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Cashout recovery and repayment

Cashouts* are loans requested by you, the employee, and serviced by Gusto. They are repaid through your regular, direct deposit paycheck. However, there are a few situations in which a Cashout repayment may not be collected through regular, direct deposit payroll on your loan due date.

When this happens, we’ll attempt to collect your repayment from the next direct deposit paycheck if it falls within 16 days from your original due date.

If a past due loan isn’t repaid within 16 days of the original due date, you’ll be disqualified from Cashout and Gusto will work with you directly to collect the outstanding Cashout balance. We’ll send an email notifying you of a scheduled debit for Gusto to collect the past due amount. You’ll only be debited for your past due Cashout balance - nothing more. If we're unable to collect at that time, we’ll continue to work with you to pay off your balance.

You may also choose to use the online payment portal to pay a past due balance instead. Simply log in to your Gusto account, navigate to the Cashout dashboard, and follow the steps to schedule a payment.

If you have any questions about repayment options, please reach out to for details.

*The Cashout program is issued by Sunrise Banks, N.A., Member FDIC 



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