Paylab

Life doesn't wait for payday and neither should you! With Paylab, you can access earned wages whenever you need them; without any hidden fees, high-interest rates or long approval process - just a 5% fixed advance fee. This fee can be easily offset with Paylab Rewards. By using discounted eGift cards from top Australian retailers, you can save on many essentials everyday, turning your wage advance into a smarter financial choice. Instead of just borrowing, you are making your money work for you.

Why choose Paylab?

No Credit Checks: Access your wages stress-free with no impact on your credit score

Low fee, High value: A simple 5% Advance fee that you can offset with Paylab Rewards savings

Instant Access: Get approved and receive funds in your bank account within minutes

Hassle-free repayments: Repayments are aligned with your pay cycle and are automatically deducted from your bank account



How it works

To apply, you must be employed with regular income, have an Australian Driver’s License or Passport, and specify your pay cycle

Download the Paylab app, sign up and link your bank account where your wages are deposited

Quickly confirm your details using your official ID

Enter the amount you need and receive funds in your bank account within minutes!

We have partnered with Illion to access your bank account statements securely, ensuring your data remains private and protected

More than just an Advance

With Paylab, you are not just accessing your earned wages early - you are also unlocking exclusive savings! By using Paylab Rewards, you can offset the 5% advance service fee with savings on everyday purchases. This means you effectively borrow at a very low cost, while enjoying savings on groceries, travel, and more.

Join thousands of Australians saving with Paylab! Download the app today and experience the smarter way to access your earned wages and save!