Getting your pay early with Beforepay

In today's financial landscape, the ability to access pay on demand is a necessity – even if payday is ages away. That’s where Beforepay comes in. Through our Cash Out solution, you can access pay in advance.

Beforepay is designed with the understanding that the need to access pay can arise at any moment. That’s why Beforepay provides access to your money 24/7 and year-round, so that no urgent bill or unexpected cost can leave you in the dust. We provide an intuitive, user-friendly interface where your wages are just a few clicks away. Whether life has thrown an unexpected expense at you, or you’re simply bridging the gap until your next payday, Beforepay is here to help. 

Unlike traditional lenders, Beforepay has a flat fee with no interest or hidden fees, and there’s no credit check required. We’re made for hard-working Australians who want on-demand access to the wages they’ve earned. Plus, we offer tools to help you with budgeting to better manage your money.

Our commitment to enabling our users to easily access pay is rooted in our understanding of the modern financial challenges many face. We believe that everyone deserves the flexibility and freedom to manage their finances without the constraints of payday cycles. This belief drives our mission and provides a reliable, secure, and instant way to access pay, transforming the way Australians interact with their earnings.

Beforepay's approach to allowing users to access pay is about more than money – it's a commitment to financial empowerment. We provide a comprehensive tool that sets you up for financial success, so that when you need to access pay, the process is straightforward, swift, and secure. Beforepay allows you to experience a new level of financial control, where your pay is in your hands, whenever you need it.

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Frequently Asked Questions

  • Will I get my pay fast?

    Lickety-split! Once you Cash Out, the money is normally in your account in under a minute. That means you can Cash Out while you wait in line for your groceries and have your money by the time you get to the checkout. Our pay advances are designed to be fast, so they’re a great choice if you need cash, and they’re also available 24/7, including weekends and public holidays.

  • How does Beforepay work?

    Great question! Beforepay provides short-term ethical pay advance loans, which means that we provide fast access to your wages – before payday. We charge no interest, just a fixed 5% transaction fee. We are also a budgeting app, so we provide you with a personalised budget and insights based on your spending habits. Beforepay allows you to access pay before your employer pays you, with 24/7 loan availability.

    If you’re still curious, we’ve answered this question in a bit more detail here.

  • How much does Beforepay cost?

    Beforepay charges a fixed 5% fee on your pay advance – that’s it! We don’t believe in hidden costs, so we don’t charge you any late fees, interest, administrative fees, or anything like that. For example, if you Cash Out $100, you pay back $105. We help you create a repayment schedule that works for you, repaying in multiple instalments or all at once. Beforepay also doesn’t affect your credit score.

  • Who is eligible for Beforepay?

    Eligibility is based on your income, pay schedule, employment, and risk assessment criteria. To be eligible, you must be employed with a regular pay schedule, making at least $300 in income after tax each week. (Note: no more than 50% of your income can come from government benefits such as Centrelink.) You also must pass our risk assessment criteria, which is not related to your credit but an analysis of your financial eligibility for Beforepay.

    From a technical perspective, your bank account must also be able to process Beforepay deposits and debits, and receive your salary.

    For more detail, see our explanation of eligibility criteria here.

  • How much can I Cash Out with Beforepay?

    The maximum Cash Out amount is currently $2,000. If you’re a new customer, that limit will be between $50 and $1,000 depending on a variety of factors, such as how much you get paid, your debt, and so on. Your Cash Out history and successful repayments also impact your limit, which is recalculated every time you go to cash out to make sure you get the right amount for your current situation. For a more in-depth explanation, see here.

  • How do I repay my loan?

    Once you have a loan, there are a variety of ways to pay it back. We help figure out a repayment plan that works for you. You can repay in instalments or all at once if you prefer. If circumstances change, you can delay your repayment, or repay early.

    Once you have chosen a repayment schedule, you can sit back and relax since the app uses automatic repayment. However, if you want to make a manual repayment, you can use PayID or Osko to do so with ease.

  • Can I get my pay now even if I’m being paid later?

    Absolutely! By Cashing Out, you can access your wage before your payday and pay it back in instalments. We know that your cash flow can change, and you can’t always wait until payday. That’s why Beforepay can give you a cash boost of up to $2,000 in as little as five minutes. We provide instant pay advances to make sure that your money is always available to you, even if your payday is still a little while away.

  • What banks does Beforepay support?

    Beforepay can currently be used with over 70 banks – from ANZ to Westpac and everything in between. Some of the most commonly asked-after banks that we support include CommBank (Commonwealth Bank), Westpac, ING, and Macquarie Bank. Good news – all these banks are compatible with Beforepay! To see the full list, which includes many more, please click here.

    We’re always looking to expand our services, so if you can’t see yours on the list, you can send a request to add your bank by emailing Customer Support at support@beforepay.com.au.

  • Do you contact my employer?

    No, when you use Beforepay your employer will not be contacted. We value your privacy, so we just talk to you, not your employer.

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