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Stay on Top of Your Cash Flow With Pay Advance
Access up to $2,000† to cover short-term gaps, with repayments that align to your pay cycle.
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What could help right now?
Whether it’s a bill, a repair or a bigger cost you’ve been planning for, Beforepay can help you explore loan options that may suit your needs.
Approved amount and terms are based on your eligibility. T&Cs apply.
Explore to see what’s available
Get a feel for your options, whether you need help with a smaller short-term cost or a bigger planned expense.
Cover smaller, short-term costs
A Pay Advance could help with things like bills, groceries or unexpected expenses before payday, with one clear fee and no late fees.
Pay for bigger, planned expenses
A Personal Loan could help with larger expenses like car repairs, home essentials or other planned costs, with repayments spread over time.
Pay Advance for short-term expenses
A Beforepay Pay Advance can help when a small, unexpected expense pops up before payday.
Money when time matters
Quick to set up and easy to use, so you could get your Pay Advance in as little as 5 minutes if approved.
No credit checks needed
It's a fairer way to borrow, based on your current financial picture — not a traditional credit check.
Costs you can see upfront
Know the cost of your Pay Advance before you borrow, with no hidden fees or surprise charges.
Compare our loans
What product suits you best?
Features
Best For
Amount
Maximum Term
Interest
Setup Fee
Late Fees
Credit Check
Beforepay Pay Advance
Short-term cash gaps
$50 to $2,000†
62 days
Max. 24% p.a. for some users ‡
Fixed 5%
No
No
Beforepay Personal Loan
Larger, planned expenses
$2,001 to $5,000†
12 months
Max. 24% p.a. (29.50% p.a. comparison rate‡)
Fixed 5%
No
No
‡ Comparison rate calculated on a $2,500 loan over a 2-year term.
How it works
Create your Beforepay account
Getting started is simple — you can create your Beforepay account online or in the app in just a few minutes!
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Connect your bank
Connect the bank account where your main income is paid. We'll use this to determine an amount that is fair and affordable for you to borrow, as well transfer your funds if approved.
You can also add other bank accounts to give a clearer view of your financial situation, which may help with your eligibility assessment.
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Review your loan details
If you’re eligible, you’ll see your available Pay Advance amount, costs and repayment details upfront.
Choose what works for you — borrow all or part of your available amount, depending on what you need. Your available amount may change from time to time based on your financial circumstances.
When everything looks good, confirm your Pay Advance and your funds could be in your account in minutes!
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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For the moments that catch you off guard
From car repairs to overdue bills, Pay Advance helps you cover short-term costs and stay in control.
FAQs
Everything you need to know.
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Pay Advance is a fast, short-term loan intended to deal with sudden, unexpected, or more-than-expected expenses in between paydays.
Pay Advance is a fast, short-term loan intended to deal with sudden or unexpected expenses in between paydays. These can include medical bills, vet treatments, car or home repairs, appliance replacements, bills, and more. You can check out some common uses in our Life Moments tab.
Pay Advance is a short-term loan of up to $2,000 designed to handle sudden or higher-than-normal expenses and is repaid in up to 4 instalments aligned to your pay cycle. Personal Loan is a longer-term loan of up to $5,000 designed for future planned expenses, repaid over 1-12 months.
You can borrow between $50 and $2,000 with Pay Advance. The exact amount offered depends on what our automated assessment determines is a safe borrowing limit for your financial circumstances.
The total cost will depend on the amount borrowed and duration of the loan. Pay Advance includes a 5% setup fee and a low interest rate. You’ll see the total cost before you cash out.
No traditional credit checks are required for Pay Advance. However, our system does assess your financial situation to determine an appropriate lending amount.
Repayments are automatically debited from your primary bank account according to a personalised repayment schedule. Repayments are aligned to your pay cycle, up to a maximum of 4 instalments. You can view your schedule or make early repayments within the Pay Advance section of the Beforepay app. There are no early repayment fees.
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