Pay advance apps

Compare the leading pay on demand apps in Australia.

By   |   Verified by David Boyd   |   Updated 21 Dec 2023

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Comparing pay advance apps

Beforepay

On website

Featured

Beforepay

Highlights

  • Borrow money when you need it, rather than waiting for payday to arrive.
  • Get up to $2,000 of your wages instantly.
  • No interest or hidden fees. Just a 5% fixed transaction fee and flexible repayments with installments across up to 4 pay cycles

Pros

  • Instant cash before payday.
  • No interest. No hidden fees.
  • No late fees (but you won't be able to use the service again until you pay any outstanding balances).
  • A cheaper alternative than other methods of borrowing small amounts like payday loans.

Cons

  • Limited amount to borrow.
  • There is a 5% fee.
MyPayNow

MyPayNow

Highlights

  • Get up to 25% of your wages, with a maximum amount of $2,000.
  • No hidden charges, just a 5% one-off fee every time you advance.
  • Access to your funds in an instant, 24x7.

Pros

  • Simple signup process.
  • No credit check is required.
  • Instant access to your funds.

Cons

  • The maximum amount you can advance is only $2,000.
CommBank AdvancePay

CommBank AdvancePay

Highlights

  • Get access to $300 - $1,000 before your next payday.
  • A single upfront fee depending on the amount you will advance.
  • Apply in just a few minutes.

Pros

  • Advance up to $5,000 (subject to approval).
  • Fees are relative to the amount you will ask for.
  • Simple and quick application process.

Cons

  • 14.90% p.a. will apply to overdrawn accounts.
MyPayFast

MyPayFast

Highlights

  • Advance up to 25% of your salary for a maximum of $750.
  • No hidden fees, just a 5% flat fee.
  • No credit check is required.

Pros

  • Fast and seamless process.
  • No hidden charges.
  • Ensures confidentiality.

Cons

  • The maximum amount you can advance is only $750.
Employment Hero Instapay

Employment Hero Instapay

Highlights

  • Get up to 50% of your wages, with a maximum amount of $250 per week.
  • Flat fee starting from $3.
  • No credit check is required.

Pros

  • The starting fee of $3 is competetive.
  • No late fees.
  • No credit checks.

Cons

  • Max amount is $250 per week.
Wagestream

Wagestream

Highlights

  • Advance a portion of your wage as agreed upon by your employer.
  • Pay $2.49 per transaction (free if covered by employer).
  • Access your fund any time.

Pros

  • No interest charges.
  • Set withdrawal limits to prevent overspending.
  • The fee may be covered by your employer.

Cons

  • Your employer must be partnered with Wagestream.
PayActiv Earned Wage Access

PayActiv Earned Wage Access

Highlights

  • Get up to $500 of your wages instantly (up to $1,000 when you have a Direct Deposit set up).
  • No interest charges.
  • The only Earned Wage Acess program with a CFPB approval order.

Pros

  • Access up to 90% of your net earnings
  • Offers an easy enrollment process.
  • Link your Uber or Amazon account through the Payactiv app.

Cons

  • The $5 fee per fortnight.
WagePay

WagePay

Highlights

  • Get up to 24% of your wages, with a maximum amount of $2,000.
  • Offers real-time deposit 24/7.
  • Only takes 3 minutes to apply.

Pros

  • Advance up to $2,000 instantly.
  • No credit check is required.
  • No late fees.

Cons

  • Aside from the 5% flat fee, there is also a 24% p.a. interest. on all drawdowns.
WageTap

WageTap

Highlights

  • Get up to $500 of your wage.
  • No interest charges.
  • No hidden charges.

Pros

  • Quick application process.
  • No interest charges.
  • The WageTap app lets you split your bill into smaller repayments.

Cons

  • There is a 5% fee.
ZayZoon

ZayZoon

Highlights

  • Advance up to $200 of your wage.
  • No hidden charges, just a $5 flat fee.
  • No interest charges.

Pros

  • Easy application.
  • No credit checks are required.
  • No interest charges.

Cons

  • You can only access $200 at a time.