Instant boosts
Same-day cash boosts designed to ease crunch moments without credit checks or interest.
About Panda Pay
Instant cash boosts with no credit checks
Panda Pay is an instant cash advance app offering same-day boosts up to $300 with 0% interest and no credit checks. We built it to replace overdraft stress with fast, fee-transparent cash when life can't wait.
Why we built Panda Pay
Paycheck gaps and overdraft fees make tough days tougher. We started Panda Pay to offer a fast, transparent instant cash advance with predictable repayment and no debt traps—always fee-transparent and never credit-check dependent.
How it works
Request up to $300, get a decision in minutes, and receive funds typically in under five minutes (timing may vary by bank). Choose a repayment date that fits your paycheck and track the entire flow in-app.
How we help you
Transparent pricing
0% interest, no late fees, and repayment dates you choose—our model stays predictable and clear.
You're in control
Track, pause, or unlink anytime. Your account stays fully in your control at every step.
Safety and trust
Bank-grade encryption, no stored credentials, unlink anytime. Security built-in, not bolted-on.
Real humans, fast replies
Support specialists respond in minutes, 7 days a week, to help with boosts, bank connections, or device verification. Email support@pandapay.money anytime—if you're stuck, a real human gets you unstuck fast.
Who can use Panda Pay
Panda Pay is for iOS users who need a same‑day cash advance of up to $300. There are no credit checks, 0% interest, and no late fees. Your repayment dates are always visible in the app so you know what’s coming. You can pause or unlink your account anytime.