Wagetap is an Australian app that lets eligible users access a portion of their pay, or a small advance, before payday, usually repaid in full on their next payday. It is designed for people who need a short-term top up and can repay quickly.
Beforepay Pay Advance is another option. It works in a similar way, but repayments are split into up to 4 instalments aligned to your pay cycle, spreading the total cost over time.
The main difference between Wagetap and Beforepay Pay Advance is how each advance is repaid. Beforepay splits the total cost, including the setup fee and any interest, across up to 4 scheduled instalments aligned to your pay cycle. Wagetap generally requires the full amount, including fees, to be repaid on your next payday. Both are designed for short-term needs, so the right fit depends on how you would prefer to manage repayments.
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 are short-term products, and both charge a fixed setup fee with interest that may apply.
If you are looking for a Wagetap alternative with no hard credit check, Beforepay does not run traditional credit checks. Instead, every customer is assessed on their own circumstances and given 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 clear, upfront costs and 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, neither Beforepay or Wagetap perform traditional credit checks for their cash advance products. 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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