Review your last buy on ProductReview.com.au
Wagepay

Wagepay

 Verified🏆 2026
Wagepay
4.8

3,240 reviews

Positive vs Negative
95%5%
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See allThumbnail
Transparency ?
4.7
Customer Service
4.6
Rates and Fees
4.6
Application Process
4.7

 AI reviews summary 

Overall sentiment for Wagepay is highly positive, with users frequently describing the service as a "lifesaver" during financial emergencies or the cost-of-living crisis. The primary appeal lies in the speed of the application process and the near-instant disbursement of funds. However, a segment of long-term users has expressed significant frustration regarding sudden eligibility changes and difficulties contacting human support when issues arise.

Pros
Speed and Efficiency: The application process is consistently described as taking only a few minutes, with funds often deposited into bank accounts almost instantly or within an hour.
User-Friendly Interface: The mobile app and website are praised for being simple, intuitive, and accessible even for those who are not tech-savvy.
Flexible Repayments: Users value the ability to split repayments, reschedule payment dates, or pay back advances early without penalties.
Transparent Fee Structure: Most users find the 5% surcharge and lack of hidden fees or credit checks to be fair and manageable compared to traditional short-term loans.
Cons
Inconsistent Eligibility: Multiple loyal customers reported being suddenly deemed "ineligible" for new advances immediately after successfully repaying previous ones on time.
Customer Support Accessibility: There are recurring complaints about the lack of a live chat or phone option, with users often receiving only automated "robot" replies to urgent email enquiries.
Reward Fulfilment Issues: Several reviewers noted they never received promised referral bonuses or loyalty rewards despite meeting the stated requirements.
Limit Reductions: Some users observed that their borrowing limits were unexpectedly decreased despite a history of consistent, on-time repayments.
Verdict

Wagepay is a highly effective tool for individuals needing immediate, short-term cash flow to cover unexpected bills or emergencies. While the automated system provides excellent speed for most, users should be aware that eligibility can fluctuate without explanation and customer support may be difficult to reach if a technical or account issue occurs.

3,240 reviews
5 M & V Cleaning Services  · Easy to use and good support team. Would use again . Branko
2 Zaens  · They do not respond to my emails or app messages for repayment assistance. They are not regulated by AFCA either.
5 Danielle H.  · Wagepay have provided funds when I needed it, thankyou wagepay.
5 Storm hodge  · Fast and simple to use highly recommended this app love it would use it all the time
2 Cody  · Dont bother holding your breath over the reward, they dont pay [Content Removed]
3 Cody  · Been waiting months for my $5 rewards but I have yet to recieve then and it has been MONTHS, I wouldnt trust it as im ablut to go to the ACCC over this
Tahlia L.
Tahlia L.QLD
 

Really frustrating. Have sent multiple emails, and only got a robot reply. Have been trying for 2 weeks now. Payment is due next week and i have heard nothing with no help. Really disappointing

Ask the reviewer
farhane.chef
farhane.chefNSW
 

Wagepay has been very helpful for me when I needed extra support with urgent expenses The process was easy to follow, and accessing the funds was simple and convenient It gave me peace of mind during stressful moments and helped me manage things when I really needed it Over all I’ve had a good experience and found it to be a useful short-term option

Ask the reviewer
christian u.
christian u.
  Fair Incentive
Transparency
Rates and Fees
Application Process

After being a loyal customer paying 98%or the time before my due date, I get a message just the other day after paying out early that I’m no longer eligible. There were several “ rewards of paying early or on time to win 1000 “ but never a word. Other places offer rewards, or increase of limit ect for good payment history yet nothing from these guys, pretty disappointed really

Ask the reviewer

Reviews with attachments

  • Thumbnail
Ian
IanQLD
  Fair Incentive

I am satisfied on how this finance company has given me an opportunity in supporting me through a financial processes to help with day to day needs.

  • Thumbnail
Timothy
TimothyNSW
  Fair Incentive

Hey I’m new to Wagepay and they are great and helpful when you submit your application and you get approved you get the money straight away? I rate this 10/10 thanks heaps Wagepay it helps heaps.

  • Thumbnail
Miriama
MiriamaNSW
  Verified

Very Good service ! I applied within 5 minutes , money been transferred in my account! really appreciate

  • Thumbnail
Damen W.
Damen W.QLD
 

Honestly was a a great experience I would remember to others

  • Thumbnail
Derya genc
Derya gencQLD
  Fair Incentive

Very good I love them so much they help me

  • Thumbnail
Jason
Jason2 posts
  Fair Incentive

Always there when you need them,just like Ur mum,lalalala,ok then Show reply

  • Thumbnail
Karl
Karl
  Fair Incentive

This really helped very fast and efficient thank u guys

  • Thumbnail
aakriti k.
aakriti k.
  Verified

This app helped me a lot to pay my bills earlier

  • Thumbnail
Matt
MattVIC
  Fair Incentive Verified

Very easy and extremely handy, helps getting through the week when short on funds

Buy Now, Pay Later Services

Find out how Wagepay compares to other Buy Now, Pay Later Services

Know better, choose better.

Compare all
  • Thumbnail
Tim
TimWA3 posts
  Fair Incentive

Great service and excellent rewards an just all out good results

  • Thumbnail
  • Thumbnail
  • +1Thumbnail
Rosa C.
Rosa C.
  Fair Incentive Verified

Well everything went so good my payments are always repaid on time and I could always withdraw on Thursdays after my payments went in today I tried withdrawing it sait 200 was available then pages changed to unable to withdraw which is disappointing i was counting on the 20p as per usual i evan gog a $5 dolla appreciation for my on time payments… Read more

repaying back and extra rewards points .so im verry dissapo8nted this time unable to withdraw and i have done every thing right and earned extra points and extra $5 buks so up till today i would of said 100 percent happy but today I probably rate this review 2 percent cause I have done everything great 3168352

  • Thumbnail
  • Thumbnail
Jom
JomQLD
  Fair Incentive Verified

It helps a lot when you need it the most. Transfer money so fast and gave me an option to split my bills. Small interest. Fast and reliable

  • Thumbnail
Jackie
JackieSA2 posts
  Fair Incentive Verified

“Wagepay has been a very reliable service for me. The advance process is straightforward, funds arrive quickly, and repayments are handled smoothly. I appreciate the clear communication and reminders, which make it easy to stay on track. Great option for responsible short-term support between paydays.”

  • Thumbnail
miodrag
miodragWA
 

wagetap has been pretty good lately but have to fix this lending criteria system but otherwise has been good

  • Thumbnail
Chantal S.
Chantal S.
  Fair Incentive Verified

I have been struggling lately due to a work injury and when I paid out my payment before it was due I received an automatic message stating unfortunately your most recent application did not pass our assessment yet I hadn’t put in an application.

Latest follow-ups

Kemiron
KemironNSW4 posts
  Fair Incentive

Wage pay is a smart easy loan with very low interest. Repayments can be split and delayed when needed and has really helped me when I needed a bit of extra cash Show 2 replies

 Follow-up  · No other fees involved My typical loadout is $400. I pay back five dollars for each $100 borrowed. Funds are usually within your bank account in 60 seconds.

renaev2
renaev2QLD2 posts
  Fair Incentive Verified

Wage pay they are a great company as they helped me out when no one else would would definitely recommend

 Follow-up  · They are not a good company is have had nothing but bad news with them and they don't help

Wagepay
Wagepay    

Thank you for the great feedback! We’re so pleased to… Read more

KLC
KLCTasmania
  Fair Incentive

Easy and quick process for applying and definitely would recommend if find yourself in a situation bit short on funds. Show reply

 Follow-up  · Personally I try to limit the times I do use it but have often used it as a top up if needed before next payday. Super simple process for repayments and can be broken into manageable repayments over a month. And you can repay early without additional fees. All fees are clearly defined and form part of the total repayment amount. No surprises.

Buy Now, Pay Later Services

Find out how Wagepay compares to other Buy Now, Pay Later Services

Know better, choose better.

Compare all

In-depth reviews

Ryan
RyanSA
  Fair Incentive

I recently had the opportunity to use the Wagepay app for a short payday loan, and I must say, I was pleasantly surprised by how seamless the entire process was! As someone who has been hesitant about taking out loans in the past, I found this app to be a game-changer. First off, the user interface is incredibly intuitive. I downloaded the app,… Read more ·  1

and within minutes, I was able to apply for a loan. The application process was straightforward, with clear instructions that made it easy to understand what information was needed. I appreciated that there were no hidden fees—just a small, transparent fee that was clearly outlined before I confirmed my loan.

What really stood out to me was how quickly I received the funds. I submitted my application in the morning, and by the afternoon, the money was in my account! This kind of speed is invaluable, especially when you’re in a pinch and need cash fast.

Customer service was also top-notch. I had a couple of questions during the application process, and the support team was responsive and friendly, which made me feel more at ease. It’s nice to know that there’s a real person on the other end who is willing to help.

Overall, I highly recommend the Wagepay app for anyone in need of a short-term loan. It’s quick, easy to use, and the fees are reasonable. It’s a reliable option for those unexpected expenses that life throws your way. I’ll definitely be using it again if I find myself in a similar situation!

S V.
S V.3 posts
 

Frustrating and Untrustworthy Experience with Advance Wage Pay Services I cannot stress enough how disappointing my experience with Advance Wage Pay Services has been. I had a flawless wage pay history and never missed a payment, yet they inexplicably blocked me for reasons that were utterly nonsensical. It felt like they were looking for any… Read more

excuse to cut me off, and their lack of communication made the whole situation even worse.

When I reached out to customer service, I was met with indifference and vague responses that offered no real help like my IP and other non sense excuses. It was as if they didn’t care about their customers at all. I felt completely disregarded and unvalued, which is unacceptable when you’re relying on a service for financial support.

This experience has left me feeling betrayed and frustrated. I would strongly advise anyone considering Advance Wage Pay Services to think twice. There are far better options like MypayNow and wagetap out there that actually value their customers and provide reliable support. Save yourself the headache and look elsewhere

Wagepay
Wagepay    

Hi SV, Thank you for reaching out, and we are genuinely… Read more

PJK
PJK3 posts
 

Better than the rest out there ! (So far!) – I guess I’m like the majority of people here… low to middle income earners trying juggling their finances! I’m stating this purely because of the judgement and crap I get put thru from other payday lenders, by giving low cash out limits OR giving you an absolutely excessive limit for a few pay cycles then because they notice you’ve loaned off more… Read more ·  1

than one lender or at their discretion for no reason at all they take you from a $1k limit to $50! Like WTH!? Of course I’m not as financially stable or in a situation however I’ve always made all repayments on time in full! That’s why I’m here trying to keep my head above water! I mean correct me if I’m wrong but I’m sure all these payday lenders aren’t targeting the rich, money savvy, Uber savers of the world! So far Wagepay have been nothing but a lifesaver for me with simple, quick easy money when I’ve needed it and more importantly they’ve bumped my limit up and kept it there ! So far … please don’t be like these other judgemental, game playing, annoying lenders !

Recent reviews

craigs532023
craigs532023
  Fair Incentive Verified

It was so easy to sign up through the app and it only took about 3 minutes to apply and the money was in my bank, excellent experience and I would recommend them to anyone who wants quick cash easily.

Keggles
KegglesSA4 posts
  Fair Incentive

Wagepay has been a lifesaver when things get tough. The app is easy to use and fees etc are transparent and you know exactly what your pay advance is going to cost. I also like the fact you can split repayments or change repayment date if the current one doesn’t suit.

Jlee
JleeQLD
  Fair Incentive Verified

Wagepay is a simple app to use and is very easy even for people who are not tech savvy. I would highly recommend this to anyone who needs a bit of money before their payday as we all know the cost of living is insane however wage pay got me through the fortnight.

Shir-lene Crager
Shir-lene CragerQLD2 posts
 

Wage pay come in handy when you are short. only thing I think is it should go by your history how much they lend you and not by your bank account details and maybe a little longer to payback would be a great idea. So give them ago if you need that extra little bit of help to get you through

Irene Dove
Irene DoveNSW2 posts
  Fair Incentive

I have been using Wagepay for quite some time and it is so beneficial for my budgeting and living expenses. Times can be tough and this app always accommodates ny needs. Thank you Wagepay!

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.