***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 or contact us at***

With Rain, you can easily withdraw portions of your paycheck before payday - no more waiting two weeks!

Rain is not a loan. You can access money you’ve already earned whenever you want to. All you have to do is add a card (any card) to the app and withdraw when you’re ready.

This is an employer-sponsored benefit that connects directly to employer payroll and timekeeping systems to give you access to your funds when you need them most.

Rain also includes financial wellness tools such as the ability to live chat with a financial wellness coach for free, and access to benefits such as prescription drug discount plans.

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 balance will increase. You can request money from your available balance whenever it makes the most sense for you. You can use Rain to pay your bills, fill your tank with gas, and 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.

All of Rain’s information is highly secure and follows all federal and state regulations for wage assignment.

Visit for more information.

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

What’s New

Version 1.3.26

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
883 Ratings

883 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.

MDykes71 ,

Trouble getting started

For the first week I tried using this app I kept getting the runaround about what was keeping me from being able to put in my hours. Rain said my job had me on hold but nobody at my company had any idea why they were saying that since they didn’t have my account on hold for any reason so I got paid normally and hoped I wouldn’t need it but I did and when I opened up the app it allowed me to put in my hours. I still have trouble with my hours being accepted every day bc they go by a printout my company provides which uses the dates the projects are due not necessarily the day the work was done but that was explained to me in detail by someone who took the time to investigate my issue instead of passing the buck so I’m much more satisfied with the app now

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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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