foundU On-Demand Wages

You can borrow up to 80% of your wages for a flat fee of $5.

foundU is an end-to-end payroll and workforce management platform that offers employers the option to enable on-demand wages for their employees. If your employer has enabled this option, you can access your wages before payday for a flat fee of $5 per withdrawal. The minimum advance amount is $100, the maximum is up to 80% of your wages.

  • Interest rate: 0%
  • Minimum advance amount: $100
  • Maximum advance amount: Up to 80% of your wages
  • Fee: $5 per transaction
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Product NamefoundU On-Demand Wages
Minimum amount$100
Turnaround timeInstant

How does foundU On-Demand Wages work?

If your employer offers on-demand wages through foundU, you can access your earned wages before payday. To use foundU:

  • Your employer needs to approve your shifts through the foundU platform.
  • foundU will calculate the pay owed to you – this amount will be displayed on the app.
  • You can access your earned wages early through the foundU employee app for $5 per transaction.
  • The amount you’ve accessed will be automatically deducted from your pay on your payday.

What features does foundU On-Demand Wages offer?

  • No interest. No interest is charged for using this service.
  • Advance limits. The minimum advance amount is $100. You can access a maximum of up to 80% of your wages early.
  • No sign up. As long as your employer has let you know you can use the wage advance option, you don’t have to sign up. You can access your wages early through the foundU employee app.
  • Fast turnaround times. Once you’ve requested your advance, you can expect funds in 15 seconds.
  • Automatic payment deductions. The advanced amount and the fees will be automatically deducted from your pay and you’ll receive your balance pay as per usual.
  • Flat fee. A single $5 fee will be charged per advance, no matter how large your advance is.

How much does foundU On-Demand Wages cost?

The 2 costs you should consider when using foundU On-Demand Wages. This includes:

  • The amount advanced to you.
  • The flat $5 fee you pay for the advance. This fee doesn’t change no matter the size of the advance and will be charged every time you request for an advance.

foundU claims not to charge interest or any other fees apart from the $5 flat fee. The total amount owed (inclusive of the fee) will be directly deducted from your wages. You’ll receive the balance amount – that is, your remaining wages – as per usual.

Does foundU do a credit check?

foundU claims that using the On-Demand Wages option will not have an impact on your credit score.

What should I be aware of with foundU On-Demand Wages?

  • Your employer needs to provide this option. Unlike some other pay-on-demand options, this option is only available to you if your employer offers it.
  • It may not be a loan but you need to be just as responsible. This is not a loan in a traditional sense, in that you’re borrowing money that’s technically owed to you and you’ve already earned. The On-Demand Wages option may also be fully integrated with your workplace payroll, but you should still use some discretion. Ideally, you should opt for it only in case of emergencies. It’s useful if you’ve run short and there’s an urgent bill or medical expense, but you need to budget for the rest of the month accordingly.
  • Short terms. Unlike a traditional loan, the repayment window is your next payday. The amount will be automatically deducted from your pay whether you like it or not.

Am I eligible to apply for foundU On-Demand Wages?

To be eligible for this service, it should be offered by your employer.

How do I sign up for foundU?

No sign up is required. As long as you get the green light from your employer, you can access your advances through the foundU employee app.

Are there any costs or set-up required on the part of employers?

No additional costs or set-up is required to offer your employees this service.

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