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Need a Small Loan?
Manage temporary, short-term expenses with a small Pay Advance loan from Beforepay.
Understanding your options for small loans
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 to access a small loan in between pays to deal with sudden or larger-than-expected expenses. Even if your income is regular, it may only take a single bill to throw everything off.
In these situations, the challenge is often about timing rather than just the amount itself. If it arrived at another time, maybe just after you got paid, you’d be able to handle it no problem. But arriving in between pays can create a short-term cash flow gap that can be difficult to bridge.
Some people try to solve cashflow problems by cutting their spending, changing their behaviour, or reducing non-essential costs. Others take out small loans to cover those expenses. Each option can be effective but will work differently depending on the person and situation, including how much you need to pay and when.
When deciding what to do, it can help to look for options that may allow you to delay repayments or implement payment plans that can help keep you going in the short term, until you get paid again.
Taking the time to understand your options and choose something that fits your particular situation, can help get you by in the short term while not impacting your long-term financial health.
Small loan, big budget impact
Beforepay Pay Advance provides up to $2000 to boost your budget and help you take control of your finances.
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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Small loans are used for many things from sudden expenses, budget shortfalls, smoothing over cash gaps, and more.
Looking at the total cost, repayment frequency, and any interest can help you avoid future pressure.
Not always, as different options vary in cost, structure, and personal fit.
Choosing manageable options, reviewing all details of any loan, and planning ahead can help you stay in control.
This often relates to needing access to money for an expense that can’t be delayed or large budget gaps.
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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