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Need a Loan to Help With Utility Bills?
Don’t let electricity, water, phone, or internet costs throw off your finances. Beforepay Pay Advance is here to help you handle sudden utility bills.
Understanding your options for utility bills
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.
Utility bills are a regular part of everyday life, but the amounts and due dates can vary. Electricity, gas, and water bills can sometimes be higher than expected, especially during seasonal changes or periods of increased use.
Even when you’re budgeting carefully, these costs don’t always arrive at the right time. If a bill is due before your next pay cycle, it can create short-term pressure, particularly if other expenses are due at the same time.
Some providers offer payment plans or hardship options, while others require the bill to be paid by a set date. Some people adjust their budget to cover the cost, while others look at different ways to manage the timing of payments.
When deciding what to do, it can help to review the bill in detail, understand any deadlines, and consider what’s manageable within your current budget. Looking at how the payment will affect your upcoming expenses can make it easier to stay on track.
Taking the time to explore your options and choosing an approach that fits your situation can help you manage utility costs without adding unnecessary financial pressure.
Your budget backup
Access up to $2000 with a Pay Advance to keep your utility bills at bay.
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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Bills can vary in amount and don’t always align with your pay cycle, which can create short-term pressure.
Some providers offer payment plans or support options depending on your situation.
Some review their budget, while others speak with providers or look at ways to manage timing.
Looking at how it fits your income and expenses can help guide your decision.
Planning ahead and choosing manageable options can help you stay in control.
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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