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Clair was designed to solve for the life moments where you need someone to have your back. We hear stories every day from people who use Clair to cover an unexpected expense, plan for a vacation, or reach a budgeting goal.  According to Bankrate's 2024 Annual Emergency Savings Report, 34% of workers in the United States say they live paycheck to paycheck, meaning they have little to no money left over for savings after paying their monthly expenses. This figure also does not account for how much of this is caused by overdraft fees and late fees. This is where Clair can help! Here are some examples of ways you can use your On-Demand Pay: Avoid Overdraft Overdraft fees can be incurred in many bank accounts when there are insufficient funds in your account and the bank covers your purchase. One way you can use On-Demand Pay is to add a buffer to your account so that any transactions that may trigger that fee are accommodated for. Having that extra amount of your pay available can prevent those fees from stacking up. Early credit card paydown Taking On-Demand Pay can also allow you to pay credit card usage sooner, saving money on interest charges and freeing up the usage for other transactions. Handling an unexpected expense Whether it’s running out of gas between paydays due to rising prices, a tooth that needs immediate attention, running to the store to grab an ingredient you forgot, or a spontaneous dinner with friends you weren’t expecting; A few clicks within your On-Demand Pay can allow you the freedom to cover these expenses without worry. Savings Planning Whether you’re planning for an upcoming vacation or trying to reach a savings goal, sectioning a portion of your money away for a specific purpose is a great way to practice good budgeting habits.  You can take advantage of On-Demand Pay to get yourself out of a debt cycle, to cover emergency expenses, add to your savings account early, or for just a little pocket money for a night out. The possibilities of how you can make your On-Demand Pay work for you are endless! Life is simple when pay is simple! All Advances are originated by Pathward®, N.A.

To have the best chance at being eligible for On-Demand Pay advances please ensure the following; 1. You work for a Clair-enabled business that uses a partnered HR tech service for clock-in and out tracking. 2. You have linked the debit bank account that your paycheck is deposited into on a recurring weekly, bi-weekly, or semi-monthly frequency. 3. Your linked account is active, in good standing, and has funds in the account beyond your immediate payday. 4. You have accrued enough reported pay since your last paycheck. We cannot guarantee eligibility for On-Demand Pay wage advances. To check your personal eligibility, access the Clair Portal through your partnered HR tech app and begin the Eligibility Check process.  All Advances are originated by Pathward®, N.A.

We are so excited to be able to welcome you to Clair! We strive to be the best experience for wage advances for you! In order to create your On-Demand Pay profile there are only a few steps: Make sure you follow the link to your Clair experience within your partnered provider. This can be done by logging into your partnered provider’s experience and clicking the “Get paid early” link. Create your profile by entering your personal identifying information. Once you have finished signing up, you can then start applying for advances. Please keep in mind, to have the best chance at being approved, please confirm you meet these minimum eligibility requirements: You are actively employed with an employer who uses one of our partnered service providers for time clock data. You are 18 years old or older. Your bank account consistently receives direct deposit for your payroll, with at least one paycheck deposited in the last 30 days. Reside and work in the United States and in a State where we do business.  You can check your eligibility here. FAQ Does Clair perform credit checks to determine eligibility? Clair does not perform hard or soft credit checks. Your earned wages are calculated based on the hours you’ve worked, plus a combination of underwriting rules determined by Clair. All wage advances are provided through our partner bank, Pathward®, N.A. We know that credit is something that a lot of us are trying to keep stable as a part of financial wellness, and Clair does not want to affect this. All Advances are originated by Pathward®, N.A.

Ever wondered how Clair figures the number for the amount you accumulate each day in your On-Demand Pay? Well, the calculation is actually quite simple. Clair partners with your provider in order to get specific data for these calculations. Your daily addition to your On-Demand Pay is calculated as follows: Your pay rate x Your hours worked that day = Your earned wages.  Your earned wages ÷ 50% = The amount added to your On-Demand Pay every worked shift. It’s just that simple. 50% of your earned wages for the day are added to the total you can advance against your next paycheck. There are also minimum and maximum limits on the amount of On-Demand Pay you can borrow. The minimum advance you can take is $50, and the maximum your On-Demand Pay will accrue each pay period is $200.  All Advances are originated by Pathward®, N.A.