Discover Beforepay's Quick Cash Loans and Budgeting Tools

SHORT TERM

Beforepay Pay Advance

For short-term cash gaps.

Colorful floral pattern with red and pink flowers on a dark background

Beforepay Personal Loan

For bigger, planned expenses.

Compare & Save

See what you could save on your utility bills.

Electricity

Gas

Broadband & Mobile plans

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FREE

Financial Pulse

See what's shaping your money.

Money health across 5 areas

Built from your connected accounts

No impact on your borrowing

Learn more

Beforepay brings together everything you need to manage the everyday and plan for what is next, all in one app. When a short-term gap pops up before payday, a Pay Advance can help you access up to $2,000 with repayments aligned to your pay cycle. For larger, planned expenses, a Personal Loan gives you up to $5,000 with more time to repay. And to help you stay ahead between borrowing, Financial Pulse gives you a simple read on your money across five areas, and Compare & Save shows where you could save on your bills. Whatever the money moment, our pricing is transparent and our approach is built to keep you in control.

ACTUAL REAL PEOPLE

Compare our loans

What product suits you best?

Features

Best For

Amount

Maximum Term

Interest

Setup Fee

No Late Fees

No Credit Check

Beforepay Pay Advance

Short-term cash gaps

$50 to $2,000†

62 days

Max. 24% p.a.‡

5%

Beforepay Personal Loan

Larger, planned expenses

$2,001 to $5,000†

3 to 12 months

Max. 24% p.a. (29.50% p.a. comparison rate‡)

5%

Best for

Amount

Maximum Term

Interest

Setup Fee

No Late Fees

No Credit Check

Short-term cash gaps

$50 to $2,000†

62 days

Max. 24% p.a.‡

Best for

Amount

Maximum Term

Interest

Setup Fee

No Late Fees

No Credit Check

Larger, planned expenses

$2,001 to $5,000†

3 to 12 months

Max. 24% p.a. (29.50% p.a. comparison rate‡)

‡ Comparison rate calculated on a $2,500 loan over a 2-year term.

Applications are typically approved in under 60 seconds, though some applications may require additional review.

† Approved loan amounts are subject to Beforepay’s lending criteria and verification requirements.

‡ Comparison rate calculated on a $2,500 loan over a 2-year term.

‡ WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or loan amounts may result in a different comparison rate.

Terms and conditions apply. All applications are subject to credit assessment, eligibility criteria and lending limits. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser. BPG Credit Pty Ltd, ABN 59 673 570 575, Australian Credit Licence 554659, is the credit provider for Beforepay Personal Loans. Beforepay Pay Advance is offered by Beforepay Finance Pty Ltd, ABN 45 636 670 525. Both entities are subsidiaries of Beforepay Group Limited, ABN 63 633 925 505. Level 9, Suite 1, 77 Castlereagh Street, Sydney NSW 2000. Beforepay Group Limited and its Beforepay goods and services are in no way sponsored, approved or affiliated with Quadpay Inc., Openpay Pty Ltd, Afterpay Pty Ltd, ZipMoney Payments Pty Ltd and their associated entities/affiliated companies. Bank logos and trademarks are the property of their respective owners and are used for identification purposes only. No endorsement or affiliation is implied.

Take Control of Every Money Moment

Beforepay Pay Advance

Beforepay Personal Loan

Compare & Save

Financial Pulse

Compare our loans

Features

Best For

Amount

Maximum Term

Interest

Setup Fee

No Late Fees

No Credit Check

Beforepay Pay Advance

Short-term cash gaps

$50 to $2,000†

62 days

Max. 24% p.a.‡

5%

Beforepay Personal Loan

Larger, planned expenses

$2,001 to $5,000†

3 to 12 months

Max. 24% p.a. (29.50% p.a. comparison rate‡)

5%

Chosen by Over 2M Aussies