Spark your journey. Join the club.

Spark is a financial wellness membership for everyday professionals. Clear terms, quick decisions, and simple tools that support your financial well-being.

Join Spark

Membership made simple

First month free, then $9.99/month. Cancel anytime. Tools designed to help you stay in control of your finances.

Spark Boost

Access up to $250. Start with $50 and unlock higher amounts as you continue your membership.

Spark Score

Track your financial health and see your progress with your Spark Score.

Spark Your Budget

Access guides and tools, to plan, save, and make more confident financial choices.

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How Spark Works

Three simple steps to start your financial wellness journey.

Join Spark

Use Your Spark Boost

Access up to $250. Start with $50 and unlock higher amounts over time as you continue your membership. No hidden fees, just simple support when you need it.

Track your progress

Use your Spark Score and budgeting tools to stay in control of your finances and build confidence over time.

Join Spark

Your life, your Spark

Not just a membership, but a club for moving forward. Access benefits, support and budgeting tools in one place.

Access Spark

Support when you need it

Spark Boost gives you access to up to $250 as part of your Spark membership. Everything is clear and simple, with no hidden fees, and your access can grow over time as you continue engaging with Spark.

Designed to help you stay on track

Your Spark Score helps you understand your financial health, see your progress, and build confidence as you move toward your goals.

Financial wellness tools included

Use Spark Your Budget to make better financial choices with access to guides and tools that help you plan, save, and manage your money more confidently.

FAQ

Got Questions? We’ve Got Answers.

What is Spark?

Spark is a financial wellness membership designed to help you manage your money with more confidence. It includes access to Spark Boost, which provides eligible members with a small amount of program-funded support, your monthly Spark Score, which helps you understand the progress of your financial habits, and Spark Your Budget, a growing library of tools and tips to help you stay financially on track. Membership costs $9.99 per month, billed to your debit card. You can cancel anytime with no hidden fees.

What’s included with my membership?

Your Spark membership gives you:

Spark Boost: eligible members start with a $50 Boost and can unlock up to $250 over time as they show steady income and consistent engagement with the program.
Spark Score: a simple way to see how your financial habits are improving.
Spark Your Budget: access guides and tools to plan, save, and manage your money better.

How fast will I receive my Spark Boost?

You can choose between two delivery options:

Instant Access ($4.99): usually delivered within 30 minutes, depending on your bank.
Standard Access (Free):typically arrives within 1 to 3 business days.

Is Spark the same as Earned Wage Access?

No. Spark is not an Earned Wage Access program. Earned Wage Access advances money you've already earned from your employer. Spark Boost is not connected to your employer, your payroll or your earned wages. Spark is designed to offer short-term support and financial wellness tools while helping you avoid costly overdraft fees. Your monthly membership costs $9.99, less than a typical $35 overdraft charge.

How does Spark Boost billing work?

Spark Boost is part of your Spark membership, and everything is designed to be clear and transparent. Any applicable charges are shown on the confirmation page before you proceed and are processed using your authorized payment method on file. There are no late fees or penalties. If you need help with a scheduled charge or want to manage your Spark Boost activity, you can do so directly from your Spark dashboard or reach out to our support team. Our goal is to keep things flexible and work with you in a way that fits your situation.

Is my information secure?

Yes. Spark uses bank-level encryption and trusted partners like Plaid to securely connect your payroll and bank accounts. As part of our security process, we may verify your identity to help protect against fraud. Your information is always encrypted and never shared without your consent.

Can I cancel my membership anytime?

Yes. You can cancel anytime by emailing info@sparkfinancialclub.com. Once we receive your request, you’ll get a confirmation. You’ll keep your membership benefits until the end of your billing cycle, and there are no cancellation fees.

Does Spark share my Spark Score with others?

No. Your Spark Score is private and secure. It is only visible to you inside your Spark account and is used to support your personal financial journey.

Ready to Spark your journey?

Join thousands of members taking control of their financial future

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¹ Spark is owned and operated by WealthNest Financial LLC.
² Spark is not available in AR, CA, CT, IN, KS, LA, MD, MO, NV, SC, UT, or WI.
³ Spark Boost is a membership benefit, not a traditional loan. No interest is charged. Access timing and optional fees are disclosed before confirmation.