SARF
Get cash at 0% interest.
Always.
- Up to $1,500 through 0% loans and earned wage access
- Automatic repayment from your paycheck
- No credit check. No interest. Clear flat assessment fees.
A supported payroll account is required. A flat Financial Assessment fee applies. Eligibility and availability may vary.
Up to $1,500 total access
Earned wages plus a 0% bridge loan, subject to eligibility
Up to $700 as a 0% bridge loan
Covers the gap between your earned wages and the amount you need
No credit score required
Qualification uses verified payroll information, not a credit pull
Automatic payroll-linked repayment
Deducted from your paychecks through your payroll connection
Compare
How Sarf compares
Scroll sideways to see every column
Provider
Type
Rate
Fees
Credit Check
Max Amount
0% Loan + EWA
0% always
$10-$35 assessment fee
None
$1,500
EarnInEWA only
Tips expected
None
None
$150/day
DaveEWA only
Tips expected
$1/month membership
None
$500
SoFiPersonal loan
8-29% APR
None
Required
$100,000
UpstartPersonal loan
7-35% APR
Up to 12%
Required
$50,000
Credit Cards
Revolving credit
20-30% APR
Cash-advance fees
Required
Varies
Financial Assessment: $10 for your first loan. After that, $20 for loans under $700 and $35 for loans of $700 or more.
Why Sarf
Lending should not cost you
more than you borrowed.
EarnIn and Dave provide early wage access, but they do not provide an additional 0% bridge loan. SoFi and Upstart offer personal loans but charge interest. Sarf combines earned wage access with an additional 0% bridge loan, using verified payroll information instead of a credit score.
How it works
From signup to cash in three steps.
Step 01
Connect your payroll
Link your employer through our payroll integration. We verify your income, not your credit score. It takes about 60 seconds.
Step 02
Get up to $1,500 at 0%
Access up to $700 as a 0% bridge loan, plus your earned wages, up to $1,500 in total. No interest and no origination fee. Your assessment fee is shown clearly before you continue.
Step 03
Repay automatically
Your earned-wage access is deducted from your next paycheck. Any bridge loan is divided into three automatic payments beginning with the following paycheck.
What you get
Built for people the system left behind.
Sarf uses verified income and payroll information instead of relying on a traditional credit score.
Earned Wage Access
Money you have already earned
Access money you have already earned before payday. The amount is based on your verified payroll information.
Bank-Level Security
Regulated financial infrastructure
Sarf uses bank-grade security and regulated financial infrastructure to protect your information and funds.
Sarf Card
Funds you can use right away
Approved funds load directly onto your Sarf card so they can be used without waiting for a separate bank transfer.
Payroll-Linked Repayment
Repayment that follows your paychecks
Sarf connects to your payroll provider. Earned-wage access is repaid from your next paycheck, while bridge-loan payments begin with the following paycheck.
No Credit Score Required
Qualification without a credit pull
Sarf does not use a credit pull to determine eligibility. Qualification is based on verified employment, income, and payroll information.
Truly 0%
Truly 0% on every bridge loan
The bridge loan carries 0% interest with no compounding. Sarf charges a separate flat Financial Assessment fee: $10 for the first assessment, $20 afterward, or $35 on later assessments when requesting $700 or more.
Demo
Illustrative consumer experience. Account information and financial figures are for demonstration only.
Stop paying interest to access
the money you need.
- 0% bridge loans plus earned wage access
- Up to $1,500 in total access
- Automatic payroll-linked repayment
- No credit check
Questions? Reach us at contact@sarf.space
Frequently Asked Questions
Everything you need to know about Sarf earned wage access and the additional 0% bridge loan.
Sarf connects to your payroll provider and verifies your employer, income and pay history directly. Because repayment is scheduled against your paychecks through that connection, Sarf does not price the loan with interest. The only stated charge is a flat Sarf Financial Assessment fee, shown to you before you continue.
A flat fee covers the Sarf Financial Assessment. Sarf verifies your employer, income, cash flow, and employment history through your payroll connection. It is separate from the amount you access, and your bridge loan is always 0% interest. Your first assessment is $10. After that it is $20, or $35 on later assessments when you request $700 or more.
Eligible users may access up to $1,500 in total, based on verified income and earned wages. The amount may be entirely earned wage access, or a combination of earned wages and an additional 0% bridge loan. The bridge-loan portion is limited to $700. All amounts remain subject to eligibility and approval.
Your earned-wage access is deducted automatically from your next paycheck. Any bridge loan is divided into three equal payments. The first begins with the paycheck after the one your earned-wage access came out of, and the remaining two follow on the next applicable paychecks.
No. Sarf does not use a credit pull to determine eligibility. Qualification is based on verified employment, income, and payroll information. Eligibility is not guaranteed.
Contact Sarf support as soon as possible. Available repayment options are governed by your agreement and Sarf’s applicable support policies.
Sarf connects to over 1,500 payroll providers, covering the vast majority of employed workers in the US. If yours isn’t supported, you won’t be able to proceed at this time, but we’re expanding coverage regularly.
Approved funds, whether earned wages or an additional 0% bridge loan, load directly onto your Sarf card so they can be used without waiting for a separate bank transfer.