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Worried About Your Credit?
Whether you’ve got bad credit, good credit, or no credit, Beforepay has your back with clear, simple loans.
Understanding your options when credit checks are a concern
There are times when you may need access to money to cover an expense, whether it’s something unexpected or a cost that’s come up sooner than planned.
If you’re looking for a loan but are worried about your credit, it’s often because you’re unsure how your credit history might affect your options. This is a common concern, especially if your financial situation has changed or you’ve been declined in the past.
Different providers assess applications in different ways, and it’s important to understand how these processes work. Options that avoid traditional checks may still have other conditions, costs, or requirements that should be carefully reviewed.
Some people explore alternative ways to manage short-term expenses, while others take time to compare available options and understand what’s involved. Looking beyond approval alone and focusing on the total cost and how repayments will fit into your budget can help you make a more informed decision.
When deciding what to do, it can help to consider what’s manageable based on your current income and expenses. Taking a balanced approach can make it easier to avoid options that may create additional pressure over time.
Choosing an option that fits your situation and supports your financial stability can help you manage short-term needs while staying in control of your finances.
Get fast, fair finance
Add up to $2000 to your budget with a Pay Advance, minus the credit check.
Available online 24/7
Your funds in a flash
Repay in up to 4 instalments
Short-term funds when you need them most
From unexpected bills to everyday expenses, Pay Advance helps you cover short-term cash gaps and stay on top of your budget.
Beforepay Pay Advance
Need cash before payday? Get money in your account in as little as 5 minutes.
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How it works
A fast loan is only 3 steps away.
Create your account
Getting started is simple - sign up online or download the Beforepay app.
Connect your bank
Connect your bank account to explore your loan options or use Beforepay's money tools.
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Choose your loan
Borrow up to $2,000 with Pay Advance or apply for a Personal Loan of up to $5,000. Eligibility criteria applies.
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Create your account
Getting started is simple - sign up online or download the Beforepay app.
Connect your bank
Connect your bank account to explore your loan options or use Beforepay's money tools.
Choose your loan
Borrow up to $2,000 with Pay Advance or apply for a Personal Loan of up to $5,000. Eligibility criteria applies.
Common Questions
Transparent answers for confident borrowing.
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This often comes from concern about how credit history might affect available options.
Different providers use different criteria, so it’s important to understand how each option works.
Focusing only on approval can overlook important details like cost and repayment impact.
Looking at your income and upcoming expenses can help guide your decision.
Taking time to understand the full picture can help you avoid added pressure later.
Chosen by Over 1.7M Aussies
Plan, track, compare, and save with Beforepay’s free finance tools.
Eligibility
Borrowing that fits your life.
We check your income and expenses to make sure repayments fit your budget, with clear terms and no surprises.
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Our Awards & Recognition
There’s a reason why we’re Australia’s leading ethical leader.
Recognising the positive impact of AI-enhanced processes and automation on the quality and satisfaction of customer interactions.
Recognised for our unwavering commitment to customer-focused, ethical lending that prioritises and supports financial wellbeing.
Recognised for the ethical product design principles and lending safeguards that form the foundation of Beforepay’s innovative credit assessment technology.
Recognised for the seamless integration of ethical lending principles, technological innovation, and sustainable growth into our customer-focused lending process.
Recognised for the simplicity and convenience of the Beforepay app and its beneficial impact for our customers.
Recognised for our leading commitment to safe lending practices, fee transparency, and inclusive access to fair finance.
Beforepay CTO, Rajini Carpenter, recognised for her commitment to building innovative systems, championing inclusion and diversity, and inspiring more women to enter the tech space.
Recognised for our success in providing inclusive access to safe, short-term finance to more working Australians, supporting them when they need it most.
Recognised for the application of advanced AI and machine learning technologies into a human-focused credit assessment process.
Recognised for our relentless dedication to data-driven, ethical lending practices and product development that puts our customers first.
Recognised for our proprietary advanced credit risk technology, commitment to transparency, and built-in lending safeguards.
Recognised for our foundational ethical lending practices that prioritise the financial wellbeing of our customers.
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