A New Way with Beforepay

Why do finance the same way everyone else is when it can be done better? Beforepay is financial support done ethically, transparently, and, most importantly, for real people.

We’ve been doing this a while

$3B+

Total loans issued

1.7M+

Registered users

2019

Year founded
ACTUAL REAL PEOPLE

Chosen by over 1.7M Aussies

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

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ACTUAL REAL PEOPLE

FAQs

Everything you need to know.

What products do Beforepay offer?

Beforepay offers two loan products and two financial support tools: 

  • Pay Advance: A short-term loan of up to $2000 designed to support working Australians with short-term money gaps. 
  • Personal Loan: A longer-term loan of up to $5000 over 1-12 months, designed for planned expenses. 
  • Budgeting & Spending Insights: An automated budgeting tool that organises your transactions into pre-built categories for convenient expense tracking. 

    Our automated budgeting tool organises your transactions into pre-built categories for convenient real-time expense tracking. Spending insights provides a birds-eye-view on your spending patterns over time, helping you see where your money is really going. 
  • Compare & Save: A utility comparison tool helping you compare electricity, gas, internet, and mobile providers. 
Does Beforepay charge late fees?

No, Beforepay doesn’t charge any late fees. All our fees are clearly shown upfront before you accept your loan. 

Does Beforepay charge early repayment fees?

No, Beforepay doesn’t charge any early repayment fees. All our fees are clearly shown upfront before you accept your loan. 

What loans does Beforepay offer?

Beforepay offers two main loan products: 

  • Pay Advance: A short-term loan of up to $2,000 designed to support working Australians with short-term money gaps. 
  • Personal Loan: A longer-term loan of up to $5,000 over 1-12 months, designed for planned expenses. 

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.