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Emergency car repair loans: get back on the road sooner
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.
A car repair loan can be the difference between waiting weeks for a fix and getting back on the road straight away. Beforepay Pay Advance lends up to $2,000 towards car repair costs, from a flat tyre or dead battery to bigger jobs like brakes, a timing belt, or engine work.
Mechanics usually want payment on collection, not in instalments, which is awkward when the bill lands between pay days. That's the gap a Pay Advance is built for.
How much you can borrow
Pay Advance covers smaller, urgent repair bills up to $2,000. If your repair bill is bigger, for example a major engine rebuild or an insurance excess plus repairs, a Personal Loan of up to $5,000 may be a better fit.
Eligibility and affordability
Beforepay doesn't run a traditional credit check, but every application is still assessed for affordability based on your income and spending, so approval isn't guaranteed. Check the criteria on our eligibility page before you apply.
Applying for emergency car repair finance
Applications are completed online and, once approved, funds can arrive in as little as 5 minutes for approved customers. Repayments are set against your regular pay cycle so you can plan around them. Read more about how it works, or see our Pay Advance product page. If your car needs replacing rather than repairing, our car loan page looks at financing options for car-related costs.
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.
Jumpstart your budget
Get up to $2000 with a Beforepay Pay Advance to handle everything from flat tyres and broken windows to overheated engines and structural damage.
Available online 24/7
Your funds in a flash
Repay in up to 4 instalments
Short-term funds when you need them most
From unexpected bills to everyday expenses, Pay Advance helps you cover short-term cash gaps and stay on top of your budget.
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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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Repairs are often needed immediately to keep your car safe and usable, which can make it hard to delay the cost.
Many repairs are paid once the work is completed, although some providers may offer flexibility.
Some prioritise essential repairs first, while others look at ways to spread or manage the expense.
It can help to understand the cost, urgency, and how payment will affect your budget.
Focusing on what’s necessary and what’s manageable can help you stay on track.
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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