Money in minutes when it matters most
Sometimes payday is just too far away. Maybe your car breaks down, you have an urgent vet bill, a mate’s birthday, or just need a cash boost to keep things running smoothly. With Beforepay’s Pay Advance, eligible users can access up to $2,000 of wages before payday for a single 5% transaction fee, in as little as five minutes. No other costs or interest. How good is that?
Beforepay is designed to put financial control in the hands of working Aussies like you, while taking the weight off your shoulders. With flexible repayments, and personalised budgeting tools, we make it easy to take control of your finances.
Quick Loans
Join over 700,000 Aussies who get quick loans from Australia’s two-time Ethical Lender of the Year for…
- The best ethical alternative to payday loans
- Pay Advance
- Quick online pay advances
- Quick small pay advances between $50 and $2,000
- Quick weekend pay advances
- Quick public holiday pay advances
- Quick pay advances with no credit check
- Quick pay advances for vet bills
- Quick pay advances for water bills
- Quick pay advances for phone bills
- Quick pay advances for utility bills
- Quick pay advances for Foxtel, Netflix, and other entertainment bills
- Quick pay advances for rent payments
- Quick cash advances across Australia
- Repaying bills in instalments
Get started with Beforepay
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
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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.
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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.
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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.
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How do I repay my loan?
Once you have a Pay Advance, there are a variety of ways to pay it back. We automatically create a repayment schedule for you, aligning this with your pay cycle. You also have the option to 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 your repayments are automated. If you wish to make a manual repayment, you can also use PayID or Osko.
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Can I get my pay now even if I’m being paid later?
By accessing a Pay Advance with Beforepay, you can access your wage before your payday, and pay it back later in instalments. We know that your cash flow can change, and you can’t always wait until payday. That’s why, with Beforepay Pay Advance, you can get a cash boost of up to $2,000 (subject to eligibility and assessment criteria) in as little as five minutes. By providing a Pay Advance quickly, we aim to make sure you always have access to extra funds when you need, even if your payday is still a while away. -
What banks does Beforepay support?
Beforepay currently supports a number of banks . 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 sending an email to 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.
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
We value and respect our customers, that includes their data.
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Name the place & time
We know you get around, so with us you can access your pay anywhere. Anytime.