Flexible pay on the rise as one in five UK workers seek salary advances

New data shows a growing number of employees are turning to salary advances to cover essential living costs, highlighting the strain many households continue to face between pay cycles. A recent survey of nearly 2,000 workers across Europe found that one in five UK employees has requested early access to their wages, most often to manage routine bills or day-to-day essentials.

The findings point to a broader shift in how workers want to be paid. UK employees were the most likely in the study to favour flexible salary options, with almost half expressing interest in receiving their income in staggered instalments across the month. For the majority, the motivation is straightforward: better control over their personal finances.

What workers are using advances for

Among those who asked for an advance, the most common use was to pay household bills, cited by more than half of respondents. A third used the money for everyday necessities such as transport or groceries, while others sought early pay to reduce reliance on credit cards, create a savings buffer, or manage childcare costs. A notable proportion also used advances to contribute to rent or mortgage payments.

Cost-of-living pressures remain high

Despite almost two-thirds of UK workers receiving a pay rise in the past year, many still struggle to bridge the gap between pay days. Over four in ten said they found it difficult to cope with rising costs because they had to wait until the end of the month for their wages. Among those who had previously taken an advance, that figure rose sharply.

The pressures of monthly pay cycles have pushed employees to seek alternative financial support. The survey revealed that more than half have relied on credit cards to get by, while others have borrowed from family or friends, used “buy now, pay later” services, or dipped into their overdrafts.

A growing appetite for flexible pay

The desire for more adaptable pay structures is becoming increasingly clear. Many UK workers said they would prefer bi-weekly or weekly pay, while a smaller but significant proportion want the ability to choose their pay frequency on demand. Additionally, more than six in ten would like the flexibility to decide the exact date they receive their salary.

This rising interest signals a shift in expectations around how pay can support financial wellbeing. As living costs continue to challenge households, the demand for personalised, flexible payment options is set to grow.