See what's shaping your money, across five areas that matter, built from your own connected activity.
Most of us have a rough feeling about our money. Financial Pulse swaps the guessing for an actual answer!
Built from 90 days of what's happening in your connected accounts, you get a clear view of where you stand, so you know exactly how your money's tracking, and what's behind it.
Best part? It's free, yours to check when you need, and here to help you understand your money, not to judge it, so it has no bearing on your eligibility or borrowing with Beforepay.
Getting started takes just a few minutes, online or in the app. This is what Financial Pulse reads from, so connect the accounts you'd like included. The more you connect, the fuller the picture you'll get.
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See your overall money health based on the last 90 days of activity detected in your connected accounts, and learn about the 5 vitals that influence your overall money health.
Your Financial Pulse lands somewhere between Starting, Building, Steady, Strong and Excellent. It's not a pass or fail — just an honest read on where things stand right now, based on what we've detected, and it'll shift over time as your money does.
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Your Financial Pulse is made up of five vitals: money in vs. money out, money movement, money rhythm, short-term debt and money habits.
Tap into any of them for a closer look. For example, money habits looks at recognised fees, payment reversals and refund patterns in your connected accounts, so you can see exactly what's driving your pulse.
A simple way to understand where you stand.
Not a credit score or stamp of approval. Just helping you understand your money better.
Your result won't touch your eligibility, limit or pricing, on this or anything else with us.
No pressure, no schedule, just a good way to see how your money's moving.
Getting your Financial Pulse takes just a few minutes.
Create your Beforepay account, connect your bank, and you're ready to go, free to check whenever you like.
Here's a peek at some of the money patterns you'll be able to get a pulse check on!
Everything you need to know.
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Financial Pulse is a free feature in the Beforepay app that gives you a view of your financial health across five areas, based on recognised activity in your connected accounts over the last 90 days.
Your result is based on 90 days of recognised transaction activity across your connected accounts, looking at five areas: spending pace, cash buffer, income steadiness, short-term debt and bounce-back.
Yes. Financial Pulse is based on recognised activity in the accounts you connect, so an active bank connection is needed to see your result. You can connect more than one, and the more you connect, the fuller the picture you'll get.
Yes. Financial Pulse is based on recognised activity in the accounts you connect, so an active bank connection is needed to see your result.
We don't share your Financial Pulse result with other lenders or credit reporting bodies. We handle your information in line with our Privacy Policy and your bank-data consent.
No. Financial Pulse is general information only. It isn't a credit score or an affordability assessment, and it doesn't affect your eligibility, limit or pricing.
No. Financial Pulse is free to use in the Beforepay app.
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