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On your terms

Your pay when you need it

Waiting for payday when you need cash for something that’s popped up can be stressful. 

So we set out to disrupt traditional pay cycles with Pay On Demand™ - a pay advance service that lets working Australians take back control of their finances and access a portion of their wages for just a 5% fixed fee. After all, it is yours!

Flexibility and control

Fast cash on your terms

We make it quick and simple to get a cash advance on your wages when you need it. Because we know life happens, and your funds need to flex with you! 

We even recommend flexible repayment options that align with your pay cycle. You can also select to spread out your repayment across up to 4 instalments, as long as the full repayment is made within 62 days from your cash out date.

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Simple fees

Just one fixed fee

It’s completely free to sign up to Beforepay and use our Budgeting and Spending Insights tools in the app. 

To cash out with Pay On Demand™ we only charge a fixed transaction fee that is 5% of your advance. There is no interest (APR = 0%) or other fees. So if you take out $300 your transaction fee will be $15 and your total repayment will only ever be $315 - never more!

What our customers say

450+ reviews


4.8 Stars

Join 700,000+ happy Aussies!