PressPay is an Australian pay advance service. If you are eligible, it lets you withdraw up to $1,000 of pay you have already earned, ahead of your pay date, for a fixed 5% fee and no interest. The full amount comes out of your next pay.
Beforepay Pay Advance works on the same idea, with two differences that matter. You can access $50 to $2,000†, and repayments are split across up to 4 instalments lined up with your pay cycle rather than taken in one hit. There is a fixed 5% setup fee, and interest applies at a maximum of 24% p.a. There are no late fees and no early repayment fees.
Neither product is a payday loan. Both give you earlier access to money you have already earned, and both are built for short gaps rather than an ongoing shortfall. You can see how the Beforepay side works step by step on our how it works page.
Three things separate them: how much you can access, how you repay, and what it costs.
How much. PressPay advances up to $1,000. Beforepay Pay Advance ranges from $50 to $2,000†. Neither provider hands everyone their maximum. Both assess your income and spending and set a personalised limit, so the amount you are offered may be lower than the headline figure.
How you repay. This is the biggest practical difference. PressPay takes the withdrawal plus its 5% fee out of your next pay, in full. Beforepay splits the total, including the setup fee and interest, across up to 4 instalments over a maximum of 62 days, timed to land with your pay. If one deduction from a single pay would leave you short, spreading it may be easier to manage. If you would rather clear it and move on, one repayment is simpler.
What it costs. Both charge a fixed 5% fee. PressPay charges no interest. Beforepay charges interest at a maximum of 24% p.a. on top of the 5% setup fee, so a Beforepay advance held across several instalments will generally cost more in total than the same amount repaid to PressPay in one go. Beforepay charges no late fees and no fees for repaying early, so clearing it sooner reduces what you pay.
That last point is worth sitting with. On cost alone, for a smaller amount you can comfortably clear next payday, PressPay is the cheaper structure. Beforepay's case is the higher limit, the instalments, and the fact that nothing extra is added if things get tight.
Compare PressPay and Beforepay Pay Advance side by side on limits, repayments, fees and credit checks in the table below, then check each provider's current terms before you apply.
.svg)
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.
Some costs can’t wait. That’s why we’re available 24/7 365, ready to lend a hand when you need it.
If you are comparing PressPay alternatives, or searching for apps like PressPay, it helps to look past how fast the money lands. Speed is table stakes now. These four things make more difference to how an advance actually feels.
The total cost, not the fee. A 5% fee on $500 is $25. Work out the full amount that will leave your account and when, then check it against the pay you will actually have that week. A low fee on an amount you cannot comfortably repay is not cheap.
Whether repayments fit your pay cycle. Weekly, fortnightly and monthly pay cycles behave differently. Ask whether repayments are timed to your pay or to a fixed calendar date, and what happens if your pay lands late.
Eligibility and credit checks. Beforepay does not run traditional credit checks. Your situation is assessed from your income and spending patterns instead, and you are given a personalised limit. PressPay also assesses income and spending behaviour, and asks that you earn at least $350 a week after tax and are paid into a transaction account rather than a savings or joint account. The full Beforepay criteria are on our eligibility page.
What happens if something goes wrong. Check the fee for a failed payment, whether late fees apply, and how easily you can reach a human. Beforepay charges no late fees. Check PressPay's current terms for their position.
People often ask whether PressPay is safe. With any provider the checks are the same: who holds the licence, what the fees and terms actually say, whether total cost is set out clearly, and whether you can comfortably repay. PressPay and Beforepay are both Australian providers with published terms, so read them rather than relying on a comparison page alone, including this one.
If you are still weighing things up, our guide to pay advance options in Australia covers the wider market, and you can see how Beforepay compares with other providers on our comparison hub. If a pay advance is not the right answer, Budgeting and Insights and Compare and Save can help you find room in the budget you already have.
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.
.svg)
.svg)
Instant Advance up to $2,000 or personal loans up to $5,000. Approved in minutes.
.svg)
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.
.svg)
PressPay and Beforepay both offer pay advances against income you have already earned, but the amount and the repayment structure differ.
PressPay advances up to $1,000, repaid in full on your next pay date, with a fixed 5% fee and no interest. Beforepay Pay Advance offers $50 to $2,000†, repaid across up to 4 instalments over a maximum of 62 days, with a fixed 5% setup fee and interest up to 24% p.a. Beforepay charges no late fees and no early repayment fees.
It depends on the amount and how long you take to repay. Both charge a fixed 5% fee.
PressPay charges no interest, so for a smaller amount repaid in full on your next pay date, PressPay is generally the lower total cost. Beforepay charges a fixed 5% setup fee plus interest up to 24% p.a., with no late fees and no early repayment fees, so clearing it sooner reduces what you pay. Check the total repayment amount shown before you accept either advance.
PressPay does not charge interest. Beforepay Pay Advance charges interest at a maximum of 24% p.a. in addition to the fixed 5% setup fee.
Your total repayment amount is shown before you accept, so you can see the full cost up front.
PressPay offers pay advances up to $1,000. Beforepay Pay Advance offers $50 to $2,000†. Neither provider gives everyone their maximum, as both assess your income and spending and set a personalised limit. Terms of service and eligibility requirements apply.
Both products are designed to provide fast funds. If eligible, PressPay deposits funds instantly. With Beforepay, you can see cash in your account in as little as 5 minutes if approved.
PressPay is an Australian pay advance provider with published product terms and eligibility criteria. As with any provider, the sensible checks are the same: confirm who holds the credit licence, read what the fees and terms actually say, look for the total repayment amount set out clearly before you accept, and only take an advance you can comfortably repay from your next pay.
Beforepay is part of Beforepay Group Limited (ASX: B4P), and Beforepay Pay Advance is offered by Beforepay Finance Pty Ltd, ABN 45 636 670 525. We show your total repayment amount before you accept, and we charge no late fees.
Beforepay does not run a traditional credit check. Our system assesses your financial situation from your income and spending patterns instead, and gives you a personalised limit, which may be lower than the $2,000† maximum.
You still need to meet our eligibility criteria, including being 18 or over, an Australian resident, employed and receiving a regular wage, and receiving less than 51% of your income from Centrelink. The full criteria are on our eligibility page.
You can hold only one active Beforepay loan at a time, so you cannot run two Beforepay advances together. Whether you can hold a PressPay advance alongside a Beforepay advance is a matter for PressPay's terms and their own assessment, so check that with them directly.
Worth saying plainly: running more than one advance at once means more than one repayment coming out of the same pay. If money is already tight, that usually makes the next few weeks harder rather than easier.
Beforepay does not charge late fees. If a repayment is going to be a problem, get in touch before the due date and we will work through the options with you, including hardship support if your circumstances have changed.
The earlier you tell us, the more we can do. Current fees and terms are set out in your Beforepay account and in our terms and conditions.
.svg)
.svg)
.webp)