Need a Loan for Home Repair?

Whether you’ve got to call an electrician or plumber, cleaner or painter, the Beforepay Pay Advance is the fast finance fix you’ve been looking for.

Illustration of home improvement expenses with tools and dollar icons.

Understanding your options for home 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.

Home repairs can come up unexpectedly, whether it’s a leaking roof, plumbing issue, or general wear and tear that needs attention. In some cases, these problems can’t be left for long without causing further damage.

Costs can vary depending on the type of repair and how urgent it is. While some work can be scheduled over time, other repairs may need to be addressed quickly, which can make it harder to plan financially.

Some people choose to tackle repairs in stages, while others look at different ways to manage the cost, such as a short-term loan. It’s important to understand how each option works, including the total cost and how any payments will fit into your ongoing budget.

When deciding what to do, it can help to consider what’s essential right now and whether there’s flexibility in timing. Focusing on what’s manageable, both in the short term and over time, can make it easier to move forward without adding unnecessary pressure.

Taking the time to review your options and choose an approach that suits your situation can help you keep your home in good condition while staying on top of your finances.

ACTUAL REAL PEOPLE

Handle the unexpected

Beforepay Pay Advance provides you with up to $2000 to take care of any home repairs, quickly, simply, and efficiently.

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.

Transparent fees

All fees and interest payments are shown upfront, before you accept the loan. There are absolutely zero hidden costs.
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, 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.

Step 3 yellow graphic

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 home repairs feel harder to plan for?

Repairs are often unexpected and may need to be addressed quickly to avoid further issues.

Are repair costs always urgent?

Some repairs can be scheduled, but others require immediate attention.

What do people do to manage repair costs?

Some prioritise essential work, while others look at ways to spread expenses.

What should I consider before starting repairs?

Understanding urgency, cost, and timing can help you plan effectively.

How can I manage repairs without financial strain?

Focusing on what’s necessary and manageable can help reduce pressure.

ACTUAL REAL PEOPLE

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.

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 meet our borrowing requirements.
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.