Waiting for payday while bills (or fun plans) pile up?

We hear you. Life doesn't always line up with your pay cycle — rent's due, rego comes out of nowhere, or you just need a little breathing room. That's where MyPayNow can help. 

We give you access to a portion of your salary before payday — so you can handle what life throws your way, without the wait. 

What Is MyPayNow? 

MyPayNow is a pay advance app that allows you to access a portion of your salary before payday. 

Think of it as a tool to help you take control of your cash flow and avoid turning to credit cards or traditional loans when timing doesn't work in your favour. 

How Does It Work? 

It's quick, easy and secure: 

1️⃣ Sign Up: Create an account via our website or app, and we'll show you how much of your pay you can access.

2️⃣ Request & Receive: Need funds now? Request a pay advance anytime – 24/7 – and the money hits your account in under 60 seconds.

3️⃣ Repay: We automatically debit the advance from your bank account on your next payday, or you can choose to pay out early with your debit card.

What Does It Cost? 

We charge a simple, transparent 5% fee on your wage advance, plus 24% interest per annum until the advance is repaid. 

Example: 

If you take out a $100 advance for 7 days, you'll repay: 

◼️ Flat Fee: $5 

◼️ Interest: $0.48 

◼️ Total: $105.48 

We don't charge missed payment, late payment, direct debit, or any other hidden fees — it's that simple. 

Who Can Use MyPayNow? 

To be eligible, you'll need to: 

◼️ Earn at least $450/week, $900/fortnight, or $1950/month (take-home) 

◼️ Be employed with a regular income 

◼️ Have a valid form of Australian ID (e.g. an open driver's licence, Medicare card, or passport) 

◼️ Be at least 18 years old 

◼️ Meet our full eligibility criteria 

To learn more, please visit our FAQs page. 

Why Choose MyPayNow? 

Because sometimes you just need your salary early — and waiting for payday isn't always an option.  

MyPayNow makes it easy to access a portion of your earned salary when you need it, with no impact on your credit score, no hidden fees, and no lengthy applications.  

Whether it's covering rent, bills, or something unexpected, we give you fast, flexible access to the money you've already earned — so you can stay on top of your finances without the stress. 

Your Pay, Your Terms 

When life happens, having the option to access your salary early can make all the difference. 

MyPayNow gives you that flexibility — helping you stay in control of your money and avoid unnecessary stress. 

👉 Ready to take control of your payday? Sign up now and get started in minutes. 

The information provided in this blog is for general informational purposes only and does not constitute financial advice. It is not tailored to the specific circumstances of any individual. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.