Need help with your bills? We’ve got you covered.

No luck bargaining with your bills provider? Don’t sweat it. When bills are due but payday is ages away, we’ve got you covered. With Beforepay's Pay Advance, eligible users can access up to $2,000 of their paycheck in advance for only a single 5% transaction fee – and no interest! Then, pay us back in up to 4 flexible instalments when you get paid. 

 

We get that managing finances can be tough, so we’re here to make it easier with personalised budgeting tools, automated repayments, and personalised insights. View your upcoming bills in our app so they don’t take you by surprise, and get a cash boost to help you out with them, if and when you need it. You’re busy. Don’t spend your time worrying about your bills – let us do that for you. Oh, and did we mention that we’re Australia’s two-time Ethical Lender of the Year? That’s how you know we’re the real deal.

We are on a mission

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    Ethical lending

    With our transparent fees and flexible repayments, it’s no wonder we’ve won multiple Ethical Lender of the Year Awards! 

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    Fast access to funds

    Life happens, and sometimes you can't wait for your pay. We give you access to funds when payday can’t come soon enough.

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    Easy budgeting

    Our free in-app budgeting tool makes budgeting easy by creating a budget tailored to you. Your mum will be thrilled!

    How it Works

Frequently Asked Questions

  • How fast will I get my pay advance?

    Once you have created a Beforepay account and cash out a Pay Advance, the money is usually in your bank account in under a minute. That means you could cash out while you wait in line for your groceries and have your money by the time you get to the checkout. Our Pay Advance is designed to be fast, making it a convenient choice if you need cash quickly. The Pay Advance is also available 24/7 in the Beforepay app, including weekends and public holidays.

  • How does Beforepay work?

    Great question! Beforepay provides an ethical option for accessing short-term loans. Through our Pay Advance loans, we charge no interest - just a fixed 5% fee. 

    We're also a budgeting app, so we provide you with a personalised budget and spending insights to help you stay on top of your finances.

    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, administrative fees, or anything like that. 

    For example, if you cash out $100, you pay back $105

    We also create a repayment schedule that works for you, giving you the option to repay in multiple instalments or all at once. 

    Using Beforepay also doesn’t affect your credit score.

  • Who is eligible for Beforepay?

    Eligibility for the Beforepay Pay Advance is based on your income, pay schedule, employment, and risk assessment criteria. To be eligible for a Pay Advance 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 need to successfully pass our custom assessment criteria, which isn't related to your credit but is an analysis of your financial eligibility for Beforepay.

    The bank account you connect to Beforepay also needs to be able to process Beforepay deposits and debits, and receive your salary to be eligible for a Pay Advance. Find out more about eligible bank accounts here.

    See our explanation of eligibility criteria here.

  • How much can I cash out with Beforepay?

    The maximum amount you can cash out with a Beforepay Pay Advance is currently $2,000. If you’re a new customer, that limit may be between $50 and $1,000 depending on a variety of factors, such as how much you get paid and your debt. Your Beforepay account history and successful repayments can also impact how much you can borrow. Your limit is recalculated each time you cash out to make sure you get the right amount for your current situation. For more information visit our Help Centre 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 suppert@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.

What our customers say

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    Here to help

    We know questions don’t pop up on schedule, so we’re here for you when you need us

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    We play it safe

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    Name the place & time

    We know you get around, so with us you can access your pay anywhere. Anytime.

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