No, Express Pay is neither a loan nor a paycheck advance. With Express Pay, you only have access to pay that you have already earned before your traditional payday. There is no interest applied to the money you transfer from your Express Pay balance and you are under no obligation to use Express Pay.
Help Center
https://support.useferry.com/hc/en-us/categories/13381843341076-About-Ferry
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About Ferry
Answers to common questions about Ferry
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https://support.useferry.com/hc/en-us/categories/13403547915540-Using-Your-Ferry-Payroll-Card-and-Account
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Using Ferry
Using your Ferry Payroll Card and Account
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https://support.useferry.com/hc/en-us/sections/13404553472788-Transfer-Money
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Move Money
Transfer Money out of your Ferry Digital Wallet