Why choose Beforepay?
Beforepay is designed to be a safe, affordable, and ethical way of bringing the gap, so you never need to go near a payday lender again.
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Low fees
Just a 5% fixed transaction fee - no interest, no late fees, no hidden costs.
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Quick application
Sign up and Cash Out up to $2,000 in as little as 10 minutes (subject to eligibility, T&Cs apply).
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No credit bureau check
Our custom assessment criteria does not impact your credit score or history.

How does Beforepay compare to payday loans?
Beforepay was founded to disrupt payday lending and provide ethical and affordable loans to working Australians.
Here are how the two products compare.
Fees
Beforepay - Pay Advance




Payday Loans
Speed & security
Beforepay




Payday Loans
Notes
Amount Borrowed |
$2,000 |
$2,000
|
Fixed Fee |
$100
Based on 10 Cash Outs of $200 each across 12 months.
|
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Establishment Fee |
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$400**
20% of loan amount.*
|
Estimated Total Monthly Fees |
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$960**
4% of outstanding balance every month.*
|
Estimated Fortnightly Repayments |
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$129.23**
Estimated amount for each of 26 total payments across 12 months.
|
Total Repayment |
$2,100
|
$3,360**
|
Total estimated cost in fees and other charges over 12 months |
$100
|
$1,360**
|
Disclaimer: This comparison is a model, not a prediction. These figures have been included for general information only without considering your personal circumstances. Results are estimates; the actual amounts may be higher or lower. Beforepay T&Cs apply.
How it works
Accessing cash with Beforepay for a fixed fee of only 5%may be a more affordable alternative to payday loans to help you manage temporary cash flow challenges.
See how Beforepay can help you today.
What our customers say
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