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Congratulations on your Clair sign up! Our mission is to give you more control over your finances, by making it simple to take an advance on the hours you have already worked. Once you have worked shifts you should be able to see the ability to apply for an advance. When you are ready to take your first advance you will see a “Confirm Eligibility” button on your home screen. You will be led through a few short steps to determine your eligibility.   Tap the “Confirm Eligibility” button and you will first be asked for your birthdate and address. This is so we can verify your identity. Next, you will be prompted to link a bank account for repayment and standard ACH disbursement. In order to get On-Demand Pay advances, you must link a valid bank account. The account is linked using a third-party service called Plaid. They are the industry standard for linking accounts safely and securely. Tip for success: Make sure the bank account you are linking is the one you have your paycheck deposit into, as this will increase your chances of being approved. Your bank account must consistently receive your payroll direct deposit with at least one paycheck in the last 30 days Once you have successfully linked a bank account, input your social security number for identity verification. If eligible, you will be able to return to the home page or take your first advance. Any time you wish to take an advance after you have passed the initial eligibility check,follow these steps: Select the amount you want to advance.  Tip for success: You can advance between $50.00 - $200.00 per pay period. Make sure to verify what you have available, if the amount you select is more than you have earned so far, your application will result in a denial. After you review and accept the terms of your advance request, you will get an approval or denial message. If approved, that’s all! Your advance will arrive in your bank account in 1-3 business days. At this point, you will also have the option to upgrade to an instant1 transfer for a $4.50 transfer fee.  Tip for success: If chosen, the instant transfer fee of $4.50 will be taken from the total amount advanced, so if you know you want an instant transfer upgrade before you take your advance you can add an extra $5 on your advance to ensure you are getting the full amount you wanted. FAQ Why does Clair verify my identity with my Social Security Number? To help the Federal Government fight the funding of terrorism and money laundering activities, the USA Patriot Act requires all financial institutions and their third parties to obtain information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.  What if I left the page for instant1 transfer upgrade? Can I still upgrade to an instant1 transfer? Yes! You can upgrade an advance to an instant1 transfer by tapping on the advance from your dashboard and selecting the “Upgrade to Instant” button. Please keep in mind that this is only available while the standard transfer is in the ‘pending’ status. After the transfer is in progress, you will need to wait for the 1-3 business days for the standard deposit to settle in your linked bank account. All Advances are originated by Pathward®, N.A. 1Instant Transfers typically occur in seconds, but may take up to 30 minutes.If you choose to have your Advance disbursed to your bank account instantly, you will be charged a $4.50 fee. This instant transfer fee will be taken out of your Advance at the time of disbursement.

We are so excited to be able to welcome you to Clair! We strive to be the best experience for wage advances for you! In order to create your On-Demand Pay profile there are only a few steps: Make sure you follow the link to your Clair experience within your partnered provider. This can be done by logging into your partnered provider’s experience and clicking the “Get paid early” link. Create your profile by entering your personal identifying information. Once you have finished signing up, you can then start applying for advances. Please keep in mind, to have the best chance at being approved, please confirm you meet these minimum eligibility requirements: You are actively employed with an employer who uses one of our partnered service providers for time clock data. You are 18 years old or older. Your bank account consistently receives direct deposit for your payroll, with at least one paycheck deposited in the last 30 days. Reside and work in the United States and in a State where we do business.  You can check your eligibility here. FAQ Does Clair perform credit checks to determine eligibility? Clair does not perform hard or soft credit checks. Your earned wages are calculated based on the hours you’ve worked, plus a combination of underwriting rules determined by Clair. All wage advances are provided through our partner bank, Pathward®, N.A. We know that credit is something that a lot of us are trying to keep stable as a part of financial wellness, and Clair does not want to affect this. All Advances are originated by Pathward®, N.A.

Knowing how your On-Demand Pay gets repaid is useful knowledge in order to navigate making the best of your experience. The first thing you need to know is Clair does not charge interest or fees for taking an advance. That means the amount you repay is the amount you borrowed, nothing more! We know it’s hard to believe that a company could have your best interest at heart but we truly do. When your paycheck deposits into your linked account or your due date is reached— whichever comes sooner— repayment is processed directly from your linked account. If your paycheck comes a little later than expected, you can always go into your Clair experience and make a manual repayment to bring your overdue balance to $0 so you can start using On-Demand Pay again.  Regardless of whether you choose instant1 transfer or the standard transfer method for your deposit, it is your linked account that will be charged for repayment of what you borrowed.  Tip for success: If you choose instant1 transfer, the $4.50 transfer fee will be taken out of the amount you advanced. The amount you advance will always be the amount you pay back. So if you took $100 in On-Demand Pay with an instant1 transfer upgrade, although $95.50 will be deposited onto your card of choice, $100 is the amount that will be repaid.  If you have taken multiple advances you may see multiple amounts repaid from your linked account. Each advance is an individual loan, so repayment happens for the exact amount of the advances you have taken.  All Advances are originated by Pathward®, N.A. 1Instant Transfers typically occur in seconds, but may take up to 30 minutes.If you choose to have your Advance disbursed to your bank account instantly, you will be charged a $4.50 fee. This instant transfer fee will be taken out of your Advance at the time of disbursement.

Ever wondered how Clair figures the number for the amount you accumulate each day in your On-Demand Pay? Well, the calculation is actually quite simple. Clair partners with your provider in order to get specific data for these calculations. Your daily addition to your On-Demand Pay is calculated as follows: Your pay rate x Your hours worked that day = Your earned wages.  Your earned wages ÷ 50% = The amount added to your On-Demand Pay every worked shift. It’s just that simple. 50% of your earned wages for the day are added to the total you can advance against your next paycheck. There are also minimum and maximum limits on the amount of On-Demand Pay you can borrow. The minimum advance you can take is $50, and the maximum your On-Demand Pay will accrue each pay period is $200.  All Advances are originated by Pathward®, N.A.