Please read this Credit Guide carefully before proceeding with any credit product.
This Credit Guide provides key information about the credit products offered by BPG Credit Pty Ltd ABN 59 673 570 575 (“BPG Credit”, “company”, “we”, “us”, “our”, “ours”) which are regulated under the National Consumer Credit Protection Act 2009, and is intended to help our customers (“you”, “yours”, “they”, “their”) understand their rights and obligations as a borrower. This document outlines:
- The products we offer
- Our general obligations
- Our dispute resolution process
Our Products
BPG Credit provides a Personal Loan product, which is a Medium Amount Credit Contract (MACC) for personal, domestic, or household use, with loan amounts ranging from $2,001 to $5,000 and terms between 16 days and 24 months. Repayments are typically aligned with your pay cycle.
Our General Obligations
In relation to our credit products, we will not, as a credit provider, enter into a credit contract with you if we assess that the credit contract is unsuitable for you.
A credit contract will be unsuitable if:
- The credit contract does not meet your requirements or objectives; or
- It is likely that you will be unable to comply with your financial obligations under the credit contract; or
- It is likely that you could only comply with your financial obligations under the credit contract with substantial hardship.
Requesting a copy of the Suitability Assessment
If we approve your request for credit, you can request for a copy of the Suitability Assessment by contacting us at support@beforepay.com.au. We will respond to your request within the following timeframes depending on your “Credit Day”, i.e. the date the credit contract is entered into.
| Day of request | Timeframe of response |
| Before the Credit Day | As soon as possible, before you sign the credit contract |
| Up to 2 years after the Credit Day | Within 7 business days after we receive your request |
| Between 2 and 7 years after the Credit Day | Within 21 business days after we receive your request |
Complaints and Dispute Resolution
We are committed to resolving complaints quickly and fairly. If you have a complaint:
- Contact Us: Email complaints@beforepay.com.au or call (02) 7255 5919
- We will acknowledge your complaint within 1 business day (or as soon as reasonably practicable) and provide an initial response within 10 business days. We aim to resolve all complaints within 21 days. If we need more time, we will let you know and confirm when you can expect an outcome.
- Escalation options:
- If your complaint relates to regulated consumer credit provided by BPG Credit Pty Ltd (for example, a Personal Loan Agreement) and you are not satisfied with our response or how we’ve handled your complaint, you can escalate it to the Australian Financial Complaints Authority (AFCA). Their details are set out below.
- Complaints about our Pay Advance product are not eligible for AFCA review. Even though this product isn’t covered, we’ll work with you directly to resolve any concerns as fairly and transparently as possible.
Contact us
For general inquiries or to request assistance, please contact us:
Email: support@beforepay.com.au
Complaints: complaints@beforepay.com.au
This Credit Guide is issued by BPG Credit Pty Ltd (ABN: 59 673 570 575) under Australian Credit Licence No. 554659. It is subject to updates as required by law.
Effective Date: 26th March 2025