This app is without a doubt the most useful tool for anyone who lives from paycheck to paycheck ( the vast majority of Americans ) . The first thing I absolutely love about it is the fact that it is not a payday loan , it doesn’t charge you rediculous interest rates averaging 400% apr or higher according to a google search I just did. As a matter of fact this service is absolutely free if you’re willing to wait a couple of days for your money to transfer or if you need the money instantly deposited into your account they charge you a flat rate of 2.99 no matter how much you receive. The way it works is it is synced with your direct deposit info and knows your pay schedule and your hours worked In real time . It will basically make a percentage of your pay for the hours you have already worked available to you instantly ( the percentage is roughly half) . For example, say you make 25 dollars an hour and you work 8 hour shifts. That would be 200 dollars per day before taxes . So if you have worked 3 days you would be able to get roughly 300 dollars deposited into your account instantly for 2.99 . And when payday comes you will receive your full pay minus the 300 dollars you were given early. Isn’t that awesome ?!?! You should give it a try next time you are in a tight spot and need funds instead of getting a payday loan or pawning your personal belongings. I’m confident you will love it as much as I do .

So before I talked to this DailyPay employee I’m about to mention, I was already out the door ready to stop using DP. The overall experience was honestly horrible. Customer service sucked, I had a dude eating while talking to me and talking like he’s on the streets. Just unprofessional. Let me say there is some good agents at DP but far and few. Anyways, they were charging me $2.99 a transfer, for what was suppose to be free when you set up a Current account, But then God called on one of the good ones left at DailyPay and I couldn’t be more happier. All worries are gone knowing this man works for DP. I had run into some horrible customer service with them and week long responses just to get asked if I needed help again. Then came along a man named DAVE. A legend in my book and someone who DP needs to pay as much as you can to keep at your company. Cause he will keep customers and make the company money. I don’t know his last name but he’s a Daily Pay employee named Dave in the customer service department, most likely runs it. But man, I hope people who have issues with DP, get to talk to a Dave. He made everything more then better. Dave is up there with Jesus Christ in my opinion. Just a class act and a peoples person. It’s not the hero we want, but it’s the Hero we need! Thanks for your help Dave!!!! Talk soon

Ok this being my second job I don’t care about borrowing at all I would do it everyday but the updates are not daily atleast for me. First day of work on a Tuesday I see my $123 so I cash out $123 first deposit free then I waited 5 days for my Wednesday pay plus now they say only 50 % can be advanced and when asked about my first advance being 100% of my pay “minus taxes of course” they can’t explain how I was able cash out $123 when I should only be allowed $60 some odd dollars because 50% allowed amount. So on Tuesday of next week I get my $58 dollars after the $3 fee. Then I’m thinking ok maybe Wednesday I’ll get another $58 and so on and so forth but no that’s it no more money sent to my daily pay during the middle of pay period. End of story it’s not daily pay and they blame your employer and employer blames them. Change the name from daily pay to whenever it clears. Don’t ever both with this daily pay crap. No matter where you are just go to “People ready” it’s nation wide and they actually pay daily no gimmicks. Just choose the daily pay jobs not weekly if your in a bind for cash. Ps No need to have daily pay personnel comment back because obviously by the amount of bad reviews your failing as a company.

For the most part, I like Daily Pay. Sometimes you need your money early for necessities such as gas and food. That’s a big pro. However, there are many cons. First, you have to pay $3 for every transfer. When you’re making minimum wage ($7 and some change where I live), that’s a lot to give up every time you really need money. Second, this app can incorrectly report how much you’re really earning. This week it said I had a certain balanced earned. I was borrowing money and making sure I didn’t touch a certain amount of my paycheck because I have an insurance bill due this week. My paystub came out yesterday and it turns out I actually EARNED LESS than what Daily Pay stated. After my paystub came out, THEN DailyPay updated theirs. I had already borrowed money this week. As a result, I’ll have LESS money than I expected to have on payday. Now I have to borrow money from my next paycheck to cover the rest of my insurance bill. Just a warning to everyone: keep track of your own hours, don’t rely on this unreliable app, it could screw you over. Even better, don’t use it unless you really have to. Maybe I should stop using it entirely and just try to make it between paychecks, that way I will have all of my money when I actually need it. We all have to be careful when allowing our money to come through a third party. It’s probably better to just have your full paycheck go directly to you then through some app. Just be careful everyone.