Introduction Are you looking for a financial lifeline to help you stay afloat during challenging times? Introducing CashWave by SteadyPay! We understand that unexpected expenses or cash shortages can throw anyone off balance. That's why we've crafted CashWave to provide individuals like you with a much-needed boost without the burden of high interest rates or hidden fees. CashWave offers a straightforward solution: access to £300 for three months, with no interest charged and absolutely no hidden fees lurking in the shadows. Whether it's covering unexpected bills, handling emergencies, or simp ..read more

In the intricate web of financial dynamics, there exists a phenomenon known as the poverty premium, wherein individuals with lower incomes inadvertently end up paying more for essential services than their higher-income counterparts. This disparity extends across various facets of daily life, from energy bills to insurance premiums, perpetuating a cycle of financial strain for those already struggling to make ends meet. Imagine this: in neighbourhoods with limited access to fee-free cash machines, residents often pay additional charges just to access their own funds. This unjust reality dispr ..read more

The freedom to work from anywhere has a certain allure that's hard to resist. As WiFi becomes ubiquitous and remote work more of the norm, the world becomes your office. But let's talk about what often goes unmentioned—the fact that digital nomads struggle with credit access, particularly fairly priced credit, even in a startup-rich financial climate.In this article, recently published in Startups Magazine, our founder, John Downie, discusses the challenges that digital nomads face in accessing credit and financial services. ? A digital nomad works online and can travel anywhere whi ..read more

In the UK, dealing with debt is a reality for many. It’s not just a number on a statement; it’s a shared challenge that hits both our wallets and peace of mind. Facing financial uncertainty is tough, and we get it. That’s why understanding and managing debt is crucial—it's about taking control when things feel shaky. In this guide, we’ll cut through the complexity, offering practical strategies to tackle debt head-on. No frills, just straightforward advice to help you navigate these financial waters. Let’s get started on a path towards stability. Understanding Debt Dynamics In the world of fi ..read more

In modern financial landscapes, payday loans have become a prevalent option for many seeking immediate cash. These short-term, high-interest loans serve as a quick-fix solution for individuals facing urgent financial needs. However, they often ensnare borrowers within a detrimental cycle, perpetuating financial instability rather than offering a viable remedy. The vicious cycle of payday loans typically begins with the initial necessity for immediate funds. Borrowers, often facing emergencies or unexpected expenses, turn to these loans for swift cash without a stringent credit check. Yet, the ..read more

In recent years, the cost of living has soared exponentially, significantly impacting households worldwide. From inflated housing prices to escalating utility bills and the soaring costs of groceries and everyday essentials, individuals and families are grappling with the unrelenting burden of higher expenses. The global economy, plagued by inflationary pressures and economic shifts, has led to this alarming escalation. These rising costs have had an undeniable impact on the financial well-being of individuals, forcing them to stretch their budgets and cut back on essential expenses. Presenti ..read more

This year’s WebSummit was a melting pot of ideas and innovations, with over 70,000 delegates converging to witness the future of tech. Among the standout moments was a speech from our CEO, John Downie of SteadyPay (or JD as he prefers), which we're excited to share with you! Addressing the Cost of Living Crisis JD  began by highlighting the current cost of living crisis, shedding light on the stark reality: "11 million people in the UK and about 37 million in the US living in poverty." The situation is exacerbated by dwindling savings, with "about 30% of people having none. Fintech: A Co ..read more

We at SteadyPay are thrilled to share some exciting insights from our adventures at websummit, starting with a recent article by Capital Finance International (CFI.co), which dives deep into how we're changing the game for gig economy workers. A Chat with Our Own John Downie In an enlightening discussion, our very own John Downie opened up about the heart of our mission: income smoothing. We get it, the gig economy can be a rollercoaster. That's why we're here to level out the highs and lows, ensuring you have a steady income, come rain or shine.John explained, "Our app helps gig workers enjoy ..read more

In an age of gig economy jobs and fluctuating incomes, financial stability has become a luxury many can't afford. Enter SteadyPay ?, a new financial service seeking to redefine how we think about lending.In a recent podcast interview, John Downie, the founder and CEO of SteadyPay, delved into the inner workings of his company and what sets it apart. "SteadyPay is not just another financial service; it's a lifeline for many in the modern working world," said JD. ?️https://vimeo.com/869456881/8acd10197c?share=copy Understanding the Brains Behind the Operation ? Before SteadyPay, John Downie or J ..read more

In the last couple of years and with the pandemic fading, the hospitality industry has been experiencing a severe staffing crisis due to the substantial workforce leaving the UK post-Brexit and hospitality workers demanding more flexibility, fairer pay and better working conditions.With the rising inflation and cost of living heavily impacting people's finances and living standards, we have expanded on our commitment to guaranteeing a minimum living wage and supporting financial stability in the gig economy.It is with absolute pleasure that we announce our new partnership with Slinger in a joi ..read more