Unexpected emergencies, like medical costs or car breakdowns, can be difficult to manage for low-wage workers, who may be living paycheck to paycheck. Saving for an emergency fund may be very difficult.


Employers can provide workers with access to a portion of their earned, but unpaid, wages in advance of payday as a way to give them more control over their earnings, support their ability to pay bills and unexpected expenses, and achieve their financial goals. There are applications that integrate with payroll systems and help with this, such as and