Cover gaps in your rent with RentPay SafetyNet.

RentPay’s SafetyNet feature gives you access to a short-term loan to cover your rent when you need it, helping you keep your rent payments on track (and on time).

A missed rent payment could hurt your tenancy record. RentPay’s SafetyNet feature can help pay the rent when you’re caught short of funds and keep you on track.

If you activate and use SafetyNet, the funds will be paid into your RentPay wallet and then used to make your scheduled rental payment. You’ll then pay it back over the next four fortnights (eight weeks).

SafetyNet comes bundled with ScoreBuilder, and is quick and easy to set up and use.

It’s quick to set up

It only takes a few minutes to activate SafetyNet through RentPay. We do a quick check of your credit score, then let you know how much money you can borrow. No application forms required!

It’s simple to use

Once you activate SafetyNet, funds will appear in your RentPay wallet. These funds are immediately available for your rent payment. You then pay the loan back over the next eight weeks (or sooner, if you want).

It’s inexpensive

SafetyNet comes bundled with our ScoreBuilder feature. It has a set-up cost of $3 and then a flat monthly fee of $1 to stay subscribed to the ScoreBuilder service. If you activate SafetyNet to borrow your rent amount, there’s a weekly SafetyNet fee of $2. This will be charged for up to eight weeks while you pay it back.

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How do I qualify for SafetyNet?

To be eligible for SafetyNet, you must have been a RentPay customer, and opted in for ScoreBuilder, for at least 30 days. As SafetyNet is a loan, you must also be over 18 years of age to apply.

We’ll also look at a few other things, like your credit score. This will determine how much you will have available to borrow. If you’d like more information on how this works, refer to the RentPay product disclosure document.

How does SafetyNet work?

Unexpected expenses happen. If you’d like to use SafetyNet, here’s how to set it up through RentPay.

  1. We’ll prompt you to opt-in to our ScoreBuilder service when you’re setting up RentPay.
  2. If you need those extra funds, activate SafetyNet from your RentPay dashboard.
  3. We’ll pay your SafetyNet funds into your wallet.
  4. RentPay will use these funds to pay your rent, according to your existing instructions.
  5. We’ll show you what your fortnightly repayments will be. Then we’ll start deducting them from your nominated bank account. Please note, your first payment is payable in advance.
  6. If you decide to pay us back early, you can do this from your dashboard. 

Have questions? The RentPay support team is ready to help. Call us on 1300 797 933 or send us an email.

SafetyNet FAQs

How do I apply for SafetyNet?
To use SafetyNet you must first activate your RentPay account and opt-in for the ScoreBuilder feature via the RentPay dashboard. Then, select SafetyNet from your dashboard. You must be opted-in to ScoreBuilder for 30 days before you can access SafetyNet.

How much does it cost?
SafetyNet comes bundled with ScoreBuilder, which has an activation fee of $3 and a monthly fee of $1. Once you decide that you want to access SafetyNet funds to pay your rent, there is a $4 fee charged each fortnight while you’re paying it back. So if you pay it back over 4 fortnights, which is the maximum term, you’ll pay $16 in fees. There is no interest charged on SafetyNet.

How much can I borrow?
The maximum amount you can borrow is the amount of your rental payment. When you activate SafetyNet, we’ll do a quick check of your credit score and then let you know the amount you can borrow.

How long does it take?
We’ll be able to let you know almost instantly how much you have available to borrow and can pay the funds into your wallet as soon as you agree to proceed. There’s no application form or waiting around.

What are the repayment options? 
SafetyNet repayments will be debited from the nominated account that you provide when setting up RentPay. Your repayments will be debited by One Card Credit with the narration “One Card Credit – RentPay” appearing on your statement.

Those repayments will be debited from your account fortnightly, starting two weeks from when you draw on your SafetyNet loan. If you want to repay your loan sooner, you can do this on the RentPay dashboard.

Does SafetyNet use a credit check in the approval process?
There’s no credit check for SafetyNet. However, a check of your credit score will be completed. This doesn’t leave a record on your credit report.

If you default on your SafetyNet repayments, a record of your default may be recorded on your credit report. You will see “One Card Credit – RentPay” as the narration.

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First-time renters: What to know before you rent
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RentPay Technology Pty Ltd ACN 636 254 709 is an Authorised Representative of Flexewallet Pty Ltd – Australian Financial Services Licence number: 448066.

We are also the authorised representative of One Card Credit Pty Ltd – Australian Credit License Number: 390376. For more details on the product, please refer to the Product Disclosure Statement (PDS), User Agreement and FAQs.


RentPay is a digital wallet developed to give Australia's 7 million renters more control, flexibility and choice in how they pay rent. Founded in 2021, RentPay was designed by, Australia's largest pro-renter site serving hundreds of thousands of renters each month. RentPay is the only payment app in Australia that helps renters take control of their rental payments while also helping improve their cash flow and build their financial future.