Find out how Aussies are accessing their wages early



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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 limts 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.

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 limts 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.

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 limts 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.

Calculate how much you pay back

If you access

You pay back $...

That's the total amount of your wage advance, plus a ...% fee. No hidden fees or interest, that's it!

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

No credit checks


 
No credit checks, no employer contact. It's your money, we just help you access it sooner.

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

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

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

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.

 

★★★★★

MyPayNow is a super useful service. Instant cash, easy when you need it, and the super low fees are often significantly cheaper than even the late fee on a bill! Love it!

Cassie from Melbourne, 29

★★★★★

Great service. Easy to use! Thank God someone is trying to do something about the outdated getting paid system!

Jose from Byron Bay, 32

★★★★★

How good is this?! Finally, I don't need to dread the weekend before pay day because I can actually still go out and have fun - and not feel bad because it's my money!

Sharron from Adelaide, 39

★★★★★

The low fees are great other companies sometimes charge $100 to $200 dollars per loan so thanks it's affordable.

Glenn

★★★★★

Mypaynow is a super useful service. Instant cash, easy when you need it, and the super low fees are often significantly cheaper than even the late fee on a bill! No brainer. Good folks too. Thanks for bringing an affordable option.

Benjamin

★★★★★

I love your service. Used it for the first time last week. What a great service for $5 per 100, that is just so convenient for when you are a little short on cash for the week! And no awful interest fees and drawn out application!! Well done and thank you. My application was a breeze and I had the money instantly.

Trent

★★★★★

MyPayNow is a super useful service. Instant cash, easy when you need it, and the super low fees are often significantly cheaper than even the late fee on a bill! Love it!

Cassie from Melbourne, 29

★★★★★

Great service. Easy to use! Thank God someone is trying to do something about the outdated getting paid system!

Jose from Byron Bay, 32

★★★★★

How good is this?! Finally, I don't need to dread the weekend before pay day because I can actually still go out and have fun - and not feel bad because it's my money!

Sharron from Adelaide, 39

★★★★★

The low fees are great other companies sometimes charge $100 to $200 dollars per loan so thanks it's affordable.

Glenn

★★★★★

Mypaynow is a super useful service. Instant cash, easy when you need it, and the super low fees are often significantly cheaper than even the late fee on a bill! No brainer. Good folks too. Thanks for bringing an affordable option.

Benjamin

★★★★★

I love your service. Used it for the first time last week. What a great service for $5 per 100, that is just so convenient for when you are a little short on cash for the week! And no awful interest fees and drawn out application!! Well done and thank you. My application was a breeze and I had the money instantly.

Trent

Frequently asked questions



What identification documents do you accept?
Currently the system will only accept an open drivers licence, Medicare card or Australian passport. We cannot accept proof of age cards or a learners licence.
How much can I advance?
MyPayNow allows you to advance up to ... of your next wage. If you are a regular user of our service, you may be able to advance more of your wage in the future.
When do I pay back the advance?
Your advance will be debited from your account on the day of your next wage. You don't need to lift a finger! You will then be able to request new advances through the MyPayNow app.
How much does MyPayNow cost?
MyPayNow charges a one-off flat-rate service charge of ...% of the advanced wage amount. For example, if you request an advance of $100, our charge is only $....


Have more questions?
Read more FAQs →

Download MyPayNow