Wagetap is an Australian wage advance app. Eligible users can access up to $2,000 of their next pay, with a 5% transaction fee plus interest of 24% p.a., and repay it on their next payday. It also offers Bill Split, which spreads some bill payments over three or four instalments.
Beforepay Pay Advance costs about the same: $50 to $2,000†, with a 5% setup fee plus interest of up to 24% p.a. The difference is how you repay. Every Beforepay advance is split across up to 4 instalments lined up with your pay, over a maximum of 62 days.
The main difference is how each advance is repaid. A Wagetap wage advance is repaid on your next payday. A Beforepay Pay Advance is split across up to 4 instalments lined up with your pay cycle, over a maximum of 62 days.
The pricing is similar: both charge a 5% fee plus interest of up to 24% p.a. Because interest builds over time, spreading repayments out can cost slightly more in total than repaying in one go. Beforepay has no late fees and no early repayment fees, so you can clear your advance sooner to pay less.
Compare Beforepay Pay Advance and Wagetap Wage Advance side by side 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.
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When comparing Wagetap alternatives, or other apps and loans like Wagetap, it helps to look at the whole picture: borrowing limits, fees, repayment structure, eligibility and total cost, rather than speed alone.
Wagetap Wage Advance may suit people who want a quick, one-off advance and can comfortably repay it in full on their next payday. Beforepay Pay Advance may suit people who would prefer to spread repayments across up to 4 instalments aligned to their pay cycle. Both charge a 5% fee plus interest of up to 24% p.a., so check the total cost before you accept.
If you are looking for a Wagetap alternative with no credit check, Beforepay Pay Advance has no credit checks. Wagetap says it doesn't run a hard credit check for wage advances, though credit checks may apply. Beforepay assesses you on your own circumstances and gives you a personalised limit. It is also common to ask, is Wagetap safe? As with any lender, it is worth checking a provider's licensing, fees and terms, and only borrowing what you can comfortably repay.
In short, Wagetap may be the better fit if you want a single fast repayment, while Beforepay may suit you if you would like a little more time to repay. 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 Wagetap 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. Wagetap Wage Advances are typically repaid in full on your next payday.
Both Beforepay and Wagetap offer Pay Advances up to $2,000† for eligible users. The exact amount depends on credit assessment and a borrower’s individual circumstances.
Both Beforepay Pay Advance and Wagetap Wage 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. Wagetap Wage Advance is typically repaid on the next payday.
No. Beforepay Pay Advance has no credit checks, and Wagetap doesn't perform traditional credit checks for its cash advance product. Different eligibility and assessment criteria may apply depending on the lender. Make sure to review the latest product information and terms before applying.
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