Instant Wage Advance App

Relieve the Stress of Unexpected Expenses

Access up to $2,000 of your next pay in 3 minutes, for a one time fee with no complicated repayment plans.

PAY ON DEMAND AUSTRALIA

In under 3 minutes you can use Wagetap to access your pay early

3 Easy Steps

Download Wagetap

Visit your app store and download Wagetap today. You can find our app on the Apple App Store and the Google Play Store. Easily access your wages right from your phone.

Create your account

We just need a few details to verify you, it’s fast and easy. Once you’re set up you get access to our convenient features. It’s that simple.

Withdraw up to $2,000

Access your pay instantly for just a small fee. You don’t have to wait to access your wages. Just pay us back when your next payday comes around.

ACCESS PAY EARLY

Get Fast Access to Your Wage

Get my pay now? You betcha. Access your pay whenever you need it, for just a small fee when you pay us back. No hidden or late fees, we just want to make it easier for you to access your pay now. With your wages, you can pay for the things you need. Easily cover mid-month bills, get your groceries or use it toward anything else you might need.

It’s your money! Use it how you’d like. All you need to do is pay us back on your next payday to get access to early wage advances in the future. Waiting for your wage can be frustrating when you need money. With Wagetap, you can leave waiting behind!

BILLS PAID ON DEMAND

Bill Split Can Help You Manage Your Expenses With Our Bill Pay Feature

Wagetap also provides Bill Split features to make paying bills easier. If you need a bit of help with an unexpected bill, our Bill Split feature has you covered. No hidden or late fees, we pay your bill and you repay us on your next payday.

Bill Split can cover up to $600 of your bill, so you don’t have to stress about missing a payment or paying late fees. We’ll cover your bill instantly and you can pay us back in three instalments if the payment is below $300 or four instalments if the payment is above $300. Bill repayment is always aligned with your payday, so you have money coming in to cover your repayments. You can combine our Bill Split with Wage Advance to give you even more breathing room!

FAQ

What is Wagetap and how does it work? faq dropdown arrow

Wagetap is an Australian wage advance app that lets you access your pay before your official payday. Simply download the app, securely connect your bank account, and access your wage on demand.

How do I get paid early with Wagetap? faq dropdown arrow

Getting started with Wagetap is simple. Simply download the app, sign up and securely connect your bank account. You can then see your eligibility and if you decide to take an advance funds can land in your account the same day.

How much does Wagetap cost? faq dropdown arrow

Every Wagetap withdrawal includes a 5% transaction fee plus an interest rate of 24% p.a., calculated based on your loan term. For example, if you withdraw $100, you'll pay a $5 withdrawal fee plus a small interest charge depending on how long until your repayment date. There are no hidden fees - you'll always see the full cost before you confirm your advance.

Is Wagetap a loan? faq dropdown arrow

Wagetap gives you access to cash before your next payday, but it isn’t a traditional cash loan provider. Our wage advances are shorter-term than personal loan apps and they’re typically more affordable than payday loan options.

How do I sign up for Wagetap? faq dropdown arrow

You can sign up online or on the app. You will need to download the app to connect your bank and access an advance.

Am I eligible for a Wagetap advance? faq dropdown arrow

To be eligible for Wagetap, you need to be an Australian resident aged 18 or over with a regular income paid via employer payroll into a transacting bank account.

Before every withdrawal, Wagetap runs responsible lending checks. Even if you've borrowed with us before, eligibility is reassessed each time. You can find more information on our eligibility criteria in our FAQs.

What repayment options does Wagetap offer? faq dropdown arrow

Wagetap offers flexible repayment options to suit your situation. Repayments are automatically scheduled to align with your payday, so you're never caught off guard. Some users also have access to split repayments, allowing you to spread the repayment across multiple pay cycles rather than repaying everything at once.

Is Wagetap safe and legitimate? faq dropdown arrow

Yes. Wagetap uses bank-grade encryption to protect your personal and financial data. It's a legitimate product trusted by thousands of Australians.

Does using Wagetap affect my credit score? faq dropdown arrow

Wagetap does not perform a hard credit check as part of a Wage Advance eligibility assessment, so applying will not leave a mark on your credit file. However, using our Bill Split feature may impact your credit score.

What is the difference between Wagetap and a payday loan? faq dropdown arrow

Unlike traditional payday loans, Wagetap is transparent about its fees from the start — a 5% withdrawal fee and 24% p.a. interest with no hidden charges. Wagetap applies responsible lending checks on every advance and offers flexible repayment options, making it a far more responsible short-term cash flow solution.

GET MY PAY

Why you’ll love our Salary Advance App

Wagetap helps make money less stressful. When you’re short on money for bills or waiting for your wage to pay for groceries, it can be the worst feeling in the world. We want to help people take control of their finances once and for all