Wagetap: Instant Cash Advance

2.1
11.1K reviews
100K+
Downloads
Content rating
Everyone
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About this app

Waiting for pay day? Have an unexpected expense? Download Wagetap to access your pay instantly today!

Get Cash Instantly with Our Payday Advance App:
We’re a leading wage advance and bill split app designed to help you handle life’s unexpected expenses. Because we know emergencies happen, and sometimes you just need fast same day support.

Need Help Paying Bills? Split Your Monthly Bills into 3 or 4 Payments:
With Wagetap you can access your pay on demand instantly and cash out up to $2,000 within just a couple of minutes. We’re also one of the best bill splitting apps, enabling you to split your bill payments into smaller repayments and pay over time.

So download Wagetap today and let us help with those unexpected expenses!

How do I create an account?
1. Sign Up
2. Connect your bank account
3. Cash out instantly

What do I need to do to make a withdrawal?
When making a withdrawal for the first time, you’ll need to verify your identity with a valid driver’s license, passport or medicare card. Every withdrawal after this, you’ll be able to select your amount and cash out instantly.

How does split my bill feature work?
Add your bill details within your eligibility limit
We cover your bill for you
You repay in smaller repayments on your next few paydays.

Can I get my pay instantly?
Yes, if you’re with any major banks (eg. CBA, ANZ, Westpac) you will receive cash in your account instantly, smaller banks may take up to 1 – 2 business days.

How much does Wagetap cost?
Wagetap charges a 5% transaction fee and maximum annual percentage rate at 24% interest. For example, for a $100 loan repaid within one week, the cost would be a $5 transaction fee and $0.46 interest, totalling $5.46.

When is my repayment due?
Wagetap offers flexible repayment options you can choose from. We recommend options that aligns with your pay cycle unless you select otherwise. You can repay your wage advance at any time after the minimum repayment period of 2 days. Full repayment is required in 62 days (the maximum repayment period).


Have a question for us or need help with your account?

You can email us at hello@wagetap.com or talk to us through the Help and Support section in your app.

Business Name: Digital Services Australia V Pty Ltd
Address: Level 4, 478 George St, Sydney NSW 2000
Updated on
Jan 22, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

2.1
10.9K reviews
Mok Dobler
January 22, 2026
Thankyou Wagetap. Its app has an easy way to navigate through. Also a way to borrow and extend payments when needed. For fast payment pay id makes transactions faster. Payments are in within minutes , not hours like others. I recommend this to people on steady income.
Digital Services Australia V Pty Ltd
January 28, 2026
We appreciate the recommendation and the for sharing your tips for an even better experience. Thanks for the support!
Oscar Chanda
September 24, 2025
I have been using wagetap for 3 years now, and my limit has been $400. this month, my limit jumped to $2000, and I tried to draw down a $350 from that, but I got the message that you are not eligible. How is that even possible. my credit score is excellent, I have always paid back my loan to wagetap on time. I try reaching the customer service which takes the whole life to respond. very poor service at a time when I really needed them . one star for helping me in the past.
9 people found this review helpful
Digital Services Australia V Pty Ltd
October 1, 2025
We’re sorry this experience left you feeling this way. A recent issue with our eligibility emails caused some customers to see higher amounts than were actually available. Please reach out to us at support@wagetap.com so we can look into this and help with your concern.
abdi farah
November 30, 2025
never hard any hiccups, simple to apply and quick to get paid, and paying back quite convenient.. I love it
3 people found this review helpful
Digital Services Australia V Pty Ltd
December 12, 2025
We really appreciate your positive feedback! It means a lot and motivates us to keep making Wagetap even better.

What’s new

You can now access up to $2000 of your wage in advance!
Update your app to make sure you're on the latest version of Wagetap.