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6 Best Apps Like Beforepay & MyPayNow [Australia 2024]

6 Best Apps Like Beforepay & MyPayNow [Australia 2024]

Apps Like Beforepay and MyPayNow – If you find yourself short on a budget before your payday, a pay advance or a pay on demand app can help you. Both Beforepay and MyPayNow are leading Pay on-demand services in Australia. 

Unlike other BNPL apps, Beforepay and MyNowPay let you borrow money for certain purchases and they both give quick access to salary in a transparent and flexible manner. 

Having similar interests, both apps help you enhance your shopping experience. Similarly, its alternatives also come with useful features. 

So, from the Beforepay and MyPayNow alternatives that are listed in this article, you can choose a perfect service that meets your requirements. 

Apps Like Beforepay and MyPayNow

Here is a curated list of the top apps like Beforepay and MyPayNow that let you access a small portion of your salary before your payday.


wagepay  apps like Beforepay

We have Wagepay in the first place on our list of the apps like Beforepay and MyPayNow. Wagepay is the latest fintech that let you get early access to the wages that you’ve earned with your employer.

Unlike its competitors, it mainly focuses on employed Australians. And it only takes around a few minutes to complete the application process and have wage advance in just 60 seconds. 

How Does Wagepay Work?

In order to use Wagepay, you should be an Australian citizen who is at least 18 years old. If you meet these requirements, you can create an account with Wagepay. 

And you should also earn wages in your personal bank account. So, if you receive a regular and consistent income from your employer, you can easily get qualified for an advance. 

Once you are approved, you’ll receive the cash in your bank account instantly, which you are required to pay back on your next payday. 

If you miss a payment, you’ll have to make up the payment as soon as possible to prevent any difficulty in accessing the service again.  

Wage Advance Offer: You can be approved for a limit of up to 25% of your wage in line with your pay cycle to a maximum of $2,000.

For instance, if you get paid $1,000 in the bank every two weeks, you can request up to $250 as an advance. Also, note that the minimum amount you can withdraw per advance is $100. 

Fees: It charges a maximum 5% flat fee and 24% interest per year for its service. You can see some examples of this by using the repayment calculator on Wagepay's homepage. 

Access money within a minute You can only access a small amount of money 
No direct debit, administration, monthly, or dishonor fees
Does not affect your credit score

Commbank AdvancePay

Commbank AdvancePay apps like mypaynow

Commbank AdvancePay is a popular pay advance app and MyPaynow alternative in Australia, which provides access to your money that you expect to be paid before your next payday. 

Without the involvement of your employer, you can access up to $750 of your paycheque before your payday. Besides, you can access features like spend tracker, and bill sense, which helps you with managing your budget. 

How Does Commbank AdvancePay Work?

It’s easy and simple to apply for Commbank AdvancePay, all you need to do is to answer a few simple questions about your pay. Besides, you should be registered for NetBank, and meet other lending criteria. 

Once you are approved, the maximum amount you can access will either be available within seconds or may take up to one business day. 

In order to repay, you’ll need to ensure there’s enough money in your account on your chosen pay date to repay your CommBank AdvancePay. This amount will be automatically deducted from your account. 

Wage Advance Offer: You can get access to a minimum amount of $300 before your next payday and the maximum amount you can access is up to $750. 

Fees: Fees are based on the amount you ask for; this means there is an upfront fee of $5 for every $500 you ask for. 

For example, if you request for an amount between $300 and $500, the fee amount is $5. And if you request money between $501 and $1,000, the fee amount is $10. Visit here for information on fees. 

Moreover, if you don’t repay on time, your account will be determined overdrawn, and you’ll be charged the debit excess interest rate, which is currently 14.90% p.a. 

Quick and easy approval processCharges a transaction fee 
Fees are based on the amount you ask forInterest charges for late payments 
Access to a personalized budget 


MyPayFas is another app like BeforePay, with MyPayFast, you don’t wneed to wait around for the money you’ve earned and you'll get paid early! So, without having to go to your employer, you can access your money before your payday. 


Moreover, you can access your funds whenever you require them the most. One of the best things about MyPayFast is that it makes sure that the process is very confidential. 

How Does MyPayFast Work?

Getting started with MyPayFast is fast and simple. You just need to enter your personal details, upload a banking statement, and verify your identity by using the Australia Posts trusted ID verification Portal. 

You can access up to 25% of your salary for a maximum of $350 and your repayment will be a direct debit from your bank on your payday. 

Wage Advance Offer: You can access an advance of up to 25% of your average income at once. The maximum amount you can access is $350. 

Fees: Irrespective of the amount you advance, it charges a flat 5% fee. This fee covers system expenses, application reviews, and direct debit costs. 

No interest or hidden feesThe maximum amount you can access is only $350
Easy and quick application processCentrelink applicants cannot access
Ensures confidentiality 



WageTap is another Beforepay alternative in Australia that let you access your pay early up to $300!

Before you can make a withdrawal, you’ll need to meet their eligibility and note that you can only make one withdrawal at a time. So, with WageTap, gain financial flexibility, control your finances, and make the right financial decisions. 

How Does WageTap Work?

After you create an account with WageTap, you can request a cash advance. Although you should receive your funds immediately, it may take up to 24 hours to get into your account. You can withdraw once every pay cycle. For instance, if you are paid weekly, you can withdraw once every week. 

Your repayments are due on your next payday. Once you have successfully repaid your withdrawal, you can withdraw again. From the activity section, you can view details of your repayment date and status. 

By any chance, if you fail to make a repayment, you’ll be notified through email and will also get a notification of the next direct debit attempt date. Besides, you should note that it currently doesn’t allow early repayments. 

Wage Advance Offer: The maximum amount you will be able to withdraw is $100 at a time. 

Fees: It doesn’t charge any interest or ongoing fee. The only fee it charges is a flat-rate fee of 5%. For example, if you withdraw $100, it’ll charge $5. Apart from this, there are no other hidden fees.

There is also a 24% p.a. processing fee which depends on a few factors like your pay frequency, loan size and when you repay your loan.

No interest or ongoing feesLow initial withdrawal amount 
Quick application processShould repay every loan before making a new transaction 
Extra money-saving features



PayActiv is another popular pay advance app in Australia that offers cash advance on wages that you’ve already worked but not yet got paid. 

It is partnered with several businesses to provide on-demand access to employees. Similarly, it offers other financial services like savings, budgeting tools, and financial health measurements. 

How Does PayActiv Work?

You can use PayActiv even if your employer isn’t enrolled in PayActiv. It uses time and attendance information to offer earned wages. 

And if you have PayActiv from work, you can view the number of hours you’ve worked and your current earnings in the app. 

Furthermore, you can transfer the accessible amount to your card, or bank or simply get it as cash from a Walmart Money center. 

Transferring money to a bank account and other cards generally takes 48hrs. As for the repayments, funds that you have accessed will be deducted on your next paycheck. 

Wage Advance Offer: You can access up to 50% of what you have already earned. However, the maximum accessible amount is determined by the employer. 

Fees:  All fees to access your earned wages are less than $3.

Further, it charges a $1.99 processing fee for instant deposit to cards other than Payactiv cards and for cash pickup at Walmart stores. 

Besides, if you aren’t using a PayActiv card, there is a program fee of $1 for using bank transfer, card load, Bill Pay, cash access, Amazon, or Uber. This fee can be capped at $5 per pay period. 

Offers an easy enrollment processFees applied based on where you have funds deposited  
Ability to send and receive money Instant funding requires a PayActive card
No activation fees, monthly fees, maintenance fees or other fees 
Available to hourly employees


zayzoon Apps like MyPayNow

ZayZoon is one of the best Beforepay and MyPayNow alternatives that provide you access to your earned but unpaid wages to prevent late bill payments, payday loans, and overdraft fees. 

In this way, it can assist them to manage their cash flow and make up for any unexpected expenses between paycheques. However, if your employer doesn’t have an existing agreement with ZayZoon, you cannot use it. 

Moreover, it also features a financial wellness program, which can be accessed by all employees irrespective of whether you choose to access wage funding or not. 

How Does ZayZoon Work?

To get started with ZayZoon, you’ll need to create an account by providing your personal information and you’ll also need a copy of a government-issued ID to ensure it is only you. 

When you ask for a cash advance, it considers a few different ways to send you money. If you choose the bank account direct deposit option, it can take up to 1-2 business days. And if you have a debit card or other supported pay card, funds can be transferred instantly. 

Once you successfully request a payout, the amount you received, and the fee will be automatically shown on your next paycheck. This means funds are automatically deducted from your paycheck on your next payday. 

Wage Advance Offer: You can access up to $200 at a time. And your available limit is based on your already earned, yet unpaid wages. 

Fees: There is a $5 flat fee to avoid late bill payments, overdraft fees or to cover a cash flow. 

Set up an account within minutesYou can only access a small amount of money
Provides financial wellness platform 


PressPay Apps Like Beforepay

PressPay is a wages on-demand service that let employees to access their money before their payday through a simple SMS service.

Unlike other apps listed in this article, it doesn’t go through your employer. So, even if your employer is not partnered with PressPay, you can still be able to access money. However, if your employer tends to become a partner, you can be able to get additional benefits like free withdrawals.

How Does PressPay Work?

All you need to do is to register for free within two minutes by simply entering your mobile number and filling out a quick online application. Then they’ll evaluate your available balance and if approved, you’ll get a text message back confirming your details and get eligible within 5 minutes.

It’ll also let you know how much of your earnings you can access immediately. On your next payday, the borrowings are automatically repaid from your nominated account.

You should note that PressPay cannot be accessed if you are self-employed and you should earn at least $450 every week and you must have a weekly, bi-weekly, or monthly pay schedule.

Wage Advance Offer: The maximum amount you can access through PressPay is $100. For instance, if you wish to withdraw $100, you’ll have to pay a $5 service fee.

Fees: Although it doesn’t charge interest or any other hidden fee, it does charge a service fee of 5% of the drawdown amount.  

No interest and no hidden feesLimited withdrawal amount
Get a decision within a few minutes 
No monthly or other ongoing fees 
Request your money by simply texting the lender 


wagestream reviews

Wagestream is one of the top money management Wagetap alternative where you can access 50% of your income before your payday. By offering financial services and products, its main aim is to enhance the financial support of all employees.

In the Wagestream app, you can set payment reminders, check that shifts are logged ahead of payday and track what you earn in real-time. Keeping track of your earnings can assist you plan and make informed spending choices.

Furthermore, you can access the Wagestream’s learn section which comprises tips, tricks, and short in-app courses to help you learn how to regulate your money better.

How Does Wagestream Work?

In order to get started with Wagestream, you need to be an Australian citizen or a permanent resident and be at least 18 years old. Most importantly, note that your employer must also be partnered with Wagestream.

Now, download the app on your device for free and sign to access a portion of your earned income, every hour, and every day. And at the end of the pay period, any of your salary that you haven’t already accessed will be paid as normal.

Moreover, you’ll also get a monthly statement detailing any activity you’ve made.

Wage Advance Offer: Typically, your employer regulates the percentage of your earned wages available to you which is usually between 30% – 50%.

Fees: Irrespective of the amount, your each stream will cost a convenience fee of £1.75. remember that since it’s not a loan, you’ll not get any credit, and you won’t be charged any interest.

Visit here for further information on fees.

No interest  Employer must be partnered to this service for you to access it
Gives financial independence to control your financesShort term loans of up to 31 days
Eliminate the need for credit card debt, a payday loan, or overdraft feesThere is no option to sway repayment

Summing Up: Apps Like Beforepay and MyPayNow!

All the Beforepay and MyPayNow alternatives listed in this article offer small or short-term loans and can be used to cover unexpected expenses. 

These apps are specially developed to help Australian citizens to cover small expenses like groceries, travel costs, and essential bills, or to cover the gap in funds.

Although most of these apps are entirely interest-free, some may charge a fee if you fail to repay the full amount. However, we can certainly say that this type of financing is considerably cheaper than traditional credit card services. 

Moreover, before applying for any of these apps, don’t forget to check main factors like minimum income requirement, maximum wage advance offer, fees, and repayment time. Hopefully, the above article may help you choose a perfect service that meets your preferences. 

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