Need more cash before pay day? It’s only fair, you’ve already earned the wages; you should be able to access them whenever needed. With the Wagepay cash app, you can!

It only takes a couple of taps on your screen and a few minutes of your time. Have a portion of your earned wage, up to $2,500, advanced to your bank account and ready to use. It’s time to take back the power over your pay.

Why choose a Wagepay wage advance?
- Our pay-on-demand service is fast, simple, fair and affordable.
- We complete our assessment in seconds using your bank account transaction history.
- With instant cash transfers, your wage can be in your bank account and ready to use within 60 seconds (1).
- We do not look at your credit history or credit score as a part of our sign-up process. No credit check means your credit score will not be impacted.
- We offer reduced pricing for selected customers, saving you even more.
- We don't charge default fees, missed payment fees, or hidden fees.
- Pay us back automatically after pay day via direct debit. We also offer real-time direct debits, also known as Payto, so there is no waiting for days for payments to clear.

Wagepays pay advance service offers an alternative to help you avoid:
- Expensive payday loan companies that offer small amount credit contracts.
- Ongoing credit card debt and cash advance fees.
- Unplanned overdraft fees charged by your bank.

Wagepay rewards loyal customers with unlockable features such as:
- Free bank score tracking to help you improve your creditworthiness.
- Free access to Equifax credit score tracking.
- Loyalty program with cash giveaways.

With over 300,000 users across Australia and thousands of positive reviews from people who love our service, it's easy to see why Wagepay is the obvious choice when you need your pay now.

How do I get my pay now?
Step 1: Download and open pay app, then create an account.
Step 2: Connect your bank account and we’ll review your finances to determine your wage advance limit estimate.
Step 3: Draw down on your account. For most customers, the funds are in their bank account and ready to use within seconds.

Discover why Wagepay is the ultimate new way to access your pay on demand by downloading our money app today!

Frequently Asked Questions

Is Wagepay a loan app? While Wagepay does provide you with credit until your next payday, we are not a traditional loan. Our wage advances are shorter than personal loans and much cheaper than payday loans like small-amount account credit contracts.

Is Wagepay a buy now pay later app like Afterpay or Zip? While we do have similarities to buy-now-pay-later apps, we are not the same. Unlike buy-now-pay-later apps, Wagepay does not limit you to spending your money at specific retailers. You can use your cash advance funds for whatever you like.

Disclaimers

This app is only available in Australia. Terms and conditions apply. Eligibility criteria, fees and charges also apply to Wage Advance products. Customers are subject to eligibility criteria before each Wage Advance, which can vary the amount you can drawdown.

(1) Most customers complete the account creation form within 3 minutes.
(2) Most customers with an NPP-enabled bank account will receive funds within 60 seconds. For other customers, money will generally be available overnight or, if paid on a weekend, overnight on the next business day.