New Hampshire gig workers, freelancers and 1099 contractors can take a Kronos pay advance up to $1,000 at 0% APR with no credit check.
Kronos pay advances are Earned Wage Access (EWA) — you advance against your own deposited balance, not a third-party loan. New Hampshire residents pay no interest on Kronos Pro, no late fees, no mandatory tip. Free tier advances $250; Kronos Pro ($9.99/month) advances $1,000 once you have a verified deposit history. Repaid automatically from your next qualifying deposit. No credit check, no credit reporting, no impact on your Equifax / Experian / TransUnion scores. Underwriting reads gig payouts (Uber, Lyft, DoorDash, Instacart, etc.) directly from a Plaid-linked bank account.
Yes. Kronos pay advance is available to New Hampshire residents 18+ who pass identity verification.
Yes. Kronos enforces an 18+ age gate at signup (validateDOB). This is required for any US fintech offering deposit accounts.
Free tier: $250. Kronos Pro ($9.99/month): $1,000. Cap is the same in every US state where banking is available.
Yes. 2.5% APY for Kronos Pro members nationwide; standard rate for free tier.
Join the waitlist at https://getkronos.io/waitlist. Onboarding takes about three minutes including Plaid identity verification.
USD balances are FDIC-insured via partner banks through Bridge.xyz, up to standard federal limits per partner bank. Crypto is not FDIC-insured at any provider.