facebook pixel

Your offer letter.
Your cash.
Your terms.

Is ThriveCash at my school?

How ThriveCash Works


Unlock cash with your
job offer letter.

Send us your internship or full-time job offer letter to unlock up to $25,000 in cash. If your offer is a summer internship, the amount unlocked is 25% of your summer income. If it’s a full-time job, it’s 25% of your first three months’ income.


Offer Letter Format: Most standard offer letters for internships and full-time jobs will have all the information we need. If your offer letter doesn’t quite cover everything, our support team can work with you to fill in the gaps.

Privacy: We only use the offer letter to verify your job and salary, so we can unlock the right amount of cash. Your data is kept private and stored securely, and we never share or sell any of your personal information.

International students: We fully support international students with and without credit histories.


Take your unlocked cash whenever you want.

Your unlocked cash is available for you to take until your job starts. You can take it all at once or in little chunks, and use it for whatever you like – security deposits, moving expenses, trips home, paying off credit cards, anything at all.


App to Account: Your cash will be in your bank account one business day from when you decide to take it.

Credit Score: Since we do a “soft pull” when we check your credit report, which doesn’t show up on credit reports, signing up for ThriveCash and unlocking your cash has no effect on your credit score.


After your job begins, pay back the cash over a few months.

Unlike many banks and lenders, we don’t require you to start making payments right away. While we don’t expect you to start paying before you’ve even gotten a paycheck, you can pay early whenever you want.


Pay Early, Pay Less: You’re welcome to pay earlier without any penalties, charges, or hidden fees for prepayment. In fact, if you pay earlier than scheduled, we refund you the difference.

Late Payments: If you are late on your scheduled payments, we won’t charge you any fees or high-interest penalties. Instead, your cost will increase based on your plan, similar to how we refund you for paying early.

No hidden fees.
No penalties.
No surprises.

Build a plan that fits your needs.

Know exactly what it will cost
before you commit to anything.

And if you find better,
we’ll match it 100%.

What will it cost me?

How much cash?


Take cash

Start repaying

Dec. 31

Dec. 31

How many months to repay?


What Customers Say

“I got my money within a day and their customer service is amazing.”


Columbia Senior

“I graduated in May and wasn’t going to be earning anything until my new job in July. As an international student, I had no access to CC’s or student loans. Then I found ThriveCash. Now, I love my job, and I love my apartment in West Village.”


Columbia MBA

“My internship is paid, but I couldn’t wait to get paid before renting the place. Fortunately, my friend told me about ThriveCash.”


U Rochester Sophomore

“The money helped with security deposits for a new apartment, and I saved the rest for after I graduate. I am very grateful for this service.”


RIT Senior

“Within a day of sending in my summer offer letter I had $5,000 in my account. Made finding somewhere to live in NY a lot less stressful.”


Harvard Law

“Thanks to ThriveCash’s help, I’ve gotten a head-start on putting family debt behind us. The process couldn’t be easier.”


Cornell Senior

“It was so easy just sending my offer letter. It’s awesome to see somebody finally leveraging my future potential for direct investment.”


Columbia Law

“I could not be more satisfied. The process was very quick and seamless.”


Princeton Senior

“ThriveCash is perfect for students. I used Thrive because I know I’m going to have an income this summer, but I wanted to use that money now.”


NYU Junior

Make changes anytime.

The ThriveCash app puts you in control of your plan.

Pay early, pay less.

Make a payment ahead of schedule, and we’ll happily refund you the difference.

Cash when you need it.

Take the cash you need (up to your unlocked amount) in whatever sized chunks you like.

Update your plan.

We understand that life happens, and things change. Make changes to your plan whenever you want to.


Get your money.

Is ThriveCash at my school?