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Pay Advance Customer Satisfaction Awards 2023

We asked 600+ Australians to rate their pay advance provider based on features, customer service and their overall satisfaction – here's who came out on top.

Finder pay assistance logo Pay Advance winner



We asked more than 650 Australians to rate their pay advance provider and also whether they would recommend them. 81% of respondents said they would recommend MyPayNow and it scored an impressive 4.19 out of 5. Users particularly rated it highly for its ease of application, as well as its features and benefits.

Pay advance methodology

Highly commended



Coming in second with an incredible 89% of users saying they would recommend the service is PayActiv. It scored 4.06 out of 5, with respondents ranking its customer service, features and benefits and fees and interest rates most highly.



In a very tight race, Beforepay came in third also with a final score of 4.06 out of 5. Users ranked it fairly consistently across the board, with high marks for its customer service, features and benefits as well as its ease of application. 81% said they would recommend it to their friends.

Pay advance ratings 2023

BrandOverall satisfactionCustomers who'd recommend
MyPayNow★★★★★ 4.19/581%
PayAcviv★★★★★ 4.06/589%
Beforepay★★★★★ 4.06/581%
Commbank★★★★★ 4.03/581%
Wagestream★★★★★ 3.98/578%
Fupay★★★★★ 3.88/571%
Employment Hero InstaPay★★★★★ 3.83/580%

Why you can trust our awards

expert advice
Expert analysis
Finder worked with leading insights company Dynata to survey nover 30,000 Australians across almost 200 categories for our Customer Satisfaction Awards program.
They're comprehensive
We asked 661 Australians to rate their pay advance apps based on several factors including whether they would recommend it to a friend.
They're independent
Some winners may be partners but this never influences our decisions. All winners are based on a clear methodology and must meet editorial standards.

Ratings methodology

The Finder Customer Satisfaction Awards recognise Australia's favourite brands across a huge number of categories. We survey thousands of real Australians to understand how they feel about their recent product purchases to help you make a decision about what product to get. It's an independent awards program calculated by our data and insights team. Commercial partnerships do not influence the results in any way.

  • Consumers were asked to review a range of products they purchased recently.
  • The recency period varied between 3 months to 3 years, depending on the product category.
  • We got a minimum of 45 responses for each provider. We asked a total of 661 customers.
  • Respondents were asked whether they would recommend the pay advance app 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.

Customers were also asked how they would rate each provider on a scale between 1 and 5 and in terms of:

  1. Features and benefits
  2. Customer service
  3. Ease of application
  4. Fees and interest rates
  5. Overall

The final brand score is an average of all these individual ratings. 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.

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