Cash advance
Konduit looks at the income already landing in your account and advances you part of it early. No interest, no credit check, and no late fees, ever.
What we hear
Bills do not wait for your pay cycle. These are the three things members tell us before they sign up.
How it works
We do not pull your credit. We look at the paychecks already arriving in your account and advance against them.
Pick your bank and sign in through our encrypted connection. Konduit gets read-only access. We can see your deposits, we can never move your money around.
We check how regularly you get paid, how much, and what your balance normally does between paychecks. It takes about a minute and it never touches your credit score.
Take what you need up to your limit. Standard delivery is free in 1 to 3 days, or get it in minutes for a small express fee. It repays itself on your next payday.
Why Konduit
You pay back exactly what you took. If payday moves, tell us and we move the date. There is no penalty for that.
Free standard transfer lands in 1 to 3 business days. Express sends it to your debit card in minutes for $2.99.
The connection is encrypted and read-only. We see deposits to size your advance. We cannot move money or change anything.
Membership
Takes about two minutes. Checking your eligibility will not affect your credit score.
Use the email and password on your Konduit account.
New to Konduit? Create an account
Pick an amount to start. Your final limit depends on the income we see in your account.
No interest on any amount. You pay back exactly what you take.
We'll send a confirmation email to this address. No spam, ever.
Choose the account your paycheck lands in. We use it to see your deposits and to send your advance.
Use the name on your driver's license or government-issued ID.
Be accurate, as this helps verify your identity. You need to be at least 18 to open an account.
Disclosures | Privacy Policy | Security | Terms and Conditions
We use this to confirm it's you and to send payday reminders.
By entering your phone number, you give Konduit consent to text you regarding the products and services you are inquiring about or utilizing and accept Konduit's Disclosures. Message and data rates apply.
Street address, no PO boxes.
US regulations require us to confirm your identity. We only need the last four digits, and this is not a credit check.
US Federal regulations require us to confirm your identity. This will NOT impact your credit. Your information is transmitted securely.
This is the account we read your deposits from and send your advance to. You can find both numbers at the bottom of a check or in your banking app.
We'll send a 6-digit PIN to confirm it's really you before we review your limit.
We sent a 6-digit PIN to you. It expires in 10 minutes.
Resend PIN or change how we send it
We're checking the deposits in your account. This usually takes under a minute.