Track spending, subscriptions, and upcoming bills in one simple app. Eligible users can access Cash Flex™ for cash flow support.
Panda Pay helps you track spending, monitor bills, and get a cash advance when you need one, all in one place.
Eligible users can get a Cash Flex™ cash advance of up to $100,* with free standard ACH delivery or instant delivery for a fee.
- No late fees
- No interest
- No credit check
- No direct deposit required
Sign up in minutes and explore your spending insights and Cash Flex eligibility.
GET STARTED WITH PANDA PAY:
1. Create your account
2. Connect your bank securely through Plaid
3. Track your finances and, if eligible, get your Cash Flex™ cash advance
It's that simple. No paperwork.
CASH FLEX™ CASH ADVANCE — UP TO $100*
Cash Flex provides eligible users with temporary cash flow support of $20 to $100. Choose your amount and repayment date from the options shown. Standard ACH delivery is free; instant delivery is available for a fee, shown before you accept. Delivery timing depends on your bank and the transfer method selected. One active Cash Flex at a time. Continued eligibility and available amount may depend on account history, activity, and other criteria.
Example: If you accept $50 via Cash Flex with standard ACH delivery, the transfer fee is $0 and the total return amount is $50.
YOUR MONEY AT A GLANCE
Know exactly where every dollar is going — and what's coming next.
- Spending broken down by category
- Income vs. expense breakdowns
- Recurring bills and subscription tracking
- Balance trends so you can plan ahead
REAL SUPPORT WHEN YOU NEED IT
Reach our support team directly in the app or at support@pandapay.money. For quick answers, our AI chat assistant is available around the clock. We typically reply within 1 business day.
SAFE AND SECURE
Your information is locked down with the same encryption banks use.
- Bank-grade TLS encryption
- Credentials are never stored — processed securely through Plaid
- Plaid connects with thousands of banking institutions across the US, including Chase, Bank of America, Wells Fargo, and more
- Unlink your bank anytime directly in the app
MEMBERSHIP
Panda Pay charges a recurring membership fee to maintain your linked bank connection and power Cash Flex, spending insights, and other financial tools. Current pricing, billing frequency, and any applicable trial period are shown in the app before you are charged. The fee is auto-renewed until canceled. You can cancel anytime in the app under Account > Bank Account, or by emailing support@pandapay.money. To avoid being charged for the next billing cycle, cancel before your next scheduled charge date shown in the app.
Questions? Reach us at support@pandapay.money or visit www.pandapay.money/support
DISCLOSURES
*Cash Flex™:
Cash Flex provides eligible users with temporary cash flow support. Cash Flex is not a loan, line of credit, or any other form of credit. Panda Pay does not charge interest or late fees in connection with Cash Flex. Not all users will qualify. Eligibility and amount are determined based on account history, activity, and other criteria. Cash Flex amounts are up to $100. Not available in all states. Cash Flex delivery timing depends on your bank and the transfer method selected. One active Cash Flex at a time. Example: If you accept $100 via Cash Flex with standard ACH delivery, the transfer fee is $0 and the total return amount is $100. Cash Flex is not available to residents of California, Connecticut, Hawaii, Indiana, Kansas, Maryland, Minnesota, Missouri, Nevada, South Carolina, Utah, Wisconsin, and Washington, D.C.
Panda Pay is not a bank. Panda Pay is a product of Radiant Union LLC, a Florida limited liability company.
Privacy Policy: https://www.pandapay.money/privacy
Terms & Conditions: https://www.pandapay.money/terms
Alex is wonderful, he helped me with a problem I was having. He was very fast and efficient. His has excellent customer service. Please give him a promotion with a big pay raise
Developer Response
Thank you so much for your kind feedback! We’re glad our support team was able to resolve your issue quickly and provide a great experience. We truly appreciate your support!
The app doesn’t work
bananalover45
I have used the app for maybe about a month and for some reason I don’t meet the requirements to get the cash advance. I have an active bank account. I have regular deposit from my employer. My account is not overdrafted. I was going to close my account, but they offered me another month for free so I kept my account for the last two weeks or so every other day, I would go to see if I was approved and I’m not. I really feel like this app. Just want your money for the subscription, but they don’t follow through with giving an advance.
Developer Response
We’re sorry this has been such a frustrating experience, especially after maintaining an active account and regular employer deposits. Eligibility is based on several account activity factors and can change over time, but we understand why paying for the service without receiving an advance feels disappointing. Please email support@pandapay.money with the name or email linked to your account so our team can review your eligibility history, subscription, and the free-month offer and work toward a resolution.
Real App!!!
koleemeememem
Actual Advance App and not a scam. Yes download this if you need a quick advance. Started me at $20 but moved up quick when you pay back
Developer Response
Thank you so much for sharing your experience! We’re thrilled to hear that Panda Pay has been helpful. We truly appreciate your trust, support, and recommendation. We’re happy to have you as part of the Panda Pay community!
Upsetting
briana231995
I I tried reaching out to them today because I’ve been paying for their subscription for a couple months and still have not been able to take out in advance, so I reached out wondering why and they started a ticket and now my account is completely screwed up and they won’t even let me connect my bank. I would not waste your time:(
Developer Response
We’re sorry for the repeated frustration. Meeting individual requirements does not always result in approval because eligibility is determined using several account activity factors together. We understand that this can feel unclear and disappointing. Please email support@pandapay.money with the name or email linked to your Panda Pay account so our team can review your case and provide more specific assistance.
Bug fixes and improvements.
Version 26.10.300
The developer, Radiant Union LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Contact Info
User Content
Identifiers
Usage Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Radiant Union LLC
Size
35 MB
Category
Finance
Compatibility
Requires iOS 17 or later.
iPhone Requires iOS 17 or later.
Mac Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.
