A Target Market Determination (TMD) sets out the group of customers a financial product is designed for, the conditions under which it is distributed, and how we review whether it is reaching the right people. It is a requirement under Australian design and distribution obligations, and it is part of how Beforepay lends responsibly.
In plain terms, a TMD helps you understand who a product is intended for and whether it is likely to suit your needs before you apply. Below are the current TMDs for our two credit products, Pay Advance and Personal Loan. Each sets out the target market, key eligibility conditions and how the product is intended to be used. We review our TMDs regularly and update them as needed, so always refer to the latest version dated on this page.
This information is general only and does not take into account your personal circumstances. If you are unsure whether a product is right for you, consider your own situation and read the full TMD, along with our Terms of Service, before applying.
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