Is Express Wages a loan?

No. Express Wages isn't a loan.

A loan is borrowed money you pay back with interest. Express Wages is different — you're getting your own wages that you've already earned, just earlier than payday. There's no lender, no interest, and no credit check.

When payday comes, the amount you accessed early is deducted from your paycheck. You repay exactly what you took — nothing extra.