How Beforepay can help when payday pressure hits

With all the ups and downs of life, being pressed for pay is a common challenge faced by countless Australians. Beforepay is designed to provide a solution in times when immediate access to your earnings is important. We understand the pressure that comes when you're pressed for your pay. That’s why when you Cash Out with Beforepay, you’ll have money in your account in as little as 5 minutes for eligible users.

At Beforepay, we work to get financial pressure off your back so there’s no more time spent nervously waiting for payday. We offer a seamless way to access your pay in advance, providing a buffer in those crucial times when your regularly scheduled paycheck just can’t come soon enough. Whether it's for urgent bills, emergency expenses, or just managing day-to-day financial demands, Beforepay's service is a reliable solution for when you're pressed for your pay.

Our commitment extends beyond just providing access to your earnings; we aim to empower our users with financial flexibility. When you use Beforepay, you’re taking control of your financial situation. Not only do we give you access to your hard-earned money on your terms, without the constraints of a traditional pay cycle, we provide you with personalised budget help and insights to make the most of your money.

Beforepay’s service is designed to be transparent and responsible. When you’re under financial pressure, the last thing we want to do is give you more to think about. That’s why our system is transparent and simple, with no hidden fees or costs. It’s even automated, so that once you’ve taken out your loan you don’t have to think twice.

Beforepay is made to take the pressure off your back and the guesswork out of the world of money. With an all-in-one financial solution in your pocket, you can sit back and focus on living your life. We’ll handle the boring stuff for you.

We are on a mission

  • Budgeting goals badge (arrow in bullseye)

    Ethical lending

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

    Learn More
  • Rocket ship

    Money in minutes

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

    Start Now
  • Repay the smarter way badge (lips)

    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
  • support image

    Loving you 24/7

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

  • secure image

    We play it safe

    We value and respect our customers, that includes their data.

  • access image

    Name the place & time

    We know you get around, so with us you can access your pay anywhere. Anytime.

Download

Download on Apple App Store icon Download on Google Play Store icon
4.8 Stars

Join 700,000+ happy Aussies!