--- title: How to Borrow, Spend and Save Smartly this Easter description: Take an Advance & offset the fee instantly using Paylab Rewards. Save while you spend - smart & stress-free! image: https://www.paylab.com.au/hubfs/Blogpost%20Easter%20_%203%20Apr.png --- [ Paylab ](https://www.paylab.com.au/blog/author/paylab) Apr 8, 2025 9:05:08 AM # How to Borrow, Spend and Save Smartly this Easter Easter is here! With long weekends, family gatherings and holiday spending, expenses can quickly add up. But what if you could spend smarter and save MORE at the same time? That is exactly what Paylab’s Easter Savings Basket is all about. For a limited time, Paylab users can enjoy increased discounts on select retailers - helping you stretch your dollar further while making the most of your Easter celebrations. Whether it’s picking out a fresh outfit, grabbing last-minute gifts or stocking up on essentials, these exclusive savings can make Easter more affordable, enjoyable and also help you offset your Paylab Advance™ fee completely! **Borrow, Spend & Save More with Paylab** At Paylab, we know that financial flexibility is key. That’s why we have carefully selected a range of retailers for our Easter Savings promotion, ensuring you get the best deals where it matters most.  We offer exclusive savings on categories that see a surge in spending during the holiday season - fashion, beauty, travel and everyday essentials. By leveraging a Paylab Advance™ strategically, you can offset or even negate the cost of borrowing (5% fee) through smart purchasing decisions. Instead of relying on high-interest credit cards or unnecessary debt, you can use Paylab to keep your budget in check. For example, let’s break down how a Paylab user can strategically borrow, spend and save this Easter: | Category & Retailers | Weekly Cost (AUD) | Paylab Discount Rate (%) | Monthly Saving in Paylab Rewards (AUD) | Monthly spend via Advance (AUD) | Advance fee (5%) | Net monthly impact on cashflow (AUD) | | --- | --- | --- | --- | --- | --- | --- | | Food & Takeout (Uber Eats) | 100 | 5% | 20 | 400 | 20 | 0 | | Home Essentials (IKEA) | 40 | 5% | 8 | 160 | 8 | 0 | | Clothing & Accessories (Cotton On, Shein, The Iconic) | 40 | 5% | 8 | 160 | 8 | 0 | | Health & Beauty essentials (Priceline Pharmacy) | 50 | 8% | 32 | 200 | 10 | +12 | | Sport & Outdoor (Rebel Sport, Kathmandu) | 35 | 7% | 9.8 | 140 | 7 | +2.8 | | Travel (Webjet, Uber) | 50 | 6% | 12 | 200 | 10 | +2 | | Car Essentials (Supercheap Auto) | 80 | 6% | 19.2 | 320 | 16 | +3.2 | By simply using a Paylab Advance™ for purchases at select retailers, you’re not just covering your costs- you’re actually coming out ahead! Instead of paying a 5%  advance fee, you offset it with strategic savings, turning your Easter shopping into an opportunity to save more in the long run. **Exclusive Easter Specials at Your Favourite Retailers** During our Easter Savings promotion, Paylab is offering increased Paylab Rewards at select retailers, including: - Cotton On, Shein - 5% rewards  - IKEA - 5% rewards  - Kathmandu - 7% rewards  - Priceline Pharmacy - 8% rewards  - Rebel Sport, Supercheap Auto, Webjet, The Iconic - 6% rewards - Uber & Uber Eats - 5% rewards  These savings add up fast in your Paylab Rewards wallet, helping you balance Easter expenses without financial strain supporting future eGift card purchase via the Paylab App. **Smart Spending Beyond Easter** Our Easter Specials are just one example of how Paylab helps users shop with confidence and control. We bring you exclusive discounts into Paylab Rewards  throughout the year, ensuring that whether it’s Easter, Christmas or everyday essentials, you always have a way to save. This Easter, don’t let expenses hold you back. Borrow smart, spend wisely and save big with Paylab’s Easter Savings Basket! Hurry - Easter Specials are only available for a limited time until April 30th 2025, 9 pm! *Disclaimer: Savings are paid in Paylab Rewards to be used against future eGift card purchases and depend on retailer participation and spending habits. Discounts and promotions are subject to change. Always review available offers in the Paylab app before making purchases.* ## Comments ### Related Posts ###### [Use Paylab Rewards to Instantly Offset your Advance fee! Here’s How Paylab Helps You](https://www.paylab.com.au/blog/offset-your-advance-fee) At first glance, paying a 5% fee for an Advance might seem like an extra cost. 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