MyPayNow is an Australian pay advance app. Eligible users can access up to a quarter of their regular pay each pay period, to a maximum of $2,000. Repayments come out on your scheduled repayment date, and you can split or delay a repayment in the app.
Beforepay Pay Advance offers $50 to $2,000†, with a 5% setup fee plus interest of up to 24% p.a., repaid in up to 4 instalments lined up with your pay over a maximum of 62 days. The main things to weigh up are how much you can access and how you'd like to repay.
The key differences are how your limit is set and how repayments work. MyPayNow links your limit to your pay, up to a quarter of each pay period. Beforepay assesses your income and spending to set a personalised limit of up to $2,000. MyPayNow takes repayment on your scheduled date, with the option to split or delay. Beforepay schedules up to 4 instalments from the start, with the total cost, including the setup fee and interest, shown before you accept.
See how Beforepay Pay Advance and the MyPayNow app stack up on borrowing limits, fees, repayments and credit checks using our comparison table.
Pay Advance can help with small, unplanned expenses when they come up before your next pay.
Life moves fast, we move faster. See extra funds in your account in minutes, ready to go. Terms of service apply.
We don’t do traditional credit checks. We assess you based on your current financial circumstances, not your past.
Know what you’ll owe before you borrow. All costs and fees are shown upfront before you apply or cash out.
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When comparing MyPayNow alternatives, or other apps and loans like MyPayNow, it helps to look beyond speed alone and consider the full product: borrowing limits, fees, repayment structure, eligibility and total cost.
MyPayNow offers advances of up to $2,000, linked to a quarter of your regular pay, with options to split or delay repayments. Its fees are set out in its terms, so check them before you apply.
Beforepay Pay Advance also helps working Australians cover unexpected or larger-than-expected costs, offering up to $2,000† in as little as 5 minutes, with a 5% setup fee plus interest of up to 24% p.a. Repayments are split into up to 4 equal instalments aligned to your pay cycle, which may help if you would prefer a little more time to repay. Beforepay Pay Advance has no credit checks, so if you are looking for a MyPayNow alternative with no credit check, every customer is instead assessed on their own circumstances and given a personalised limit.
Many people also ask, is MyPayNow safe? As with any lender, it is worth checking a provider's licensing, fees and terms, and only borrowing what you can comfortably repay. Beforepay is built around transparency, with clear fees shown upfront, no hidden costs, and support if your circumstances change.
The right choice depends on how much you need, how quickly you want to repay, and what costs you are comfortable with. Use this page as a starting point, then check the latest product terms from each provider before applying.
A fast loan is only 3 steps away.
Create an account by either signing up online or downloading the Beforepay app on Google Play or the Apple App Store.
Link your bank to your Beforepay account. We are compatible with most major banking institutions in Australia.
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Instant Advance up to $2,000 or personal loans up to $5,000. Approved in minutes.
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Create an account by either signing up online or downloading the Beforepay app on Google Play or the Apple App Store.
Link your bank to your Beforepay account. We are compatible with most major banking institutions in Australia.
Instant Advance up to $2,000 or personal loans up to $5,000. Approved in minutes.
Plan, track, compare, and save with Beforepay’s free finance tools.
Everything you need to know.
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Beforepay and MyPayNow both offer short-term Pay Advance products, but they differ primarily on repayment structure. Beforepay Pay Advances are repaid in up to 4 instalments that are aligned to your pay cycle. MyPayNow Pay Advances are typically repaid on your next payday.
Both Beforepay and MyPayNow offer Pay Advances up to $2,000† for eligible uses. The exact amount depends on credit assessment and a borrower’s individual circumstances.
Both Beforepay Pay Advance and MyPayNow Pay Advance charge interest on outstanding balances, as well as a fixed setup fee.
Yes. Beforepay Pay Advance allows borrowers to repay in up to 4 instalments, aligned to your individual pay cycle. MyPayNow Pay Advance is typically repaid on the next payday.
No. Beforepay Pay Advance has no credit checks, and MyPayNow doesn't perform traditional credit checks for its pay advance product. Different eligibility and assessment criteria may apply depending on the lender. Always make sure to review the latest product information and terms before applying.
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