Access up to$2,000Of your earned pay before payday
You earned every Pennie.
Why wait for it?
Get started with your ID and bank details.
Coming soon
Every Pennie counts
For groceries, petrol and the unexpected.
Your pay.
In three steps
- 1. Check your eligibilityVerify your ID and securely connect your bank.
- 2. See your Pennie limitSee how much of your earned pay you can access.
- 3. Access your payChoose your amount and request your pay.
Check your eligibility
Create your account, verify your ID and securely connect your bank.
See your available limit
Pennie calculates what you can access based on your earned pay and pay cycle.
Choose your amount. Get paid.
Access up to your available limit, capped at $2,000. Repay automatically on payday.
- Secure, read-only bank connection.
Access it now.
Repay on payday.
Repay automatically on your next payday.
Who can use Pennie?
To get started, you'll need:
FAQs
How much can I access?
Up to $2,000 of the pay you've already earned. The amount you can access each cycle is capped based on your net pay per cycle, which you confirm when you sign up.
What does it cost?
A 5% advance fee, plus interest of 24% a year on what you owe, for up to 62 days. We show you the fee, interest and total repayment before you confirm.
How do repayments work?
It's repaid automatically on your next payday. You can split it, move the date, or pay it off early, and it's always visible in your account.
Does Pennie check my credit?
No. There's no credit check.
Is my bank connection safe?
Yes. Bank connection is read-only, and Pennie never sees or stores your bank password.
What do I need to sign up?
About 3 minutes, your ID (driver's licence, passport or Medicare card) and your bank details.
You earned every Pennie.
Why wait for it?
Access your earned pay before payday.
Get in touch
Pennie is coming soon. Send us a message and the Pennie team will get back to you.