You’ve earned it.
Make sure a tight week never becomes a crisis. PlusFlex gives you access to your earned income before your scheduled pay date.
How PlusFlex actually gets you paid early
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Step 1
Connect your direct deposit
Link the employer direct deposit you already have set up. If your employer’s payroll provider isn’t supported yet, we’ll tell you as soon as you try to connect. Nothing else about how or where you’re paid changes.
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Step 2
We spot your paycheck before it officially lands
When your employer sends your payroll file to the banking network, PlusFlex can see it coming. As soon as we detect it, we send you a notification letting you know early access is available for that paycheck.
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Step 3
You choose how much to access
And see the fee before you confirm anything. Inside the app, choose an amount from that pay period’s income, anywhere from $50 up to your available limit. PlusFlex never sends you money without your say-so.
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Step 4
Immediately in your account
The money is in your account right away, and everything squares up automatically on payday.
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What does PlusFlex actually do for you?
Who can use PlusFlex?
You’ll need an active PlusCredit account in good standing, plus one verified direct deposit received in the last 60 days. There’s no credit check, no application, and no minimum balance required.
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$50 minimum, up to $1,000 per transaction, capped at what you’ve earned this period
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Up to $2,000 a month, across two transactions maximum
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Only one request can be open at a time. The next one unlocks once the current one settles
Your available amount always shows in the app before you request anything.
Disclaimer zone
PlusFlex gives you early access to income you’ve already earned this pay period. It is not a loan, cash advance, or credit product. No interest is charged, and access is based on verified income, not credit history.
Eligibility requires your PlusCredit account to be in good standing and not suspended, under review, or flagged for fraud.
Funds settle automatically on your scheduled payday. There’s no rollover and no extension, and there’s no path where an outstanding balance is owed after settlement. Reconciliation happens automatically every time.
Your payroll data is used only to process your request. It is never used for credit scoring and never shared with third parties. Every request needs your confirmation, and nothing releases without you opting in.
Payday before payday
You worked for it. It’s already yours. PlusFlex just makes sure you can use it when you need it, not when the calendar says you can. There are no loans, no interest, and no waiting.