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 transfer in 60 seconds²
- Even lower fees 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 payday. It’s time to empower employees to access their pay when they need it most.
Instant payments
Access your 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.
No missed payment fees
Say goodbye to expensive missed payment 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.
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
Access your pay before payday 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.
Trusted by thousands
Wagepay is trusted by over 500,000 users Australia wide, and our ratings show it.
4.4/5
4.8/5
4.3/5
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’re Australia’s first wage advance provider to offer a reward points program. Qualified customers can redeem points for gift cards, travel and more.
Credit scoring
We give selected customers with an excellent repayment history free access to their Equifax credit score.
Bank scoring
Qualified customers can access our proprietary bank score, along with feedback on the factors that shape it.
Mobile App
We’re 100% online. Access our pay advance app anytime through the easy-to-use mobile app, or through our website.
Get in touch today