FrontPay FAQ

It's a U.S. online cash advance service launched in 2024 that provides $15–$100 interest-free advances to users with qualifying direct deposits. The service charges a $14.99 monthly membership fee and operates through its website rather than a mobile app.

The service appears to be real and functional — not a scam. However, several trust signals are weaker than we'd like: it's not BBB accredited, the physical address traces to a mailing center in Utah, and ownership isn't publicly disclosed. Read our full investigation.

$14.99 per month, auto-renewed. No interest, no late fees, no tips on advances. Annual cost: $179.88. See our full fee breakdown.

Minimum $15, maximum $100 per pay cycle. Your actual approved limit depends on your direct deposit history and account standing.

No. The service does not perform a hard or soft credit check. Eligibility is based on your direct deposit history, not your credit score.

Most users receive funds the same day the advance is approved, within hours. Funding speed depends on your bank's processing times.

You must be: (1) a U.S. resident 18 or older, (2) have an active checking account, (3) receive qualifying direct deposits of at least $400/month from an employer or government source, (4) have a valid email and phone number.

No. This is a web-only service accessible through any browser. There is no official iOS or Android app at this time.

Log in to your dashboard, go to Settings → Membership, and click "Cancel Membership." It takes under 2 minutes. See our step-by-step cancellation guide.

The standard policy does not offer prorated refunds. However, if you only recently signed up, it's worth emailing [email protected] to request one. Response time is 24–72 hours.

The company doesn't charge late fees, but your bank may charge NSF (non-sufficient funds) fees if the auto-debit bounces. Contact support to arrange a repayment plan — don't just ignore it.

On-time cash advance payments are not reported to credit bureaus (so it won't help build credit). Default situations may be reported to collections, which could then affect your credit.

The service uses standard bank-level encryption (HTTPS/TLS) and connects via Plaid, the industry-standard bank linking service. Your bank credentials are not stored on their servers directly.

A cash advance app like this one charges no interest or APR — only a flat monthly membership fee. Traditional payday loans charge triple-digit APRs. The product is closer to apps like Dave or Earnin than to a payday lender.

No. The service requires qualifying direct deposits of at least $400/month to a linked checking account. Freelancers, gig workers, or anyone paid by paper check will likely not qualify.

Yes — many. Gerald is $0/month, Dave is $1/month, MoneyLion is $1/month, Cleo is $5.99, Empower is $8. See our full list of 7 alternatives.

Email only: [email protected]. There is no public phone number. Response times are typically 24–48 hours.

The company doesn't publicly disclose state availability. Short-term lending regulations vary by state — check with your state's financial regulator before signing up, especially if you live in NY, CT, VT, or GA.

Yes. The platform may deny applicants who don't meet the $400/month direct deposit requirement, don't have a qualifying checking account, or whose deposit history looks irregular. Denials don't impact your credit.

First, email [email protected] with your cancellation confirmation email as evidence. If they don't refund within 5 business days, dispute the charge with your bank or credit card issuer. See our cancellation guide for more.