It's great being the good guy!

Life happens, and we’re here to help you get sorted, without the stress of lengthy applications or hidden surprises.

We make borrowing with Beforepay simple, quick and straightforward, helping you feel confident and in control.

Here’s how.

  • Interest-free

    We keep lending simple by charging only a fixed 5% transaction fee that’s split across your repayments—no interest, no hidden costs, no funny business.

  • No late fees

    With no other fees, we don’t make money from getting our customers trapped in debt (unlike some other lenders or other forms of credit).

  • Budgeting tools

    Get on top of your finances with the spending insights and budgeting tool in the Beforepay app.



Beforepay Reviews

450+ reviews

Borrow money

  • connect_your_bank

    Verify your income

    Zero paperwork—just connect your bank accounts. We use the same security and encryption as your bank to calculate your loan limit (without impacting your credit score).

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    Verify your identity

    Fill in your ID details. We’ll do a quick verification check, and then unlock your ability to borrow.

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    Get cash out

    Push the button, and money is sent to your account immediately. Our eligibility criteria and limit assessment ensures your loan limit is safe and affordable.

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Get spending insights

Use the insights dashboard in the Beforepay app to track your income, monitor your spending habits and view upcoming bills.

See common use cases for Beforepay.

Create a budget

Our app shows you where your money goes, and where you can make improvements with a budget that’s tailored to you.

In the Beforepay app, we can automatically create a budget tailor made for you. Or if you prefer, make one yourself, and track your expenses as you go.


4.8 Stars

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