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Need a Personal Loan for Your Home Renovation?
Whether you’re updating, remodelling, repairing, or redoing entirely, a Beforepay Personal Loan can help transform that renovation dream into reality.
Understanding your options for home renovation 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.
Home renovations are often planned in advance, but costs don’t always stay predictable. Even smaller projects can uncover additional work, delays, or changes that affect your budget.
Expenses like materials, labour, or unexpected repairs can come up along the way, and they don’t always align neatly with when you’re paid. This can create pressure, particularly if the work is already underway or needs to be completed.
Some people choose to fund renovations gradually, while others use longer-term loans to fund everything upfront and repay costs over time. It’s important to understand how these options work, including the total cost and how repayments will fit into your ongoing budget.
In situations where costs shift or timing becomes a factor, it can help to step back and reassess what’s manageable. Adjusting the scope of the project or exploring flexible ways to cover expenses may help reduce financial strain.
Taking the time to plan, review your options, and stay within a comfortable budget can make the process more manageable and help you avoid added pressure as the project progresses.
Building up your budget
Even the smallest renovation has a big impact on your finances. A Beforepay Personal Loan can provide you with up to $5000 to start or finish your next home project.
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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Unexpected issues, changes in plans, and additional work can all increase the total cost of a renovation.
Some costs like materials or deposits may be required upfront, while others are paid as work progresses.
Some people stage projects over time, while others look at ways to spread or manage the cost.
Looking at the full scope of the project and how payments fit into your budget can help you stay on track.
Setting a realistic budget and allowing for unexpected costs can help reduce financial strain.
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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