Get ahead of payday with Wagepay
Apply for a Wage Advance of up to $3,000 to access funds before pay day¹. Quick and easy sign-up and real-time payouts once accepted.²
Quick & easy service
- Sign up in minutes
- Apply for up to $3,000 ¹
- No credit check required
- Real-time assessments 24/7
- Funds transfer in 60 seconds once accepted²
- Even lower fees for selected return customers
Calculate your repayment
Figures shown are an example based on a 7-day repayment period. The interest payable depends on your actual repayment period. Eligibility and assessment criteria apply.
The new way to get ahead of payday
Wagepay was founded to give everyday Australians more flexibility before payday, with fast Wage Advances when they need them most.
Instant payments
Pay on demand. Around 99% of our advances are paid via NPP, so most customers receive their funds within 60 seconds of accepting their advance.2
No missed payment fees
We don’t charge missed payment or default fees.
Missed Payment Fees
Default Fees
Collection Fees
Tiered pricing
Selected customers can unlock a reduced establishment fee, based on their repayment history and financial health.
We don’t do credit checks
We don’t run credit enquiries (also known as credit checks), so your credit score isn’t impacted and your account usage stays private, unlike many lenders.
Postpone repayment options
Want a bit more breathing room? You may be able to push your repayment date back, right from the app.3
Split repayment feature
Want to ease the load? You may be able to split your repayment into two smaller amounts, right from the app.3
Real-time repayments
We were one of the first businesses in Australia to offer PayTo (real-time repayments). No more waiting days for payments to clear.
Your personal life stays personal
You can use our service without needing to involve your employer, or connect your employer to have your employment verified and unlock further discounts. The power’s in your hands.
Thousands of 5-star ratings
Backed by reviews from customers Australia wide.
4.3/5
4.8/5
4.4/5
More than just wage advances
We don’t stop at wage advances. We are constantly innovating to bring you the very best complementary products and services.
Reward Points
We are one of Australia’s only wage advance providers to offer a reward points program. Qualified customers can redeem points for gift cards, travel and more.6
Bank scoring
Qualified customers can access our proprietary bank score, along with feedback on the factors that shape it. 4
Credit scoring
We give selected customers with an excellent repayment history free access to their Equifax credit score.5
Mobile App
We’re 100% online. Access our pay advance app anytime through the easy-to-use mobile app, or through our website.
Things you should know
1 Wage Advance products are subject to terms and conditions, fees and charges, and eligibility and assessment criteria, which apply to each Wage Advance. The amount you can advance is determined by our eligibility and assessment criteria and can vary.
2 Most customers who have an NPP enabled bank account will receive funds in their account within 60 seconds of accepting their contract. For other customers, we send funds by EFT (online transfer). These funds typically arrive the next business day if sent before your bank’s cut-off time (often 5pm), or the business day after if sent after the cut-off, or on a weekend or public holiday.
3 Each advance is limited to one use of either the Postpone or Split features. The number of days available to Postpone or Split to depends on multiple factors, such as your income cycle. These options aren’t available if that advance is already in arrears, you’ve made a partial payment towards it, or in other circumstances at our discretion. If these options aren’t available to you, or you need help, contact our customer support team from the app or web portal.
4 The bank scoring feature becomes available once you’ve been approved for your first wage advance, and stays active as long as you refresh your advance limit estimate when prompted. This is required because refreshing your advance limit estimate and updating your bank score happen at the same time.
5 The credit scoring feature is available for selected customers with an excellent repayment history with us. If you’re selected, you’ll see it appear in the app or web portal, where you can opt in to it.
6 To unlock Rewards, you’ll need to have repaid at least 3 advances and have no advances in arrears on your account. Other terms and conditions apply, see our Rewards page for details.
Get the app today