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Financial wellness for all

Financial wellness for all

Borrow, Spend and Save - All in one Platform 

Access a cash advance in minutes.
Use it smartly, repay with ease, and
maximise your savings — all in one app.

Paylab Advance
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Wondering if
You're Eligible?

Whether it's a broken washing machine or a last-minute expense, Paylab Advance could help. Use our quick quiz to check your eligibility - no impact on your credit score.

This quiz provides an estimate of your loan eligibility and is for your guidance only. The result is not a reflection of your Advance loan application results.

Wondering if You're Eligible?
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How Paylab Advance Works

  • step 1

    #1 Download and Sign up on Paylab

    Download the Paylab app from the Google Play Store or Apple App Store and sign up within minutes. Once you're in, you'll have to access Paylab Advance and Rewards.

  • step 2-2

    #2 Apply for Paylab Advance and Get Approved

    Select the Paylab Advance option and start your assessment. Simply link your bank account (where your wages are deposited) and we'll do a quick review. Based on your cash flow, we’ll show you how much you can access.


    Disclaimer: a $5 application fee applies which is refundable at the time of repayment. T&Cs Apply

  • step 3-2

    #3 Verify your Identity

    For security, we’ll ask for a few details - your name, date of birth and address (just as they appear on your ID). Upload your Australian passport or driver’s license and we’ll handle the rest with a quick verification. 

  • step 4-1

    #4 Get your Advance & Repay Easily

    Once verified, choose the amount you need (up to your limit), approve the loan agreement and your funds will be sent straight to your bank account - usually within minutes. Repayment is automatic and scheduled for your next payday, so you don’t have to worry about a thing. 

How Paylab Advance Works

1 Download and Sign Up
Get HW1started by downloading the Paylab app from Google Play or the App Store. Complete a simple registration process.
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Description Text is Optional
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Use Your

Advance

Smartly and 

Save More

Offset the one-time 5% fee by purchasing discounted eGift cards through Paylab. Save on groceries, fuel, entertainment and more - make your money go further.  

 

 

Who can Apply For a Paylab Advance?

 

You should be eligible if you are:

  • 18 years or older

  • Hold a valid driver license or Australian passport

  • A sole bank account holder with at least 3 months of activity

  • Your bank account shows a regular income (education entry payment, job seeker and youth allowance are excluded)

⚠️

Unfortunately at this stage, we are not able to connect to Up Bank or ANZ Plus accounts and as such, recommend users with abovementioned accounts to try to connect with a different bank account.

Please ensure that your bank account accepts New Payments Platform (NPP) for the immediate access of your advance withdrawals.    

Download the Paylab App Today!

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