Wage Advance

Access your wage early

Get the money you've already earned, instantly.

How it works

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

01

Choose your amount

The easiest way to get the money you've earned ahead of pay day. Get up to $300 of your pay as soon as you're approved with us.

02

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.

03

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!

Wage Advance

Written by Gemma

How does wage advance work?
It's simple, you cash out your pay early and repay on your next pay day.
How often can I withdraw?
You can withdraw once every pay cycle. For eg. if you are paid monthly, you will be able to withdraw once every month. Once you have successfully repaid your withdrawal on payday, you can start withdrawing again. The activity section of your app will show you details of your repayment date and status.
How much can I withdraw?
You will be able to withdraw up to $300 based on your eligibility.
How much does it cost to make a withdrawal?
Each transaction has a 5% withdrawal and a 24% p.a processing fee. That means if you withdraw $100, your withdrawal fee will be $5. The processing fee, on the other hand, depends on a few factors such as your loan size, pay frequency and when you repay your loan. This can vary but is typically between 40c to 90c. There are no other hidden or late fees.
Can I get my funds instantly?
Yes, you should receive your funds instantly. In some rare circumstances, it may take up to 24 hours to hit your account. This is due to the configuration of the banking provider.
Why haven't I met the eligibility criteria?
Before you can make a withdrawal with us, we check that you meet our eligibility criteria to ensure that we are lending responsibly. If you are not eligible this time, this could be for a few reasons.
Here are the most common reasons:
  1. You have not connected a transacting account that your wages are deposited into. (A transacting account is an account that allows direct debits. We need this so we can process repayments.)
  2. You don't meet the minimum income requirement ($800/month)
  3. Your wages are not paid by your employer's payroll (not as bank transfers).
  4. Your Centrelink payments make up more than 50% of you wages. (We also don't accept other government payments such as pension payments as wages)
  5. Your wages are not consistent, meaning you aren't consistently paid weekly, fortnightly or monthly.
  6. You have too many gambling expenses on your account.
  7. You have too many dishonour fees on your account.
  8. You have too many payment reversals on your account.
  9. Your recent expenses and repayment history have not passed our eligibility criteria.
We run our eligibility criteria frequently and reassess your account's eligibility. This means, even if you have taken a loan with us previously, this does not guarantee you'll be able to make another loan with us and will be subject to passing our eligibility criteria.
I’ve made withdrawals before, why can’t I make another one?
Even though you've made a withdrawal with us in the past, this doesn't guarantee you'll be able to make one in the future - this is dependent on meeting our eligibility criteria.
This can happen if there are changes to your circumstances.
How can I become eligible?
If you haven't met our eligibility criteria this time, you can definitely try after your next payday. Don't worry, we'll let you know when you're eligible.

Eligibility

See if you meet our lending criteria below

Who can access Wage Advance?

  • You have connected a transacting account that allows direct debits.

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

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

  • 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.

What customers are saying about Wage Advance

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