256-bit TLS
Bank-grade encryption
Every connection runs through encrypted partners like Plaid so credentials never live on Panda Pay servers.
Your money, right when you need it.
Get cash up to $300
Panda Pay is the instant cash advance app for up to $300 in minutes. No credit checks, no surprise fees. Use it right away for bills, rent, gas, or groceries.
- No credit checks
0% interest
No late fees—just repay on time to unlock higher limits.
- Typical delivery
5 minutes
Same-day cash sent fast so you can cover what’s urgent.
- No credit checks
0% interest
No late fees—just repay on time to unlock higher limits.
- Typical delivery
5 minutes
Same-day cash sent fast so you can cover what’s urgent.
How it works
Fast. Secure. Always on your side.
- Step 1
Sign up
Takes two minutes—no credit checks, no interest, no late fees. Start and finish in-app with instant ID verification.
- Step 2
Link your bank
Connect securely through partners with 256-bit encryption. You can unlink anytime directly in the app.
- Step 3
Get your advance
Request up to $300 and see the money land in minutes. Funds are ready to spend with clear repayment dates.
- Step 1
Sign up
Takes two minutes—no credit checks, no interest, no late fees. Start and finish in-app with instant ID verification.
- Step 2
Link your bank
Connect securely through partners with 256-bit encryption. You can unlink anytime directly in the app.
- Step 3
Get your advance
Request up to $300 and see the money land in minutes. Funds are ready to spend with clear repayment dates.
Security & privacy
Built like a bank. Moved at your speed.
Panda Pay wraps every transfer in layered encryption, strict privacy controls, and humans who answer fast so you can focus on covering your next cash advance.
No password storage
Just-in-time credentials
Tokens expire the moment you disconnect your bank, and you can unlink access from the app at any time.
Pause or mute
Privacy controls
Disable notifications, pause your account, or wipe data exports with a tap whenever you need breathing room.
7 days a week
Human support
Security specialists answer every day in minutes to help with disputes, resets, or new device verification.