Step

Step is the ultimate money app to help you build credit, grow your savings, borrow money with no interest, and get cash back. Trusted by over 7 million users, Step puts more money in your pocket and helps you become more financially independent, giving you the freedom to chase your dreams. This is money made simple.

Why Step:

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

CASHBACK ON EVERY PURCHASE: Get at least 1% cashback on every card purchase.

EARN 3% ON YOUR SAVINGS: Unlock one of the highest savings rates in the country, FDIC-insured up to $1M. 

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

GET UP TO $500 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 - $500.

More Reasons to Love Step:
• Free credit building at any age
• Step Visa Card accepted everywhere Visa is around the world
• 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.
1. Must be 18 years or older. EarlyPay loan amounts range from $20 to $500. Not all users will qualify for a loan or for the maximum amount, and first-time users are not eligible for the maximum loan. $500 maximum is available only to eligible returning users who meet qualifying direct-deposit requirements and other applicable criteria. Users who qualify through card-spend activity alone are not eligible for the $500 maximum, and direct deposit use does not guarantee eligibility for $500. Eligible loan amounts may change and are not guaranteed to increase.
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 …