MoneyPal LLC operates the MoneyPal consumer application from Miami, Florida. This page summarizes licensing, regulatory framing, key service providers, and how to reach us with questions or complaints.
Corporate entity
MoneyPal LLC operates the MoneyPal consumer application. Principal place of business: Miami, Florida. Consumer website: moneypalcash.com.
MoneyPal is not a bank
MoneyPal is not a bank and does not hold consumer deposits. Banking services and read-only account connections are provided through Plaid Inc. and your existing financial institution. Money movement for membership billing and advances uses authorized payment and transfer partners.
MoneyPal Advance — product disclosure
- Product type: Earned wage access (EWA) for eligible members — not interest-bearing credit or a revolving loan.
- Limits: Up to 40% of estimated net pay per cycle; max $400 per advance; one advance per pay period.
- Fees: Flat delivery/service fees disclosed before confirmation; no interest, no late fees, optional tips never required.
- Repayment: ACH debit from your designated Repayment Account when a qualifying payroll deposit is detected.
Full terms: Advance Terms.
State availability (Advance)
As of April 2026, MoneyPal Advance is offered only in states where legal review supports the current program, including:
Florida, Texas, Illinois, Arizona, Georgia, North Carolina, Arkansas, Louisiana, Tennessee, Alabama, Idaho, Montana, and Virginia — subject to change. Advance is not offered in all jurisdictions (including California and New York) until required licensing or registration is complete.
Membership, budgeting, and Intelligence features may be available more broadly; Advance is geo-fenced in-app.
Third-party service providers
MoneyPal uses industry partners that maintain their own terms and privacy policies, including:
- Plaid Inc. — bank account linking and transaction data (read-only where applicable)
- Authorize.Net — tokenized membership and payment processing
- Identity verification vendors (e.g., Persona, Stripe Identity) — KYC and fraud signals
- AWS / cloud infrastructure — hosting and security services
- Transfer partners — disbursement and ACH repayment rails (as disclosed in-app)
Regulatory framing
MoneyPal Advance is structured as earned wage access, not traditional credit. MoneyPal does not use FICO-style bureau scores for Advance eligibility in its current design. Consumer protections under the Electronic Fund Transfer Act, Regulation E, state consumer-finance laws, and applicable privacy laws apply as described in our legal documents.
Open-source software
MoneyPal’s mobile and web products may include open-source components. License texts and attributions for bundled dependencies are maintained in our engineering repository and provided upon request to support@moneypalcash.com.
Complaints
Contact support@moneypalcash.com. We respond to consumer inquiries in accordance with our internal complaint-handling procedures and applicable law.