How do I borrow
with Beforepay

  • connect_your_bank

    your bank

    Our tech talks to your bank’s tech, to confirm when you get your pay and what you spend.

  • select_amount

    Select amount

    Just tell us what you need - you can get up to $2000 of your wages. We’re happy to help.

  • easy_payback


    There’s no interest or hidden fees. Just a 5% fixed transaction fee and flexible repayments with instalments across up to 4 pay cycles.

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Our best bits

Fast and easy access

Get access to your wages quickly. It’s quick and easy to use and there’s no hidden fees. Woop.

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Our best bits

Smartie pants (or skirts)

We could all spend smarter. We’ll help you understand your income, your spending habits and make sure you can see what bills are coming up.

Our best bits

Budget smuggler

We’ll create a bespoke budget just for you, by analysing what you spend (no judgement here.)

We are on a mission

  • rocket

    Wages without waiting

    Traditional pay cycles make you wait for your pay, we’re here to help you access the money you’ve worked hard for.

  • Budget better

    Budgeting is tough, so we look at your spending and create a tailored budget just for you. Your mum will be thrilled.

  • Flat rate

    Traditional lenders charge 50% - 120% in interest & fees. Um. We don’t even know what to say to that, other than don’t go there.

What our customers say

450+ reviews
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    Here to help

    We know questions don’t pop up on schedule, so we’re here for you when you need us.

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    We play it safe

    We value and respect our customers, that includes their data.

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    Name the place & time

    We know you get around, so with us you can access your pay anywhere. Anytime.


4.8 Stars

Join 700,000+ happy Aussies!