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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.

We do our best to make sure that you are not borrowing more than you can pay back, however, sometimes this can happen when you have been out of work for an injury or your account has been affected by other bills. Don’t worry! Clair will not charge you late fees for an overdue balance! Your ability to take an advance will be put on hold until your overdue balance has been repaid. You can repay this by entering your Clair experience and initiating a manual repayment. Once your advance has been repaid, you will be able to apply for another advance again! Clair will not charge you interest or fees for having an overdue advance.  All Advances are originated by Pathward®, N.A.