Self’s new earned wage access offering enables fast access to cash advances, bridging cash flow gaps with real-time disbursements powered by Ingo Payments
Ingo Payments, a leading provider of embedded banking and money mobility solutions, today announced a partnership with Self Financial, a company helping consumers build credit and financial foundations. Ingo is providing its embedded banking services to support the operations of Self’s recently launched earned wage access (EWA) product, Self Cash. Now available in 26 states through the Self app, Self Cash enables eligible users to get short-term cash advances with no interest, no credit check, and no late fees. For many Self users, fast access to cash can help avoid overdraft fees, cover emergency expenses, or simply ease financial stress.
By integrating Ingo’s instant disbursement capabilities, Self can deliver cash advances in real time via push-to-debit, providing an option to bypass the delays often associated with traditional automated clearing house (ACH) or paper check payouts. What can take several days can now happen in minutes, offering speed and flexibility when it matters most.
This kind of access isn’t just convenient—it’s critical. According to PYMNTS Intelligence, 67% of consumers live paycheck-to-paycheck, the highest rate since 2020.
“Self Cash expands access to short-term cash in moments when people need it most. With Ingo, Self is able to deliver that access in real time, while also connecting users with tools that support credit building and financial foundations,” said Chris LaConte, Chief Strategy Officer at Self Financial.
“Ingo helps clients deliver modern financial solutions that move money in ways that are fast, secure, and compliant,” said Drew Edwards, CEO of Ingo Payments. “Our partnership with Self Financial brings that commitment to life, eliminating delays and making funds available exactly when they’re needed.”
About Ingo Payments
Ingo Payments empowers banks, fintechs, and enterprises to deliver modern financial experiences through its full-service embedded banking platform. Ingo’s bank-grade modern money stack, built with embedded compliance and risk management, enables seamless account funding, transfers, mobile deposits, payouts, digital wallets, account and card issuing, PFM, and rewards solutions across a wide range of industries and use cases. With a vertically integrated platform, Ingo helps clients minimize third-party risk, reduce operational complexity, and lower costs—all while accelerating go-to-market timelines. Learn more at ingopayments.com.
About Self Financial
Self Financial is a pioneering credit building company dedicated to helping people establish credit and a financial foundation. For over a decade, Self has empowered more than 4 million individuals with limited or no credit history with accessible tools to support their finances. Self is the Official Credit Building App of the San Antonio Spurs. Find it at Self.inc, on the Apple App Store (280,000+ reviews and an average 4.9 rating) and on Google Play. Learn more at www.self.inc.
