Forget about finding the best payday lender, use an ethical solution instead.

If you need a cash boost before payday, don’t try and find the best payday lender – choose the ethical alternative designed with your financial health in mind. As a multi-award winning service with 4.8 stars from over 20,000 reviews, we’re proud to be a leading Australian provider of secure low-cost pay advances. Having been awarded Ethical Lender of the Year twice, Beforepay exists to provide a safe, reliable alternative to payday lenders. 

Unlike payday lenders, we don’t charge interest or late fees, and don’t affect your credit score. We have a single flat transaction fee of 5%, unlike payday lenders which can be very expensive. Yikes! We’re also flexible with repayments, including options to delay your payments. We’re here to make life easier for you, not harder, so our policies are designed with your needs in mind.

Conventional short-term loans often have high interest and fees. Beforepay offers a dynamic, flat-fee interest-free alternative that aligns with your personal cash flow. This service is not just about bridging a financial gap; it's about integrating seamlessly with your lifestyle, giving you access to your pay when you need it. This modern solution counters the rigid and costly nature of typical payday loans, making Beforepay an increasingly popular choice for Australians seeking financial flexibility.

As one of Australia's leading ethical loan apps, Beforepay prides itself on transparency, ease of use, and a commitment to ethical lending. Our users enjoy the benefit of accessing their earnings ahead of schedule, without the complexities and potential pitfalls often seen in payday loans. Why settle for a payday loan when you can have an affordable pay advance that's tailored to your needs? Our app's popularity is a testament to our understanding of what Australians really want – flexibility, control, and financial freedom. We’re here to provide exactly that.

We are on a mission

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    Ethical lending

    With our flat fees and flexible repayments, it’s no wonder we’ve won Ethical Lender of the Year – twice!

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    Money in minutes

    Don’t wait for your pay! We give you access to your money, when payday can’t come soon enough.

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    Budget better

    We make budgeting easy by creating a tailored budget, personalised just for you. Your mum will be thrilled.

    How it Works

Frequently Asked Questions

  • Will I get my pay fast?

    Lickety-split! Once you Cash Out, the money is normally in your account in under a minute. That means you can Cash Out while you wait in line for your groceries and have your money by the time you get to the checkout. Our pay advances are designed to be fast, so they’re a great choice if you need cash, and they’re also available 24/7, including weekends and public holidays.

  • How does Beforepay work?

    Great question! Beforepay provides short-term ethical pay advance loans, which means that we provide fast access to your wages – before payday. We charge no interest, just a fixed 5% transaction fee. We are also a budgeting app, so we provide you with a personalised budget and insights based on your spending habits. Beforepay allows you to access pay before your employer pays you, with 24/7 loan availability.

    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, interest, administrative fees, or anything like that. For example, if you Cash Out $100, you pay back $105. We help you create a repayment schedule that works for you, repaying in multiple instalments or all at once. Beforepay also doesn’t affect your credit score.

  • Who is eligible for Beforepay?

    Eligibility is based on your income, pay schedule, employment, and risk assessment criteria. To be eligible, 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 must pass our risk assessment criteria, which is not related to your credit but an analysis of your financial eligibility for Beforepay.

    From a technical perspective, your bank account must also be able to process Beforepay deposits and debits, and receive your salary.

    For more detail, see our explanation of eligibility criteria here.

  • How much can I Cash Out with Beforepay?

    The maximum Cash Out amount is currently $2,000. If you’re a new customer, that limit will be between $50 and $1,000 depending on a variety of factors, such as how much you get paid, your debt, and so on. Your Cash Out history and successful repayments also impact your limit, which is recalculated every time you go to cash out to make sure you get the right amount for your current situation. For a more in-depth explanation, see 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

450+ reviews
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    Loving you 24/7

    We know questions don’t pop up on schedule, so we’re here 24/7

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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.

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4.8 Stars

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