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For workers

A salary advance, from pay you've already earned.

A salary advance through Wagecrew lets you reach the pay you've already earned this period, without waiting for payday. Your employer switches it on, so you can use it where you work if they offer it. Draw up to a cap they set, sent to your own bank account.

Not a loan No credit check Paid by Faster Payments

See if you can use it

In plain English

It's your own pay, a little early

You've already done the work, so you've already earned the pay. Wagecrew simply lets you access a portion of those earned wages before your payday. Wagecrew only ever lets you reach wages you've already earned.

  • It's wages you've already earned this period, not an advance on hours you haven't worked yet.
  • Up to the cap your employer sets, paid by Faster Payments.
  • No fee to you, and no interest to pay back.

How it's paid for

A worker's week · illustrative example

Earned by Tuesday£140.00
Drew Tuesday evening£80.00 Paid
Fee chargedNo fee
Comes off payslip£80.00

Illustrative figures only; not a quote.

Can I use it?

You can use it if your employer offers it

Your employer will provide Wagecrew as an employee benefit, so you can't sign up independently. Once they've switched it on for your team, here's how we calculate the amount of earned pay you can access.

Your employer offers it

The first step is your workplace. If they use Wagecrew, you'll get access to the worker app. If they don't yet, you can show them.

You've earned wages this period

What you can draw comes from pay you've already earned - the work that's been approved for you so far. It updates as your period goes on.

Up to the cap they set

Your employer chooses the cap on how much of your earned pay you can draw, and the minimum draw. You'll always see what's available in the app.

How to request it

Three steps, from the app

See what's available

Open the app and check the balance you can draw. It builds as the work you've done this period is approved.

Request an amount

Choose how much you need, up to your cap. You ask for it yourself; nothing is sent automatically.

Get paid to your own account

It's paid by Faster Payments to your own bank account - typically within seconds.

At payday

What comes off your payslip

On payday, the amount you've already accessed is simply deducted from your wages. For example, if you withdrew £80 before payday, £80 is deducted from your payslip. That's it. There are no fees, no interest and nothing extra taken. The remainder of your wages is paid as usual.

The questions worth asking

Is it a loan? Will it affect my credit?

Fair questions. Here are the plain answers, stated as facts rather than sold to you.

Not a loan or credit

You're reaching wages you've already earned, not borrowing. It isn't a loan and it isn't credit.

No impact on your credit score

There's no credit check to use it, and no credit-score impact for this model.

Your money, your account

You sign in with a magic link, and the money is paid to your own bank account by Faster Payments.

Reaching earned pay early can help in a tight week, but it isn't a fix for longer money worries. For impartial money guidance, see MoneyHelper, the government-backed service.

FAQ

Questions workers ask

The basics

What is a salary advance through Wagecrew?
It's access to a share of the wages you've already earned this pay period, before your normal payday. You draw up to a cap your employer sets, and it's sent to your own bank account.
How do I know if I can use it?
Your employer switches Wagecrew on, so you can use it if they offer it. Once you're set up, what you can draw updates from the work that's been approved for you this period.

Cost

Does a salary advance through Wagecrew cost me anything?
No. There is no per-draw fee to you, no charge to get the money faster, and no subscription. Your employer covers the cost of running it.
Is it a loan?
No. You're reaching wages you've already earned, by requesting them yourself, and only what you drew comes off your next payslip. It isn't a loan and it isn't credit.
Will it affect my credit score?
No. There's no credit check to use it, and no credit-score impact for this model.

Getting paid

How does the money reach me?
It's paid by Faster Payments to your own bank account - typically within seconds.
How much can I take?
Up to the cap your employer sets, of wages you've already earned this period. They set the minimum draw too, and the app always shows you what's available.
What if my employer doesn't offer Wagecrew yet?
Wagecrew is set up by your employer, not by you. If they don't offer it, you can point them to the page for employers.

Want it where you work?

Wagecrew is set up by your employer

If your workplace doesn't offer a salary advance through Wagecrew yet, you can show them how it works.

Show your employer See how it's funded
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