Rain Instant Pay 4+

On-demand wage access

Rain Inc.

    • 4.6 • 3.6K Ratings
    • Free



***You cannot sign up for Rain until your employer has created an account with us. If you are an employer or employee and want to learn more, visit https://rain.us or contact us at care@rain.us.***

Rain is on a mission to eliminate the need for payday loans, overdraft fees, and high-interest credit cards. With the Rain app, you can easily gain access to a portion of your paycheck before payday! Rain allows you to access the money you've already earned, and you can make a request on the Rain app at any time. All you have to do is add a card (any card) to the app and transfer funds from Rain to yourself when you're ready. Access to the money you've already earned reduces stress and makes paying bills easy when you are short on cash.

What you can expect from Rain:
- No hidden fees
- No interest
- No stress

This benefit is offered through your employers, payroll processors, or benefits providers that connect directly to employer payroll and timekeeping systems to give you access to your funds when you need them most. [[In addition to getting paid when it's convenient for you, Rain also includes a suite of financial wellness benefits, such as the ability to live chat with a financial wellness coach for free.]]

Early access to wages means no more late fees, overdraft fees, or high-interest payday loans.

How it works:
As you work through the week, your available funds will increase. You can transfer request money to gain access to your available earned wages whenever it makes the most sense for you through the Rain app. You can use the funds you obtain from Rain to pay your bills, fill your tank with gas, and do whatever else you need to meet your financial goals. [[Plus, you can chat with our financial coaches to get budgeting and saving assistance or help raise your credit score.]]

Rain is trusted by over 500,000 employees around the world from top companies.

Visit https://rain.us for more information.

For customer service, call or text 424-369-7246 from Monday through Friday 9-5 central or email care@rain.us. You can also live chat with us once you're logged into the app.

What’s New

Version 1.14.1

Rain Instant Pay allows you to get paid before payday. No more payday loans or overdrafting! If you're living paycheck to paycheck, this financial wellness app is for you. Our on-demand pay is an employee benefit - your employer must participate in order for you to gain access.

This new update includes:
- Bug Fixes and UI improvements

Ratings and Reviews

4.6 out of 5
3.6K Ratings

3.6K Ratings

Mapleburger ,

Rain App

Never trusted this app in the beginning or even understood how it worked but there was talk bout it at my job and I talked to a coworker bout it he liked it so I downloaded it and there was a time i needed money pretty badly for rent but I had to wait for my check and forgot and realized that I had rain app and literally saved my life took what I needed and I was happy I love how if you ever needed any side money rain app is there for you take a little money out your check at anytime before your actual check comes out I don’t use it all the time but it definitely helps me and I’m sure it will help you too I definitely recommend downloading it 5 star hands down!

Developer Response ,

Glad you gave us a shot! We totally get that it can be scary to try anything new when it comes to your finances, but we've got your back!

Jade Hicks ,

Offered through my place of employment...

As with most apps, there are things to be happy about and things you don’t really care too much for. I haven’t gotten to experience all of the features just yet, however I have withdrawn money to see how it works. I like that the money can come instantly to your card but you pay like $3.99 just to receive it right away. Otherwise you can wait 3 business days to have it sent to your bank account...
Also it takes almost 24 hours for my funds to show up on rain after working my shift. I’m not sure if that’s an app issue or the communication of hours worked from my work place... it’s seemingly quick but if you’re in a pickle it’d be nice to get your nickel a little more quickle. 😂 I’d say the biggest downfall is having to pay $4 just to get your money that you worked for right after you worked the shift. On the flip side it’s still a nice feature rather than having to wait the two weeks in between checks for those of us who get paid by weekly. Overall a very useful app.

Nini71243 ,

Multiple Issues Since the Beginning

So from the very first time I used this app, I have had issues. I got assistance from them when trying to start it up. I put in all my information and didn’t think twice. I was able to use it once before I noticed I received an email telling me a second withdrawal had been made when I had only made one. I checked into it and noticed there was a different card number on there… and when going to them I told them I only had one active bank account. After about a week they did refund me and basically said I left my phone out for someone to switch the information, which was not the case. I was skeptical about using the app after that but I continued to because it comes in handy. Waiting two weeks to get paid, when things come up at anytime, is hard. Anyways things continue to happen and they take forever to respond. I feel like they have two people working for them and when you need help they put it off for days and still have no answer in the days they told you, you would have to wait.

App Privacy

The developer, Rain Inc., 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:

  • Contact Info

Data Not Linked to You

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

  • Location
  • Usage Data
  • Diagnostics

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

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