Get regular income top-ups

Build your credit

Access top-ups early

Get regular income top-ups

Build your credit

Access top-ups early

Together in all in one easy subscription. No interest charges or hidden fees.


Pay top-ups

When you get paid less than usual, we advance you money. The top-ups bring your income back to usual, protecting you when you work fewer hours or take time off.


Credit building

We partner with credit agencies, giving you the opportunity to build your credit score.

Early top-ups

Need to sort out an urgent expense? No worries. You can drawdown a fixed amount of money from your top-up facility.



Per week for All In One easy subscription.

Per month for our Credit Builder only.

No interest charges, no late penalties, no hidden fees.

Representative APR 36.4%

We do not charge interest. The APR depicts the subscription as the cost of using our service.

Representative example: Top-ups advanced: £1000. Interest charged: 0%. Subscription paid: £364 (£7 a week x 52). Total amount paid: £1364. Representative cost: 36.4%

How top-ups works

Easy setup

The app connects to your main bank. Our tech does the rest.

Get top-ups

The app monitors your pay. When you get paid below usual we offer you a top-up.

Easy repayments

Repay by instalments. Moreover, your repayments refresh your credit for the next top-up.

How credit building works

Part of the top-ups subscription

We report your repayments to the credit agencies, building your credit.

Or standalone Credit Building

For a reduced fee of only £7 per month, you can get a Credit Building only product.

Enjoy regular pay

Get a top up when your pay takes a hit - like when you work fewer shifts, take sick days or go on holiday. We've got you covered.

Calculate your top-ups

Your pay

How much are you paid? If you’ve more than one job, select the job whose pay you want topped up.



Your unpaid time off over a year

How many unpaid days would you take due to sickness, bank holidays, personal holidays, changes to the shift roster, etc?

Your results

Top-ups: £

You could receive top-ups over a year totalling £ to cover the unpaid time off.
(Subject to you meeting the terms and conditions of the credit agreement)

Pay back: days

A year's subscription would be paid back after receiving top-ups to cover days off work.

What our customers are saying


Super secure

We never see or store your bank login details. All data is encrypted and transmitted to your bank over a secure channel.

SteadyPay can’t be used to move money; it has ‘read-only’ access. The app is restricted to checking your account so it knows if you're due a top-up or can repay a top-up.

Important information

When you apply to SteadyPay we do a credit check.

To activate the service you must have paid the subscription for two weeks. To keep the service active you must keep up to date with your subscription and repayments.

You must be employed. You qualify for top-ups when the pay you receive from your employer is less than usual.

The minimum top-up is £25. Your top-up facility has a £1,000 credit limit. All top-ups are subject to affordability checks.

Steadypay is a credit service. Failing to make repayments may negatively affect your credit rating. If you need help with managing your debts, you can find more information here: