1
Create Your Account
Set up your free account in minutes. Provide some basic information so we can verify you, then we'll calculate your pay advance limit.
Get Your Pay in Advance. Sent in Seconds.
Get up to $2,000 of your wages early - no credit check, no waiting.
Life doesn’t wait for payday. With MyPayNow, once approved, your pay advance is in your account in seconds - 24/7, any day of the week. Download the app and get started today.
Get My Pay Advance
Available on iOS & Android. No credit check required.
Australia’s Fast Pay Advance App
When life happens, you shouldn’t have to wait until payday. MyPayNow gives you on-demand access up to a quarter of your pay, up to $2,000 maximum - sent to your bank account in seconds via Osko (NPP). No credit check. No paperwork. No waiting. Whether it’s an unexpected bill or urgent car repairs, a pay advance from MyPayNow puts you back in control.
Sent via Osko (NPP). Availability depends on receiving bank; delays may occur.
How Your Pay Advance Works
Getting a pay advance with MyPayNow takes minutes. Here’s how it works:
2
Get Your Money
Choose your advance amount (up to your approved limit). Once approved, we transfer your wage advance in seconds - 24 hours a day, 7 days a week.
3
Repay on Payday
Your repayment is automatically deducted on your scheduled repayment date via direct debit. Need more flexibility? You can split or delay your repayment directly in the app.
Start My Pay Advance
Terms, conditions and eligibility apply.
Fast, Simple, Transparent
MyPayNow is built for Australians who need their money now - not next Friday.
Instant Pay Advance, 24/7
Using real-time Osko (NPP) technology, your approved pay advance hits your bank account in seconds - day or night, weekends and public holidays included.
No Credit Check Required
We don’t run credit checks. Your eligibility is based on your current employment and income, so a less-than-perfect credit history won’t hold you back.
Up to $2,000 Wage Advance
Access up to a quarter of your regular pay each period, with a maximum wage advance of $2,000. Simple fees. No hidden charges, no surprises.
Easy Repayment
Repayments are automatically deducted on your payday. Need more time? Flexible split and delay options are available directly in the MyPayNow app.
Thousands of Aussies Are Already Getting Paid Early
Join the growing community of Australians who trust MyPayNow for their pay advance when it matters most. Here’s what some of them have to say:
This company is so helpful, the team is always nice and understanding. I would recommend them to anyone out there looking at a service like MyPayNow, I cannot fault them!
Andrew
A very good and reliable way to access money early. Never failed me and is easy to use, which takes away the stress of upcoming bills. Would certainly recommend to anyone looking for this type of product.
Marco
MyPayNow has been an extremely convenient and reliable service to use. I have recommended them to everyone I know. It has been a lifesaver and I rate it 10/10.
Karly
Excellent service with minimal fees! Money in my account instantly…such a great option to ease financial stress when you are needing some extra $$$ before payday.
Michelle D
This company is so helpful, the team is always nice and understanding. I would recommend them to anyone out there looking at a service like MyPayNow, I cannot fault them!
Andrew
A very good and reliable way to access money early. Never failed me and is easy to use, which takes away the stress of upcoming bills. Would certainly recommend to anyone looking for this type of product.
Marco
MyPayNow has been an extremely convenient and reliable service to use. I have recommended them to everyone I know. It has been a lifesaver and I rate it 10/10.
Karly
This app has helped me in good times and bad times…but what it’s done the most, is help me get on top of my finances in advance.
Peter
How Much Can You Get With a Pay Advance? ↓
Your pay advance limit may be up to $2,000. Use our calculator below to see how much you could access today - it takes just seconds.
I get paid:
$2,000
You can access up to
$500
Per Week
*T&C's apply
Ready to get your pay advance? It’s free to sign up.
Get My Pay AdvanceGet Your Pay Advance App Today
Download the MyPayNow app and join thousands of Australians already accessing their wages early. Available on iOS and Android - sign up in minutes and get your first pay advance today.
Free to sign up. No credit check. Money in seconds.
Free to sign up. No credit check. Money in seconds.
Pay Advance FAQs
Have questions about getting a pay advance with MyPayNow? Here are answers to the most common questions from Australians just like you.
A MyPayNow pay advance lets you access credit based on a portion of your wages before your official payday. With MyPayNow, you can access up to a quarter of your pay - up to $2,000 - and receive it in seconds via real-time bank transfer.
Have more questions? Visit our FAQs