Advancing your wage early
At Beforepay, we understand that if you need a wage advance, chances are you need it pretty urgently. Whether it’s a vet bill, a grocery run, or a car repair that can’t wait until payday, we know that sometimes your expenses don’t align with your wage cycle. That’s where we come in. With our flexible and simple pay advances, we remove traditional barriers to accessing your wage to make sure you can have cash in your hands when you need it most. Plus we don’t need to contact your employer.
Available 24/7
With our entirely online system, you can get a wage advance any time, day or night, every day of the year. We understand that unexpected expenses rarely arise at convenient times, so we don’t believe in keeping you waiting until morning.
No credit check
We believe that your current spending is a better representation of your financial habits than your history. Therefore, we don’t perform credit checks or report any data to credit bureaus.
Rapid access
As part of our commitment to supporting working Aussies, we’ve engineered a streamlined and fast system that can get cash in your account in as little as five minutes after you Cash Out. No need to wait for ages to access what you’ve earned.
No traditional pay cycles
Sometimes changes in your cash flow can mean that you can’t wait for payday. If you need your wages for a repair, replacement, appointment, or other cost, we don’t believe you should have to delay something urgent just to wait for payday. That’s why Beforepay allows you to access your wage in advance, so that important expenses don’t have to wait.
Single fixed fee
Accessing the pay you’ve earned shouldn’t be expensive or unpredictable. Beforepay charges a single 5% transaction fee, and nothing else. That means if you borrow $100, you pay back $105, and nothing else – ever. We charge no late fees, no interest, and no other costs or fees. We’re committed to complete transparency around our costs so you don’t have any nasty surprises down the track.
Available 24/7
With our entirely online system, you can get a wage advance any time, day or night, every day of the year. We understand that unexpected expenses rarely arise at convenient times, so we don’t believe in keeping you waiting until morning.
No credit check
We believe that your current spending is a better representation of your financial habits than your history. Therefore, we don’t perform credit checks or report any data to credit bureaus.
Rapid access
As part of our commitment to supporting working Aussies, we’ve engineered a streamlined and fast system that can get cash in your account in as little as five minutes after you Cash Out. No need to wait for ages to access what you’ve earned.
No traditional pay cycles
Sometimes changes in your cash flow can mean that you can’t wait for payday. If you need your wages for a repair, replacement, appointment, or other cost, we don’t believe you should have to delay something urgent just to wait for payday. That’s why Beforepay allows you to access your wage in advance, so that important expenses don’t have to wait.
Single fixed fee
Accessing the pay you’ve earned shouldn’t be expensive or unpredictable. Beforepay charges a single 5% transaction fee, and nothing else. That means if you borrow $100, you pay back $105, and nothing else – ever. We charge no late fees, no interest, and no other costs or fees. We’re committed to complete transparency around our costs so you don’t have any nasty surprises down the track.
Get started with Beforepay
We are on a mission
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Ethical lending
With our flat fees and flexible repayments, it’s no wonder we’ve won Ethical Lender of the Year – twice!
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Money in minutes
Don’t wait for your pay! We give you access to your money, when payday can’t come soon enough.
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Budget better
We make budgeting easy by creating a tailored budget, personalised just for you. Your mum will be thrilled.
How it Works
Frequently Asked Questions
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Will I get my pay fast?
Lickety-split! Once you Cash Out, the money is normally in your account in under a minute. That means you can Cash Out while you wait in line for your groceries and have your money by the time you get to the checkout. Our pay advances are designed to be fast, so they’re a great choice if you need cash, and they’re also available 24/7, including weekends and public holidays. -
How does Beforepay work?
Great question! Beforepay provides short-term ethical pay advance loans, which means that we provide fast access to your wages – before payday. We charge no interest, just a fixed 5% transaction fee. We are also a budgeting app, so we provide you with a personalised budget and insights based on your spending habits. Beforepay allows you to access pay before your employer pays you, with 24/7 loan availability.
If you’re still curious, we’ve answered this question in a bit more detail here. -
How much does Beforepay cost?
Beforepay charges a fixed 5% fee on your pay advance – that’s it! We don’t believe in hidden costs, so we don’t charge you any late fees, interest, administrative fees, or anything like that. For example, if you Cash Out $100, you pay back $105. We help you create a repayment schedule that works for you, repaying in multiple instalments or all at once. Beforepay also doesn’t affect your credit score. -
Who is eligible for Beforepay?
Eligibility is based on your income, pay schedule, employment, and risk assessment criteria. To be eligible, you must be employed with a regular pay schedule, making at least $300 in income after tax each week. (Note: no more than 50% of your income can come from government benefits such as Centrelink.) You also must pass our risk assessment criteria, which is not related to your credit but an analysis of your financial eligibility for Beforepay.
From a technical perspective, your bank account must also be able to process Beforepay deposits and debits, and receive your salary.
For more detail, see our explanation of eligibility criteria here. -
How much can I Cash Out with Beforepay?
The maximum Cash Out amount is currently $2,000. If you’re a new customer, that limit will be between $50 and $1,000 depending on a variety of factors, such as how much you get paid, your debt, and so on. Your Cash Out history and successful repayments also impact your limit, which is recalculated every time you go to cash out to make sure you get the right amount for your current situation. For a more in-depth explanation, see here. -
How do I repay my loan?
Once you have a loan, there are a variety of ways to pay it back. We help figure out a repayment plan that works for you. You can repay in instalments or all at once if you prefer. If circumstances change, you can delay your repayment, or repay early.
Once you have chosen a repayment schedule, you can sit back and relax since the app uses automatic repayment. However, if you want to make a manual repayment, you can use PayID or Osko to do so with ease. -
Can I get my pay now even if I’m being paid later?
Absolutely! By Cashing Out, you can access your wage before your payday and pay it back in instalments. We know that your cash flow can change, and you can’t always wait until payday. That’s why Beforepay can give you a cash boost of up to $2,000 in as little as five minutes. We provide instant pay advances to make sure that your money is always available to you, even if your payday is still a little while away. -
What banks does Beforepay support?
Beforepay can currently be used with over 70 banks – from ANZ to Westpac and everything in between. Some of the most commonly asked-after banks that we support include CommBank (Commonwealth Bank), Westpac, ING, and Macquarie Bank. Good news – all these banks are compatible with Beforepay! To see the full list, which includes many more, please click here.
We’re always looking to expand our services, so if you can’t see yours on the list, you can send a request to add your bank by emailing Customer Support at suppert@beforepay.com.au -
Do you contact my employer?
No, when you use Beforepay your employer will not be contacted. We value your privacy, so we just talk to you, not your employer.
What our customers say
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Here to help
We know questions don’t pop up on schedule, so we’re here for you when you need us
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We play it safe
We value and respect our customers, that includes their data.
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Name the place & time
We know you get around, so with us you can access your pay anywhere. Anytime.