Comparison

DailyPay On vs Extra

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

DailyPay On

Access your earned wages instantly, monitor your credit score, and build savings with automated tools. This app also offers curated deals and cash back on everyday purchases, all while providing 24/7 customer support.

Highlights
  • Instant access to earned pay
  • Real-time earnings tracking
  • Free credit score monitoring
  • Automated savings goals
  • Cash back and exclusive deals
  • DailyPay Visa Prepaid Card
Features
Currently charting
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‘About DailyPay’ Take control of your financial future. DailyPay gives you access to your earned pay, plus tools to save money and monitor your credit, all in one place. ACCESS YOUR EARNED PAY INSTANTLY Get your hard-earned money as soon as your shift ends. You always have a no-fee* instant transfer option available. TRACK YOUR EARNINGS & CREDIT IN REAL-TIME See your earnings in real-time and monitor your credit score for free. GET YOUR DAILYPAY VISA® PREPAID CARD Spend anywhere Visa is accepted with FDIC-insured protection. Keep your card even when you change jobs. BUILD SMART SAVINGS AUTOMATICALLY Set personalized savings goals and get the tools, expert coaching, and resources to reach them. UNLOCK CURATED OFFERS & CASH BACK¶ Get cash back plus exclusive deals on the everyday essentials you need most, like gas, groceries & insurance.​​​​​​​​​​​​​​ TRUSTED WITH 24/7 SUPPORT Count on award-winning customer support backed by industry-standard security, protecting your money and data. —- Download the app for free and get started in minutes. —- IMPORTANT DETAILS FOR ELIGIBILITY DailyPay is a voluntary employer-provided benefit. Please check with your employer if you have questions about your eligibility. DISCLOSURES The DailyPay Visa® Prepaid Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted. ¶Cash Back rewards earned on qualifying purchases will generally be transferred to your Card Account within 49 days after the qualifying purchase is settled. If you close your Card Account, any earned Cash Back rewards not yet transferred to your Card Account will be forfeited. See the DailyPay Cash Back Program Terms & Conditions for full details. *On-Demand Pay requires employer participation in DailyPay. On-Demand Pay fees will be waived for any DailyPay transfers made to a DailyPay Card set up with direct deposit. Instant Transfers may not be available to residents in all states. Your funds are FDIC insured through The Bancorp Bank, N.A.; Member FDIC. DailyPay is not FDIC-insured. Deposit insurance coverage only protects against failure of The Bancorp Bank, N.A.

About

Extra

Build credit history without a traditional credit card. This debit card helps you track spending, earn rewards, and report payments to credit bureaus. Apply quickly with no credit check required.

Highlights
  • Build credit without a credit card
  • Earn reward points on purchases
  • No credit check required for application
  • Track purchases and spending
  • Exclusive app content and giveaways
  • Easy card management
Features
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Your best life starts with better credit. Swipe the Extra Debit Card daily to help track your purchases, build credit*, and earn reward points* on every purchase. • Less than 15 minute to apply ▪ No credit check required ▪ Earn up to 1% back in reward points* ▪ Get the best looking debit card ever ▪ Check out our plans and apply online on our website. HOW IT WORKS ▪ Sign up by connecting your bank account* and get a spending limit based on your bank balance* with no credit check. ▪ When you swipe your Extra Debit Card, we spot you for that purchase and automatically pay ourselves back. ▪ At the end of the month, we total up all of your transactions and report them to credit bureaus as credit-worthy payments. DOWNLOAD THE NEW AND IMPROVED APP You'll unlock: ▪ Exclusive content to help you make sense of credit ▪ Access to the Rewards Store ▪ Giveaways for MacBooks, PS5s, gas cards, and more. ▪ Easy card management ▪ More FOMO-inducing features coming soon BETTER CREDIT CAN HELP YOU ▪ Qualify for an apartment ▪ Buy a home ▪ Get a better interest rate on a car **Pricing and rewards availability will vary depending on plan and term selected. *Impact on your credit score may vary depending on your use. Extra is required to report both on time and late payments, which may negatively impact your credit score. Advertised credit claims are typical results for customers who use Extra as recommended and are based on a study using data from Experian. To learn more, visit extra.app/study. ¹The Aligned Company d/b/a Extra ("Extra") is a technology company, not a bank. The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank N.A. (Member FDIC), pursuant to a license by Mastercard International. Line of credit provided by Lead Bank. This Card can be used everywhere Debit Mastercard is accepted. Rewards points only available with rewards plan. Membership fees apply. Please refer to our Terms of Service and Cardholder Agreement for additional details. ²Increases or specific changes to your credit score are not guaranteed. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau's determination of your credit score either positively or negatively. Credit scores are independently determined by credit bureaus based on a number of factors, including your other financial transactions. Extra reports to Experian® and Equifax®. Extra and related services will not remove negative credit history from your credit report. ³To transact with your Extra Debit Card, you must have an active, Plaid-compatible bank account linked to Extra's services ("Partner Account"). If your Partner Account is disconnected from Extra services for any reason, you will not be able to use your Extra Debit Card. Within 30 days of the date of each transaction made using your Extra Debit Card, Extra will initiate one or more ACH debits to deduct equivalent funds from your Partner Account. These ACH debits typically deduct funds from your Partner Account within 2 to 3 business days after initiation by Extra or 14 days after your transaction depending on repayment program selected. This communication is for informational purposes only and should not be considered financial advice. THIS IS A LOAN SOLICITATION ONLY. THE ALIGNED COMPANY IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

Screenshots

DailyPay On4 screens
Extra4 screens

Verdict

The call

The clearest difference is ads: DailyPay On at none against Extra's shown. DailyPay On also leads on ratings volume (511K vs 9.6K) and chart position (#43 vs unranked). Extra's advantage is review sentiment (63% vs 35%). On price, rating, update cadence and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

DailyPay On holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: DailyPay On has 511K ratings behind it against 9.6K, so its average is the more settled of the two. Written reviews complicate that: 35% of DailyPay On's written reviews are positive against 63% of Extra's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

DailyPay On ships an update every 3 weeks, Extra monthly. The most recent releases landed on October 30, 2026 and October 29, 2026 respectively.

Scorecard5 real differences · 6 level
DailyPay On versus Extra: the parameters behind the verdict, then further details
ParameterDailyPay OnExtra
PriceFreeFree
Rating4.8 (511K ratings) — better4.6 (9.6K ratings)
Positive reviews35.2% of reviews63.4% of reviews — better
Number of ratings511K — better9.6K
Update frequencyEvery 3 weeks — betterMonthly
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank#43 — better—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better16.0
Further details — not scored
Size112 MB90 MB
Age rating4+4+
DeveloperDaily Pay Inc.The Aligned Company

Customer experience

DailyPay On

All ratings507,077 ratings
Positive95.8%
Neutral1.5%
Negative2.7%
Written reviews2,048 reviews
Positive35.2%
Neutral6.3%
Negative58.5%

Extra

All ratings9,490 ratings
Positive91.5%
Neutral1.6%
Negative7.0%
Written reviews161 reviews
Positive63.4%
Neutral3.1%
Negative33.5%

User reviews

DailyPay On

From 511K App Store ratings

What we love

  • 🚀 Convenient access to paycheck
  • 💡 Helpful for emergencies and budgeting
  • 👍 Decent customer service in some cases

Room to improve

  • 🐛 Inconsistent balance updates
  • 💰 Excessive fees for instant transfers
  • 🔒 Concerns about account security and access
  • 🤯 Poor customer service and lack of responsiveness

Extra

From 9.6K App Store ratings

What we love

  • 🚀 Game changer for building credit
  • 👍 Friendly and helpful customer support
  • 💡 Informative financial education videos
  • 🚀 Seamless and convenient credit building
  • 👍 Great for budgeting and money management

Room to improve

  • 🐛 Inconsistent bank account syncing and balance updates
  • 🔒 Concerns about security and fraud protection
  • 🔒 Inability to cancel subscription easily
  • 🔒 Unauthorized changes made to accounts

Bugs and requests

DailyPay On

Reported bugs

3 issues
  • Accounts being deactivated or suspended without explanation
  • Incorrect paycheck amounts and missing funds
  • Difficulties with changing banking information

Requested features

3 requests
  • More transparency on deductions and fees
  • Ability to choose which paycheck to withdraw from
  • Improved communication and issue resolution

Extra

Reported bugs

2 issues
  • Rewards page bugs and issues
  • Inconsistent spend power limits and increases

Requested features

3 requests
  • Reporting to all three major credit bureaus
  • Ability to cash out reward points
  • Faster bank account syncing and balance updates

In-app purchases

None

DailyPay On

No in-app purchases

None

Extra

No in-app purchases

Questions

Is DailyPay On free?
DailyPay On is free to download, with no in-app purchases.
Is Extra free?
Extra is free to download, with no in-app purchases.
Which has better reviews, DailyPay On or Extra?
DailyPay On is rated higher. DailyPay On averages 4.8 out of 5 from 511K ratings, while Extra averages 4.6 from 9.6K ratings.
Do DailyPay On or Extra have ads?
Extra shows ads; DailyPay On does not.
Which is updated more often, DailyPay On or Extra?
DailyPay On ships an update every 3 weeks, and Extra monthly. Most recently, DailyPay On was updated on October 30, 2026 and Extra on October 29, 2026.

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