No, ERLI is not a loan or credit. ERLI is a competitive alternative to traditional financial options. Using ERLI, allows you to advance a portion of your earned salary directly to your salary account.

• User needs to be a U.S. citizen, permanent resident, or an individual with legal authorization to work in the United States; of legal age under the laws of the state of Florida (at least 18 years old).

• User needs to be employed with a payroll income for at least 2 months with a defined frequency paycheck and/or a retiree or veteran with verifiable government-issued income.

We use bank-level security to keep your information private and secured with 256-bit encryption. ERLI is committed to protecting the security and privacy of all information entrusted to us. Our services and internal operating processes and procedures comply with applicable laws and regulations, as well as established industry practices.

1. User downloads ERLIPAY and creates an account. A valid email and cellphone number are required. Also, user needs to accept ERLI’s Terms and Conditions.

2. User will need to connect their main bank account, the account where the user receives their salary. To do so, user will first need to enter its ERLI invitation code provided by its employer.

3. When step 1 and 2 are completed, the ERLIPAY app will show the user’s salary available for advance that has been earned up to that date.

4. User can advance up to $200 USD with a fixed transaction fee of $3.99 USD per each salary advance.

5. User will receive their salary advance within seconds if their bank supports RTP (Real Time Payment), if not, the user will receive their salary advance through an ACH transaction.

6. On payday, ERLI will debit all salary advances done by user during the pay period (including all transaction fees) from user’s linked main bank account. User will receive their salary minus all charges specified before.

ERLI allows you to advance a portion of your salary that has been earned up to that date. Once you log into our app; on the home section, your name will appear, and below the Available Balance, which you can request whenever you most need it.

Whenever you request a salary advance, ERLI will apply a transaction flat fee of $3.99 per each advance. This fee will be deducted from your salary bank account on your upcoming payroll date, along with the advanced amount.

ERLI utilizes its real-time payment system or same-day ACH transfer, depending on your bank provider, to send your salary advance.