva's Story

I have paid a lot of money in fees. NO MORE!

Eva works in retail and is a mother of a 4-year-old. She doesn’t have a bank account and uses PayActiv to make small payments on time every month like her phone bill and childcare.

“It was an easy and fast enrollment. No credit checks or personal information was needed. Honestly, I want others to know what a great program this is.”

Yvette's Story

Mother of newborn evicted for late payment

Yvette, the mother of a newborn, was evicted for a late payment on her rent because she couldn’t work. She’s used payroll cards but doesn’t like the fees. Yvette doesn’t have a bank account and has had to pay late fees many times.

She used PayActiv to put together a deposit for an apartment and also uses PayActiv for food when she can’t wait until payday. This helps her better manage her finances.

Will's Story

Regularly needs money for prescription medicines

Will, 65 years old, is a grandfather. He uses PayActiv to get medicine for him and his wife when the prescription runs out.

"I used PayActiv to get my wife her medicine on time. She depends on me."

Barbara's Story

I used to ask my employer for an advance every time rent was due

Barbara, 50 years old, is the head of her household with multiple dependents including a grandchild.

She’s had to pay late fees multiple times as a means to get by. With PayActiv, she’s completely eliminated those costs.

Daniel's Story

I paid off two separate payday loans

Daniel is married, has kids, and works overtime to make ends meet.

"It’s been a huge change in my life. It’s brought me comfort, peace of mind, and taken the worrying out of my life. I’ve paid off two separate payday loans now. Thank God it’s over—PayActiv helped me get through that."

Selena's Story

Used to cry, pray, and talk to others to get over stress and despair

Selena, 46 years old, has worked since she was 14. She avoids credit cards but pays for prepaid cards. She’s also taken out payday loans.

PayActiv has given Selena the ability to deal with day-to-day expenses in a timely manner and has helped give her peace of mind.

Matt's Story

Lost his job and is starting life over

Matt lost his job and traveled cross-country to find one. He has no bank cards or accounts and at the age of 32 is starting his life all over again.

“I was homeless when I first got here. Now, I’m staying in someone’s garage but I pay them for rent. I’ve used PayActiv to pay for my rent and food.”

Lexa's Story

I’d rather not buy something until I have my own money

Lexa lives with relatives and doesn’t have or use credit cards. She’s single, a part-time student, and works multiple jobs.

"There’s peace of mind with PayActiv. I’m less stressed because of it."

John's Story

It’s rough to pay back payday loans; they keep calling you

John, 57 years old, is the head of his household and has worked 30+ years. He doesn’t have credit cards or use prepaid ones.

"I think you have a fair cost. I’d rather deal you with all instead of going to a payday lender. Last year was the last time I went to one—I’ve never been back. I stopped when I had PayActiv."

Lindsey's Story

You have to learn to put yourself on a budget

Lindsey, 39 years old and a mother of 2, is a healthcare worker. She’s cut all her credit cards and hates them.

"PayActiv is good. I like it, especially around the holidays. Even for bills, it helps me budget. Sometimes you might not have enough and have to pay late fees. Now, I know I can go with PayActiv."

Ashley's Story

Had a bank account in the past, but paid too many overdraft fees

Ashley is the sole provider for 3 kids. She’s been working since she was 16 and has often had to depend on prepaid cards but hates the fees.

Ashley uses PayActiv for rent deadlines. She also likes that she can’t withdraw more money after a transaction until the deduction is cleared.

Jimmy's Story

I basically work for my family

Jimmy is 33 years old and the father of 4 children. He works in a clerical role and completely avoids credit cards and loans.

“PayActiv helps me meet my deadlines. I can send money to my family and always pay the phone bill on time.”

Philip's Story

It makes me feel very uncomfortable to ask for money

Philip has been a working technician for 20 years. He has 3 children and is constantly stressed about money but doesn’t want his family to know about it. He does side jobs for extra money.

“I normally use PayActiv twice a month to meet bill and rent deadlines. Normally, I would ask a relative to borrow money. Now, it’s been 1 year since I’ve had to ask anyone to borrow money because of PayActiv.”

Kelley's Story

It was Friday and I needed money for the weekend for my family

Kelley is a healthcare worker who started working at 16 years old. She’s the head of the household, is always stressed about money, has no savings, and uses credit cards very rarely.

She likes that PayActiv provides an alternative. She hasn’t had to borrow money from anyone since her employer began offering this program.

Names and pictures have been changed to protect the privacy of individuals.