How much can I advance?

You can access from as little as $50, up to a quarter (25%) of your net pay (max $2,000). Your exact available amount is calculated for you when you sign up.

How do I pay back my wage advance?

A direct debit is automatically scheduled to come out of your nominated bank account on your scheduled repayment date. Alternatively, you can make a debit card payment.

How much will it cost me?

MyPayNow charges a flat 5% fee on your advance, plus 24% interest per annum on your outstanding balance (capped at 60 days). Your total cost is always shown upfront before you confirm an advance. There are no hidden costs and no late fees. For example, if you took out a $100 advance for 7 days, you'd pay back a $5 flat fee plus $0.42 interest - $105.42 in total. If you took out a $100 advance for 28 days, you'd pay back a $5 flat fee plus $1.68 interest - $106.68 in total.

Find out how Aussies are accessing their wages early

Step 1. Sign up

Registering is quick, easy and secure.

Fill in your details and answer some quick questions. You will then be asked to log in to your online banking via our secure third-party provider so we can access a read-only copy of your recent bank statement data. Once done, our system will calculate the wage advance amount you may be eligible for.

Step 2. Request and receive

Money when you need it most. Whenever, wherever, 24/7.

Access your pay early - via a wage advance. Once approved choose what you need, when you need it - up to a quarter of your net pay (max $2,000). The best bit? We send your wage advance in seconds!

Sent via Osko (NPP). Availability depends on the receiving bank; delays may occur.

MyPayNow app — Choose your advance amount screen

Step 3. Repay on payday

No fuss repayments so you can live your best life.

Your repayment is automatically deducted on your scheduled repayment date via direct debit.

Need more time? You may be able to split or delay your repayment in the app.

MyPayNow app — Home screen showing a previous advance, closed after repayment

There's a lot to love with MyPayNow's Pay Advance

Cutting edge assessment

A quick and seamless assessment with no employer contact.

Simple Signup

Our no fuss digital signup keeps things quick and simple.

Secure

MyPayNow protects your data with industry-leading security.

NPP Technology

Fast, 24/7 payments powered by Australia's New Payments Platform (NPP).

Automatic Repayments

Direct debit repayments mean you can focus on living your best life.

When can MyPayNow come in handy?

Life doesn't wait 'til pay day, so why should you? Use MyPayNow to access funds for those fun - and not so fun - surprises.

Saw a flight deal so good it'd be rude not to book
Car making a noise that's... definitely not normal
Surprise! Your pet's yearly check-up turned into a full-blown medical bill
All the kids have a growth spurt and uniforms don't fit
Smashed your phone screen on your morning walk
Saw a flight deal so good it'd be rude not to book
Car making a noise that's... definitely not normal
Surprise! Your pet's yearly check-up turned into a full-blown medical bill
All the kids have a growth spurt and uniforms don't fit
Smashed your phone screen on your morning walk
Saw a flight deal so good it'd be rude not to book
Car making a noise that's... definitely not normal
Surprise! Your pet's yearly check-up turned into a full-blown medical bill
All the kids have a growth spurt and uniforms don't fit
Smashed your phone screen on your morning walk

Saw a flight deal so good it'd be rude not to book
Car making a noise that's... definitely not normal
Surprise! Your pet's yearly check-up turned into a full-blown medical bill
All the kids have a growth spurt and uniforms don't fit
Smashed your phone screen on your morning walk
Saw a flight deal so good it'd be rude not to book
Car making a noise that's... definitely not normal
Surprise! Your pet's yearly check-up turned into a full-blown medical bill
All the kids have a growth spurt and uniforms don't fit
Smashed your phone screen on your morning walk
Saw a flight deal so good it'd be rude not to book
Car making a noise that's... definitely not normal
Surprise! Your pet's yearly check-up turned into a full-blown medical bill
All the kids have a growth spurt and uniforms don't fit
Smashed your phone screen on your morning walk

Terms, conditions and eligibility apply. Approved applicants only.

Changing the way people get paid

Join the thousands of Aussies already accessing their wages in real-time. Here's what some of our users 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