This was posted 2 years 6 months 6 days ago, and might be an out-dated deal.

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$50 When You Create a New Account via Referral Link and Request a Wage Advance (5% Fee, Minimum $5) @ MyPayNow

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$50 When You Create a New Account via Referral Link and Request a Wage Advance (5% Fee, Minimum $5) @ MyPayNow
Go to Deal
george668 on 16/06/2022 - 16:45 mypaynow.com.au (937 clicks)
Last edited 01/11/2022 - 14:05 by 2 other users

The $100 promotion has ended. Luckily I caught it in last 5 mins:)
If you missed out, here is another chance but $50 instead.

Terms & Conditions

  • To qualify for the MyPayNow Earn Money Program:
  • You must be a new MyPayNow customer (never had an account before)
  • You must create an account
  • You must take a wage advance.

*Please see website for full Terms and Conditions
Expires 30th June 2022 31 July 2022

Steps for me go gain profit:

  1. Sign up.
  2. Request advance for $100.
  3. Receive $100 requested advance and the $50 referral bonus instantly.
  4. Make a repay immediately.

FAQ
No a credit check is not done
Yes you do login to your bank online through a secure third party browser so they can scan for your wages in your account.
Yes the bonus money is instantly deposited into your account along with the requested advance.

Please use referral randomiser below, don't put referral requests or solicitation in the comments.

Referral Links

Referral: random (245)

$50 for referrer and referee after referee takes wage advance.

Financial Loan

Related Stores

MyPayNow
MyPayNow

closed Comments

  • Aureus on 16/06/2022 - 16:49
    +1

    $50. Meh. Was worth it for $100.

    • payless69 on 17/06/2022 - 15:55

      now your net gain is $45.
      3 x better than the crappy cba amazon steal

  • Wizard on 16/06/2022 - 16:50
    +21

    This company will be insolvent in less than 6 months.

    • cook99 on 16/06/2022 - 16:53
      +6

      Why anyone is okay giving away 5% of their pay is beyond me.

      • dv1den on 16/06/2022 - 16:57
        -5

        Well that's not how it works, so I'm not surprised it's beyond you.

        • ScruffTheJanitor on 16/06/2022 - 17:03
          +4

          Theres a 5% fee. So how does it not work like that?

        • Wizard on 16/06/2022 - 17:20
          +4

          Whatever amount you cash advance you have to pay 5% intrest on. If you need to use this service. You have serious financial issues.

          Also you can only contact them via EMAIL…… good luck with that.

          • cook99 on 16/06/2022 - 17:22
            +2

            @Wizard: Thank you for understanding my point.

        • cook99 on 16/06/2022 - 17:21
          +1

          I understand the difference, but giving away 5% of your pay to get it early seems like highly irresponsible personal fiscal management.

          • Daabido on 16/06/2022 - 17:39
            -1

            @cook99: Get down off your high horse. I can't hear you from up there.

          • illiterate on 16/06/2022 - 19:40
            +1

            @cook99: I beg to differ. It's $20M powerball tonight. I need the advance for the tickets. Its an investment

            • cook99 on 16/06/2022 - 19:54
              +1

              @illiterate: I can't fault this plan, good luck, although I don't think you need it, you've got it all worked out 😉

      • Aradina on 16/06/2022 - 17:44
        +2

        No one is okay with it, you do it because you have no food or a bill is due.

      • j0hnd0e on 16/06/2022 - 18:24
        +5

        Not sure why you would downvote this post. Take their $50 and then leave. I hate companies like this but I'm not saying no to free money (especially if it quickens their demise).

        • cook99 on 16/06/2022 - 18:54
          +7

          Very fair point, my hate and downvote is directed at the company and all the other bottom feeders like them. They prey and profit off of vulnerable people as a business model, all while marketing themselves as some sort of white knights doing society a service.

          Frankly it's gross, and I'd love to seen them gone.

          The people who have to use this service are only going to be further financially burdened as a result of the fees, it's a viscous cycle which is horrible.

          Absolutely not trying to be on a high horse, I'd love to see a better system to help those in need instead of vultures picking from the carcass.

          • tonesoon on 16/06/2022 - 22:59
            +4

            @cook99: I think the problem is that your downvote is not in the spirit of the post, the post is to share a great deal which it is. if you hate the company so much wouldnt you rather them lose 50 bucks?

          • 6079 Smith on 16/06/2022 - 23:00
            +2

            @cook99: The more people take their free money the faster this completely stupid company will be gone

          • kipps on 17/06/2022 - 06:32
            +1

            @cook99:

            They prey and profit off of vulnerable people as a business model, all while marketing themselves as some sort of white knights doing society a service.

            This virtue signalling nonsense from all manner of organisations while meanwhile they have another agenda is everywhere. Even Woolworths claims to be doing the right thing for the environment by simply charging now for bags. At the end of the day they make available no way to deliver groceries without a bag, and they are simply charging more.

            It’s insufferable. You’re absolutely right. People should call it out more often.

          • pompompom on 17/06/2022 - 11:19

            @cook99: I don't understand this.
            They are providing a service and charging you money for it because they need to pay employees and build products to provide you that service. You have the option of not using it.
            How is this bottom feeding etc. It's essentially what every other platform as a service model does from Airbnb to Uber to Afterpay.

            • cook99 on 17/06/2022 - 11:26
              +2

              @pompompom: Airbnb offer a platform for people to rent out short term accommodation.
              Uber offer a platform for people seeking transportation.
              Afterpay I think create almost as many problems but I'll give them a partial pass as spend smoothing is slightly less offensive, although I still don't like them.
              MyPay are effectively loan sharks who's targeted customers are desperate, unable to make ends meet that week, only exacerbating the cycle of debt.
              I understand they have employees, but the product they provide as a service is fundamentally the problem, hence my dislike.

    • payless69 on 17/06/2022 - 15:56

      who cares, 45 bucks is 45 bucks!

  • 1000060 on 16/06/2022 - 16:53
    +2

    Haha I recognized OP as they posted the Coles Prepaid Mastercard Hack before. Give you a vote for this! Thanks:)

  • JIMB0 on 16/06/2022 - 16:59
    +1

    What if I don't have a wage?

    • J2945702 on 16/06/2022 - 17:00

      no luck then

    • dogzilla on 16/06/2022 - 18:16
      +1

      easy, you get to loan 0% of $0!

      (but with a 5% fee)

  • nuker on 16/06/2022 - 17:04
    -6

    These should be banned on ozb.

    • Goldberg on 16/06/2022 - 17:14
      +3

      Not if you ask the thousands of members that cashed in last night and perhaps throughout the day with referrals

      • nuker on 16/06/2022 - 17:38

        This still promotes them, “there is no such thing as bad publicity”

    • io on 16/06/2022 - 19:36

      Same as gambling which is banned. They do understand that the economy may go to a cashflow problem soon so this is just their investment to get a stronger foot on the market.

  • jsediv on 16/06/2022 - 17:16
    +3

    Did it last night with no issues at all. Just make sure to use the referral links otherwise you wont receive the bonus.

  • [Deactivated] on 16/06/2022 - 17:19

    already in the referral system not a new deal

    • george668 on 16/06/2022 - 17:24
      +1

      Confirmed with MOD this is a new deal since it has an expiry date.

      • [Deactivated] on 16/06/2022 - 17:26
        -7

        lol ok, essentially the same post was deleted earlier today but that's those crazy mods for you

        • Moderatorneil on 16/06/2022 - 17:41

          No need to be obnoxious and rude chickenface.

          It was removed, we discussed internally and decided it was a temporary offer that ends June 30 instead of a permanent offer as per our Deal Posting Guidelines. As it's temporary it's fine to be posted and we let the OP know.

            • [Deactivated] on 16/06/2022 - 18:57

              @[Deactivated]: lol and now my negative vote for this deal got removed because in an offtopic comment i laughed at a mod

              not to be too obnoxious and rude, but what crazy system!

            • canyoudoitcheaper on 19/06/2022 - 21:11
              -1

              @[Deactivated]: Yes, it was. Pull your head in

  • CrazyBargainCatcher on 16/06/2022 - 17:22
    +6

    People who use this service are total MORONS. Full stop.

  • OzBerghainer on 16/06/2022 - 17:24
    +13

    Made $200 for free. Yes it’s a garbage Company but why not rob them!

    • Lou Sarsol on 16/06/2022 - 17:32
      +2

      Agreed, $295 profit for me.

  • jy00227567 on 16/06/2022 - 17:25

    thanks op, have got my $95 this morning but was a bit worrying during the night becasue of the delay issue.

    • george668 on 16/06/2022 - 17:27

      Saw some people have the Osko rejection issue last night but eventually received the fund.

  • Ciderfizz44 on 16/06/2022 - 17:26
    +1

    Rubbish

  • OZBUser2022 on 16/06/2022 - 17:36
    -1

    I put my referral link into the pool, not sure if anyone can pick it up

    • Goldberg on 16/06/2022 - 17:42
      -1

      Can't ask for it just have to hope someone uses it in the randomiser—> Please use referral randomiser below, don't put referral requests or solicitation in the comments.

      • OZBUser2022 on 16/06/2022 - 17:46
        -1

        Not asking actually, just hoping

  • SanAndreas23 on 16/06/2022 - 17:39

    Not a deal. Has always been $50 since it first started up.

  • dfaktz on 16/06/2022 - 17:39

    Weirdly it won’t let me pay back early with credit card?

    • OzBerghainer on 16/06/2022 - 18:25
      +1

      Balance transfer? It’s basically paying off debt with debt. Likely need a debit card

  • frforreal on 16/06/2022 - 17:42

    How can this be used with an UP bank? It’s backed by Bendigo bank but I don’t have a Bendigo access ID number and Up doesn’t appear in the bank list. Is this GG?

    • [Deactivated] on 16/06/2022 - 18:00
      +1

      yes there is a list of supported banks posted in the expired thread from yesterday

    • Tacooo on 16/06/2022 - 18:13

      Yep, tough luck.

    • Kyle-K on 16/06/2022 - 19:30

      How can this be used with an UP bank?

      It can't be they don't support screen scraping and MyPayNow hasn't got open banking support.

  • Ozymandias on 16/06/2022 - 17:47
    +3

    No luck for Up bank users, damn.

  • Funky-munky on 16/06/2022 - 17:48
    +8

    I work in credit, and anyone thinking these pay day cash advances will not impact future lending applications, are fools!
    If you're not able to manage your finances and need to have multiple "before pay" top ups, think how this is seen by a any creditor.
    Be warned, it's a slippery slope.

    • dumdum2 on 16/06/2022 - 17:54
      +1

      What if you have just one accounting for 0.001% of your funds

      • Funky-munky on 16/06/2022 - 17:56
        +2

        It's not about the percentage of the pay day cash advance against your wage, it's the perception that you're unable to manage your finances and now in need of urgent funds.

        • dumdum2 on 16/06/2022 - 18:06
          +1

          Should be pretty obvious most of us aren't dying for $100

        • Lou Sarsol on 16/06/2022 - 18:06
          +2

          I understand where you’re coming from but I assume most of the people taking advantage of this promo will have a decent sum of money in their account at the time of borrowing the $100. Surely a once off thing like this, which is repaid instantly, wouldn’t have much/any impact in the big scheme of things?

    • donkcat on 16/06/2022 - 18:09
      +1

      I'd like to think most people here aren't doing multiple before pay top ups at all and only the single $100 top up to gain the sign up bonus. So is 1 an issue?
      Now given they claim to not do a credit check then wouldn't it be fair to say that once this one time payment is beyond the 3 month statement cycle that creditors won't even know this?

      In saying that I think anyone who believes they might be thinking of refinancing in the next few months should give this deal a miss.

      • Funky-munky on 16/06/2022 - 18:11
        +4

        Correct, we assess on the most recent 90 days. Just my 2 cents, use it, don't use it.

  • Weezle on 16/06/2022 - 18:48
    +4

    Should be illegal

  • Freezies on 16/06/2022 - 18:58
    +4

    Nope. Even if you genuinely need it, it just makes a bad situation worse.

  • Minimalism on 16/06/2022 - 19:01

    I was applying for a home loan and the bank said after-party, zip, payday loans affect your financial rating even if you pay them back on time.

    As the main reason for this site is to save money and get decent bargains, this could make life harder depending on if you need a loan or not.

  • Cluster on 16/06/2022 - 19:13
    +4

    'The first one is free'

    Just say no to loan sharks and payday lenders.

    I'm not giving them access to my bank accounts for $50.

  • madster09 on 16/06/2022 - 19:27
    +2

    not a good idea

  • mcnugget on 16/06/2022 - 19:46
    +1

    Slowly but surely recovering those ASX losses. Huge thanks to those random Ozbargainers out there!

    Feel sorry for the neg commenters missing out and putting folks off for no good reason. The average Ozbargainer isn't sticking with it after the bonus.

    50 dollars is 50 dollars, even better if can take it off these sharks!

  • dust on 16/06/2022 - 19:48
    +4

    F payday loans. They prey on the financially illiterate and those who can afford to pay back their loan the least.

  • IpGem on 16/06/2022 - 20:15
    +1

    Always tell my fellow bargainers.. when something's free you are the product.

    And here payday loan companies like this one may take advantage of your details. Take your privacy seriously read the terms prior to signing up.

    • mcnugget on 16/06/2022 - 23:42

      My bet is they are more pumping subscriber numbers before 30 June. Privacy is dead anyway

  • onceupon8 on 16/06/2022 - 20:45
    +2

    It was great to get $195 in a few minutes last night from MyPayNow

  • itsfree on 16/06/2022 - 21:56
    -1

    Got stuck at the internet banking step, then it timed out and won't proceed past this:

    We're sorry but we're unable to process your request as you did not meet our automated assessment criteria.

    Please try again after your next pay.

    Trash

    • itsfree on 17/06/2022 - 12:11

      Their response to my email:

      Our system has identified regular income deposits in your bank account, however, it has not identified sufficient transactional data to determine your advance limit.

      This can often happen when accounts are made up mostly of internal account transfers, or, accounts that have a large portion of income withdrawn upon it being deposited.

      You're welcome to check back after your next payday, as there may be sufficient data for our system to determine an advance limit.

      We apologise for any inconvenience and hope to see you using MyPayNow soon!

      Stupid. I have 4x accounts linked to my internet banking. I get paid into an online saver – surely they should check all the accounts given they have my full login details?

  • coolsteps on 17/06/2022 - 01:25

    does ones referral code change every time you log in or is used? i had my original code and about 8 people clicked on it but i didn't receive anything $

  • xtommyk on 17/06/2022 - 11:01
    +1

    These companies should be nuked, what kind of socio-economics are we promoting if these are commonplace?

    • cook99 on 17/06/2022 - 11:10
      +1

      This.
      It's bad enough people are living paycheck to paycheck, these companies allow a whole new level and take a slice off the most vulnerable.

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