April 20, 2023
Money Hacks

How to Get Your Paycheck Early

Ways to access your paycheck before payday. 💸

Need a quick spot?

Whether you need help covering your bills until your next paycheck, or your gas tank is crying out, Cleo can spot you up to $250.

No credit checks and no interest.

Eligibility requirements apply.

Looking to get paid early?

Getting your paycheck early is a bit like getting an unexpected gift from the universe.

A very pleasant unexpected gift.

And who doesn’t love that feeling of having a little extra cash in their pocket?

In this blog post, we’ll explore a few ways you can get your paycheck early so you can start enjoying your hard-earned money ASAP. 💅

Via Giphy.

Sell stuff online to get your paycheck early

This may take slightly longer than the other options so it might not mean you get paid today, but if you need cash fast and don’t want to go down the cash advance or payroll advance route (ahem… spoiler alert), you could always try selling stuff you no longer want.

Depop and Poshmark are great places to start if you’re looking to tidy up your closet.

And if you’re looking to sell furniture or appliances, Facebook Marketplace is a good shout. You’re also more likely to sell locally on there.

No shipping fees = no hassle.

Not only will selling your unwanted items help you get your paycheck early, but it’ll also help you declutter your space.

Ask for a payroll advance

One of the easiest ways to get your paycheck early is by politely asking your company for a payroll advance. This is basically where you borrow a portion of your upcoming paycheck, and then repay it with your next check. Not all companies offer this option (rude), but it could be worth asking if you're in a tight spot.

Be sure to make a good case for why you need the money early. Maybe you have an unexpected bill or expense, or maybe you just want a couple of mimosas (totally joking). Whatever your reason, be honest and upfront about it. 💙

However, if you want to get paid today, an instant cash advance may be the answer. If you need an instant cash advance, you’ll need to pay an express fee which ranges depending on the company. It’s $3.99 with Cleo 👀

Cash advance apps

Cash advance apps like Cleo, Earnin or Dave, allow you to access a portion of your paycheck before payday. The app will usually require you to link your bank account and provide proof of employment before you can start using the service.

PSA: Cleo never asks for employment references, she’s the ultimate gig worker cash advance app 💞

With a cash advance app, you can usually access up to a certain percentage of your paycheck, depending on how much you've earned so far. The app will deduct the amount you borrowed from your next paycheck, so you'll need to make sure you have enough money to cover your other expenses.

A few cash advance apps you could try 👀

Gig worker? We got you. 💅

Other cash advance apps may require a specific income, but not Cleo.

Whether you’re in part-time or full-time employment, everyone should be able to apply for a cash advance.

Cleo’s cash advance* is interest free and there’s no credit checks or late fees (but always try to pay back on time). And unlike payday loans and overdraft fees, she won’t affect your credit score.‍

💙 Maximum amount: $250
💙 Fees: $5.99 monthly subscription and no late fees‍ ‍
💙 Repayment: It’s up to you when you want to repay‍
💙 Credit check: No‍ ‍
💙 Interest: Hell no

And if you’re looking for a quick spot to help cover the bills and need to get paid today, you can pay an express fee of $3.99. 💸

Cleo has an App Store rating of 4.6/5 from over 81,000 reviews.


If eligible, you could get a cash advance of up to $200.

You’ll also get access to other handy financial tools, some of which include:

  • Create spend and save goals
  • Opt-in to track your credit score
  • Earn extra points when you save money

💵 Maximum amount: $200 ‍
🏦 Fees: $3.99
✅ Repayment: Your next payday ‍
🔎 Credit check: No ‍
📈 Interest:No

Klover has a Google Play rating of 4.2/5 from over 43,000 reviews.

If you’re looking for more ways to get your paycheck early, here’s How to Get An Instant Cash Advance. 💖

To avoid poor financial habits, it’s best to only choose a cash or payroll advance if you need money urgently and for a good reason.

In an ideal world, you wouldn’t need a cash advance to help you get your paycheck early. If you haven’t already, make a budget and start an emergency pot for those unexpected expenses.

Create a free budget today with Cleo and stay on top of your finances. 💅

Enjoy this post? Give it a share or send it along to a friend. You never know, it could make a big difference.
Big love. Cleo 💙

*Eligibility requirements apply.

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