Understanding Your Cash Advance Repayment Date
Once your cash advance is delivered to your linked bank account, your repayment date will automatically be set to your next payday and displayed in the Advance tab of the app.
Linking the Right Bank Account
Make sure your direct deposit account is connected through Plaid. If you link a different account, we may not be able to accurately determine your income or payday, which can affect your repayment schedule.
If needed, we can update your repayment date manually — just contact support after your advance is complete.
If your repayment date needs adjustment due to late deposits, delayed paycheck arrival, or other discrepancies, you can contact customer support for assistance. The team can manually update your repayment schedule to better align with your pay dates.
How Repayment Works
Your repayment date is based on payroll data from your Plaid-linked account.
We’ll attempt to collect repayment automatically on that date.
Please ensure your account has a positive balance to avoid failed payments.
If your payment has failed, we recommend contacting your bank directly for more information. All failed payments are processed according to your bank’s rules and systems — including insufficient funds, account restrictions, or security blocks. These issues are outside of True Finance’s control. Once the issue is resolved with your bank, you can retry the payment or reach out to our support team if you need further assistance.
If a delayed paycheck deposit occurs, such as on a Wednesday evening or early Thursday morning, it may affect your repayment date. Contact support to adjust the repayment schedule accordingly.
Note: Occasionally, Plaid may misidentify your pay date, or repayment dates may be affected by late paycheck deposits, such as Wednesday evening or early Thursday morning. When requesting an advance, you’ll have a chance to review the repayment date. If it’s incorrect, notify us once the advance is complete and we’ll adjust it. Delayed paycheck deposits and errors by third-party services like Plaid are common causes of discrepancies. If third-party services misidentify your pay date, allow the advance transaction to complete and notify support for manual adjustment. Aligning repayment dates with pay schedules is often essential for smoother financial management.
Want to Pay Early or Try a Payment Again?
How to Align Your Repayment Date with Your Payday
To ensure your repayment date matches your payday, follow these steps:
Review the Repayment Date During Advance Requests: Confirm during advance requests that your repayment date aligns.
Contact Customer Support for Assistance: Inform our support team if you find discrepancies and provide issue details for manual updates.
Adjust for Late Deposits: If your deposit is late, such as on a Wednesday evening, notify support to change the repayment plan.
By addressing these points, you can better align repayment dates to your financial schedule, ensuring consistency and minimizing concerns.
You can also choose to "Repay Now" anytime from the Advance tab. Just tap the button and confirm your instant repayment — it's quick and easy.