Tuesday, February 27, 2024
HomeLoanAccess Early Pay in Australia: The Top Providers for 2024

Access Early Pay in Australia: The Top Providers for 2024

Securing financial flexibility and stability is an important aspect for working employees. Accessing earned wages before payday can help you gain financial flexibility and stability. In Australia, several early wage access providers offer a great solution to help employees improve their financial well-being before payday.

In this article, I will provide you with the top 10 providers in Australia for accessing early pay and the unique features they offer. But before I proceed, let me answer one of the most frequent questions.

What is Access Early Pay Providers in Australia?

Early wage access providers, also known as payroll advance or wage advance providers in Australia, allow employees to access their wages before the usual payday.

These companies assist individuals financially which helps them to solve unexpected expenses or emergencies that may arise before the actual payday. The main aim of these companies is to help you get 25% of your income to sort out your financial needs before your usual payday.

This type of loan differs from the regular one, as it’s based on your financial history and income. You can take out up to 25% of what you earn early.

Top 10 Best Early Wage Access Providers in Australia

1. Branch App

Access Early Pay

A branch is one of the leading wage access providing a platform for hourly employees. With Branch, employees can easily access their earned wages instantly through its user-friendly mobile app. The beauty of this app is that it allows individuals who are employed to view schedules, request time off, and manage their availability.

Branch is used by renowned companies like Pizza Hut, McDonald’s, Starbucks, Taco Bell, and more, making it a reliable choice for employees seeking early wage access.

Pros of Branch

  • It has a unique user interface and is very easy to use
  • It is easy to integrate with other tools.
  • Deep linking

Cons of Branch

  • The analytics are limited
  • You have access to a limited amount of money.

2. ZayZoon App

Early Wage Access

Similar to Branch, Zayzoon offers employees the option to access their earned wages instantly as a voluntary benefit. Employees can only use Zayzoon if their employers are registered or have an agreement with ZayZoon.

Individuals can quickly register and set up their ZayZoon account due to the integration with various platforms. Its payroll/HRIS technology ensures secure transactions. ZayZoon requires a government-issued ID card for you to open an account on its platform.

Pros of ZayZoon

  • Zero cost
  • Support from real people 24/7
  • You can access your wage anytime and anywhere.
  • ZayZoon is available on both desktop and mobile.

Cons of ZayZoon

  • You can only access a maximum of $200 of your earned wage.
  • Employees are required to pay a fee of $5 for every transaction they make.

3. PressPay App

early access pay

PressPay is another great provider of early wage access in Australia that allows employees to access earned wages before payday. This app is not a charity organization but a company who are willing to help individuals who might have an urgent need to settle, so they make your salary available to you as soon as possible to solve that urgent need.

The unique aspect of PressPay is that it doesn’t involve your employer, so you can easily create a PressPay account in no time. With a low fixed rate and no requiring fees, any employee in Australia can access their salary or wage before the actual payday.

Pros of PressPay

  • Your privacy is intact because it doesn’t have to pass through your employer.
  • No high interest rates or charges.
  • The turnaround time is only a matter of minutes.

Cons of PressPay

  • You can only borrow $100 per day.

4. Payactiv App

access early pay

Payactiv allows employees in Australia to access a portion of their earned wages before payday. This app provides employees with access to 50% of their earned wages via the Payactiv app, which they can then transfer to their existing bank account.

You can still use Payactiv even if your employer is not yet enrolled on the platform. PayActiv Early Wage Access Provider comes with an amazing feature called the SmartSpend. When you connect your bank account or cards to it, SmartSpend helps you develop good spending habits by suggesting safe amounts of money to spend. This feature can help you spend your money more wisely.

If you want to access your pay early wages in Australia, PayActiv is an app you can try out. It can be of great help to you. You can conduct your research by checking customer reviews on app stores.


  • Instant wage access
  • Financial wellness tools
  • No interest or credit checks


  • Limited Access to Full Pay: The app may limit the amount of money users can access before payday, which could potentially leave them short of funds to meet all their financial needs.

5. Wagepay App

pay early wages

WagePay is another trusted early wage access provider in Australia. WagePay is a financial service that allows employed Australian citizens to get 25% of their wages before payday.

To be eligible to use WagePay, you must be a citizen of Australia must be above 18 years of age, and must have a regular income coming to your account regularly.

The application process is very fast and easy. You access your cash within a few minutes of submitting your application. WagePay charges a flat fee of 5% and 24% interest p.a. They don’t conduct credit checks, so you don’t have to care about your credit score when using WagePay.

WagePay has strict rules regarding late repayments, which may affect your future access to the platform.


  • WagePay is available 24/7 all year round, including holiday periods.
  • Low fees rate
  • No interest or credit checks


  • You can only access a limited amount of your money.

6. Wagestream App

access early pay

Individuals seeking to access their earned wages before payday can do that through the Wagestream App. With Wagestream employees can access 50% of their earned salaries at any time or before the scheduled payday.


  • Even with a bad credit score, you can still access Wagestream
  • Wagestream features a help-to-save option that gives financial advice
  • Wagestream offers some of the lowest interest rates on loans, making it a great option for employees needing money.


  • you can only access 50% of your earned wages.

7. InstaPay Australia Pay Advance

InstaPay is also among the leading early wage access providers that allow employed individuals to access a small portion of their money before payday in Australia.

With InstaPay, you no longer have to wait for payday to access your hard-earned wages. Get up to 50% of your wages before payday for just $8 a month. It’s an affordable way to stay on top of your finances and take control of your money. Say goodbye to those days of waiting for your paycheck and hello to financial freedom with InstaPay!


  • No interest required
  • Instant Access: Quickly access earned wages for urgent needs.


  • Your employer must be registered under Instapay before you can use InstaPay.
  • It demands a monthly member fee of $8.

8. CashPal

access early pay

If you are looking for the best providers of Access Pay Early or Access Early Pay in Australia, look no further than CashPal. CashPal is one of the largest and latest fintech companies available in Australia.

CashPal does not lend money; it connects and assists you in finding the best-suited lender for your application. With the help of CashPal, you can access your wage in less than an hour.


  • Quick loan applications
  • Same-day access pays early funds
  • instant approvals
  • Access to more lenders
  • trusted by thousands
  • 8-minute application form
  • 100% paperless
  • 100% online


  • There may be a high level of interest in Cashpal as it is not a direct lender.

9. Paytime

early access pay

Paytime is an Australian HR-Fintech company that enables workers to have access to their earned wages on an on-demand basis without having to wait for payday. You can use Paytime as an employee only if your employer has partnered with Paytime.

To access your earned wages on this platform, you will have to contact the Paytime support team to help you arrange with your employer to be onboard to get you started. Paytime charges a 5% fixed fee on any amount you access.


  • Instant access to your wages
  • Employer Trust: The employer partnership requirement promotes organized payroll systems, fostering trust between employers and employees.


  • Users need to contact the support team for onboarding, introducing possible delays and added complexity.

10. Mypayfast

access early pay

Mypayfast understands the stress of having to wait for your pay can be frustrating when you require funds to settle urgent needs. So, they provide you with partial access to your salary in advance. With Mypayfast you don’t have to wait for payday to get access to your money, Mypayfast deposits the money directly to your transactional account to use immediately.

One of the advantages of Mypayfast is that you access your wage directly to your bank account with no transfer fee. To get started with MYPAYFAST you have to meet the following eligibility requirement.

  • You must be 18 years and older
  • You must have a regular income of at least $450 per week
  • You must be a resident of Australia with a valid Australian identification e.g. ID card, driver’s license, and so on.
  • Your salary should be credited to your everyday account as funds cannot be debited from your savings account.

MyPayFast gives you 25% of your earned salary for a maximum of $750, any time before payday. To learn more about mypayfast click on the link.


  • Quick Access, No Fees


  • Eligibility requirements, such as being 18 years or older and having a regular income of at least $450 per week, may limit access for some individuals.

Is Early Wage Access Australia a loan or credit?

No, it’s not, Early wage access providers in Australia are not credit or loan agents. Access Early Pay in Australia is designed to help employees access their accumulated wages at a fixed cost before payday. This innovation helps to reduce the reliance on loans and high-interest borrowing.


It can be a great relief to access earned wages early when unexpected expenses arise. In Australia, several early wage access providers offer innovative solutions to empower employees to handle immediate financial crises. Thanks to these providers, employees can better manage their finances.

Tech enthusiast, Content Writer, Gadget lover, Web Designer and a Chelsea fan. Passionate about all things technology. You connect with me on Facebook and Twitter


Please enter your comment!
Please enter your name here

This site uses Akismet to reduce spam. Learn how your comment data is processed.

- Advertisment -

Most Popular