Saving spare money may not be a habit you have long cultivated. But if you get to enjoy a platform that directly invests your saved funds and brings you returns, there’s the likelihood that you’ll want to save money again and again.

Interestingly, this is what PayDay Investor does.

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Developed by ARM Group, PayDay Investor is an investment platform in form of an app that helps you accomplish savings targets.

Beyond helping you to reach your savings goals, PayDay Investor avails you the opportunity of generating returns from your savings. This is to say that on one hand, the app lets you save ahead of a goal (such as vacation, school fee payment, etc.) and on the other hand, it guarantees some beneficial investment for your savings.

While this post comprehensively reviews PayDay Investor, rest assured that it will help you find out everything you may want to know about the investment platform.

How Does PayDay Investor Work?

PayDay Investor Apk Download latest android version 3.0.35- com.payday.arm

PayDay Investor works in such a way that permits you to save money towards a set goal. Basically, the investment platform operates through an app which you can easily link to your debit card. On one hand, this app lets you keep an eye on your investments and on the other hand, it automatically deducts funds from your bank account.

Notably, the app will make continuous deductions from the account depending on your scheduled period. While the period could be daily, weekly or monthly (just as stipulated by you), PayDay Investor comfortably allows you to save towards a goal you aim to accomplish in a specific future time.

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Not only does the PayDay Investor app make regular deductions from your account (for savings purpose), it also helps you invest the deducted money. Prettily, the app invests your savings in a profitable mutual fund whose quarterly returns exceed those of a normal savings account.

Is PayDay Investor Really Legit?

It’s very likely that you want to know if PayDay Investor is a legit investment platform. Frankly, it’s very normal to question the legit status of PayDay Investor as there are dozens of fraudulent investment schemes across the Internet.

Fortunately however, PayDay Investor is far from any of the deceptive investment platforms you may have come across. According to reports, PayDay Investor is a brainchild of the ARM group which is an operative company established in 2004. With findings having shown that ARM is regulated by SEC (Security and Exchange Commission), anybody investing in PayDay Investor should rest assured that their investment is safe.

PayDay Investor Mobile App –How to Get Started with It

PayDay Investor - Apps on Google Play

The PayDay Investor mobile app is an excellent tool not only for investment purposes but also for accessing PayDay Investor offerings. Prettily, the app can be downloaded from App Store and Google Play.

Having downloaded the app, you should follow the instructions below to get started with your investment:

  • Launch the downloaded app on your smartphone
  • Add your debit card details as required
  • Specify your investment goal –you’ll have to create a goal which could be school fee payment, vacation fee, property purchase, etc.
  • Within the app, activate direct debit for your automated investments which could be daily, weekly or monthly
  • With the above done, you’re good to go with your PayDay Investor investments. Meanwhile, you can always keep track of your investment’s progress through the app

Timeline of PayDay Investor’s Yearly Average Yields

There has been a record of variations in the average yearly yields of PayDay Investor. Below is a breakdown of the average yields from 2015 to 2017.

2015 –12.8% average yield

2016 –9.9% average yield

2017 –17.2% average yield

From the data above, one can infer that PayDay Investor’s average yearly yield is approximately 15%.

Taking the information above into account, it is clear that if you set the PayDay Investor app to make the automated monthly savings of #25,000 for a period of 1 year, you’ll likely withdraw #345,000 at the end of your savings period. The bottom line here is that you’ll have a 15% return which is equivalently #45,000 added to your one-year savings of #300,000.

Other Things You Should Know about PayDay Investor

PayDay Investor permits you to withdraw your investment any time –As long as you have duly submitted your KYC requirements as required (for savings withdrawal), PayDay Investor will not hesitate to release your investment to you. Interestingly, the platform lets you withdraw both your savings and the associated yield anytime you wish to do so.

PayDay Investor lets you make unscheduled savings –Using the PayDay Investor app, you can easily “top up” your regular scheduled savings. Basically, this “top-up” implies that you want to make savings beyond your regular automated deductions. In other words, you simply want to make some savings by yourself in addition to the scheduled automated savings that the app does for you through deductions from your bank account.

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To make unscheduled savings, open your PayDay Investor app. Tap the Goal button and then the Top Up option.

PayDay Investor does more than saving your money –As earlier noted, PayDay Investor doesn’t only help you save your money but also invest the money somewhere. As you’d like to know, your saved fund is automatically invested in the ARM Money Market Fund. This way, your investment yields a 15% yearly return, making PayDay Investor a rewarding investment platform. Frankly, this 15% return is greater than what any savings account (offered by a traditional bank) will guarantee you.


Continual investment of your savings in the ARM Money Market Fund is what distinguishes PayDay Investor from other savings apps. If you cherish reeling in a return as robust as 15% yield, you may want to favour PayDay Investor above several other savings apps.

So far, we have given you an honest review of PayDay Investor. Expectedly, you should now know whether it is the right investment platform for you. Above all, PayDay Investor is an excellent tool that helps you combine savings with investment and make cool success out of that.

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