{"app_store_id":1061399931,"slug":"instant-financial-1061399931","name":"Instant Financial","subtitle":null,"icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/d1/ae/14/d1ae1435-b439-6d1b-f04f-9ee497d9aec9/AppIcon-0-0-1x_U007ephone-0-1-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/instant-financial/id1061399931?uo=4","price":0,"currency":"USD","rating":4.46053,"rating_count":10071,"in_app_purchases":null,"recent_rating":1.2,"recent_review_count":20,"reviews_checked_at":"2026-10-16T12:23:47.662Z","primary_genre":"Finance","version_date":"2026-09-30T14:49:23Z","updated_at":"2026-10-19T05:44:11.700Z","stale":false,"missing_since":null,"one_liner":"Finance app by Instant Financial Inc. on the App Store.","verified_maker":false,"maker_site":null,"file_size_bytes":66150400,"minimum_os":"16.0","content_rating":"12+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource112/v4/93/bf/03/93bf03c0-3f30-6015-0712-708880203df0/26c376ec-c9f8-4011-855b-b03b1ee5a929_Instant_AppStore_Preview_2024_R1_1242x2208_1.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource122/v4/b8/21/84/b82184f0-fb7e-235b-a52b-c330152e3949/926e64c0-4b6b-45ec-b05b-74154fc5695d_Instant_AppStore_Preview_2024_R1_1242x2208_2.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource122/v4/75/82/d5/7582d542-e54b-b7e4-371f-82ca7c6fcf25/f8b38b52-8e2d-4406-a9aa-fb3568f65f30_Instant_AppStore_Preview_2024_R1__1242x2208_3.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource122/v4/62/62/7b/62627b80-ae3a-f803-8205-d9403e671699/682a3c24-a094-44cc-a92a-dfe2c4f8c4bf_Instant_AppStore_Preview_2024_R1_1242x2208_4.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource112/v4/8f/a4/da/8fa4dafe-0a75-cd1e-3cb3-09b9dcce496d/c4731e29-6eb5-4347-8d96-202d05831e03_Instant_AppStore_Preview_2024_R1_1242x2208_5.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource112/v4/1c/e7/73/1ce7733f-497e-b2c3-472a-8d1fe529922b/1d6743b0-94c0-40fe-95a5-a19f746b8295_Instant_AppStore_Preview_2024_R1_1242x2208_6.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource112/v4/4b/6a/14/4b6a14e9-66be-c49a-bc48-3a055bb43935/fa0e0aeb-e57d-4e39-a666-7d8e04ab1d3d_Instant_AppStore_Preview_2024_R1_1242x2208_7.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource122/v4/a1/54/40/a1544083-325d-61e5-d497-4b42c72d07ea/7f78d563-5731-41c1-b07b-83ad396fbe22_Instant_AppStore_Preview_2024_R1_1242x2208_8.jpg/392x696bb.jpg"],"developer_name":"Instant Financial Inc.","editors_choice":null,"url":"https://apptierlist.com/apps/instant-financial-1061399931/","api_url":"https://apptierlist.com/api/v1/apps/instant-financial-1061399931","schema_version":"1.0","generated_at":"2026-10-20T12:26:34.408Z","data_as_of":"2026-10-20T09:18:11.532Z","description":"Your pay, on your schedule.\n\nInstant gives employees at participating employers access to wages they've already earned before payday, plus fast access to tips. No loans, no interest, no waiting for your paycheck.\n\nWHO CAN USE INSTANT\nInstant is offered as a benefit through your employer. If your workplace has partnered with Instant, you'll be invited to enroll. Not sure? Ask your manager or HR team.\n\nACCESS YOUR EARNED WAGES\n- Receive Instant Pay offers for wages you've already earned and accept the ones you want\n- Get your tips on your Instant card within 24 hours of your shift\n- Get a notification whenever money is added to your card\n\nYOUR MONEY, YOUR WAY\n- Shop in store and online anywhere Visa is accepted\n- Withdraw cash at thousands of in-network ATMs with no Instant fee—find the nearest one in the app\n- Transfer to your bank: standard transfers are free; real-time transfers are available for a small fee, shown before you confirm\n- Set up one-time or recurring transfers\n\nSTAY IN CONTROL\n- Check your balance and recent activity in real time\n- Freeze and unfreeze your card instantly if it's lost or stolen\n- Pair a replacement card and update your details in the app\n- Available in English and Spanish\n\nSUPPORT WHEN YOU NEED IT\n- Chat with support in the app\n- Email support@instant.co\n- Call the number on the back of your card\n\nGOOD TO KNOW\n- Instant Pay offers are available for a limited window—accept them before they expire\n- Some merchants (gas stations, hotels, restaurants, rental agencies) place temporary pre-authorization holds that can take several days to release\n- Standard bank transfers typically arrive in 1–2 business days depending on when you submit them\n- Your Instant card can only be loaded with wages, tips, and reimbursements from your employer\n\nIMPORTANT INFORMATION\nThe Instant Financial App allows Instant Financial Prepaid Visa Cardholders and participants in the Instant Pay earned wage access service to manage their payroll card accounts and access earned wages ahead of pay day. There are fees for certain services, please see the Cardholder Agreement and fee schedule for additional information.\n\nThe Prepaid card (or the Instant Payroll Card) is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc. Visa is a registered trademark of Visa, U.S.A. Inc. All other trademarks and services belong to their respective owners.\n\nCardholder Agreement and fee schedule: https://www.instant.co/us-cha/","facts":{"developer_id":1056921603,"developer_url":"https://www.instant.co","first_released":"2015-12-23T17:25:28Z","support_url":null,"privacy_url":null,"website_url":null,"app_version":"2.2.0","release_notes":"Under-the-hood upgrades for better speed, stability, and security. Nothing changes in how you use Instant—just keep the app updated. Questions? Chat with us in the app or email support@instant.co","rating_current_version":4.46053,"rating_count_current_version":10071,"star_counts":null,"genres":["Finance"],"languages":["EN"],"content_advisories":null,"device_families":null,"chart":null},"freshness":{"apple_read_at":"2026-10-19T05:44:11.700Z","catalog_read_at":null,"reviews_checked_at":"2026-10-16T12:23:47.662Z","summary_written_at":null,"placed_at":"2026-10-15T10:37:36.040Z","scored_at":"2026-10-20T09:18:11.532Z"},"editorial":null,"memberships":[{"list":"cash-advances","list_name":"cash advances","list_status":"active","list_url":"https://apptierlist.com/best/cash-advances/","position":35,"tier":"D","score":78,"components":{"rating":80.3,"votes":80,"rank":51.8,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-15T10:37:36.040Z"}],"main_list":"cash-advances","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":119801,"at":"2026-10-16T04:10:51.813Z","kind":"tier_changed","list":"cash-advances","app_store_id":1061399931,"app":"instant-financial-1061399931","from":"C","to":"D","reason":"rank shift: #21, score unchanged at 65.1, tier full (a quarter of the list)","job":"rescore"},{"id":107683,"at":"2026-10-15T15:15:01.036Z","kind":"tier_changed","list":"cash-advances","app_store_id":1061399931,"app":"instant-financial-1061399931","from":"F","to":"C","reason":"rank shift: #15, score unchanged at 65.1","job":"rescore"},{"id":103642,"at":"2026-10-15T10:43:36.045Z","kind":"tier_changed","list":"cash-advances","app_store_id":1061399931,"app":"instant-financial-1061399931","from":null,"to":"F","reason":"score 65.1","job":"rescore"},{"id":103455,"at":"2026-10-15T10:37:36.040Z","kind":"membership_added","list":"cash-advances","app_store_id":1061399931,"app":"instant-financial-1061399931","from":null,"to":"active","reason":"Core job is earned wage access: Instant Pay offers give employees wages they've already earned before payday, marketed as 'your pay on your schedule'.","job":"shadow"},{"id":97268,"at":"2026-10-15T06:59:36.033Z","kind":"app_added","list":null,"app_store_id":1061399931,"app":"instant-financial-1061399931","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"cash-advances","list_name":"cash advances","status":"active","review_status":"checked","position":35,"tier":"D","score":78,"components":{"rating":80.3,"votes":80,"rank":51.8,"recency":100},"ranks":[{"country":"ca","rank":2}],"verdicts":[{"verdict":"keep","reason":"Core job is earned wage access: Instant Pay offers give employees wages they've already earned before payday, marketed as 'your pay on your schedule'.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-15T10:37:36.040Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-15T10:37:36.040Z","attempts":1,"current":true}]}]},"data_version":38884,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/instant-financial-1061399931/"}}