Download the Orange Capy app or visit our application page. Enter your name, email, phone number, state of residence, and employment information. Then connect your bank account for income verification. The process takes under five minutes.
What bank accounts work with Orange Capy?
Orange Capy works with most U.S. checking accounts that receive regular direct deposits. Savings-only accounts, prepaid card accounts, and accounts without regular deposits may not qualify.
How do I update my banking information?
Open the Orange Capy app, go to Settings, and select "Bank Account." Follow the prompts to link a new account. A brief re-verification period may be required after changing banks.
Advances & Limits
Why is my advance limit lower than 50?
New members start with a lower limit that increases over time. Consistent on-time repayment is the fastest way to grow your limit. Read our guide to increasing your limit.
Can I have more than one active advance?
No. Orange Capy allows one active advance at a time. Once your current advance is repaid on payday, you can immediately request a new one.
How long does delivery take?
Standard ACH delivery takes one to two business days. You will receive notifications when the transfer is initiated and when funds arrive in your account.
Repayment
What happens if I cannot repay on time?
Orange Capy does not charge late fees. However, repeated missed repayments may reduce your future advance limits. If you know you will have difficulty repaying, contact Orange Capy support before your repayment date.
Can I repay early?
Advance repayment is automatically scheduled for your next payday. If you would like to repay early, contact Orange Capy support for assistance.
Security & Privacy
Is my data safe with Orange Capy?
Yes. Orange Capy uses 256-bit AES encryption, SOC 2 Type II certified data centers, and strict access controls. We never sell your personal information. Learn more on our Security page.