Draft pending legal review

Disclosures

Last updated October 9, 2026

About Oyaka

Oyaka Inc. provides financial products through partner programs. Credit products are offered by Oyaka or a partner lender as identified in each product's agreement, subject to applicable state licensing. Products are not available in all states. Licensing details: see the licenses list provided with your agreement or write to legal@oyaka.com.

Pay in 3 for bills

Repaid in three (or four) equal payments every two weeks or monthly, as set by your program. 0% APR. No interest, no late fees. Any program fee is shown before you accept. Approval is not guaranteed.

Oyaka Travel

Repaid in 4, 6 or 12 payments as offered for the trip. The APR, total of payments and payment schedule are shown before you book. Trips above your approved amount aren't available.

AutoFloat

A line of credit secured by your vehicle. The APR, credit limit and repayment term are shown in your offer and agreement. Oyaka is recorded as a lienholder on your vehicle's title until the line is closed and paid in full. Failing to repay could result in loss of the vehicle after the notices required by law. No late fees.

EarlyPay

Access to wages you've already earned, repaid from your next paycheck or by debit on payday. No interest. An optional fee may apply for instant transfers and is shown before you confirm; standard transfers are free. Availability and limits depend on your employer or program.

Rent Reporting

With your permission, we report your rent payments to one or more consumer reporting agencies. Late or missed payments may also be reported where the law and your program allow. You can dispute information we report by contacting support; we investigate within 30 days.

Everyday Bills Rewards

Points have no cash value except as described in the program rules: 100 points equal $1 when redeemed, with a minimum redemption. Points earned on payments that are later returned are removed.

Identity Protect and Privacy Protect

Monitoring services alert you to activity we're able to detect; no service can detect all fraud or remove all data. Removal requests to data brokers depend on each broker's process. You can cancel at any time.

Oyaka Wallet

A stored-value balance held with a bank or licensed money transmitter as described in your program's agreement. Funds you add can be spent, returned to your balance as refunds, or cashed out to a linked bank account. A wallet balance is not a bank deposit and is not FDIC-insured except as, and to the extent, described in your program's agreement. Any fees are shown before they apply.

Cashback and Offers

Cashback and offer rewards are paid into your Oyaka Wallet and have value only as described in the program rules. Rewards on purchases that are later reversed may be removed.

Balance Boost

A promotional reward your program may pay on your wallet balance, shown as an annual rate. It is a promotional benefit, not interest on a deposit, and your program can change or end it as described in its terms.

Goal Pay

Lets you set a savings goal in your wallet that you or others may contribute toward. Contributions are added to your wallet balance and follow the same terms as other wallet funds.

Drops & Raffles

Promotional prize drawings run by your program. No purchase is necessary to enter where required by law; odds depend on the number of entries. Void where prohibited. Full rules are provided with each drop.

SpendNest

A financial-wellness feature that categorizes your transactions, rounds up spare change into savings and highlights recurring charges. It is informational and is not financial advice.

Equal credit opportunity

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Complaints

Contact your program's support or complaints@oyaka.com. We acknowledge complaints within 5 business days and aim to resolve them within 15. You may also contact the Consumer Financial Protection Bureau at consumerfinance.gov or your state financial regulator.