MyPayNow

Hi guys keep way from this mob there scammers they selling ur information to market people non stop phone call my paydaynow even bribe there customers to ref there friends to join both get 50 buck each that call bribery to try trap customers they say everyone deserves second chance on blogs yeah rite not true there ceo use work for sunshine loan… Read more

so he no how to rip people off I hope department of fair trading get involved does it investigation hope there lost leading license just like how cigno loan lost it for ripping off people real hope so

Unsure What's Going On? – Hi, I've been trying to take out a wage advance using the MyPayNow app on both my phone's, and through your website on my computer, but it doesn't let me. Once I login to my account and click on the Continue button, it keeps showing the message Processing your payments... Please return shortly and it doesn't go any further. I have already sent you… Read more

an email about this. Can you please let me know what's going on with my account as soon as possible? I've never experienced this issue with the app before, and it started all of a sudden yesterday evening.

Honest, reliable and fast wage advance provider – I feel compelled to leave an honest, detailed review after using this service several times over the past couple of years. A lot of people only write reviews for services like this when they encounter a problem, resulting in the ratings being unfairly skewed towards negative reviews. Keep this in mind when looking at the overall rating for this… Read more ·  1

service.

In my opinion, MyPayNow is by far the best short-term loan/wage advance provider on the market! This is because of the following reasons:

- No credit checks required! They have a fast and easy application process that securely accesses your bank statements online to automatically verify your wage amount and ability to repay the loan. Applying for or taking a loan from this company does not show on your credit report or have any impact on your credit score. The application is processed instantly.

- Funds transferred and available instantly through OSKO 24/7. So long as your Bank supports OSKO instant transfers, the funds will be available in your account immediately. If your bank does not support OSKO, the funds are still transferred to your account immediately but may need 1 business day to clear and become available for use.

- Very straight forward fee structure with no hidden fees or charges. This is where the service really stands out compared to their competitors. They simply charge a single, flat rate of 5% on top of the amount borrowed which is repaid by direct debit on pay day. There are no late fees, direct debit dishonour fees, default fees, surcharges or any other hidden fees applied, even if you miss a repayment!

If you are struggling financially to repay the loan on pay day, you can easily nominate to either delay the repayment or split the repayment over two pay cycles in the app. There’s no extra fees for nominating to do this. If you’re still struggling and neither of those two options are sufficient, then their friendly customer support team is available to discuss other repayment options with you. Early repayment of the advance can also be processed in the MyPayNow app.

Overall, I am extremely impressed with MyPayNow and have had a very smooth experience each time I’ve used them over the years. After using MyPayNow for the first time and creating an account, there is no need to submit a new application or fill out details to use them again. If you need another wage advance in the future, all you need to do is select the amount you’d like to borrow in the app and it is transferred instantly.

I know this review has been quite long but I hope others may find its information helpful. In what is usually a market full of predatory lenders, MyPayNow stands out as an honest and reliable lender which I trust to be there for me if I ever need some emergency funds.

App won't let me pay back balance and referred to Debt Collector! – Terrible App. Tried to pay off balance a number of times after direct debit failed and button doesn't work. Keeps saying pay or risk it going to collection agency, and when I click on link it just refreshes to same page. MyPay Now wont give me bank details to pay off account and sent to collection agency ANR, even though in app button to pay now,… Read more

is still there. It's faulty and so is the app. Dealing with collection agency runs the risk of being reported on my credit file as a result after I have done everything right. It's the My Pay Now app that's faulty. One person at help centre said they would recall if I paid them on that day. Didn't see email reply until after the day. Emailed back and forth all day today saying if they called me I could pay today over the phone as every link they have sent me in the past to app doesn't work. Mypaynow refused insisting I deal with collection agency. Reporting to ASIC and Ombudsman and posting a cheque to pay outstanding amount.

Shortest term loans at its finest – When this company was first announced on Nova 919, it would be advertised almost every hour when I was at work. A bit of skepticism at first so I gave it a few weeks before trying it myself. MyPayNow offers customers 25% of their average pay packet in advance in exchange for a small service fee. Let’s say you wanted $50, you’ll pay back $52.50… Read more ·  1

whenever your payday arrives. That means for every $50 you withdraw with their app, you’ll only pay $2.50 (subject to change without notice and excluding any default fees thereafter).

I find applying for MyPayNow is very simple and straightforward. For anyone curious, there are no credit checks involved so it won’t affect your credit rating. You’ll need basic information like ID, phone number, email address, employment details etc.

MyPayNow does not get in contact with your employers. This is all done with sending bank statements that shows where your salary is coming in. This all takes a couple of minutes, and can be done 24/7. I’m not sure if there is someone behind a screen that manually checks this every now and again but you will need online banking to proceed any further.

I have only encountered one issue when sending my bank statements and that is they cannot find your salary unless you state when your last pay day was put through. If you don’t state this, you’ll get an error saying you are not working at the moment.

Taking out money are only in increments of $50 or $100. If it’s less than $50, you can do $10 or $20. Say for example, if you have $500 available to withdraw and want to take it all out, you’ll need to take out $100 5 times. I know that’s more effort but that’s how the app is represented. You’ll get a contract which you’ll have to agree to. I had a good read and it’s pretty much any typical contract if you were getting a loan.

The money goes into your account pretty much instantly but could take up to 5 minutes.

You can however be declined for various reasons. Make sure you are not a heavy gambler, because this is one of the reasons.

Whenever your next payday is, that is when your repayments are taken out. Once you fully repaid your owing, you can withdraw again providing you are still employed.

When payday does come, expect your money to be debited for what you owe. However, once this happens, withdrawing again in the app is not possible as the money has to clear on MyPayNows side so you need to wait an extra 2 or so days.

Excellent customer service and easy to use – I’ve used Mypaynow a few times this year and they are excellent. Really honest, really easy to use platform, they are responsive and for a pay day lender incredibly transparent, and ethical. Highly recommended service especially in tough economic times, and when life happens. Show reply

Absolutely wonderful! – Fantastic customer service, always ready to help with any situation that may arise. Thank you MyPayNow for all your continued help and support, absolutely wonderful! Show reply

Mypaynow are exceptional small loan lenders – MyPayNow are exceptional to deal with. Their customer service is 2nd to none. They offer affordable advances & flexible repayments over up to 4 pay cycles at a very reasonable fee. They have helped me out of a tight spot on several occasions. Can’t recommend them highly enough. Show details ·  1

Unsure why? – I used this app all the time but today I paid it out early an then my accout got disabled. I have no idea why an I havnt received any replys to my emails

Thieving fools – Zero stars this company are thieves !!! Took my repayment out twice then blocked me from using the service ! Won’t reply to attempted contact via app or email ! Surely that’s not legal ?

will no longer use your services – second time you have cut access & my repayments have been on time always & even early repayments made, this app was the best one to use.. but not anymore

AVOID LIKE THE PLAGUE – These guys have taken multiple payments out of my account. After trying to pay out my balance early and being met with a payment fail message, i noticed that on my bank statement, it had come out twice! Trying to contact someone about it has been near on impossible. No one responds to messages or emails. After EVENTUALLY being contacted, i was… Read more

assured over paid amounts had been reversed and would be back in my account by end of business yesterday. I am still yet to see the money. However, not only that, but they have now taken out a 3rd payment! This has left me unable to buy the basic minimum needs to live, or pay for my other financial obligations. I am now being met with complete silence. It seems theres a lot of other people experiencing the same. Absolutely disgusting. Ill be taking this way further. Zero stars. Do not deal with!!!

AVOID THIS COMPANY – Decided to pay out my advance early and got hit with “technical error, try again”. Did it a second time and received the same message. Checked my bank account and saw two payments made with the app still reflecting my payment is due this coming Friday. Send a message to support via their useless submit a form system and haven’t heard anything… Read more

back for 24 hours. I’m now out an extra $500 with another scheduled direct debit due in 2 days DESPITE this having been paid for TWICE! Feel like my money has been stolen and helpless. AVOID! AVOID! AVOID!

Shocking customer service – I wouldn't even give this service a 1star rating. I was a Customer but permanently closed my account. My partner wanted to sign up and was denied due to a joint bank account. Makes no sense . Shocking Customer service

unsatisfied service – if I could give no stars I would.. poor service. very very poor service and unprofessional attitude will not be using the service again. this company is a theft who likes to prey on the mentally ill

Poor service and stolen money from me – Stolen money from me and won't provide a reason. I paid my advance early and they took payment twice and not responding to my emails. App won't even work to show if the original payment went in. Waiting three days now for a valid response.

Nasty Company – They allow me access at 6.30 am Friday morning to $165, I asked for a $50 increase at 9 am and they then canceled me from getting any loan at all. Mind you I have been a customer for a fair while and never missed a repayment and followed all the rules like a good trustworthy customer. This company doesn’t care if your the perfect customer… Read more

following all the rules, they will drop you at the click of their fingers. If you really need financial help try another company who will treat you with respect and decency and not treat you like garbage. You can’t rely on this company, when you really need them is when they will let you down.STAY AWAY

Repaid early and the took it again anyway – EDIT: I keep being sent the same scripted robotic response by multiple different people and can’t get a straight answer. All I asked for was at the very least just return the interest to me, since I’ve paid 2 lot and interest because they took 2 payments. Nada. I repaid my advance 5 days early….and then they took the repayment out again today,… Read more

leaving me with nothing. I have $1.34 in my account and no way of getting home or getting to work for the next few days. No response from customer service as of yet and I have no idea what I’m going to do.

Great customer service – Really great service for small quick loans. Depending on your income depends on the amounts you can choose from and if you are concerned of a late payment you can request an extension. When contacting customer service they were friendly and understanding and would help in anyway they could. Really grateful there are options available for people on low incomes. Show reply

Exceptional service! – Would definitely recommend MyPayNow! Exceptional customer service, prompt replies to all emails. Efficiently assisted me with all my enquiries. Big thanks to the team!! Show reply

There is no other MyPayNow the best – I have been a customer of MyPayNow close to 3 years now and the staff and service they provid is like no other. I get paid monthly use their funds quiet regularly I pay back what is owed and used again like revolving credit with a small fee of $65 each month. Anyway team each an everyone of you are amazing response time in emails like so quick my… Read more ·  1

recent experience with staff member Niamh all I can say she’s amazing had query about a payment extension which I rarely ask for it was no issue. Thank you Niamh ♥️♥️♥️⭐️⭐️⭐️⭐️

Fantastic service , fantastic product – Great product , great value , handy & nothings ever too much trouble if unexpected issues arise .. dont know how i survived without them . Show reply

Amazing – Where do I start! I Love using MyPayNow never once had any issues with them! Always respond to my queries within an me business day! Offer solutions and provide the No. 1 customer service! I have been dealing with Maggie since Monday night and she is by far an absolute Gem! Sorted out my issue and all is good in the world! I don’t understand… Read more ·  1

others having issues as I have never once in the last 2 years had any issues and compared to other companies they win hands down! Keep up the good work especially Maggie

Fabulous customer service – I was able to get an Advance on my pay, so easy but system misread my pay monthly date, due to early pay because of weekend. Phoebe was so friendly and very happy to help. Pay date sorted. Show details ·  1

**** DON'T DO IT *** – This company is so incompetent & unprofessional... Don't expect a reply within 7 days of any enquiries!! Even low amounts borrowed seem to drag out forever in repaying!! Will send to a debit collect for balances under $100 ruining your credit rating via sending it to ANR (Australian National Recoveries), if ONLY one payment is missed. They… Read more

took two repayments from my account when there was only one repayment owing to complete the balance; then of course didn't refund the $90 extra payment they took & don't respond to emails..

How the ACCC isn't onto them is beyond me!!!

I paid back early and they thanked me by taking it again – I paid back my balance early only to have the same amount direct debited 4 days later. This has caused me to miss an Important payment, all because I paid back early. They have refused to help until the second amount cleared (the one they technically stole from me) So I’m still waiting for that. They’ll say things like public holidays caused… Read more

it, but they still magically had time to receive the first payment, send me a receipt for it, and encourage me to borrow again!

Vague and frustrating help through customer support.

Will never, ever, use them again.