# Ready Pay > Digital account for direct deposit, early pay, and mortgage eligibility without a credit score. (iPhone/iPad app by Ready Finance Inc.) - Source: https://appshunter.io/ios/app/ready-pay/id1645594849 (this page in markdown: same URL + `.md`) - Developer: [Ready Finance Inc](https://appshunter.io/developer/1643953495) - Category: Finance - Price: Free - Rating: 3.50/5 from 12 App Store ratings · 3 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 86 MB - Languages: English - Released: 2022-12-06 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/ready-pay/id1645594849/reviews.md ## What is Ready Pay? The Ready Pay Mobile App by Ready Life provides a digital account that supports direct deposit, ATM access, ACH, early paycheck and a VisaⓇ debit card. Instead of your credit score, use your Ready Pay account to pay your rent on time to be eligible to apply for a Ready Life mortgage. Ready Life provides a new path to homeownership where you don’t need your credit score to be approved for a mortgage. Ready Life is a black-owned fintech platform, enabling the generation and preservation of wealth for those who aren’t adequately served by the current system. We build impactful products that give all people the power to improve their lives through everyday actions. Our mission is to equip communities with tools to help them advance economically and create generational wealth. We are shifting from a mindset of not just advocacy, but innovation by creating products that will serve all of us. Terms apply. All money transmission services in the Ready Pay app are provided by Figure Payments Corporation. The Ready Pay Visa® Debit Card is issued by Primis Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc., with program management services provided by Figure Payments Corporation. ## Key features - Direct deposit - ATM access - Early paycheck - Visa debit card - Mortgage eligibility - Build credit history ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/ready-pay/id1645594849/reviews.md ### 1/5 — SCAM!! STEALS MONEY *2023-11-09* Yea y’all steal peoples money that’s forrsure. Deposited $65 instantly and no where to be seen just like the review before me. ### 1/5 — Scam! Stole 500$ they say is now missing !! *2023-09-19* So my first experience with this app was a big fail: I deposited 500 dollars onto cashapp and cashed it out to my readyoay card INSTANT TRANSFER and now the money is nowhere to be seen. Support told me it would show up tomorrow which is not instant but then I get an email from support telling me my transactions failed and that I have a zero balance . So where is the money I deposited onto that card ? Attaching screenshots showing where I transferred the money into the account and minutes later cashed it out to readyoay who says now they don’t have kr ! ### 5/5 — Great Program *2023-03-14, version 1.1.0* Using the app for all my expenses builds a credit profile to own a home without a credit score. There is nothing else out there thats free and accessible. ## Frequently asked questions about Ready Pay ### What is Ready Pay? Ready Pay is a digital account that supports direct deposit, ATM access, early paycheck, and a Visa debit card. It aims to provide a new path to homeownership by allowing users to build eligibility for a mortgage through their account activity, rather than relying solely on a credit score. ### How does Ready Pay help with mortgages? By using your Ready Pay account to pay your rent on time, you can become eligible to apply for a Ready Life mortgage. This feature offers a path to homeownership for individuals who may not qualify through traditional credit score requirements. ### Is Ready Pay secure? All money transmission services in the Ready Pay app are provided by Figure Payments Corporation. The Ready Pay Visa Debit Card is issued by Primis Bank (Member FDIC), indicating adherence to standard financial security protocols. ### What devices support Ready Pay? Ready Pay is available on iPhone, iPad, and iPod devices. The app was last updated on December 22, 2023, with version 1.17.0. ### What is the rating for Ready Pay? Ready Pay has a rating of 3.5 stars based on 12 ratings. This suggests a mixed but generally positive user reception. ### Does Ready Pay have ads? The provided data does not specify if Ready Pay contains advertisements. However, its monetization model is listed as 'free', and it does not have in-app purchases. ### When was Ready Pay released? Ready Pay was released on December 6, 2022. The app is developed by Ready Finance Inc. ### What is the age rating for Ready Pay? Ready Pay has an age rating of 4+. This indicates it is suitable for a wide audience, including children. ## Version history (last 5 releases) ### 1.17.0 — 2023-12-22 Minor bug fixes. ### 1.16.0 — 2023-12-21 Updated Messaging and Marketing Content ### 1.15.0 — 2023-12-05 Minor bug fixes and marketing updates. ### 1.14.0 — 2023-11-22 Bug fixes, marketing updates ### 1.13.0 — 2023-11-15 Bug fixes, marketing updates, push notification support ## Apps similar to Ready Pay | App | Rating | Price | Category | | --- | --- | --- | --- | | [Spindie](https://appshunter.io/ios/app/spindie/id6443850490) | 5.0 (1) | Free | Finance | | [Guava - Black Business Banking](https://appshunter.io/ios/app/guava-black-business-banking/id1562052674) | 3.9 (7) | Free | Finance | | [Arival](https://appshunter.io/ios/app/arival/id6443695634) | 4.1 (9) | Free | Finance | | [Orokii app](https://appshunter.io/ios/app/orokii-app/id1608809976) | 5.0 (4) | Free | Finance | | [Waya - Mobile Banking](https://appshunter.io/ios/app/waya-mobile-banking/id6445921373) | 3.5 (11) | Free | Finance | | [Swadesh Money](https://appshunter.io/ios/app/swadesh-money/id1603825767) | 5.0 (5) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*