Step: Borrow & Build Credit

Step is the ultimate money app to help you build credit and borrow money with no interest. With Step EarlyPay, you can get $20 - $250 when you need it most. Trusted by over 6.5 million users, Step puts more money in your pocket and helps you become more financially independent, giving you the freedom to chase your dreams.

Why Step:
GET UP TO $250 WITH STEP EARLYPAY: Don’t wait for payday. Get fast cash when you need it most. No interest. No stress. No direct deposit needed. Access between $20 - $250.1

BUILD CREDIT FOR FREE: The average Step user boosts their credit score by 57 points in their first year.2

EARN OVER $200/MONTH: Get paid to play games, take surveys, and more.

CASHBACK ON EVERY PURCHASE: Get at least 1% cashback on every card purchase and up to 10% at rotating merchants

EARN 4% ON YOUR SAVINGS: Unlock one of the highest savings rates in the country, FDIC-insured up to $1M.

More Reasons to Love Step:
• Free credit building at any age
• Step Visa Card with $500+ in perks and rewards that you don’t have to qualify for3
• Safe and secure with built-in fraud protection with Visa’s Zero Liability Policy
• Merchant blocking features
• No security deposit, no interest, and no hidden fees



*Step is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC.
1Not everyone will qualify. Must be 18 years or older. To be eligible for loans over $100 a minimum qualifying direct deposit to your Step account is required. Offer can go up with on-time payments. Instant Transfers are available for a fee. Instant Transfers typically occur in seconds, but may take up to 30 minutes. Not all users will qualify.
2 Average based on analysis conducted by TransUnion based on 594 Step users aged 21-27 with a positive increase in their credit score within a 360-day period beginning from the first instance of Step reporting to the credit bureau.
3Requires Step Black enrollment, either through qualifying direct deposit or paid monthly membership. Ability to earn $200+ in the form of credits on purchases or statement credits for purchases with select Step Black partners, as will be advertised. Step does not provide, endorse, or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners. Enrollment may be required.