Getting Paid Early Has a Price. Work Out the Real Rate
Build an early-wage-access cost check It runs locally in this browser and sends nothing.
LIMIT FIRST: This is a record-keeping and dispute-drafting aid, not legal or financial advice. It cannot cancel a debt, stop all collection calls, or guarantee that a dispute is upheld.
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Cost and free path
Cost: Free: one complete run in this browser, no account. Optional $4 one-time unlock allows unlimited runs of this tool on this browser. The free path and safety guidance never require payment.
Rule status (mixed route): Status, 2026-10-03: the CFPB's December 2025 advisory opinion treats covered earned-wage access as not credit under TILA, while 12 states have EWA laws and at least two treat it as credit — the fee is real either way.
Automated decision this documents: automated payroll-data underwriting and fee assessment
Free path, in order (no cost):
Your credit union or community bank's small-dollar or payroll-advance product
211 for local emergency financial assistance
CFPB's consumer tools on small-dollar credit and complaint route
What this cannot do: It cannot cancel a debt, stop all collection calls, or guarantee that a dispute is upheld.
Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.
One-time payment. No subscription. Unlocks this tool on this browser only; not synced to other devices. Free use remains available. Safety information never requires payment. Client-side unlock is not purchase-verified. Refunds.
This tool reduces uncertainty; it does not replace a bank's fraud department, a mental-health professional, legal advice, a school privacy contact, or qualified technical help, and it cannot prove that a call, message, account, decision, or AI system is safe.
Convenience tier: unlimited runs on this browser$4 one-time