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Finder Early Wage access Awards 2022

Find out how your Pay on Demand provider fared in our latest customer satisfaction survey and awards.

The Finder Customer Satisfaction Awards rank the best products in almost 200 categories, voted for by the everyday users of those products. We asked customers of Pay on Demand providers to tell us about their experiences. Now we can reveal what they said.

The winners

The winners are based on consumer ratings across 6 metrics: features and benefits, customer service, fees, interest rate, and customers' overall experience, as well as recommendation score (the percentage of customers who said they would recommend the brand to a friend).

Early Wage access Award 2022 badge

Early Wage access Winner:


Payactiv came in at number 1 in our list. 95% of those surveyed would recommend it to a friend, and it received a total score of 4.49/5.

Early Wage access finalist:


Our first finalist is Fupay, which received a total score of 4.45. 96% of customers surveyed would recommend it to a friend.
Read our review of Fupay

Early Wage access Finalist 2022 badge

Early Wage access finalist:


Coming in as our second finalist is Instapay, with a total score of 4.37 out of 5. It's "would recommend" score is 90%.

Best Early Access Wage in 2022

Overall satisfactionCustomers who'd recommendPlatformReview
★★★★★ 4.49/595%PayActiv logoPayActiv combines its Pay on Demand product with a financial wellness app, with budgeting features and the ability to connect it to your Uber or Amazon accounts. It received the top score for both the Customer Service and the Fees categories.Read our review
★★★★★ 4.45/596%Fupay logoFuPay features an app with a range of financial options, including savings goals, small loans, Buy Now Pay Later, and Pay on Demand functionality. It ranked high across multiple categories and topped the list for "would recommend".Read our review
★★★★★ 4.37/589%Insta Pay logoInstapay is the HR software Employment Hero's Pay on Demand product. It was one of the top contenders in the Features and Benefits category, and would be recommended to a friend by 90% of those surveyed.Read our review
★★★★★ 4.33/591%Wagestream logoWagestream opts to allow customers up to 50% of their earnings in advance - as opposed to a flat amount per week. It was among the top entrants in the Features and Benefits, and the Fees categories.Read our review
★★★★★ 4.29/589%CommBank AdvancePayCommbank's Pay on Demand product, Advance Pay, was a top contender in the Features and Benefits categories. It scored 89% in the "would recommend" category.Read our review

Customer satisfaction ratings methodology

Disclaimer: While we endeavour to assess the majority of product providers in the market, this is not always possible and it may be that not every product or brand in the market was included for judging.

Finder worked with leading insights company Dynata to survey nearly 20,000 Australians across almost 200 categories for our Customer Satisfaction Awards program.

  • Consumers were asked to review a Pay on Demand platform they had used.
  • Brands had to receive a minimum of 55 responses in this category to be eligible for the award.
  • The brands were rated based on the following categories:
    • Customer service
    • Features and benefits
    • Fees
    • Interest Rate
    • Overall experience
  • Respondents were also asked whether they would recommend each product to a friend. This result was scored out of 5 as a percentage. For example, if 80% of respondents said they would recommend a product, it received a score of 4 out of 5.
  • The final score was calculated as an average of the 5 metrics scored.
  • Finder's Customer Satisfaction Awards is an independent awards program and commercial partnerships do not influence the results in any way.

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