HAVN brings working people and the local businesses that support them onto one network — real savings, everyday benefits, and a financial hub that has your back.
HAVN connects to your employer's payroll to verify you belong — everything else, you use every day.
Get set up with HAVN in minutes and connect your employer's payroll to unlock membership across the whole network.
Your card earns real savings automatically at major stores and local independents alike — this is what most members use daily.
No fee. No interest. Drawn against wages you've already earned, repaid automatically on payday.
Savings apply automatically at the register — no vouchers, no codes, no separate app to open.
Automatic member savings at major chains and local independents.
Member benefits at independent cafés, local eateries, and national chains.
Exclusive access to deals across fashion, homewares, health, and everyday retail.
Gyms, trades, services, and community providers — HAVN keeps spending local.
This isn't a product for people in crisis. It's for everyone who works.
The person HAVN is built for might have a job title they're proud of, a car they've worked hard for, plans for the weekend. They're a nurse coming off a double shift. A manager who still checks their balance before booking a table. A professional whose salary looks fine on paper and somehow still runs short a few days before the next one lands.
You can't out-raise this problem. Wages and prices rise together, so a raise gets absorbed before anyone feels it. The only lever left that actually works is what goes out, not what comes in. When workers thrive, local business thrives too.
Merchants don't just hand out discounts — they get a paid-up customer base in return. That's what keeps the network growing on every side.
Every HAVN member is a working, paid-up customer merchants couldn't easily reach on their own.
Merchants and employers broadcast offers — free, unlimited — to fill quiet shifts and slow periods.
Stronger discounts make HAVN more valuable to join, growing the member base further.
The loop feeds itself: more members → more merchant demand → better discounts → more members.
Your everyday savings, and support when you need it.
A raise that can't get eaten by rising prices.
Reach a built-in, paid-up customer base.
HAVN is not a loan. Every draw is verified, non-recourse, and monitored end to end.
Questions before you sign up? We read every message.
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