SteadyPay - Smart Money Loans 4+

We top up when you earn less‪!‬

SteadyPay Limited

    • 4.5 • 847 Ratings
    • Free

iPhone Screenshots


We top you up when you are paid less than usual. No interest or hidden charges. Plus credit building and extra 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 £7 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 36.4%, 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 6.1.1

Fixes and performance improvements

Ratings and Reviews

4.5 out of 5
847 Ratings

847 Ratings

felixxsi ,

Open and honest

Open and honest. I actually had a pretty poor experience when I first signedup – they couldn’t detect my pay. But they didn’t make excuses, admitted something wasn’t working for me as it should be, kept me informed as they fixed it. I really appreciate the honesty – it’s so rare in business these days. And everything has been working great since then.

Developer Response ,

Thanks so much for sharing your experience with us. We are happy to hear that the situation has been fixed.

SJ_Athlete ,

Steer Clear

Where do I begin? If you’re looking for responses from the team expect to wait days. It’s a terrible service and it’s also not as advertised. There were times where the “top up” function was never available to me. I also tried to pay for my subscription yet they blamed my card when I had sufficient funds every-time. The development of the app is also poor and fiddly making it hard to navigate. If you’re looking for assistance from someone unless you get Almas, it’s unlikely you’ll have help. There are many other better alternatives in the market where the customer service and interface are a lot better. I would give it 0 stars however that is not possible. They are looking to catch people out and profiting from doing so. Be warned.

Developer Response ,

Hi there, thanks for sharing your feedback. We’re sorry your experience didn’t match your expectations.

We have investigated your case and we can see the issue lies with the card you used as it said there were not sufficient funds or the transaction limit has been reached. When it comes to the top-ups we can see you've received a total of £150 top-ups since you were a member. However, for a few months, you haven't added the correct employer as the wage wasn't detected in the bank account linked.

Please feel free to reach out to with any further comments, concerns, or suggestions you wish to share. We would love to make things right if you give us another chance.

best wishes,

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.

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


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