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We top you up when you are paid less than usual. No interest or hidden charges. Plus credit building and emergency cash when you need it the most.

With SteadyPay you can enjoy regular pay, helping you to stay in control of your budgeting, start saving and be on top of your bank balance. SteadyPay provides you with a safety net, so you need not worry about cash and can instead focus on what is important for you.

Unlike other lenders or banks, we do not charge any interest as we believe in positive, honest and fair finance for everyone. Building your trust is important for us, so we do not charge any hidden fees either. You only ever pay a £4 weekly subscription. Benefit from access of up to £1,000 credit capital reserved for topping up your salary / pay through our automated service.

Repayments are spread into instalments – you get a clear and simple fixed repayment plan. All repayments go to refreshing your credit for the next top-up. We pause instalments if you receive another pay that is below usual, and offer you another top-up and a brand new instalment plan. This way we keep on ‘smoothing out’ your pay.

With the app on your phone, you can:
- Apply to get approved and become a customer.
- Securely and safely establish a read-only connection to your main current bank account (this enables SteadyPay to work out your usual pay and to automatically check if your pay is due a top-up).
- Self service - manage your top-ups and track instalment plan.
- View your balance report.
- Make optional repayments using your debit card.
- Receive notifications.
- Contact our best in class customer support.
- Cancel the service (you will need to repay your balance first).

Important information:
- When you apply, we do a credit check. However, we use our expert internal system to evaluate your score, which allows us to extend our service to more customers than traditional lenders or banks.
- To be eligible for top-up offers, you must have paid the subscription for two weeks. If you are employed by a SteadyPay partner, you may eligible earlier.
- All top-up offers are subject to confirmation of employment status and ongoing affordability assessment.

SteadyPay is the UK’s leading fintech. We are regulated and authorised by the Financial Conduct Authority (FCA). SteadyPay’s offering is a revolving credit (personal line of credit) designed to continually top up your pay over the course of the year (and beyond); it is not a short-term payday loan or payslip advance. Representative APR 20.8%, based on borrowing £1,000 in top-ups. We do not charge interest and you are not at risk of paying more than the top-ups you opt to receive. Representative APR depicts the subscription as the cost of using our service.

What’s New

Version 4.4.5

Bug fixes and improvements.

Ratings and Reviews

4.6 out of 5
675 Ratings

675 Ratings

Debscd ,


SteadyPay has been a lifesaver to say the least. Due to covid 19, the way my company pays us changed, but because of SteadyPay’s advanced tech, I’ve never had to worry as they’ve offered top up whenever I really needed it. Because of their easy and simple repayment plan I’ve never had any problems and the customer service team is fantastic and always ready to help. Very friendly. Best decision ever to have them as an emergency option. More helpful than your traditional bank.

Developer Response ,

We are so grateful for your 5-star review. Thanks for sharing your rating with us and the community. We are pleased to hear that the service helps our members the way it was intended.

jake Mulolani ,


Just the best thing ever. Steady Pay is literally a revolution Moving forward, can’t fault it one bit. It’s a great way to put mind at ease especially if you work on an hourly basis.

A suggestion on moving forward is an option to allow access to a top up in case of an emergency etc or shortfall of money when in need the most.

All in all, it’s a great app.

Developer Response ,

Hi Jake, thank you for the amazing review and the great feedback. Regarding the emergency top up - this is something in the works - so great minds think alike ;) ! Keep an eye out on the app for exciting things ahead.

shekhar235 ,

Wrong info

I download this app after reading the reviews that it dose top up your pay after checking your payroll for a month
App start charging you from the beginning of your subscription and will give you average pay details etc but even after my pay dropped in my first month significantly I did not receive I single penny from them
Also it was showing they are checking my pay for a week even after you are paid you salary so really not sure what the are checking
I deleted the app in my first Month of subscription and lost 16 pounds for nothing so think before you go ahead
I don’t think it is worth wasting time and money

Developer Response ,

Hi shekhar235!
Thanks for your review! Sorry to hear you have been frustrated with your experience with us. On occasion we may need to review top-ups, and for compliance reasons we may need to ask customers for a payslip as part of the review. We aim to complete any top-up review within 1 business day.
Please do get in touch with us at support@steadypay.co, and we'll be happy to look in to a refund for you. :)

App Privacy

The developer, SteadyPay Limited, 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 Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers
  • Usage Data
  • Sensitive Info
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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