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You may find yourself asking what makes Clair different from other earned wage access companies. Clair is currently the best choice in earned wage access. Armed with our lending servicing license, you won’t need to worry about the changes in legislature affecting the availability of EWA for your clients and their employees. We are focused on providing America’s workforce with the freedom to take control of their finances by providing access to their wages early without charging the user for access to these loans. If the employee opts for instant1 transfer they agree to a $4.99 instant transfer fee, but there is always a free option available as well. We have history and rapport with our current users because they enjoy the convenience of avoiding late fees and having access to earned wages on-demand with a product they can trust. We have even had users who are changing employment contact us about other employers in their area who have access to our services so they can make an informed decision when choosing their new employer. Employers benefit from earned wage access as well. EWA has been proven to help employees who are struggling to make ends meet have fewer funds-flow-related attendance issues. In the current climate, more and more employees are looking for their employer to provide EWA as a benefit, and it can be a selling point in the hiring process. It also gives the employer an option when an employee comes to them requesting financial assistance. FAQ Is Clair available in all 50 states? Although we are actively working to ensure we can operate in all 50 states, we are not currently able to operate in Nevada, Connecticut, New Mexico, South Dakota, Minnesota, Florida, or Massachusetts. We hope to shorten this list soon. All Advances are originated by Pathward®, N.A. 1Instant Transfers typically occur in seconds, but may take up to 30 minutes.

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 x 50% = The amount added to your On-Demand Pay accrual for every worked shift. It’s just that simple. In general, 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. As you take and repay these wage advances, you may become eligible for higher maximum accrual limits. All Advances are originated by Pathward®, N.A.

Your unique advance amount is based on the earned wages reported by your employer’s partnered HR Tech service. Earned wages can be accrued from regular hourly wages or daily salary wages. At this time, our current model does not support commissions, bonus pay, overtime, holiday pay, or additional unscheduled shifts. Based on your accrued wages, you can borrow between $50 and $200* per advance. Your overall maximum accrual limit starts at $200 and may increase based on your repayment history and consistency. To see what is currently available to you, log into your Clair Portal through your partnered HR Tech app. *Some integration partnerships have a $100 per-advance limit. This limit only impacts how much you can take within a single wage advance at a time. 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 $4.99 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 $95.01 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 $4.99 fee. This instant transfer fee will be taken out of your Advance at the time of disbursement.