Access your wage, before pay day!
Get early access to a portion of your wage in real-time, plus so much more! Sign up in less than 3 minutes1. It’s Your Wage, Your Way.
Quick & easy payday advance service
- Fair & transparent
- Sign up in minutes
- Apply for up to $3,000
- Real-time wage deposit 24/7
- Funds available in 60 seconds
- Even lower rates for selected return customers
Calculate your advance
*Example based on a repayment period of 7 days. Eligibility criteria apply.
The new way to get your pay early
Wagepay was founded to help everyday Australians take control of the money they have earned and get real-time access to their wages before pay day. It’s time to empower employees to access their pay when they need it most.
Instant payments
Access your pay-on-demand. Receive your funds in your account instantly with NPP payments.
No missed payment fees
Say goodbye to expensive missed payment fees.
Missed Payment Fees
Default Fees
Collection Fees
Tiered pricing
We offer even lower fees for selected loyal customers, saving you even more money.
We don’t do credit checks
Which means your credit score does not get impacted and your account usage remains private, unlike Buy Now Pay Later products.
Real-time direct debit
We are one of the first businesses in Australia to offer real-time direct debit (also known as PayTo). Say goodbye to waiting days for payments to clear.
Your personal life stays personal
Access your pay before payday without involving your employer. Or get your employment verified by connecting your employer to access further discounts. The powers in your hands.
Trusted by thousands
Wagepay is trusted by over 300,000 users Australia wide, and our ratings show it.
4.5/5
4.6/5
4.7/5
4.7/5
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 the only wage advance provider with a reward points program, with points redeemable for gift cards, travel and more.
Credit scoring
We provide our best customers with free access to their credit score from Equifax.
Bank scoring
We give you access to our proprietary bank score, and give you feedback on how this can be improved to improve your credit worthiness.
Mobile App
We are 100% online. Conveniently access our pay advance app online anytime through the easy to use mobile app, or choose to do it through our website.
Get in touch today