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Great question! Beforepay provides an ethical option for accessing short-term loans. Through our Pay Advance loans, we charge no interest - just a fixed 5% fee. 

We're also a budgeting app, so we provide you with a personalised budget and spending insights to help you stay on top of your finances.

If you’re still curious, we’ve answered this question in a bit more detail here.

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, administrative fees, or anything like that. 

For example, if you cash out $100, you pay back $105

We also create a repayment schedule that works for you, giving you the option to repay in multiple instalments or all at once. 

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.

Using Beforepay also doesn’t affect your credit score.

The maximum amount you can cash out with a Beforepay Pay Advance is currently $2,000. If you’re a new customer, that limit may be between $50 and $1,000 depending on a variety of factors, such as how much you get paid and your debt. Your Beforepay account history and successful repayments can also impact how much you can borrow. Your limit is recalculated each time you cash out to make sure you get the right amount for your current situation. For more information visit our Help Centre here.

Once you have a Pay Advance, there are a variety of ways to pay it back. We automatically create a repayment schedule for you, aligning this with your pay cycle. You also have the option to 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 your repayments are automated.  If you wish to make a manual repayment, you can also use PayID or Osko.

By accessing a Pay Advance with Beforepay, you can access your wage before your payday, and pay it back later in instalments. We know that your cash flow can change, and you can’t always wait until payday. That’s why, with Beforepay Pay Advance, you can get a cash boost of up to $2,000 (subject to eligibility and assessment criteria) in as little as five minutes. By providing a Pay Advance quickly, we aim to make sure you always have access to extra funds when you need, even if your payday is still a while away.

Beforepay currently supports a number of banks . 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 sending an email to support@beforepay.com.au

No, when you use Beforepay your employer will not be contacted. We value your privacy, so we just talk to you, not your employer.