How it works

We give you credit for working hard

1. Get started by connecting your bank account

This is how we begin your personal financial assessment and how we’ll ultimately transfer funds into your account. We have bank-approved data integration with all major banks (Chase, Citi, Bank of America, Wells Fargo and others) and use bank-level security to protect your information. We do not use your data for anything other than approving your cash advance.

2. Request your cash advance

Whether you need help paying bills or simply need to make a large purchase, you tell us the amount you need and we’ll do our best to make it happen (up to $3,000 in credit at a time).

3. Get approved

Once you’ve requested your cash advance, we’ll process your banking information to determine the optimal advance for you. If applicable, we can take into account multiple streams of income if you’re a freelance or self-employed worker (Uber, Lyft and TaskRabbit workers welcome!).

4. Review and accept our offer and terms

Depending on your personal financial assessment, we’ll offer you a payback plan in the form of a weekly percentage of your earnings (typically between 5 - 10%). For example, if you request $1,000, your total payback will be $1,100, making your payback percentage just 10% of your original advance amount (no interest, no hidden or late fees). We strive to make our terms crystal clear and will never charge you beyond our original agreement.

5. Receive your advance

Once you’ve accepted our offer and terms, your advance will become active. You can expect your advance to appear in your bank account within a few days and based on your payback plan, we’ll begin drawing the previously agreed upon percentage from any future income sources.

6. Aquifer is here when you need us

Once your advance is fully paid back, you’ll become eligible for a new advance. As you build your history with us, your terms will automatically adjust in the form of lower and more flexible payback plans.

Have questions?

We’re here to help! Feel free to reach out by sending us a note at

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