Refer a friend & you BOTH GETget $50!*

Refer a friend & you BOTH GET $50!*

*Terms and conditions,
including eligibility criteria apply. T&C's apply.
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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, the money will be in your account instantly. Enjoy no-fuss repayments with no hidden fees or late fees, so you can always 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 seconds

Australian owned & operated

How our pay advance works


STEP 1: Sign up

MyPayNow is a wage advance service that allows you to access a portion of your wage, early! Set up your account by entering your name, mobile number, and address. Next, verify your ID using a Medicare card, passport, or driver’s licence.

Once your account is set up, simply add your employment details and connect the bank account that your wage is deposited into. Our technology will then calculate how much of your pay you can access.

STEP 2: Request & receive

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 a quarter of your wage. The best bit? Your money will hit your account within 60 seconds. It’s your money, after all!

STEP 3: Repay your way

Simple, hassle-free repayments. Your borrowed amount is automatically deducted from your bank account on your upcoming pay cycle via direct debit, ensuring easy access to funds when needed. No late fees, flexible options—repayment made effortless.

Sign up now & get paid today
 
 

You can access
up to
$150 per week!




*T&C’s apply

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

→ Flexible repayments
→ 24/7 availability
→ Bank grade 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 until your advance is paid. 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

We do not charge missed payment, late payment, direct debit or any other hidden fees, it’s that simple.
Are there any hidden fees?
Nope! MyPayNow doesn’t charge any direct debit, failed or missed payment fees, account keeping or monthly fees.
Why can’t I access all my wage?
MyPayNow provides you with a portion of your wage to allow you to handle unexpected expenses whilst ensuring you are within your means for repayment.
What is the minimum amount I need to earn before I can apply to MyPayNow?
The minimum income required to use MyPayNow is $450.00 take home per week, $900.00 a fortnight, or $1950.00 per month.
How much can I advance?
MyPayNow allows you to advance up to a quarter of your regular wage (up to $2,000).
How do you determine my advance limit?
Our system uses state-of-the-art AI to identify income and spending patterns to determine affordability and suitability. Once identified, your advance limit is determined as a quarter of your regular wage (up to $2,000)!
Why can’t I get more than my approved limit?
Your approval limit is based on your identified income and affordability assessment. 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 next pay day. 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.
What are the direct debit fees?
There are no direct debit fees at all!
How much do you charge for a missed payment?
$0! We do not charge any missed or failed payment fees.
How long does it take to set up an account?
It takes about 5 minutes to set up your MyPayNow account. Once set up, it only takes 60 seconds for your advance to be deposited into your bank account.
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