Paid a bill?
Get money back in minutes.
Turn paid bills into 4 smaller payments. Cash deposited to your bank. No credit check. No interest. Works with electricity, water, internet — any bill.
How It Works
Three steps. That's it.
No paperwork, no waiting, no credit score impact. Just cash when you need it.
Connect your bank
Securely link any US bank account in under 60 seconds. We use 256-bit encryption.
Get covered
Money is deposited directly to your bank. Pay it back in 4 easy bi-weekly installments.
Pick a transaction
Choose any past transaction — utilities, car repairs, medical bills. We've got you covered.
Get covered
Pick a transaction
Easy payments
Interest charged
To sign up
Features
Everything pay later should be.
Other apps only work at checkout. This works on bills you already paid — utilities, car repairs, anything.
Any Expense
Utilities, car payments, medical bills, groceries — if money left your account, it can be split into 4.
Cash Deposited to Your Bank
No store credit, no prepaid cards. Real money deposited directly into your bank account.
No Credit Check
Your credit score is never pulled. Ever. It stays exactly where it is.
4 Easy Payments
Split any past expense into 4 bi-weekly installments. Automatic and stress-free.
Works With Any Bank
Chase, Wells Fargo, BofA, credit unions — connect any US bank account in seconds.
Instant Approval
No waiting around. Get approved in seconds and receive funds directly to your bank.
Trust & Security
Built on trust, not tricks.
We believe financial tools should be transparent. Here's how we protect you.
Bank-Level Security
256-bit AES encryption. Your credentials are never stored on our servers.
No Hidden Fees
Transparent pricing with no hidden charges. No interest. No late fees. No gotchas.
Your Data Is Yours
We never sell your financial data. Delete your account anytime and we remove everything.
Get covered before payday.
Turn any past expense into 4 easy payments. Cash deposited to your bank in minutes.
