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Car loan options: what Beforepay can (and can't) help with
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 searching for a car loan, it helps to know exactly what you're borrowing for. A Beforepay Personal Loan isn't designed to finance the purchase of a whole vehicle. Instead, it can lend up to $5,000 towards the smaller, often unplanned costs that come with owning a car, think repairs, registration, insurance premiums, or topping up a deposit you're still saving for.
Buying a car outright, especially a newer or larger vehicle, usually means borrowing $20,000 or more. That kind of finance sits outside what Beforepay offers, so if you need to fund the full purchase price of a car, a dedicated car finance lender or dealer finance is the better fit.
What a Beforepay Personal Loan can help with
Where Beforepay can genuinely help is with the costs around a car rather than the car itself: an unexpected repair bill, annual registration, a comprehensive insurance premium, or bridging a gap between your savings and the deposit a seller wants. If your car has broken down and needs fixing, our car repair loan page covers that in more detail.
Eligibility and affordability
To apply, you'll generally need to be an Australian resident over 18, with a regular income and an active bank account. Every application goes through an affordability assessment, so approval isn't guaranteed and depends on your circumstances. You can check the full criteria on our eligibility page.
How it works
Apply online, and if you're approved, funds can land in your account in as little as 5 minutes for approved customers. Repayments are scheduled around your pay cycle, so you know upfront what's due and when. See how it works, or compare it with our Personal Loan product page.
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.
Accelerate Your Budget
A Beforepay Personal Loan can offer up to $5000 to help you buy a used car, a new model, or to cover vehicle expenses such as rego and insurance.
Super-Fast Approvals
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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Along with the purchase price, there are ongoing costs like insurance, fuel, and maintenance to consider.
Some purchases are paid in full, while others involve structured payment options.
Some save over time, while others look at ways to spread payments.
Understanding the total cost and how it fits your budget can help guide your decision.
Setting a realistic budget and factoring in ongoing costs 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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