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Bond loan options: government schemes first, Beforepay for the rest
There are times when you may need access to money to cover an expense, whether it’s something unexpected or a cost that’s come up sooner than planned.
If you're looking for a bond loan, the first place to check is your state government, not a lender. Most states and territories offer an interest-free rental bond loan or bond assistance scheme for eligible renters, including RentStart Bond Loan in NSW, the Bond Loan Scheme in Queensland and Victoria, and similar schemes in other states and territories. These are worth applying for first, since they don't charge interest or fees, unlike a commercial loan.
When a Beforepay Personal Loan can help
If you're not eligible for a government bond scheme, or you need a bit extra to cover the bond, moving costs, or a gap between bonds, a Beforepay Personal Loan can lend up to $5,000. It's general-purpose finance rather than a bond-specific product, so it can also help with related costs like a moving service, connecting utilities, or furniture for the new place. If it's an ongoing rent payment you need help with rather than the bond itself, our rent loan page looks at that in more detail.
Eligibility and affordability
Approval depends on an affordability assessment based on your income and regular expenses, so it isn't guaranteed. You can check what's required on our eligibility page.
Applying
Applications are online and, once approved, funds can be paid out in as little as 5 minutes for approved customers. Repayments are scheduled against your pay cycle. See how it works or the Personal Loan product page for full details.
This information is general in nature and doesn't take into account your personal circumstances. It isn't financial advice. Approval is not guaranteed. Terms of Service and eligibility criteria apply.
Move on from budget stress
A Beforepay Personal Loan can provide up to $5000 to help make your move as smooth and painless as possible, whether you need help with the bond until you get your old one back or to buy household essentials to get you set up in your new home.
Condense your expense
Transparent fees
Clear repayments
Plan bigger with confidence
Whether you’re covering a larger expense or planning ahead, Personal Loans give you clear repayments and flexible terms designed around your budget.
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.
Common Questions
Transparent answers for confident borrowing.
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Rent and mortgage payments are fixed and often take up a large part of your budget.
It can help to speak with your landlord or lender about available options.
Some adjust their budget, while others look at ways to manage short-term gaps.
Looking at how it fits your income and expenses can help guide your decision.
Planning ahead and choosing manageable options can help.
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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A better way to borrow
Recognised for simple, ethical lending that puts customers first.
Recognised for the strength of Pay Advance customer recommendations, reflecting high satisfaction with our simple, ethical lending experience.
Recognised for building trust with Pay Advance customers through transparent, ethical lending that puts their needs first.
Recognising the positive impact of AI-enhanced processes and automation on the quality and satisfaction of customer interactions.
Recognised for our unwavering commitment to customer-focused, ethical lending that prioritises and supports financial wellbeing.
Recognised for the ethical product design principles and lending safeguards that form the foundation of Beforepay’s innovative credit assessment technology.
Recognised for the seamless integration of ethical lending principles, technological innovation, and sustainable growth into our customer-focused lending process.
Recognised for the simplicity and convenience of the Beforepay app and its beneficial impact for our customers.
Recognised for our leading commitment to safe lending practices, fee transparency, and inclusive access to fair finance.
Beforepay CTO, Rajini Carpenter, recognised for her commitment to building innovative systems, championing inclusion and diversity, and inspiring more women to enter the tech space.
Recognised for our success in providing inclusive access to safe, short-term finance to more working Australians, supporting them when they need it most.
Recognised for the application of advanced AI and machine learning technologies into a human-focused credit assessment process.
Recognised for our relentless dedication to data-driven, ethical lending practices and product development that puts our customers first.
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