Questions, answered the way the app does

No. Kora Advance is earned wage access (EWA). You receive part of wages you've already earned before payday, and the amount is recovered from your next deposit. There is no compounding interest — only the flat Access Fee you agree to before confirming.

$25, $50, $75, or $100. Which tiers are available depends on your Kora Pulse. You can have one active advance at a time — settle it before requesting another.

Standard delivery uses ACH and arrives in 1–3 business days. Instant uses RTP / FedNow and can arrive in minutes; it carries a higher Access Fee.

A flat fee per advance. It depends on the amount, the delivery speed, and how many days remain until your payday. You see the exact fee and total due on the Review step before you request anything.

The total due is debited automatically from your linked paycheck account on your repayment date. You can also choose Repay now from the app. Keep your paycheck account linked to avoid interruptions.

A 0–100 score that reflects how Kora sees you today. It rises when you link payroll, keep a steady spend pace, and settle earned-pay transfers on time. When you open an advance, some points go on hold; settle on time and they return with a 2× bonus. A higher Pulse unlocks higher advance tiers.

No credit check at signup. To unlock advances you apply for membership, which includes identity verification (live selfie and driver's license) and a review by Kora Underwriting.

Basic is $4.99/mo or $26.99/yr. Premium is $8.99/mo. Membership is billed only after your application is approved. A $1.99 underwriting processing fee may apply regardless of outcome, and Express underwriting is an optional $6.99 charged only on approval.

The mode every new account starts in. It uses sample paycheck data so you can explore Home, Advance, Insights, and budgeting before applying. Once you link your paycheck account, Live Kora shows your real data.

Through Plaid, read-only. Kora uses it to verify your paycheck deposits, power Insights, and determine advance eligibility. Your membership card and your paycheck account are separate — the card is only used for membership billing.

Yes. The whole app is available in English and Spanish.