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Instant access to your wages

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

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89% of employees report ZayZoon reduces their financial stress

Wages, in seconds

ZayZoon is available 24 hours a day, 365 days a year. We use The Visa and Mastercard networks to get money in your hands in an instant.

Say goodbye to debt & interest We charge a $5 flat fee to access up to $200 at a time. Since it's your own wages you're accessing, you're not taking on debt to smooth your cashflow.
Put your finances on auto-pilot With our overdraft predictor, low balance notifications and spend insights, you can sleep easy, knowing exactly where your finances stand.
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Finances are no joke. We're trusted by some of the biggest brands in the world and make sure your security is our number one priority.

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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.
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Lasheika's Story

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