Climb out of the cash advance cycle.

Rung covers you when you're short, then fixes why you're short. We line your bills up with your paydays, cut what you overpay, and get you to a point where you need half as many advances.

Get your free Checkup See how it works

$1 a day everything included · free Checkup · no tips

Tasha's month

Paid every two weeks · example member

Days below $0

Lowest balance

Car payment

$420

Rent and the car payment land before payday, so the account runs dry and she reaches for an advance.

The problem

Most people who take a cash advance take one almost every payday.

advances a year for the average user, about one per paycheck

$106

average advance, about $3,000 borrowed per user per year

2→4

advances a month: use doubles in the year after a first advance

53%

of users borrow from more than one app at once

Sources: CFPB Data Spotlight (2022 data); Center for Responsible Lending, 2025, via Fintech Business Weekly.

How it works

A safety net and a repair crew.

Other apps lend you the gap. Rung closes it. Our goal for every member: half as many advances within six months.

Step 1

Connect

Link your bank, cards, loans and bills. A soft credit check never hurts your score.

Step 2

Free Checkup

We map 12 months of your money and show what you could save, in dollars, before you pay anything.

Step 3

Fix

AI and real coaches move due dates, lower bills and find a cheaper car loan, with your OK on every change.

Step 4

Safety net

Fee-free instant advances while the fixes kick in. No tips, no per-advance fees.

Step 5

Grow

Once you're steady, build a cushion, invest, and save for your kids.

Due dates

We ask lenders, landlords and utilities to move due dates to just after payday.

Fewer short days

Bills

We negotiate phone, internet and cable bills down.

~$105 saved per bill

Car loan

We match you with refinance offers from licensed lending partners and check the total cost, not just the payment.

$83–$165 a month

Subscriptions

We flag what you don't use and cancel it when you say so.

Varies

Insurance and rent

We compare policies through licensed partners and show when moving would actually pay off.

Varies

Bill savings: Rocket Money's reported average. Car loan range: Experian market average (Q2 2026) to Caribou customer average (Q3 2026). Your results will vary.

Pricing

One price. Everything included.

$1 a day

Billed about $30 a month, on payday

Instant advances with no per-advance fees, tips or transfer fees
Due-date alignment, bill negotiation and subscription cleanup
Car loan refinance matching, insurance and rent review
Credit monitoring, a cash cushion and a monthly money review
Grow, once you qualify

Savings guarantee. If what we save you in your first 90 days adds up to less than $365 a year, we refund the difference.

Free CheckupSee your savings before you join.

Free advancesStandard delivery, no membership needed.

What a year costs, US dollars

Brigit Plus

$108

Albert + instant fees

$324

Dave, frequent user

$326

Rung

$365

Heavy multi-app user

$421

Other apps charge you to borrow. Rung charges you to stop needing to. For most members, what we save is worth more than the membership.

Estimates from published pricing (2026). Dave: $3/month plus 5% on 27 advances of $215. Albert: $14.99/month plus about $6 per instant advance, 24 a year. Heavy user: CRL 2025, app and overdraft fees.

What it adds up to

Tasha keeps about $1,500 to $2,500 more in her first year.

And she goes from about 27 advances a year to about 14. Even without a car loan to refinance, a member like her still comes out roughly $490 ahead.

Year one	Tasha
Car loan refinance	$996–$1,980
Two bills negotiated	$210
Late and overdraft fees avoided	$140
Subscriptions cancelled	$180
Fees no longer paid to other apps	$326
Rung membership	−$365
Kept in her pocket	$1,487–$2,471

Tasha is an example member, not a real customer. Figures are illustrative estimates; your results will vary.

Grow

When you stop borrowing, start building.

Grow opens once you've gone 90 days without an advance and have a month of bills saved. Accounts are held by a registered investing partner.

Invest the extra

On payday we set aside what's left after your bills and cushion, and invest part of it. If a short week is coming, it pauses on its own.

Start a Roth IRA

Short lessons and a guided setup. You can put in up to $7,500 for 2026, or $8,600 if you're 50 or older.

Save for your kids

We help you open a Trump Account, which gives children born 2025 to 2028 a $1,000 Treasury deposit, or a 529 college plan.

Sources: IRS 2026 limits; Trump Accounts launch. Investing involves risk, including loss of principal.

For investors and partners

Eight years in lending. Now building the way out.

Joseph Kroen

Founder

Joseph has spent 8 years in the lending industry, working with more than 5,000 business owners and helping facilitate over $1 billion in business loans. Rung is his next chapter: a product built to break the cash advance cycle for working Americans, not profit from it.

years in lending

5,000+

business owners served

$1B+

in loans facilitated

Mission statement

To help ordinary, hardworking Americans break free of the debt cycle and build lasting financial freedom.

Too many working people pay to borrow their own paycheck, again and again. Rung exists to cover the gap when money runs short, fix the reasons it runs short, and leave every member better off than when they joined.

Investor inquiries

Rung is now welcoming conversations with investors who share this mission. Leave your details and Joseph will follow up personally.

Waitlist

Be first in line for your free Checkup.

Rung is launching in a few states first. Tell us where you live and we'll let you know when it's ready.