Instant Access To Your Wages

No more late bill payments, bank overdraft fees, and payday loans.

89% of employees report ZayZoon reduces their financial stress

Your wages, in seconds

ZayZoon is available 24 hours a day, 365 days a year. You get to pick where we send your money.

Say goodbye to debt & interest No more payday loans or overdraft fees to access funds when you need them. For a $5 flat fee at most, we give you access to a portion of your wages, so you're not taking on debt to smooth your cashflow.

Financial wellness & support With our overdraft predictor, low balance notifications and spend insights, you can sleep easy, knowing exactly where your finances stand.

Trusted and Secure

Trusted by your employer and some of the biggest brands in the world to ensure your security.

How we help

Low Cost

At most, it costs a $5 flat-fee to access a portion of your wages. That's it! ZayZoon funds all early wage access requests with no hidden interest rates or fees.

Flexible You can choose how much of your wages you'd like to receive & where you'd like to send your funds. Available to you 24 / 7 / 365.

Human Support ZayZoon has a dedicated team to ensure that you have all the support you need throughout the process.

Quick & Easy

Receive your funds in minutes. Better yet, you choose where you'd like to send your funds.

Checking Account / Debit Card

You can access your money by quickly transferring to you checking account OR an existing debit card. Bank connections are read-only and use 256-bit encryption. ZayZoon is PCI certified for handling your credit card and bank account information.

ZayZoon Visa® Prepaid Card

The new ZayZoon Visa Prepaid Card gives you access to your earned wages without the $5 payout fee. The ZayZoon Visa Prepaid Card acts like a debit card; you can use the card in store or online anywhere Visa debit cards are accepted.

ZayZoon Boost Instant Gift Cards

ZayZoon Boost is an instant gift card, where you can get up to 20% extra at retailers where you're already shopping, like Walmart, Amazon, Target, CVS & more. Also, all ZayZoon customers get 5% extra on gas!

Learn how to take control over your finances

Get free access to ZayU financial wellness including financial education, spend tracking, and predict when your bank account is going to start costing you money.

Lasheika's Story

"I told my sisters, brothers, and friends (about ZayZoon's Wages On-Demand). Most wish they had a job that would offer ZayZoon to them. The excitement on my face when I tell them is priceless."

Lasheika O ZayZoon Customer

Lasheika had to start over; with few possessions in hand and leaving an abusive relationship, she began an arduous new chapter in her life towards financial and personal independence.

Lasheika was thrilled to land a job as a Customer Service Representative because it meant a steady income and a new future. As she navigated this new phase, unexpected expenses started to come up; expenses that did not seem to line up with the 14-day pay period. Lasheika isn’t alone. Many are in similar situations: needing cash right away but having to wait until payday or having to resort to borrowing money to get those funds when needs arise.

Read Lasheika's Full Story