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Cheq provides working people with access to wages on-demand - Get your Pay On Demand™, master your bills, and spend smarter — all with the Cheq app.

The app lets you draw small amounts of your paycheck before payday! Instantly deposited into your account


— Your Pay On Demand™

In a pinch and need some money to cover unforeseen bills? or just need some extra cash to float you till your next pay? Get access to up to $200 of your payCheq instantly deposited into your bank account.

3 Simple Steps to us Cheq:

Connect your Bank — We sync your transactions to verify your wages and pay cycle
Get Paid — Instantly cash out up to $200 of your pay, deposited into your account in 30 seconds!
Payback — Select flexible repayment plans of up to 4 weeks for us to deduct the cash advance + a 5% service fee. No interest or hidden costs

Want to make everyday payday? Use Cheq now to get paid when you want. Just connect your bank, and start getting your Pay On Demand™ when you want it.

Need help tracking bills and avoiding hefty overdraft fees?
Chill, this app predicts your upcoming bills and lets you know if your account is at risk of overdraft. We keep you in the loop so you can stay in control.

How much does Cheq cost?
Cheq's budgeting and spending features are free to use. To get your Pay On Demand™, we charge a fixed service fee of 5% on any amount cashed out. No interest or hidden fees.

Does Cheq work with any bank?
Cheq works with all major banks in Australia, but if your bank is not on our list please feel free to request it so we can see what we can do.

Note: Cheq does not offer the Pay On Demand™ service to individuals who receive government benefits such as Centrelink or a Pension as their primary source of income