Compare Pay Advance & Pay On Demand Apps for Australians

Pay advance apps

Compare the leading pay on demand apps in Australia.

Updated 21 Dec 2023 |

Comparing of 9 pay advance apps

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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.

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Not available for application via this website

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.

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Not available for application via this website

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.

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Not available for application via this website

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.

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Not available for application via this website

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.

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Not available for application via this website

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.

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Not available for application via this website

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.