Fees checked against each app’s own terms Not financial advice
Best Cash Advance Appswhat each one really costs

Clair On-Demand Pay: what $100 really costs

In brief

Clair works through payroll partners such as Gusto. Standard advances are free in 1–3 business days; instant costs $4.99, taken out of the advance. Clair’s own help centre calls these short-term loans made by Pathward, repaid from a split of your next direct deposit. On its published terms, $100 delivered instantly and repaid in 14 days costs $4.99, or 137% APR; waiting for the standard transfer costs $0.00.

Fees and terms checked · Not financial advice

Clair On-Demand Pay · instant

$100 advance · repaid in 14 days · instant delivery

Membership none
Instant to your bank or debit card $4.99
Tip $0.00
True cost$4.99
You receive$95.01
137%effective APR

4.99 ÷ 95.01 × (365 ÷ 14) × 100 = 136.9%

Clair On-Demand Pay · if you wait

$100 advance · repaid in 14 days · standard delivery

Membership none
Standard delivery (1–3 business days) $0.00
Tip $0.00
True cost$0.00
0%effective APR

0.00 ÷ 100.00 × (365 ÷ 14) × 100 = 0.0%

Among apps offered through employers, that puts Clair at 5 of 5 by the cost of a $100 instant advance. See the full ranking or change the amount and dates in the calculator.

Every published price

Quoted from Clair’s own pages, checked November 8, 2026. Each line links to where it says so.

ChargePriceFrom Clair’s page
Membership not required There is no fee to sign-up for On-Demand Pay or to receive standard speed advances, which arrive within 1–3 business days.clair-help.zendesk.com
Instant to your bank or debit card $4.99 on $100 If you choose to have your Advance disbursed to your bank account instantly, you will be charged a $4.99 fee. This instant transfer fee will be taken out of your Advance at the time of disbursement.clair-help.zendesk.com
Instant to a Gusto Spending account (Gusto users) $4.50 on $100 If you choose to have your Advance disbursed to your Gusto Spending account instantly, you will be charged a $4.50 fee per advance to your Gusto Spending account at the time of disbursement.clair-gusto.zendesk.com
Standard delivery (1–3 business days) $0.00 When you request a standard advance, the funds will be processed and transferred to your registered bank account within 1-3 business days.clair-help.zendesk.com
Tips not taken Clair does not charge interest or fees for taking an advance. That means the amount you repay is the amount you borrowed, nothing more!clair-support.zendesk.com
Late fee $0.00 Clair will not charge you late fees for an overdue balance! ... Clair will not charge you interest or fees for having an overdue advance.clair-support.zendesk.com

What other amounts cost

Repaid in 14 days, with any membership counted for one month. Small advances cost the most per dollar: a fee that doesn’t shrink with the amount weighs more on $25 than on $200. Blank cells mean Clair doesn’t publish that price.

AdvanceInstantAPRIf you waitAPR
$25.00 $4.99 650% $0.00 0%
$50.00 $4.99 289% $0.00 0%
$100.00 $4.99 137% $0.00 0%
$150.00 $4.99 90% $0.00 0%
$200.00 $4.99 67% $0.00 0%
$300.00 $4.99 44% $0.00 0%
$500.00 $4.99 26% $0.00 0%

Limits, eligibility and repayment

Maximum
$800.00 Out of your total pay period limit, you can advance: Up to $200 per pay period to an external debit card; Up to $800 per pay period to a Gusto Spending account ... Up to $200 per advance with a Gusto Spending account or $100 per advance to an external debit card. $25 minimum. clair-gusto.zendesk.com
To start
As you take more advances and successfully repay them across multiple pay periods, you may also see your limit increase. clair-help.zendesk.com
Who can get it
your employer must have enabled the feature. ... Be over the age of 18 and a US resident; Live in a state in which Clair operates; Be an employee paid via direct deposit; Have an account with a partnered payroll service; Ensure there is at least one direct deposit slot available for your repayment account clair-help.zendesk.com
Credit check
Soft inquiry You authorize Method to obtain a consumer report and information about you from one or more consumer reporting agencies ("credit pull"). You understand the credit pull is a soft inquiry that will not impact your credit score. cdn.getclair.com
Repayment
Each time you take an advance, you agree to update your direct deposit settings so that the amount of the advance is transferred to your new bank account (Clair by Pathward Limited Demand Deposit Account) when you receive your next paycheck. These funds are then automatically debited ... to repay your advance. clair-help.zendesk.com
Interest
Yes, On-Demand Pay advances are short-term loans that allow you to access money between paydays. However, there is no interest, and no late fees—just a $4.99 fee if you would like to get your advance instantly. clair-help.zendesk.com
States
State licences listed for Maverick Payments Inc. d/b/a Clair include: Missouri 'Certificate of Registration Earned Wage Access Company EWA-24-9438', Nevada 'Earned Wage Access Provider License #EWA00017', Wisconsin 'Earned Wage Access Service Provider 1-EWA', plus loan broker, collection and small-loan licences in other states. Eligibility requires that you 'Live in a state in which Clair operates'. getclair.com

Worth knowing

  • Clair runs a soft credit inquiry through a partner, which doesn’t affect your score (Clair’s terms).

Regulatory actions

Our check of official sources (the FTC, the CFPB, the Department of Justice, state attorneys general and regulators) turned up no action about Clair’s advances as of November 8, 2026. If you know of one, please tell us.

Close to Clair on cost

DailyPay On-Demand Pay

$3.99 · 108% APR

Rain Instant Pay

$4.99 · 130% APR

Sources for this page

How costs are calculated, what is left out and how to send a correction: methodology.

Cite this page

Best Cash Advance Apps. "Clair On-Demand Pay: the true cost of a $100 advance." Updated November 8, 2026. https://bestcashadvanceapps.com/apps/clair/