Basic
$4.99/mo
or $26.99/yr (about $2.25/mo)
- 1 paycheck account
- Kora Advance
- Pay-cycle insights
- 1 linked account
Fees
Every fee, before you confirm
Membership is billed only after approval. Each advance has one flat Access Fee. There is no interest, no APR, and no time-based finance charge.
Membership plans
Premium
$8.99/mo
Monthly billing only
- 1 paycheck account
- Kora Advance
- Pay-cycle insights
- Up to 3 linked accounts
- Extended insight modules
The card you add during activation is used for membership billing only. Advances are sent to, and repaid from, your linked paycheck account.
Application fees
| Fee | Amount | When it applies |
|---|---|---|
| Underwriting processing | $1.99 | Non-refundable. May apply to your application regardless of outcome. |
| Express underwriting | $6.99 | Optional, one-time. Charged only if approved. About 1 business day instead of 1–3. |
The Access Fee
Each Kora Advance has one flat Access Fee. You see the exact fee, the total due, and your repayment date on the Review step — before you request anything. The fee depends on three things:
01
Amount
$25, $50, $75, or $100 — the tiers available to you depend on your Kora Pulse.
02
Speed
Standard (ACH, 1–3 business days) or Instant (RTP / FedNow, minutes). Instant carries a higher fee.
03
Days to payday
How many days remain until your next verified payroll deposit.
- No compounding interest — only the agreed Access Fee.
- Total due = principal + Access Fee, debited from your linked paycheck account on the repayment date.
- One active advance at a time; settle before requesting another.
- Repaying on time protects your Kora Pulse and future eligibility.
Access Fee amounts are not published here because terms may vary and change over time; they are disclosed in the app at the time of each transaction. See the corporate disclosures.