Step: The All-In-One Money App

Step Mobile, Inc

About this app

Step is the ultimate money app to help you build credit and borrow money with no interest when you need it most. With Step EarlyPay, you can get $20 - $250 in minutes. 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 IN MINUTES 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 in just a few minutes.

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

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 3% 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 for
• 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.
1The availability and amount of Step EarlyPay loans are subject to your eligibility and creditworthiness. Minimum Step EarlyPay loan amount is $20, and the maximum amount is $250. 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.

Ratings and reviews

This app didn't work. Paid subscription fee & tried to use utilized the instant pay feature (5.00 fee for that) to find out it wasn't instant to your debit card or bank account and only to their account. Tried to set up bank account but it allows me to pay for subscription and not able to add bank account. Then I receive a account closure email and was only provided a link to a "list" of reasons of closure. Im trying to figure out a way to contact them to get my subscription fee refunded.

Debit card funding is no longer free. You have to "upgrade" to Step Black. So, no emergency funds for the kids without paying extra. Transfers from my bank acct to theirs are still free (& their bank acct won't allow debit card overdrafts) so Step card is now worse than their bank debit card. edit: To clarify for the reply, I did NOT mean savings. I meant my child didn't know Amazon doesn't charge until it ships & a purchase they made shipped while they were traveling leaving them stranded.

Worst app ever! I've been trying to contact customer support for a week and haven't received any response. For some reason, I haven't been verified and can't get verified. I followed everything step by step with no results. Clicking the customer support link is a waste of time because you don't have the option of typing in what you need help with. I can't even close the account. Trying to close the account has a response of and I quote, "Account Uncloseable". Whatever that means.

What’s new

With Step, you can now build credit for free, borrow cash and improve your financial future all in one app that is trusted by over 6.5 million people.