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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 on your next payday. Wagetap sends the money directly to your account after you submit your request. You don't have to request the full amount. Wagetap lets you choose the amount you'd like to borrow.
    Can I get a cash advance?faq dropdown arrow
    Yes, you can get a cash advance if you meet Wagetap's eligibility criteria. Review Wagetap's eligibility requirements on the FAQ page. Wagetap reassesses eligibility regularly, so you can always check back to see if you qualify for a cash advance this pay cycle.
    How much does a cash advance cost?faq dropdown arrow
    A Wagetap cash advance costs a 5% withdrawal fee and an interest fee of 24% p.a. With these set rates, you always know how much a Wagetap cash advance will cost overall. Wagetap never charges hidden fees.
    What is a cash advance fee?faq dropdown arrow
    Wagetap charges a 5% withdrawal fee and an interest fee of 24% p.a. for each cash advance. For example, withdrawing $100 incurs a fee of $5. Wagetap's interest fee generally ranges between 40c and 90c. Wagetap does not charge any other hidden fees.
    How long does a cash advance take?faq dropdown arrow
    Wagetap delivers your cash advance instantly in most cases, and you should see the money in your account within minutes. In rare cases, funds may take up to 24 hours to appear. This timing is dependent on your banking provider and their processes.
    How do I pay back a cash advance?faq dropdown arrow
    Wagetap makes paying back your cash advance simple. Your repayment will be taken automatically on your next payday, or you can log in and pay back your balance at any time. You can also split your wage advance payments for some advances. If you need to delay repayment, Wagetap allows you to request a delay for up to one pay cycle. Wagetap also notifies you when a payment is coming due.
    Is BPAY a 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. BPAY does not lend you money. Some billers will charge a cash advance interest rate for BPAY payments if they don't accept credit card payments but allow BPAY payments with your credit card. For early access to your paycheck, Wagetap offers cash advances of up to $2,000 repaid on your next payday.
    Is a cash advance a loan?faq dropdown arrow
    Wagetap makes it easy to get a cash advance without worrying about overly high fees or late charges. A cash advance is similar to a short-term loan, though cash advances don't always have favourable terms. Wagetap also offers a bill split feature alongside cash advances to make managing your finances even easier.

    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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      Digital Services Australia V Pty Ltd. Eligibility criteria and T&Cs apply. Credit checks may apply. Digital Services Australia V Pty Ltd and Wagetap Lending Pty Ltd are authorised representatives of Australian Credit Licences 000389620 and 000519253.