How does Beforepay work?


We’ve made Beforepay as simple as we can, after all who has time to translate a whole lot of financial jargon?!


IMG 1-1

Accessing our budgeting & pay advance features

  • Download our app and
    connect to your bank
  • We calculate your
    Cash Out limit
  • You get fast access
    to your pay
  • Set up a bespoke budget
    to track your spending
  • Make automatic repayments,
    aligned to your pay cycle
IMG 2-1

Getting a pay advance

Our eligibility criteria and Cash Out limit assessment are designed carefully so we don’t give you more than you can afford. You get it. If you have a good repayment history with us, you might be able to get even more cash next time.

Money Management

What else can we do for you?

Listen, we could all spend our cash a little more wisely, so we help you track your spending to help you stay on top of how much you spend on bills each month (or on ice cream-eek).

Creating a budget

We’ll create a bespoke budget just for you, by analysing your spending and income.

Our app shows you the areas you’re spending your money on and suggests where you can make improvements with a budget that’s tailored to your pay.

Modify your budget

And if you don’t think our budget suggestion is correct, no problem! It’s fully customisable so you can create your own budget and track how you go over the course of the next month.


Who can get their
Pay On Demand™?

To Cash Out with Beforepay using Pay On Demand™ you must meet the below eligibility criteria. 

  • Earn $300 a week

    You make at least $300 in income after tax each week. Centrelink and other government benefits cannot make up more than 50% of your income.

  • Regular pay cycle

    You have a regular pay schedule (weekly, fortnightly, monthly) and your pay is directly deposited into your account.

  • Online bank account

    Your salary income is deposited by your employer into the bank account that is linked to your Beforepay account.

  • Salary deposited in savings account

    Your salary needs to be deposited into an account that can be direct debited. Some savings accounts are not eligible. 

  • Pass our financial assessment

    You pass our risk assessment, which is based on an analysis of your income, expenses and other spending behaviour. 


4.8 Stars

Join 700,000+ happy Aussies!