How does it work?

How does it work?

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

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  • Download our app and
    connect to your bank
  • We calculate your
    Cash Out limit
  • You get instant
    access to your pay
  • Set up a bespoke budget
    to track your spending
  • Make automatic repayments,
    aligned to your pay cycle
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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).

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.

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™?

We’d love to help everyone access their pay early, but we can only help if you meet the below criteria. Here are our deal breakers:

  • Earn $300 a week

    You have to earn over $300 a week after tax. Sorry, but Centrelink payment cannot make up more that 50% of this amount.

  • Regular pay cycle

    You have to be paid regularly - weekly, fortnightly or monthly.

  • You must be employed

    Your boss must classify you as full-time, part-time, casual, contractor or on-demand (like delivery driver). Sorry, we can’t help out if you’re self employed.

  • Online bank account

    Your salary must be deposited into a bank account that is linked to your Beforepay account (we sort out the linking bit for you)

  • Salary deposited in savings account

    Your salary can’t be deposited into a savings account.

  • Pass our financial assessment

    You pass our financial assessment (including your income and spending behaviour)


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