What is my Pay On Demand?

Pay on demand, sometimes called earned wage access, lets you access a portion of the pay you have already started earning rather than waiting for your scheduled payday. It is built for those moments when the timing of a bill and the timing of your pay do not quite line up.

My pay, on demand

Waiting for payday when unexpected expenses pop up can be stressful.

If you’re wondering, “Where can I get my pay on demand?”, Beforepay makes it simple. With our Pay Advance, eligible Australians can access a portion of their wages instantly, instead of waiting for payday. After all, it’s your pay!

Flexible repayments

We know that when life happens, your finances need to adapt.

When you get your pay on demand with Beforepay's Pay Advance, we offer flexible repayment options that align with your pay cycle. You can also select to spread out your repayment across up to 4 instalments, as long as the full repayment is made within 62 days from your cash out date.

Transparent pricing

It’s completely free to sign up to Beforepay and use our budgeting and spending insights tools in the app.

To cash out a Pay Advance, we keep pricing simple and transparent, so you always know what you owe upfront. No nasty surprises!

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FAQs

What is my Pay On Demand?

Is pay on demand the same as a payday loan?

No. A Beforepay Pay Advance is a short-term advance on wages you are already earning, with a simple fee shown upfront and no traditional credit check. Terms and eligibility criteria apply.

How quickly can I access my pay?

Once you are eligible and approved, funds can reach your account in as little as 5 minutes, though some applications may need additional review.

How much does it cost to join?

Joining the Beforepay Partner Program is free.

How do I repay a pay on demand advance?

Repayments align to your pay cycle and can be spread across up to 4 instalments, with the full amount repaid within 62 days of your cash out date.

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.