Need a Loan for Car Repairs?

A Beforepay Pay Advance loan can help get you back on the road safely, quickly, and affordably.

Illustration of car repair expenses with a damaged car and dollar icons.

Understanding Your Options for Car Repair Costs

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.

Car repairs can come up unexpectedly, and when they do, they’re often difficult to delay. Whether it’s a breakdown, a safety issue, or a fault that needs attention, getting your vehicle back on the road can be a priority.

Costs can vary depending on the type of repair, and in many cases, payment is required once the work is completed. This can create pressure if the expense doesn’t line up with your regular pay cycle.

Some people choose to prioritise essential repairs and manage the cost as it arises, while others look into different ways to spread or cover the expense. It’s important to understand how each option works, including any conditions and how repayments would fit into your ongoing budget.

When deciding what to do, it can help to consider how urgent the repair is and whether there’s flexibility in timing. Looking at what’s necessary now, and what’s manageable financially, can make it easier to move forward.

Choosing an option that allows you to address the issue without putting strain on your day-to-day finances can help you stay mobile while keeping your budget on track.

ACTUAL REAL PEOPLE

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

Beforepay is entirely digital, providing you with cash on demand wherever you are and whenever you need it. All you need is an internet connection.

Your Funds in a Flash

No one wants to wait for lengthy approvals. Our fast application process helps you go from sign-up to cash-in-account in as little as 5 minutes.

Repay in up to 4 Instalments

Repayments are aligned to your paycycle, helping you spread out the total cost of the loan and reduce budget disruptions.
PAY ADVANCE

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.

SHORT TERM

Beforepay Pay Advance

Need cash before payday? Get money in your account in as little as 5 minutes.

Borrow $50–$2,000†
Repay within 62 days
Approved in under 60 seconds
BEST FOR
Covering unexpected bills, groceries, rent shortfalls, or bridging the gap until your next paycheck.
Mobile app interface for cashing out pay instantly, featuring $2000 balance and options to create an account or log in.

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.

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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.

Step 1 yellow graphic

Connect your bank

Connect your bank account to explore your loan options or use Beforepay's money tools.

Step 2 yellow graphic

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.

Step 3 yellow graphic
ACTUAL REAL PEOPLE

Common Questions

Transparent answers for confident borrowing.

Why do car repairs feel urgent financially?

Repairs are often needed immediately to keep your car safe and usable, which can make it hard to delay the cost.

Do mechanics require payment straight away?

Many repairs are paid once the work is completed, although some providers may offer flexibility.

What options do people consider for repair costs?

Some prioritise essential repairs first, while others look at ways to spread or manage the expense.

What should I check before agreeing to repairs?

It can help to understand the cost, urgency, and how payment will affect your budget.

How can I handle repair costs without disrupting my finances?

Focusing on what’s necessary and what’s manageable can help you stay on track.

ACTUAL REAL PEOPLE

Chosen by Over 1.7M Aussies

Plan, track, compare, and save with Beforepay’s free finance tools.

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Very good

Very good, helps my financial shortage

customer
May 7, 2026
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Very easy app to use and the money…

Very easy app to use and the money transfers to you very quickly

Jackie
May 7, 2026
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Easy and useful when you need it

Easy and useful when you need it

Elsa
May 7, 2026
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Amazing service

Amazing service

Dm
May 6, 2026
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Quick and efficient

Quick and efficient, very helpful

customer
May 6, 2026
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It’s very easy and convenient for when…

It’s very easy and convenient for when you need extra funds before your pay.

ANNA J.
May 5, 2026
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Has always helped us out

I like how the give you a minimum payment and different options to is the money back

customer
May 5, 2026
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Helpful in time of need

Helpful in time of need Awesome

ESETIA LETOGA
May 4, 2026
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Very helpful and fast in transferring…

Very helpful and fast in transferring money into my account.

Carla
May 2, 2026
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Payments have been a lot of…

Payments have been a lot of help....easy and simple instuctions to follow, week to week repayments make it easy on the current high living costs.I have recommended to many family n friends whom all are thankfull for the small %interest incurred. Great job BeforePay team...thank you with 5 stars of happiness.

Nghia T
May 1, 2026
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Good experience for more than 1 year

Good experience for more than 1 year

Ramy
April 30, 2026
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Easy and fast service

Doing well and fast

Taiifilele Tuaniu
April 30, 2026
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Excellent service

Excellent service

Nathan Barrett
April 30, 2026
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Easy quick no hassles and low fees.

Easy quick no hassles and low fees.

customer
April 30, 2026
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Great support financially.

Great support financially.

Narelle
April 30, 2026
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They seem to help out when I need most…

They seem to help out when I need most it's not much I get from them but it's something I guess it's be better if he had places like this but they let you borrow up to $5000

Kyal
April 30, 2026
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Very helpful quick responses

Very helpful quick responses

customer
April 29, 2026
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There unreal

Before pay I can't they are shit wouldn't listen to me when someone took my phone and made the last transaction on my account and why being mentally ill

Phabian Carlson west
April 29, 2026
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Very fast and helpful

Very fast and helpful

customer
April 29, 2026
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Very fast and nice service

Very fast and nice service Good luck guys

customer
April 28, 2026
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Great service & help when needed.

Great service & help when needed.

Kodeane Manaia
April 28, 2026
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Very helpful

Very helpful

Filomena
April 28, 2026
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Very seamless

Very seamless. I downloaded the app, logged in and in under 5min, the money was in my account. Thank you!

Mike T
April 28, 2026
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Service was good

Service was good

LEO'S GRADER HIRE PTY LTD
April 28, 2026
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Fast deposit

Fast deposit

customer
April 27, 2026
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Very handy when your struggling financially

This has been very helpful for me financially and easy to use!

customer
April 27, 2026
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Fantastic company!

Fantastic company with great customer service! Really helpful in times of need.

Dani
April 27, 2026
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Quick and easy financial solutions

Quick and easy financial solutions

customer
April 27, 2026
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Unbelievable helped out in a time of…

Unbelievable helped out in a time of need

Adamcustomer
April 26, 2026
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So so helpful thank u team

So so helpful thank u team

marcus tuhua
April 26, 2026
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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.

Learn more
Be an Australian resident aged 18 or older.
Have a current Australian driver’s licence, passport, or Medicare card.
Maintain employment and receive a regular wage.
Less than 51% of your income comes from Centrelink.
Have no other active Beforepay loans.
You pass our credit assessment.
Awards

Our Awards & Recognition

There’s a reason why we’re Australia’s leading ethical leader.

Best Online Customer Service Innovation 2024
Best Online Customer Service Innovation 2024
Finder Innovation Awards

Recognising the positive impact of AI-enhanced processes and automation on the quality and satisfaction of customer interactions.

Ethical Lender of the Year
Ethical Lender of the Year
FinTech Awards 2023

Recognised for our unwavering commitment to customer-focused, ethical lending that prioritises and supports financial wellbeing.

Most Innovative Ethical Lender of the Year 2024
Most Innovative Ethical Lender of the Year 2024
APAC Australian Enterprise Awards 2024

Recognised for the ethical product design principles and lending safeguards that form the foundation of Beforepay’s innovative credit assessment technology.

 Best Ethical-Lending FinTech 2024
Best Ethical-Lending FinTech 2024
APAC Australian Enterprise Awards 2024

Recognised for the seamless integration of ethical lending principles, technological innovation, and sustainable growth into our customer-focused lending process.

Best App-Based Lending Company 2023 - Australia
Best App-Based Lending Company 2023 - Australia
APAC Business Awards

Recognised for the simplicity and convenience of the Beforepay app and its beneficial impact for our customers.

Ethical Consumer Lender of the Year
Ethical Consumer Lender of the Year
Australian Enterprise Awards 2025

Recognised for our leading commitment to safe lending practices, fee transparency, and inclusive access to fair finance.

Tech Female Leader of the Year
Tech Female Leader of the Year
Tech Fast 50

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.

Financial Services Category
Financial Services Category
Australian Growth Company Awards

Recognised for our success in providing inclusive access to safe, short-term finance to more working Australians, supporting them when they need it most.

AI Tech Innovation Award 2026
AI Tech Innovation Award 2026
Australian Enterprise Awards

Recognised for the application of advanced AI and machine learning technologies into a human-focused credit assessment process.

Best Ethical Lender 2026
Best Ethical Lender 2026
Australian Enterprise Awards

Recognised for our relentless dedication to data-driven, ethical lending practices and product development that puts our customers first.

Consumer Lending: Overall Digital Lending Product of the Year
Consumer Lending: Overall Digital Lending Product of the Year
FinTech Breakthrough Awards

Recognised for our proprietary advanced credit risk technology, commitment to transparency, and built-in lending safeguards.

Fintech - Ethical Lender of the Year Australia
Fintech - Ethical Lender of the Year Australia
Pan Finance Awards 2023

Recognised for our foundational ethical lending practices that prioritise the financial wellbeing of our customers.

Beforepay
PAY ADVANCE
Personal Loans
From smaller short-term costs to bigger planned expenses.
Help with bills, groceries or unexpected expenses before payday.
For larger expenses like car repairs, travel or home essentials.
Get Started
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Applications are typically approved in under 60 seconds, though some applications may require additional review.

† Approved loan amounts are subject to Beforepay’s lending criteria and verification requirements.

‡ Comparison rate calculated on a $2,500 loan over a 2-year term.

‡ WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or loan amounts may result in a different comparison rate.