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Are You a Casual Worker Looking for a Loan?
If you’re a casual worker and only pick up shifts here and there, a Beforepay Pay Advance loan can help smooth the way between pays.
Understanding your options as a casual worker
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.
If you’re a casual worker, your income may vary from week to week depending on hours, shifts, or seasonal demand. This can make it harder to predict exactly how much you’ll earn and when.
Even when you’re working regularly, changes in hours or timing can affect how easily you’re able to cover expenses as they come up. Bills and other costs often have fixed due dates, which don’t always line up with variable income.
Some people adjust their spending based on expected hours, while others bridge financial gaps using a small loan or advance. What works best will depend on your situation, including how consistent your work is and what expenses you need to cover.
When deciding what to do, it can help to look at your recent income patterns alongside your upcoming costs. Focusing on what’s manageable, even if your income changes, can make it easier to stay on top of your finances.
Taking the time to understand your options and choose an approach that fits your circumstances can help you manage expenses more confidently, even when your income isn’t the same each pay cycle.
Supporting your budget
A Beforepay Pay Advance offers up to $2000 to solve sudden costs, handle unexpected expenses, and command your cash flow.
Available online 24/7
Your funds in a flash
Transparent fees
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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Income can vary depending on hours worked, making it less predictable.
Bills and expenses usually have set due dates regardless of income changes.
Some adjust spending, while others look at ways to manage short-term gaps.
Looking at your recent income and expected expenses can help guide your decision.
Planning around patterns and choosing manageable options 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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