Beforepay is here to help

Life can be unpredictable. We get it. After all, that’s why we started - to give you access to your pay for those moments when you need it most.

If your circumstances change and you find that you are experiencing difficulty making your repayments, we’re here to work with you to find a solution. We’ve got your back.

Learn how to request assistance in the event of financial hardship below.

What is considered financial hardship?

You may find you are experiencing financial hardship if there is a change in your circumstances that means you are no longer able to meet your financial commitments, like making your repayments. This can happen to anyone. Some examples of financial hardship include:

    • Change in employment status
    • Change in family or relationship status
    • Loss of a loved one
    • Medical illness or injury
    • Natural disaster
    • Domestic/family violence 

How can Beforepay help?

Your financial wellness and well-being is our priority, and we remain flexible in adapting to the changing needs of our Beforepay community.

In the event of financial hardship, we are committed to working with you to determine a reasonable and appropriate resolution so we can support in getting back on track. We do this by assessing your application for financial hardship and, based on the outcome of the assessment, outlining methods of assistance that are available to you (if applicable).

How can I apply for financial hardship?

You can submit an application for financial hardship by emailing

We will assess your application and will contact you to supply supporting documentation. Some examples of this may include, but is not limited to:

  • Copy of bank statements
  • Copy of medical certificates or medical expenses
  • Evidence of employment changes (E.g. Pay Slip or Notice of termination)
  • Evidence of government support or welfare
  • Statement of Financial Position

How long is your assessment process?

Once we receive your application for financial hardship, we will go through an assessment process before providing you with a written outcome.

We will aim to provide you with an outcome in writing within 21 days of receiving your application for financial hardship. If we are waiting on outstanding documentation, this timeframe will extend to 28 days.

More questions? Please reach out to our Customer Support team on

Other resources

We have provided the below resources should you wish to seek additional support and assistance.

National Debt Helpline

The National Debt Helpline is a free, independent government service that provides access to guides and financial counselling to help you get your finances back on track.

You can contact the National Debt Helpline via their website or phone 1800 007 007 (Monday - Friday, 9:30am - 4:30pm).


Moneysmart provides free tools, tips and guidance for everything from managing your money to reducing your debt in order to support your financial wellbeing.

You can access these resources via the Moneysmart website .

National Domestic, Family and Sexual Violence Counselling, Information and Support Service

1800RESPECT is funded by the Australian Government through the Department of Social Services to provide support for:

  • People experiencing, or at risk of experiencing, domestic, family and sexual violence
  • People supporting someone experiencing, or at risk of experiencing, domestic, family and sexual violence
  • Professionals supporting someone experiencing, or at risk of experiencing domestic, family and sexual violence.

They are a confidential service available 24 hours a day, seven days a week.

You can contact 1800RESPECT via their website or phone 1800 737 732 24/7.


Last updated September 2022


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