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Need a Cash Loan?
Beforepay delivers extra cash without extra hassle. Simple applications, fast approvals, funds in minutes.
Understanding your options when you need access to money
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.
There are times when you may need access to money to cover an expense, whether it’s a sudden bill or a cost that’s come up sooner than planned.
Even when your income is steady, the timing of expenses doesn’t always line up with when you’re paid. This can create short-term pressure, especially if multiple costs fall at once.
Some people look into fast loans or payment arrangements, while others review their budget or consider different ways to manage the timing of income and expenses. Each option can work differently, so it’s important to understand what's involved including any fees, conditions, and how repayments will fit into your regular expenses.
When deciding what to do, it can help to focus on what’s manageable, not just what’s immediate. Looking ahead at your upcoming income and existing commitments can make it easier to choose an approach that suits your situation.
Taking the time to compare your options and choose something that fits comfortably within your budget can help you manage short-term needs while staying in control of your finances.
Money when you need it
Borrow up to $2000 with Beforepay Pay Advance. Clear costs, transparent terms, and no credit checks.
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.
Beforepay Pay Advance
Need cash before payday? Get money in your account in as little as 5 minutes.
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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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This often relates to needing access to money for an expense that can’t be delayed.
Different options work in different ways, so it’s important to understand what suits your situation.
Looking at total cost, conditions, and how repayments fit your budget can help.
Clarity around costs and alignment with your income are key factors.
Choosing something that fits comfortably within your budget 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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Our Awards & Recognition
There’s a reason why we’re Australia’s leading ethical leader.
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.
Recognised for our proprietary advanced credit risk technology, commitment to transparency, and built-in lending safeguards.
Recognised for our foundational ethical lending practices that prioritise the financial wellbeing of our customers.
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