How Does Beforepay Work?

When sudden bills pop out of the woodwork or your car won’t start or you’ve got to think about how to pay for that dentist visit, the last thing you want to do is add more complexity onto the pile.

That’s why Beforepay makes it simpler. With simple signups, streamlined applications, and fast approvals, we make it easy to access extra funds when you need them most.

Get Started

It's as easy as 1, 2, 3

Create your account

Create a Beforepay account, either through the website or by downloading the app. The Beforepay app is available on Google Play and the App Store. Follow the prompts to complete account setup. This will include verifying your identity and eligibility with valid Australian ID.

Connect your bank account

Connect the bank account(s) where you receive your primary income. Beforepay is compatible with most major banks and financial institutions in Australia. Our system will assess your account to determine your limit as well as disburse any funds.

Pick your product

All that’s left is to pick the product that fits your needs the most. From Pay Advance for sudden expenses and Personal Loans for larger ones to smart budgeting and utility comparison tools, Beforepay has your financial support sorted.

OUR LOANS

Find a loan that fits

Beforepay has a loan to suit almost any occasion, whether you need a little extra for a sudden potential expense or are planning for something bigger.

SHORT TERM

Beforepay Pay Advance

Need cash before payday? Get money in your account in as little as 5 minutes.

Borrow $50–$2,000†

Repay within 62 days

Approved in under 60 seconds

BEST FOR

Covering unexpected bills, groceries, rent shortfalls, or bridging the gap until your next paycheck.

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LONG TERM

Beforepay Personal Loan

Larger expenses on the horizon? Get bigger amounts and longer to repay with Personal Loan.

Borrow $2,001–$5,000†

3-12 month terms§

Competitive interest rate‡

No hidden fees ever

BEST FOR

Car repairs, medical bills, moving costs, travel, or any larger purchases you want to pay off over time.

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ACTUAL REAL PEOPLE

FAQs

Everything you need to know.

How do I get a loan with Beforepay?

To get a loan with Beforepay, you must first meet our eligibility criteria to ensure our service is the right fit for you. If eligible, you’ll simply need to create a Beforepay account, connect your primary bank account, and choose your desired loan product. Our system will do the rest. T&Cs apply.

What are Beforepay’s eligibility criteria?

You must:

Be an Australian resident aged 18 or older.
Have a current Australian driver’s licence, passport, or Medicare card.
Maintain employment and receive a wage.
Not earn more than 51% of your total income from Centrelink.
Have no other active Beforepay loans.

‍

What’s the difference between Personal Loan and Pay Advance?

Pay Advance is a short-term loan of up to $2,000 designed to handle sudden or higher-than-normal expenses and is repaid in up to 4 instalments aligned to your pay cycle. Personal Loan is a longer-term loan of up to $5,000 designed for future planned expenses, repaid over 1-12 months.

Why do I need to connect my bank account?

Your bank account needs to be connected in order to set your loan limit, as well as to disburse any funds.

What banks are accepted?

Beforepay is compatible with most major Australian banks and financial institutions.

Is Beforepay free?

Beforepay is free to download and to use our budgeting & spending insights. Our loan services come with low fees and charges which will be shown upfront before you borrow.

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.

Terms and conditions apply. All applications are subject to credit assessment, eligibility criteria and lending limits. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser. BPG Credit Pty Ltd, ABN 59 673 570 575, Australian Credit Licence 554659, is the credit provider for Beforepay Personal Loans. Beforepay Pay Advance is offered by Beforepay Finance Pty Ltd, ABN 45 636 670 525. Both entities are subsidiaries of Beforepay Group Limited, ABN 63 633 925 505. Level 9, Suite 1, 77 Castlereagh Street, Sydney NSW 2000. Beforepay Group Limited and its Beforepay goods and services are in no way sponsored, approved or affiliated with Quadpay Inc., Openpay Pty Ltd, Afterpay Pty Ltd, ZipMoney Payments Pty Ltd and their associated entities/affiliated companies. Bank logos and trademarks are the property of their respective owners and are used for identification purposes only. No endorsement or affiliation is implied.