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Loans for whatever pops up
Whether you need to handle a sudden, short-term expense or are planning for the future, we’ve got loans to suit.
Find a loan that fits
Beforepay has a loan to suit almost any occasion, whether you need a little extra for a sudden expense or are planning for something bigger.
Beforepay Pay Advance
Need cash before payday? Get money in your account in as little as 5 minutes.
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Beforepay Personal Loan
Larger expenses on the horizon? Get bigger amounts and longer to repay with Personal Loan.
How it works
A fast loan is only 3 steps away.
Create your account
Getting started is simple - sign up online or download the Beforepay app.
Connect your bank
Connect your bank account to explore your loan options or use Beforepay's money tools.
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Choose your loan
Borrow up to $2,000 with Pay Advance or apply for a Personal Loan of up to $5,000. Eligibility criteria applies.
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Create your account
Getting started is simple - sign up online or download the Beforepay app.
Connect your bank
Connect your bank account to explore your loan options or use Beforepay's money tools.
Choose your loan
Borrow up to $2,000 with Pay Advance or apply for a Personal Loan of up to $5,000. Eligibility criteria applies.
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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FAQs
Everything you need to know.
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You can get a loan for almost anything you can think of up to a value of $5,000. Common uses include sudden bills, dental work, rent, groceries, travel, and weddings. See the individual use case pages for more.
Beforepay has two main loan products:
- Pay Advance: A short-term loan of up to $2,000 designed to cover sudden, unexpected, or more-than-expected costs between pays.
- Personal Loan: A longer-term loan of up to $5,000 designed for planned expenses or larger unexpected costs.
Only for a Personal Loan. You aren’t required to disclose loan purpose if you’re taking out a Pay Advance.
Yes, you can still get a loan with Beforepay as long as you meet all eligibility criteria and pass the credit assessment.
To be considered for a Beforepay loan, there are a few basic things we’ll check first. You’ll need to:
- Be an Australian resident aged 18 or older.
- Have a current Australian driver’s licence, passport, or Medicare card.
- Maintain employment and receive a wage.
- Not earn more than 51% of your total income from Centrelink.
- Have no other active Beforepay loans.
If you meet these, we’ll then complete an eligibility assessment. This helps us understand your situation and check that any amount you borrow is fair, affordable and suitable for you.
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