MyPayNow

MyPayNow is an Australian wage-access extension that lets you access up to 25% of your pay early, almost instantly. Funds are deposited quickly—often within 60 seconds—after you request them, and repayments are automatically scheduled to your pay cycle. You can repeat as often as you like, up to your available funds.

Fees and privacy: There’s a 5% transaction fee and a 24% APR. For example, a $100 advance for one week would total $105.48. No employer contact; your privacy is protected and you repay on your chosen window (2 to 62 days) aligned with your pay cycle. Available to residents of Australia only and subject to local laws.