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Access your pay instantly –
no hidden fees, no surprises

Get up to 25% of your wage in just 60 seconds.
Quick, easy and secure!

Join now

Over 10 million advances provided


Thousands of Australians trust MyPayNow to access their pay on demand. Sign up in minutes and request your pay anytime, anywhere—with real-time deposits, you can have money in your account instantly. Enjoy no-fuss repayments with no hidden fees or late fees, so you can access your money when you need it most.

Couldn’t believe how easy it was... money into my account straight away. Requested for the repayment to be split into 2 payments which was accepted straight away... highly recommend MyPayNow. Definitely will use their services again.
Kylie Quarles
Really handy service to have in your back pocket for those ’just-in-case times, I’ve never had a negative issue. Recently I over-committed myself and asked for an alternative way to make my repayment, and the customer-service person who responded (Phoebe) replied to my request in less than 12 hours, and was extremely helpful :)
Lisa Thomson
MyPayNow great! I’ve never had a problem accessing an advance payment when those in-between weeks get a little difficult. I also can not fault the communication I’ve received from the customer Care staff, they always gotten back to me within a reasonable time (the few times I’ve needed to change a payment date). And one more thing, the fees aren’t ridiculous either! They definitely do deserve 5 star review!
Stephanie Gref
MyPayNow is exceptional to deal with. Their customer service is 2nd to none. They offer affordable advances and flexible repayments up to 4 pay cycles at a very reasonable fee. They have helped me out of a tight spot on several occasions. Can’t recommend them highly enough!
Jacquie Davis
Couldn’t believe how easy it was... money into my account straight away. Requested for the repayment to be split into 2 payments which was accepted straight away... highly recommend MyPayNow. Definitely will use their services again.
Kylie Quarles
Really handy service to have in your back pocket for those ’just-in-case times, I’ve never had a negative issue. Recently I over-committed myself and asked for an alternative way to make my repayment, and the customer-service person who responded (Phoebe) replied to my request in less than 12 hours, and was extremely helpful :)
Lisa Thomson
MyPayNow great! I’ve never had a problem accessing an advance payment when those in-between weeks get a little difficult. I also can not fault the communication I’ve received from the customer Care staff, they always gotten back to me within a reasonable time (the few times I’ve needed to change a payment date). And one more thing, the fees aren’t ridiculous either! They definitely do deserve 5 star review!
Stephanie Gref

No hidden
fees

Flexible repayment options

Apply & approved in minutes

Australian owned & operated

How our pay advance works


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 & 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.

Sign up now & get paid today
 
 

You can access
up to
$150 per week*!




*Terms, conditions and eligibility apply

→ Instant access to pay
→ Quick and easy process
→ No hidden fees

→ Flexible repayments
→ 24/7 availability
→ State of the art security

→ No credit checks
→ User friendly app
→ Trusted by thousands

Frequently asked questions


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:
    • Flatfee: $5
    • Interest: $0.48
    • Total = $105.48
  • If you took out a $100 advance for 28 days, you'd pay back:
    • Flatfee: $5
    • Interest: $1.93
    • Total = $106.93

Why can’t I access all my wage?
MyPayNow is designed to provide you with access to a portion of your wage so you can handle unexpected expenses, whilst still remaining within your means for repayment.
What is the minimum amount I need to earn before I can apply to MyPayNow?
The minimum income from employment required to use MyPayNow is $450 take home per week, $900 per fortnight, or $1,950 per month.
How do you determine my advance limit?
Your advance limit is determined as a quarter of your net pay, up to a maximum of $2,000!
Why can’t I get more than my approved limit?
Your approval limit is based on your identified income. If you receive a pay rise and would like access to more funds - simply update your employment details for us to reassess.
Can I get an advance when my only income is Centrelink?
Unfortunately, not. MyPayNow is a wage advance service, meaning you will need to be receiving regular income from an employer.
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.
What time do direct debits come out of my bank?
Our direct debits are processed by a third party, meaning they can be attempted at any point during the day.
How long does it take to set up an account?
It takes about 5 minutes to set up your MyPayNow account and be assessed for an advance. Once approved and funds are requested, we send your funds in seconds.
What do I need to set up my account?
You will need:
  • Your mobile phone number
  • Your email address
  • A valid form of Australian ID (e.g. an open driver’s licence, Medicare card or passport)
  • The date and amount of your last wage deposit
  • Your internet banking details
  • The bank account where your salary is deposited into. This account must have 70 days’ worth of bank transactions.
Does MyPayNow do a credit check?
No, there is no credit enquiry made on your file with a Credit Reporting Agency.
Does MyPayNow contact my employer?
Nope! We only deal with you, never your employer.

Have more questions? Read more FAQ’s ->

Download the
MyPayNow app today!


Join now