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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 about your employment. 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.

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.

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

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.

 
★★★★★
Couldn't believe how easy it was, money was in my account instantly. I requested for the repayment to be split into two payments which was accepted straight away...would highly recommend MyPayNow.
Kylie Q
★★★★★
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 is the house of seamless funds, cheaper than an ATM, and convenient for getting the funds from the comfort of my home. A fairly new company that is by far the best in the market. I would recommend MyPayNow to anyone who wants access to their wages with flexibility and freedom.
Chris F
★★★★★
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
★★★★★
I can't thank MyPayNow enough, they have got me out of many terrible situations! As a single parent, sometimes I need money for my children and just everyday living costs. Just remember this company is here to help you at any moment any time. Don't stress out when you can't afford fuel or the day comes when you need an urgent dental appointment. It has happened to me and honestly, I'm so grateful to have this help thank you guys keep up the great work.
Shaun P
★★★★★
The Customer Service team at MyPayNow is excellent! I had a couple of issues that I emailed the customer service team about and the problem was solved very quickly and efficiently.
Timothy K
★★★★★
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
★★★★★
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
★★★★★
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
★★★★★
Couldn't believe how easy it was, money was in my account instantly. I requested for the repayment to be split into two payments which was accepted straight away...would highly recommend MyPayNow.
Kylie Q
★★★★★
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 is the house of seamless funds, cheaper than an ATM, and convenient for getting the funds from the comfort of my home. A fairly new company that is by far the best in the market. I would recommend MyPayNow to anyone who wants access to their wages with flexibility and freedom.
Chris F
★★★★★
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
★★★★★
I can't thank MyPayNow enough, they have got me out of many terrible situations! As a single parent, sometimes I need money for my children and just everyday living costs. Just remember this company is here to help you at any moment any time. Don't stress out when you can't afford fuel or the day comes when you need an urgent dental appointment. It has happened to me and honestly, I'm so grateful to have this help thank you guys keep up the great work.
Shaun P
★★★★★
The Customer Service team at MyPayNow is excellent! I had a couple of issues that I emailed the customer service team about and the problem was solved very quickly and efficiently.
Timothy K
★★★★★
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
★★★★★
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
★★★★★
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.

Frequently asked questions



What identification documents do you accept?
We only accept an Australian open drivers licence, Australian passport or Medicare card. We cannot accept proof of age cards or a learners licence.
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?
We only charge a 5% fee on your advance. Plus, 24% interest per annum on your outstanding balance (capped at 62 days).

For example:
  • If you took out a $100 advance for 7 days, you'd pay back:
    • Flat fee: $5
    • Interest: $0.48
    • Total = $105.48

  • If you took out a $100 advance for 28 days, you'd pay back:
    • Flat fee: $5
    • Interest: $1.93
    • Total = $106.93



Have more questions?
Read more FAQs →

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