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Wage Advance

Access your wage early

Get the money you've already earned, instantly.

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How it works

Once approved, it takes less than a minute for your money to get into your account.

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Choose your amount

The easiest way to get the money you've earned ahead of payday. Get up to $2,000 of your pay as soon as you're approved with us. Once your actual payday arrives, you’ll get the rest of your paycheck without any fees to worry about! Also, if you don’t need the full $2,000, you can always choose the amount you’d like to get advanced to your account.

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Get paid instantly

No long wait times; we know you need your cash pronto. As soon as you've hit withdraw, we send you the cash direct to your bank account. There isn't a faster way to get your pay now. While there are other fast cash options out there, like payday loans, they don’t get approved as quickly. Also, these loans often come with high fees, and Wagetap simply provides you with the money you’ve already earned.

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Repay on your next pay day

We pride ourselves on being transparent and fair with our repayments. No late or hidden fees. Cash out today, and repay on your next pay day! Repayment doesn’t have to be a stressful situation with Wagetap. Get the money you need, pay your expenses, and pay us back with no worries.

    Wage Advance

    Wage Advance

    What is a cash advance?faq dropdown arrow
    A cash advance from Wagetap allows you to cash out up to $2,000 of your paycheck early and repay the rest on your next payday. Simply submit your request, and we’ll send the money to your account. Also, you don’t have to request the full amount — you can choose the amount you’d like to borrow.
    What is a cash advance fee?faq dropdown arrow
    Wagetap charges a small fee for each cash advance. We charge a 5% withdrawal fee and an interest fee of 24% p.a. This means that withdrawing $100 will charge a fee of $5. The processing fee can vary but is generally between 40c to 90c. There are no hidden fees or late fees.
    How long does a cash advance take?faq dropdown arrow
    In most cases, you’ll receive your cash advance from Wagetap instantly. You should see the money show up in your account within minutes. In rare cases, you may not see your funds for up to 24 hours. This is dependent on your banking provider and their processes.
    In most cases, you’ll receive your cash advance from Wagetap instantly. You should see the money show up in your account within minutes. In rare cases, you may not see your funds for up to 24 hours. This is dependent on your banking provider and their processes.
    How much does a cash advance cost?faq dropdown arrow
    A cash advance only costs a 5% withdrawal fee and the interest fee of 24% p.a. With these set rates, you’ll always know how much using a cash advance will cost you overall. We make sure to never hide fees or charge late fees, so you can get the money you need without having to worry about making things worse.
    How do I pay back a cash advance?faq dropdown arrow
    Paying back your cash advance is simple. You can make payments right from the Wagetap app. Just log in and pay back your balance when payday comes around. You can also split your wage advance payments for loans over $100. If you’re needing to delay repayment, you can request to delay for up to one pay cycle. We will also notify you when a payment is coming due.
    Is a cash advance a loan?faq dropdown arrow
    A cash advance is similar to a short-term loan, but they don’t always have favourable terms. However, Wagetap makes it easy to get a cash advance without worrying about overly high fees or late charges. Along with our cash advance feature, we also offer a bill split feature to make managing your finances even easier.
    Is bpay cash advance?faq dropdown arrow
    No, BPAY is a national billing service that allows you to pay bills directly from your online banking account or credit card. Most billers accept BPAY, though BPAY doesn’t lend you money. Also, some billers will charge a cash advance interest rate for BPAY payments if they don’t accept credit card payments but allow you to make BPAY payments with your credit card.
    Can I get a cash advance?faq dropdown arrow
    Yes, you can get a cash advance if you meet our eligibility criteria. You can make sure you meet our eligibility criteria by looking at our requirements on our FAQ page. Keep in mind that we reassess eligibility regularly, so you can always check back to see if you’re eligible to use a cash advance for this pay cycle.

    Am I Eligible?

    See if you meet our lending criteria below

    Who can access Wage Advance?

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      You have connected a transacting account that allows direct debits.

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      You have regular consistent wages, minimum of $800/month.

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      Your recent expenses and repayment history have passed our eligibility criteria.

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      Centrelink makes up less than 50% of your total wages.

    See our full list of eligibility criteria here. Please note: our criteria are subject to change.

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