How can we help?

Cash Flex gives eligible members funds now — up to $100 — that you repay on a set date, one at a time. Before you confirm anything, the app shows you:

• your exact available amount,
• the delivery options and when the money arrives,
• your repayment date.

Eligibility is checked automatically each time you request, and it can change as your bank activity changes — see "Eligibility requirements" below.

Cash Flex availability is decided automatically, based on factors including:

• your bank's history and recent activity,
• a connected bank account that's at least 3 months old.

Not eligible today?

Eligibility moves with your activity, so a no today can change. Each check holds for about a day — the countdown in the app shows when you can check again, and your history keeps building in the meantime.

Your amount

Cash Flex goes up to $100. Your amount is set automatically from your bank's activity, can change over time, and is shown in the app when you request.

You choose the delivery speed when you request:

*At participating banks.

If an instant transfer hasn't arrived within 2 hours, contact us — that’s not normal and we’ll look into it.

Your repayment date is always shown in the app — and so is your next subscription charge date. No charge should ever be a surprise; if one is, contact us.

Repaying early

You can repay anytime before your due date, right from the app.

After you repay

Repayments take 2–3 business days to clear with the bank — if it's been less than that, everything is normal and there's nothing you need to do. Once your repayment has fully cleared, eligibility re-checks and you can request your next Cash Flex.

Repayment-date changes are handled by our team — send us a request:

• Fastest: the support chat in the Panda Pay app.
• Or the form on this page — we'll reply by email.

Include the new date you'd like, and send your request before your current repayment date so we can make the change in time.

Your Panda Pay subscription (the Bank Connection Fee) is a recurring charge that keeps your bank connection and app features active — Cash Flex access, financial insights, and support. The charge date is always shown in the app.

Paying the fee does not guarantee Cash Flex availability — eligibility is checked automatically each time you request.

You can cancel anytime, in the app, in under a minute:

1. Open Account (bottom right)
2. Tap Bank Account
3. Tap Disconnect Bank Account (Unsubscribe) and confirm

That stops future subscription charges. Cancel before your next scheduled charge date (shown in the app) to avoid the next charge.

Reach out — fastest is the support chat in the Panda Pay app; or use the form on this page. Tell us what happened and we'll review it and reply by email.

• A recurring charge is your subscription fee — the date and details are shown in the app under Account.
• A one-time debit on your repayment date is your Cash Flex repayment.

Don't recognize a charge? Contact us and we'll look into it right away.

Most major US banks and credit unions work through Plaid. To check yours, start linking in Account → Bank Account and search for it — some prepaid or peer-to-peer accounts aren't supported. If you can't find your bank in the connection flow, it isn't supported at this time.

For security, connection attempts are limited — if you hit a limit, wait and try again later. Still stuck? Contact us.

We connect through Plaid — we never see or store your bank credentials. All communication is encrypted in transit, and you can disconnect your bank at any time in the app.

Profile details — name, email, phone — are verified information, so they can't be edited directly in the app. Contact us with the correction and we'll take care of it — we may ask you to verify a few details first.

Use "Forgot password" on the sign-in screen first. If your account shows as unavailable or you're still locked out, contact us — account-access issues go to the top of our queue.

In the app: Settings → Delete Account.

Note the difference: canceling your subscription stops charges but keeps your account; deleting your account removes it entirely.

• Fastest — chat in the app: most requests are handled on the spot.
• Not in the app, or can't sign in? Use the form on this page or email us.

We reply by email, typically within 1 business day.