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Cash

From early pay to high-yield Savings, it pays to bank through OnePay.

Cash+

Get even more from your OnePay Cash account with extra benefits.

Credit Builder Loan

Build your credit with zero fees, zero interest, and zero stress.

Invest

Step into the stock market with as little as $1.

Crypto

Buy, sell, and track cryptocurrency right in the app.

CashRewards Card

Earn cash back on every purchase with the OnePay CashRewards Card.

Pay Later

The flexible way to pay at Walmart.

Wallet

The digital wallet that offers rewards at Walmart.

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The simple way to stay up-to-date on your credit, for free.

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Free tax filing for customers who bank through OnePay.

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From early pay to high-yield Savings, it pays to bank through OnePay.
Get even more from your OnePay Cash account with extra benefits.
Build your credit with zero fees, zero interest, and zero stress.
Step into the stock market with as little as $1.
Buy, sell, and track cryptocurrency right in the app.
Earn cash back on every purchase with the OnePay CashRewards Card.
The flexible way to pay at Walmart.
The digital wallet that offers rewards at Walmart.
The simple way to stay up-to-date on your credit, for free.
Free tax filing for customers who bank through OnePay.

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NewsroomJen Haas

Jen Haas

Head of Data Analytics @ OnePay

Jen Haas

NewsroomJen Haas

Jen Haas

Head of Data Analytics @ OnePay

Jen Haas

Read Article →

Under the Hood: OnePay’s Next-Best-Action Engine

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OnePay is a financial technology company, not a bank. Loans through OneProgress Services LLC (NMLS ID 2460509) and banking services through OnePay are provided by Coastal Community Bank or Lead Bank, Members FDIC. Approved deposit accounts are FDIC insured up to $250,000 per depositor through pass-through insurance at Coastal Community Bank or Lead Bank, Members FDIC, if certain conditions have been met. FDIC insurance applies to the failure of an FDIC-insured bank, not OnePay. OnePay Debit Card is issued by banking partners Coastal Community Bank or Lead Bank, Members FDIC, pursuant to a license by Mastercard® International Incorporated.

OnePay CashRewards Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard® International Incorporated.

OnePay Later Loans are powered by Klarna and issued by WebBank. Loans are subject to credit approval. May not be available in all states or for all products.

Cash back is earned as OnePay Points, redeemable into a OnePay Cash account or other available options. Only available to customers who unlock OnePay Cash+ with eligible deposits. Spend cap applies to your total spend across the cash back categories you selected during the month. See OnePay Rewards Terms.
Subject to credit approval. Cash back is earned as points on purchases made with your OnePay CashRewards Mastercard, which can be redeemed as a statement credit or as a deposit into a OnePay Cash account. See OnePay Rewards Terms for details.
See rates, fees and other cost information.
Direct deposit required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data.
Must have at least 25 OnePay Points to make a redemption. Points may also be redeemed as a statement credit. See OnePay Rewards Terms.
Use of the Credit Builder Program does not guarantee that your credit score will improve. Credit score improvement is dependent on your specific circumstances and a variety of factors, including your financial behavior. Failure to make monthly minimum payments on time may negatively impact your credit score. Credit Builder is available to OnePay Cash accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. Participation is subject to eligibility. See Licenses, for state disclosures. OnePay is not a credit repair service and does not remove negative credit history from your credit profile. Based on a 12 month loan with $25 monthly payments and a 0% APR. You can choose how much you’d like to pay towards your monthly payment, with a minimum of $1. If you choose an amount less than the full monthly payment, the remainder will be paid from the loan proceeds held in your Credit Builder lockbox.
To receive OnePay Cash+ your OnePay Cash account must have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month.

Investment products are not FDIC Insured, not bank guaranteed and may lose value.

Brokerage Services by One Growth Securities LLC, member FINRA/SIPC. Clearing and custody provided by DriveWealth, LLC.

Opening a OnePay Cash account is required before you can open a OnePay Invest account. The OnePay Cash account, offered by One Finance, Inc. (an affiliate of One Growth Securities LLC), serves as the exclusive funding source for your OnePay Invest account. It is used to fund securities purchases and to receive proceeds from securities sales, dividends, interest, and any other uninvested cash related to your OnePay Invest account.

**Cryptocurrency involves risk, and prices can fluctuate, which may result in the loss of some or all of your investment. Cryptocurrencies are not FDIC insured or SIPC protected. Trading Fees apply; see Customer Agreement for details. Cryptocurrency transaction and custody services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC through an agreement with OneProgress Assets LLC. View additional disclosures here.

For Vermont loan applicants: THIS IS A LOAN SOLICITATION ONLY. ONEPROGRESS SERVICES LLC MAY NOT BE THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH COASTAL COMMUNITY BANK OR LEAD BANK IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT OR OTHER STATE LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

One Finance, Inc., Nationwide Multistate Licensing System ("NMLS") ID 2273210; OneProgress Services LLC, Nationwide Multistate Licensing System ("NMLS") ID 2460509; Certain money transmission services provided by Payment Progress LLC, Nationwide Multistate Licensing System (“NMLS”) ID 2638747 - See disclosures at paymentprogressllc.com

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

App Store® is a registered trademark of Apple Inc. Google Play is a trademark of Google LLC.

© Copyright 2026 One Finance, Inc. All third-party names, logos, and brands are trademarks or registered trademarks of their respective owners. Their use herein does not imply ownership, affiliation, or endorsement.