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PayActiv Alternative

Imagine this (or perhaps you don’t even have to imagine it!); it’s the 10th of the month, the car’s broken down, the kids need money for a field trip, and you have around $8.50 left in the bank – what now? Fear not! PayActiv Australia and PayActiv alternative products enable everyday Aussies to access a portion of their wages to help them get through the month, pay for an unexpected emergency, or simply get ahead of their bills.

How does it all work? While the PayActiv app is used popularly by many businesses and their employees, there are still those who like to keep their finances private, get a little more than just some of their wages, and have a bit more time to pay it back. A PayActiv alternative such as the instant cash loans available at Gday Loans makes the most sense for these people. If you’re looking for a product that makes it possible for you to buy now pay later, the payment solutions at should be on the top of your priority list.

In this article, we will cover what PayActiv Australia is, advise on the best PayActiv alternative, provide insight on the features of an instalment payments loan, and give you basic steps on how to apply to get instant cash. Finally, we will answer the most frequently asked questions about the PayActiv app and the Gday Loans PayActiv alternative options.

1. How Does PayActiv Alternatives Work?

The PayActiv app works in a simple way. Like many buy now pay later apps, PayActiv Australia providers individuals with the opportunity to access a portion of their earned unpaid wages to spend in advance. The PayActiv app is free to businesses but costs employees a service fee every time they access funds.

When you need a cash advance on your salary, you are only only allowed to access up to 50% of their earned wages that have not yet been paid, and there’s a limit of two withdrawals allowed in one pay period. The app allows you to make a max withdrawal of $1,000.

If you’re looking for a service that offers similar convenience but has more to offer, then a PayActiv alternative is the way to go. At Gday Loans, you can get a buy now pay later loan that provides you with same-day access to cash that you can pay back over 3 to 24 months. There are no interest charges on these loans, as long as they are no more than $2,000.

2. How Much Does Borrowing with Apps Like PayActiv Cost?

When using PayActiv Australia, you can expect to pay a fee of $5 per transaction for the service. For employers, the service is free. There are no subscription fees. If you’re looking for apps like PayActiv that offer a great PayActiv alternative, quick cash loans from Gday Loans are a great option. doesn’t charge anything to match you with a lender most likely to approve your loan – the matching service is free. The only fees you will pay are to the lender once an agreement is in place. The expected fees are 0% interest on loans of $2,000 and below. There is a 20% establishment fee and a 4% monthly service fee.

3. PayActiv Alternative Key Features

When it comes to choosing Gday Loans as a viable PayActiv alternative, you will have access to various instant cash loan options to choose from. Each of the loans on offer boasts the following key features:

Flexible Loan Amounts

Unlike PayActiv Australia, Gday Loans doesn’t cap the cash advance amount at $1,000 or 50% of your earned but unpaid wages. Instead, allows you to apply for a cash advance or loan of any amount between $150 and $10,000. You simply need to meet the eligibility requirements and earn the minimum set income.

Up to 24 Months to Pay

One of the reasons why many people shy away from apps like the PayActiv app is because the cash advance is merely a short-term dip into your near-future wages. You can only borrow a portion of what you’ve already earned, and the amount will be deducted from your wages on your next payday. With a PayActiv loan alternative via Gday Loans, you can loan between $150 and $10,000 and pay it back over 3 to 24 months!

Same Day Payout

One of the biggest perks of opting for instalment payments obtained through quick cash loans on the Gday Loans website is that they’re almost instant. Once you’ve spent just a few minutes applying for the loan online, you only need to wait for approval (this takes just a few moments), and then the cash is transferred into your bank account within 60 minutes.

4. Advantages and Disadvantages of Apps Like PayActiv

Advantages of PayActiv Alternative

0% Interest on Loans Up to $2,000

Interest often puts people off applying for the loans they need. Apps similar to the PayActiv app offer interest-free cash advances, which is often the draw. Of course, PayActiv charges a $5 fee per transaction. Lenders offering cash advances via Gday Loans don’t charge interest on loans of $2,000 or below.

Bad Credit is Not a Problem

Your credit score is not a deciding factor when applying for a cash advance with Instead, the lender considers affordability of the loan by comparing your income with your expenses.

Quick, Easy, Online Application

Much of the draw to apps like PayActiv Instapay is that it’s quick and easy to set in place. It’s much the same when you choose a PayActiv alternative such as Gday Loans. The entire process takes just a few minutes from online application to approval.

Disadvantages of Apps Like PayActiv

Continuous Debt

When using apps like PayActiv Australia, you could find yourself always borrowing money to make it through the month. This could create a cycle of debt.

5. Am I Eligible for Apps Like PayActiv? Information Required to Apply

Buy now pay later loans that are similar to PayActiv Australia at Gday Loans require applicants to meet the following criteria.

18 years (minimum age)

Permanent residents of Australia

Valid bank account

Must be solvent

Provide valid Australian ID (Medicare card or driver’s license)

Proof of income (at least $350 per week)

Three months’ bank statements

6. How To Apply For Apps Like PayActiv Australia

Signing up for PayActiv Instapay is as simple as visiting the provider’s website and clicking on “Sign Up”. Simply follow the prompts and provide all the requested personal particulars pertaining to you and your earnings.

If you’re looking for a cash advance with more flexibility, the various PayActiv alternative loans available at Gday Loans are a great choice. You can apply for the convenience of a cash advance by following these steps:

Step 1 - On the Gday Loans Website, Click on “Get Loan” and Complete the Form

The online application form requires you to provide your personal details along with your banking information and employment details.

Step 2 - Submit the Application and Wait a Few Minutes

The automated Gday Loans system will match you with a lender most likely to approve your loan. Once you’ve submitted the form, you only wait a few minutes to find out if a lender can help you or not. If a lender can assist, you will be transferred to their website to complete the process.

Step 3 - Read Through & Sign the Loan Contract

Once the lender has extended a contract to you, you must do due diligence by reading through the loan and asking questions if anything is confusing. Once you’re familiar with the terms and conditions, sign the loan and ensure it is sent back to the lender if you want to proceed with the loan.

Step 4 - Wait 60 Minutes to Get Your Money

Once the loan is signed and the lender is satisfied that they have everything they need, they will approve the loan and forward the cash to your bank account. This typically only takes 60 minutes from loan approval, but there are instances where payments are made on the next business day.

7. PayActiv Alternatives

When it comes to the best PayActiv alternatives on the market, the following are highly recommended:

Personal Loans with Gday Loans

Reputable lenders on the panel at Gday Loans make for fantastic PayActiv loan alternatives because they provide more scope for borrowing and lengthier repayment terms. This provides the borrower with a bit more financial breathing room and fewer limitations. A personal loan from provides you with a lump sum that you pay off in easy to afford instalment payments. The loan amounts range from $150 to $2,000 interest-free, but if you opt for a larger loan amount, the interest can be anything up to 48% APR. All personal loans arranged via Gday Loans are repaid over 3 to 24 months.

Payday Loans with Gday Loans

Another viable PayActiv alternative is a payday loan via the portal. Payday loans usually range from $150 to $2,000 and come with no interest attached. Such loans come with a 4% monthly service charge and a once-off establishment fee. It’s called a “payday” loan because the instalment payments are set to come off on the same day your wages are available in your account. Lenders on the Gday Loans panel are reputed for offering loan opportunities to those with a less than perfect credit score and even those not traditionally employed.

8. FAQ's

What Can I Use Instead of PayActiv?

If you’re not too keen on simply borrowing money from your very next paycheck, you may want to consider what your PayActiv alternative options are, and that’s where Gday Loans comes to the fore. offers you the opportunity to borrow more money and pay it over a longer period without taking a chunk out of your regular wage check.

Does PayActiv Affect My Credit Score?

No, PayActiv Australia does not affect your credit score because you can only borrow money you have earned and have not yet been paid. It is not a lending service.

Does PayActiv Do a Credit Check?

No, PayActiv does not do a credit check because they are not a lending service. You may think that you can’t use a PayActiv alternative because of the dreaded credit check, but that’s not always a factor. When applying for an instant cash advance with Gday Loans, the credit check is not the determining factor in the loan outcome. In fact, bad credit borrowers are likely to receive their loan as long as they can afford the instalment payments.

How Do I Get My Money From PayActiv?

When registering for a PayActiv app account, you will need to provide the details of your bank card or bank account. Then, during your pay period, you can request a payout of a portion of your earnings (no more than 50%), and it will be transferred to your card or bank account.

Will PayActiv Let Me Loan a Larger Amount and Pay it Back Over Several Months?

No, PayActiv won’t loan you money that isn’t already yours. The company is not a lending company and will only provide you with an advance of up to 50% of your already-earned wages (these are not yet paid). If you would like to borrow a lump sum to buy now pay later, apply for a quick cash loan with Gday Loans. You can borrow between $150 and $2,000 with 3 to 24 months to pay.

Are Payday Loans Legal in Australia?

Yes, but it depends on the format. For instance, payday loans that are $2,000 or less that must be paid over 15 days or less have been banned in Australia. The only payday loans allowed are those that can be paid over 16 days to 1 year and on these payday loans, the fees are capped to protect the consumer.

Where Can I Borrow Money Immediately?

PayActiv is not the only place you can get an instant cash advance. If you want money today or within 60 minutes of approval, complete the quick loan application form on

How much would you like to borrow?

  • Quick
  • Smart
  • Secure

100% Safe and secure. Apply with confidence, your privacy is always protected.