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Early Access to Your Wages

Stay ahead of unexpected expenses while saving on what matters most!
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Life doesn't wait for Payday and neither should you!

With Paylab Advance, you can access your wages when you need them - without the stress of hidden fees or high-interest rates.

Our retailers

Shop across an extensive array of over 25,000+ beloved Australian retailers.
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How it Works?

HW1
1. Check you Qualify

To set up your Paylab Advance, you need a valid Australian drivers license/passport and an active bank account.

HW2
2. Create a Paylab Account

Download the Paylab app and create an account within a few steps

HW3
3. Verify your Identity

Complete a quick identity verification process using your official ID

HW4
4. Apply for an Advance

Type in the amount and receive funds in your bank account within minutes!

How it Works?

To set up your Paylab Advance, you need a valid Australian drivers license/passport and an active bank account.
HW2
1. Create a Paylab Account

Download the Paylab app and create an account within a few steps

HW3
2. Verify your Identity Securely

Complete a quick identity verification process using your official ID

HW4
3. Apply for an Advance

Type in the amount and receive funds in your bank account within minutes!

Benefits Beyond Borrowing

With Paylab, you don’t just borrow - you save. By using Paylab Rewards, you can offset the 5% advance service fee with discounts on everyday purchases. This means you effectively borrow at a very low cost, while enjoying savings on groceries, travel, and more.

Pair your wage advance with Paylab Rewards to access exclusive discounts from top Australian retailers. Save on everyday essentials, travel, and more - turning your advance into a smarter financial decision.

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Fast, Simple and Cost-effective Wage Access

No credit checks
No Credit Checks
Low fee high value
Low fee, High value
Instant access
Access within Minutes
Hassle free repayments
Hassle-free Repayment

Testimonials

  • "I’ve been using Paylab for my weekly groceries since my workplace partnered with them. The discounts stack on top of the store’s existing deals, which adds up to significant savings. So far, I’ve saved close to $400 on groceries, and the payment process couldn’t be easier. I can’t imagine why anyone wouldn’t take advantage of Paylab."
    Employee
    Lakeview Private Hospital
  • "Since using Paylab, I’ve been able to stick to my budget more effectively. Buying gift cards for recurring expenses like groceries has helped me maintain discipline and save money over time. The app is easy to use, and I love seeing my savings grow with each purchase. Paylab is a fantastic way to save money on things I’m already buying."
    Employee
    Yourtown
  • "Paylab has significantly reduced my financial stress by allowing me to access my pay mid-month at times when unexpected expenses arise. It’s been a godsend and easy to use. The extensive range of retailers and the rewards system make saving money convenient. Paylab has truly been a great help for managing my finances."
    Employee
    Novated Lease Australia
  • "Paylab has significantly reduced my financial stress by allowing me to access my pay mid-month when unexpected expenses arise. The app is incredibly easy to use, and the extensive range of retailers makes it convenient to save money. Paylab has truly been a godsend for managing my finances."
    Employee
    Novated Lease Australia
  • "Paylab has been fantastic for me. As a staff benefit, it allows me to save at over 120 stores, which has been incredibly helpful. I've earned over $499 in rewards, which has really boosted my savings. The app is easy to use and full of deals. I highly recommend Paylab to anyone looking to save money."
    Employee
    Lakeview Private Hospital
  • "Paylab has become a key part of my shopping routine. I’m impressed by how much I’ve saved on groceries and petrol. The app is user-friendly, and with so many stores available, I’m always finding new ways to save. I highly recommend Paylab for anyone looking to maximise their money."
    Employee
    Yourtown

Borrow Smart, Save Big.

Download the App Today!

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