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Maximum charges: 20% Establishment fee and 4% monthly fee (Comparison rate 199.43%) based on $1000 repaid over 6 months. Illustrative example: Loan amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly instalments of $57.60. Maximum charges: 20% Establishment Fee & 4% Monthly Fee. In comparison rate terms, the maximum comparison rate may be as high as 199.43%.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. The information on this web page is general information. The information does not take into account your objectives, financial situation or needs. Credit criteria, fees, charges, terms and conditions apply. Products and rates displayed are subject to the individual borrower's credit assessment. Examples only provide an estimate and are used for illustrative purposes only, not an offer for credit. The amount you can borrow, the interest rate and fees you receive along the product you qualify for may vary.
Viva Payday Loans > MyPayNow Alternative

MyPayNow Alternative

Pay on-demand or pay advance apps like MyPayNow can help you make ends meet when you find yourself coming up short before payday. However, such apps can easily lead you down a dangerous path of overspending and using all your income for repayments at the end of the month.

MyPayNow alternatives provide a better solution and ensure you don’t lose most of your salary to repaying pay advances. Let’s explore how MyPayNow alternatives work, how much borrowing with apps like MyPayNow costs, their key features, and pros and cons. You’ll also discover whether you’re eligible for apps like MyPayNow, the application process, and why personal loans from Viva Payday Loans are a better MyPayNow alternative.

What Are MyPayNow Alternatives and How Do They Work?

MyPayNow alternatives provide you with quick funds when you need money in a hurry. They’re instant online cash loans you can borrow from anywhere in Australia without the need for any paperwork.

MyPayNow alternatives in Australia include small loans, cash loans, and payday advances from lenders at Viva Payday Loans. You can borrow from $100 to $5,000 and get the funds within hours on the same day you apply or on the next business day at the latest.

Unlike traditional lenders with frustrating and tedious loan application processes that may have you jumping through hoops for days, applying for MyPayNow alternatives is quick and easy. Thanks to an instantaneous online application process, lenders will approve your loan request within minutes!

You’ll receive a lump sum into your account within hours after approval and get 2 to 24 months to repay. You’re also allowed to choose a suitable repayment schedule according to when you get paid, and this can be weekly, fortnightly, or monthly.

With apps like MyPayNow, you must repay the advanced amount in one lump sum. MyPayNow alternatives available at allow you to spread repayments over several weeks or months, giving you more manageable repayment.

Viva Payday Loans provides you with free access to lenders who offer some of Australia’s most attractive loan packages. You can find loans with reduced rates suitable to your budget and affordability.

If you need quick funds or some bridging cash when you’re in a tight spot, MyPayNow alternatives available at Viva Payday Loans are an excellent choice. They got you covered, whether it’s a small or significant financial need, and they’re a better cash advance option tailored to your affordability and budget.

Cost of Borrowing With Apps Like MyPayNow

Borrowing with apps like MyPayNow comes with additional fees attached. They may seem small, but they can add up to significant sums, especially if you’re constantly taking out advances on your expected salary.

Remember, not all apps like MyPayNow are the same, and you’ll find that each has its terms and fee structure. The last thing you want is to be caught off-guard, so it’s wise that you review the terms and conditions before opening an account.

MyPayNow charges a fixed 5% fee on all funds you borrow, which means you pay back the amount plus an additional 5%. If you borrow $200, you’ll pay $10, and if you borrow $400, you’ll pay a $20 fee.

Generally, the terms for pay-on-demand apps like MyPayNow will influence the amount you pay for the advanced amount. Some feature a flat fee for borrowing within specific ranges and additional costs for amounts that exceed the set threshold.

You must consider how using apps like MyPayNow will impact your budget because these amounts can gradually add up. For example, with MyPayNow, if you’re charged 5% on a weekly salary, it can compound to an interest rate of around 260% annually!

MyPayNow alternatives available among lenders at provide a better solution. The lenders follow lending guidelines set by the Australian government. You’ll not pay any interest rate when you borrow amounts below $2,000, and you only need to cater for a 4% service charge.

Key Features of MyPayNow Alternative

· High And Flexible Amounts

It wouldn’t make sense to get an advance that will not help you cover all your needs. With MyPayNow alternatives like small loans from Viva Payday Loans, you get access to high, flexible loan amounts from as little as $100 to as much as $5,000. It ensures you can cover both small and large emergencies or expenses. Ensure you only borrow what you need instead of taking out loans for unnecessary expenditures.

· Longer Repayment Periods

With MyPayNow alternatives, you’ll get a longer time to repay the borrowed loan amount. Lenders allow you to choose the period you need based on your affordability and budget. You can repay the loan in a few weeks or a few months. If you can afford it, it’s better to choose a shorter-term because interest is charged every month for the entire loan’s duration. The shorter the term, the lower the interest you’ll pay and vice versa.

· Quick Payouts

At, you’ll get matched with suitable lenders who provide loans with quick disbursement times. Our lenders don’t believe in waiting around, and they understand the urgencies involved in financial emergencies. Provided you’re eligible, they’ll approve your application within minutes and pay out the amount borrowed within hours.

To increase your chances of quick payouts, ensure you apply as early in the day as possible because some lenders may have cut-off times where they can’t make any disbursements.

Advantages and Disadvantages Of Apps Like MyPayNow Australia


  • You get easy access to short-term cash solutions without too much hustle.
  • You can make multiple transactions without any limits. Simply borrow what you need when you need it provided your account is in good standing.
  • You don’t have to make any commitments because the loan period only lasts a few weeks.
  • You don’t pay any late fees on the advance amount, but your account will be limited if you have any outstanding balances.
  • Apps like MyPayNow Australia don’t charge any interest on the advanced amount.


  • With apps like MyPayNow Australia, they cap the amount you can borrow to only 25% of your salary with limits of up to $1,250. If you can’t borrow enough to cover what you need, it can often defeat the purpose of borrowing. MyPayNow alternatives provide a better solution if you need higher amounts of up to $5,000.
  • Repayment periods are shorter for apps like MyPayNow Australia, and you’re limited to less than a month to make repayments. To avoid getting into trouble, you have to ensure you can afford to repay the loan within a short period. Consider MyPayNow alternatives available at Viva Payday Loans if you need more extended repayment periods.
  • You may be required to wait up to two business days for loans disbursement, and this can be frustrating if you have an emergency or urgent financial need. With MyPayNow alternatives, you get instant payouts, and you can get the funds you need in your account within an hour!
  • Almost all your salary can get deducted when it hits your account with apps like MyPayNow, which can easily land you into a debt cycle. A debt cycle involves borrowing every month, even after getting paid, because you remain with little to nothing to cover necessary expenses.

Eligibility Criteria for Apps Like MyPayNow

To borrow an advance from apps like MyPayNow, you need to ensure that:

  • You’re aged 18 years and older.
  • You’re a permanent resident or citizen of Australia.
  • You have some kind of employment, including full-time, part-time, on-demand, contract, or casual employment.
  • Once you remove taxes, your salary earnings remain over $300 weekly, and more than half of this doesn’t come from government benefits like Centrelink.
  • You get your salary in a bank account linkable to MyPayNow and not a savings account.

To be able to open an account and apply with apps like MyPayNow, you’ll need to provide information and documents like:

  • The system only accepts an Australian passport, open driver’s license, or a Medicare card as valid identification documents. A learner’s license or proof of age card is not accepted.
  • Contact information, including a valid email address and phone number.
  • Bank account details.
  • Employment details, salary amount, and date you get paid.

Apps Like MyPayNow Application Process

To apply for apps like MyPayNow, simply sign up by creating an account. You can then choose the amount y0u need, provided it’s within the set cash-out limit. The money is sent directly into your account once you qualify and are approved.

You can also get what you need and even more with MyPayNow alternatives like small and personal loans available among lenders at

You can quickly apply for MyPayNow alternatives through a few simple steps:

Step 1: Gather Your Documents

All reputable lenders offering MyPayNow alternatives will require you to verify your details before paying out the approved amount. Having the necessary documents ready can help you avoid delays. These include:

  • Valid Australian identification like a driver’s license, Medicare card, or Australian passport.
  • Your bank account details and online bank statements.
  • Income proof from the last three months.

Step 2: Fill In Your Details

After having the documents ready, you’ll need to capture your details by filling in an online application form at  Simply choose the amount you need and a reasonable period, then provide your personal and financial information, including your income and expenditure. Any mistakes or inaccurate information can lead to unnecessary delays, so ensure you fill in your details carefully.

Step 3: Application Review

Once you’ve submitted your application, you’ll receive feedback within 2 minutes! If your request is approved, you’ll be connected directly to a suitable lender likely to approve and payout the loan. They’ll ask for verification documents at this point, and you can easily send these electronically.

Once they verify that everything is in order, you’ll receive a loan agreement for you to review and accept. Go over it carefully and ask as many questions as possible. Once you’re satisfied with the terms and conditions, simply e-sign and return it to the lender.

Step 4: Disbursement

After returning the signed contract, the lender will disburse the approved amount as soon as possible, usually within a few hours or 24 hours at the latest.

MyPayNow Alternative

Personal Loan At Viva Payday Loans

A personal loan may be an alternative to apps like MyPayNow if you need higher amounts and more time to repay. Viva Payday Loans provides you with free access to a comprehensive panel of the most reputable lenders in Australia who offer personal loans from $100 to $5,000 with 2 to 24 months repayment periods.

You can qualify and get approved for MyPayNow alternatives even without formal employment. All you need is an alternate source of income which can be trust proceeds, freelance earnings, dividends, rental income, alimony, pension, or allowances.

The terms are favourable, and you get to work with reputable, licensed lenders who adhere to lending regulations set by the Australian government.


How long Does It Take To Receive My Advance?

60 minutes! One hour is all it would take to receive a cash advance after applying for MyPayNow alternatives among lenders at Viva Payday Loans. Apps like MyPayNow can take up to two business days.

How Do I Repay My Advance?

Apps like MyPayNow deduct the repayment from your account automatically when you receive funds. You’ll repay in one lump sum within a month, but with MyPayNow alternatives, you can repay for longer periods according to your budget and schedule.

What Credit Score Do I Need To Use Pay On-Demand Australia Apps? – Do Pay On-Demand Apps Conduct Credit Checks?

All credit scores are welcome. Your credit score will not be considered with pay-on-demand apps like MyPayNow.

What Can I Use Pay Advances For?

You can use pay advances for urgent financial needs and emergencies. You’re not limited to how you use your pay advance, but it’s wise to use it responsibly and only borrow when necessary.

Why Can’t I Access My Full Salary?

To protect you from getting into financial hardship. When you take out all your wages early, you’ll not have anything left when you repay the advanced amount at the end of the month.

Is A Personal Loan Better Than A Wage Advance?

Yes! Personal loans provide you with a higher loan amount and extended repayment periods.

Do Pay On-Demand Apps Operate Online?

Yes! Everything from application to payout is done online, and you can apply from anywhere in Australia through your smartphone or computer.

Do Banks Offer Pay On-Demand Services?

Only a few banks like CommBank offer pay on-demand services, but you must be a pre-existing customer and earn above a set limit monthly.