Life Moments

Life is full of surprises. 
We help you handle them.

OUR LOANS

Find a loan that fits

Beforepay has a loan to suit almost any occasion, whether you need a little extra for a sudden expense or are planning for something bigger.

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, groceries, rent shortfalls, or bridging the gap until your next paycheck.
LONG TERM

Beforepay Personal Loan

Larger expenses on the horizon? Get bigger amounts and longer to repay with Personal Loan.

Borrow $2,001–$5,000†
3-12 month terms§
Competitive interest rate‡
graph icon
No hidden fees ever
BEST FOR
Car repairs, medical bills, moving costs, travel, or any larger purchases you want to pay off over time.

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.

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

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

Chosen by over 1.7M Aussies

Plan, track, compare, and save with Beforepay’s free finance tools.

Purple left arrow icon pointing direction.
Left arrow icon in purple color.

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 pass our credit assessment.
ACTUAL REAL PEOPLE

FAQs

Everything you need to know.

What can I get a loan for?

You can get a loan for almost anything you can think of up to a value of $5,000. Common uses include sudden bills, dental work, rent, groceries, travel, and weddings. See the individual use case pages for more.

What loans do you offer?

Beforepay has two main loan products: 

  • Pay Advance: A short-term loan of up to $2,000 designed to cover sudden, unexpected, or more-than-expected costs between pays. 
  • Personal Loan: A longer-term loan of up to $5,000 designed for planned expenses or larger unexpected costs.
Do I need to tell you what I’m using a loan for?

Only for a Personal Loan. You aren’t required to disclose loan purpose if you’re taking out a Pay Advance.

Can I still get a loan if my use case isn’t on the website?

Yes, you can still get a loan with Beforepay as long as you meet all eligibility criteria and pass the credit assessment.

How do I know if I’m eligible for a loan?

To be considered for a Beforepay loan, there are a few basic things we’ll check first. You’ll need to:

  • Be an Australian resident aged 18 or older. 
  • Have a current Australian driver’s licence, passport, or Medicare card. 
  • Maintain employment and receive a wage. 
  • Not earn more than 51% of your total income from Centrelink. 
  • Have no other active Beforepay loans. 

If you meet these, we’ll then complete an eligibility assessment. This helps us understand your situation and check that any amount you borrow is fair, affordable and suitable for you.

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.