Patch Systems vs Accelerated

Patch Systems is for people who work at businesses that use Patch Systems. Your employer turns it on, and it costs you nothing to have. Reach pay you have already earned You worked the hours. You should not have to wait until Friday to reach the money. Take what you have earned so far this pay period, up to half of it, whenever you need it. Standard transfers cost nothing. Instant transfers cost $3.99. No interest, no credit check, and nothing comes out of your next check beyond what you took. Every shift adds to it. Work an hour and a little more is ready. A loan that is not a payday loan Between 1,000 and 5,000 dollars at 19.99 percent fixed APR, paid back over twelve months straight out of your check. No credit check. You need twelve months with your employer to qualify, and it is not available in every state. The Patch Card A payroll Mastercard that holds your pay and your transfers in one place. No monthly fees and no minimum balance. Use it anywhere Debit Mastercard is accepted, or activate a virtual card for buying online. One app Your earned pay, your loan and your card in the same place. Set up direct deposit, see what you have earned this period, and move money without asking anyone. ---- Rates, terms, fees and availability vary by state, by employer and by your own qualifications. Workplace loans are originated by Sunrise Banks, N.A., Member FDIC, and are not available in all states. The Patch Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to a license by Mastercard International Incorporated.

Bills rarely send a warning before they arrive. A car repair, a medical copay, a utility bill that climbed higher than expected - Accelerated helps you cover the gap with a short-term cash advance from a network of lenders, without the runaround of a traditional bank application. How Accelerated works Accelerated is not a lender and does not make credit decisions. We connect your request with lenders in our network so you can review an offer that fits your situation. Submit one request, review the terms a lender presents, and decide whether to move forward - there is no obligation to accept. Loan amounts and terms Loan amounts start from $250 and go up to $500 for first-time requests, with larger amounts available to returning borrowers up to $3,500. Repayment terms range from 2 to 24 months. The annual percentage rate (APR) on a cash advance through Accelerated ranges from 5.99% to 35.99%. Not all applicants will qualify for the lowest rate or the largest amount; offers depend on the lender's review of your information. Representative example A $250 cash advance with a 35.99% APR repaid over 3 months would result in roughly 3 monthly payments of about $88, for a total repayment of approximately $265. Actual offers vary based on the lender, your details, and state law. What you can expect - One request reaches multiple lenders, so you compare without repeating forms. - Clear terms before you agree: amount, APR, due dates, and any fees are shown up front by the lender. - No obligation to accept any offer you receive. - Funds sent directly to your bank account when a lender approves and you accept. Who can apply To request a cash advance through Accelerated, you must be at least 18 years old (19 in Alabama and Nebraska, 21 in Mississippi), a resident of the United States, with a regular source of income, an active checking account, and a valid email and phone number. Meeting these requirements does not guarantee approval or specific terms. Important disclosures Accelerated is not a lender, loan broker, or agent of any lender. We do not control the lending decisions, loan terms, or APRs offered by lenders in the network. Rates and terms vary by lender, applicant, and state, and some states may not be eligible. Cash advances are intended for short-term financial needs and are not a long-term financial solution. Submitting a request is not an application for credit and does not guarantee that you will receive an offer. Late or missed payments may result in additional fees and may affect your credit standing. Review the full terms of any offer before accepting. This service is not available in all states. Residents of some states may not be eligible.