More than meets the eye
Discover why Wagepay is the ultimate new way to get ahead of payday. Not only can you apply for Wage Advances, but you can unlock other free products and services too.
Wage advance
We let you apply for a Wage Advance representing a portion of your regular pay, up to a maximum of $3,000, before your usual payday1.
- Accepted advances are paid into your bank in as little as 60 seconds2
- No credit checks, so applying won’t negatively impact your credit score
- PayTo (real-time repayments) is available with supported banks, so you’re not waiting days for repayments to clear
- Postpone and split repayment options, which may be available if you need the flexibility3
Bank scoring
We give you access to our proprietary bank score, which we calculate from your bank accounts, along with feedback on the factors that shape it.
- Free-to-use service, unlocked after your first advance4
- Wagepay exclusive offering
- Gain insight into your financial habits and the factors that influence your score
Credit scoring
We give selected customers with a great repayment history free access to their Equifax credit score.
- Free-to-use service, unlocked for selected customers5
- Receive an updated score every month
- Understand your credit score and stay up to date with changes
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.
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