Overdraft - Real Time Application

Overdraft just got more exciting. With Real Time Application, you can jump in, apply directly in the app, and get checked without waiting for a separate invite. We are rolling this out in stages, and we cannot wait to bring it to more customers as we keep expanding access.

• Open the Paytali app
• Select Borrow
• Select Overdraft
• Enter your employment status, salary, and where you live

• We will review the details you shared.
• Then you will be asked to confirm if your Paytali account is your salary account or main account if your submission is satisfactory.

• We will review your transactions and account activity to run an eligibility check
• If you are eligible, we will send you an in app message
• You will also see your eligible amount and an offer inside the app

• You will be asked to connect an account using our partner Mono, so we can review your financial activity. - To see the full Mono steps, please click here
• If you are eligible, we will send you an in app message
• You will also see your eligible amount and an offer inside the app

• You must be on Tier 2 or Tier 3
• Your account must have no restrictions
• Your account must have no held amounts
• You must be on the latest app version
• Your phone location setting must be set to Always allow for the Paytali app
• If you stop at the Mono step, you can try again later and make sure you complete the Mono connection before leaving the app.

Tip: Approval depends on a credit check. If you're not eligible this time, please know you can continue using your Paytali account as usual. When you'd like to try again, please ensure your details are accurate and your Mono account is active