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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. Once done, our cutting edge artificial intelligence (AI) technology will do all the work in the background to calculate how much of your wage you can get early access to through MyPayNow.

Step 2. Request and receive

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

Access your pay on demand. With no limits on the number of requests you can make each pay cycle, you can grab what you need, when you need it (from as little as $50 all the way up to ... of your wage). The best bit? Your money will hit your account within .... It's your money after all!

Step 3. Repay and repeat

No fuss repayments so you can always access your money when you need it.

The money you accessed is automatically deducted from your next pay via direct debit. Your MyPayNow balance resets, and you can grab another pay advance when you need it. Remember: there are no late fees ever! Once processed, you'll be good to go again.

Need more time? Flexible repayment options now available.

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

A.I Driven Assessment

A quick and seamless assessment with no employer contact.

Simple signup

Our no fuss digital signup keeps things quick and simple.

Secure

The MyPayNow system uses the same level of encryption and security as your bank.

NPP Technology

Your money. Your account. ..., 24/7. Job done.

Multiple transactions

No limits on the number of transactions you make. Grab what you need, when you need it.

Automatic repayments

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

Live your best life with MyPayNow


Life doesn't wait 'til pay day, so why should you? Access your money in an instant for those fun - and not so fun - surprises. Here are some of the ways MyPayNow has come in handy.

 

Never. Ending. Baby. Supplies

Birthday brunch turned into a 1am kebab

Got a ticket running late to work

We went shopping for plants and came home with a TV (and plants)

Your friend ordered lobster and "forgot their wallet"

Cause Aussies love their smashed avo

Never. Ending. Baby. Supplies

Birthday brunch turned into a 1am kebab

Got a ticket running late to work

We went shopping for plants and came home with a TV (and plants)

Your friend ordered lobster and "forgot their wallet"

Cause Aussies love their smashed avo

Never. Ending. Baby. Supplies

Birthday brunch turned into a 1am kebab

Got a ticket running late to work
 

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 driver's licence, Australian passport or Medicare card. We cannot accept proof of age cards or a learner's licence.
How much can I advance?
MyPayNow allows you to advance up to a quarter of your regular wage.
How do I pay back the advance?
A direct debit is automatically scheduled to come out of your nominated bank account on your next pay day. 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 until your advance is paid.

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

We do not charge missed payment, late payment, direct debit or any other hidden fees, it's that simple.


Have more questions?
Read more FAQs →

Download MyPayNow