Beforepay: Borrow up to 5000

We could all use extra cash sometimes. With Beforepay you can access up to $2000 with Pay Advance and up to $5000 with the Personal Loan (subject to eligibility, T&Cs apply).

With simple terms, flexible repayments and transparent upfront costs, it’s a safe and affordable way to borrow.

Download Beforepay today and take care of those unplanned expenses, stress-free!

Why Beforepay?

- Transparent pricing - always know what you owe upfront.

- Lightning speed - go from sign-up to cash in your account in as little as 5 minutes.

- Safe borrowing limits - borrow only what you can afford.

- Budgeting support - tools to support your financial health.

- Chosen by over 1.7M Aussies!

How it works

Finances are complicated enough. That’s why we’ve made Beforepay as simple as we can, so you can focus on the things that actually matter.

Here’s how you can access extra funds, quickly, with Beforepay once you download our app!

1. Create an account

2. Connect your bank to verify your eligibility

3. Verify your ID and cash out in minutes (subject to eligibility).

How do I make repayments?

Repayments are automated and we do our best to align them to your pay cycle.

With the Pay Advance, you can choose to repay your loan early (from 2 days after you cash out), delay your repayments or repay in up to 4 instalments. Full repayment for the Pay Advance is required within 62 days (the maximum repayment period).

With the Personal Loan, eligible customers can borrow up to $5000 up to a maximum repayment period of 12 months.

After you cash out, if you need to change your repayment, you can contact our friendly support team for help.

How quickly can I get access to my pay?

Borrowing with Beforepay is quick and easy, with most customers going from sign-up to cash in their account in as little as 5 minutes!

How much does Beforepay cost?

For the Pay Advance, Beforepay charges a fixed 5% set-up fee and 24% per annum interest for some users.

For the Personal Loan, Beforepay charges a 5% fixed one-off fee and a maximum of 24% per annum interest (29.50% p.a. comparison rate^).

At Beforepay we’re transparent and straightforward with our loans, providing a full breakdown of your loan and applicable charges before you cash out, so you’ll always know what you owe upfront.

What else does Beforepay offer?

Spend smarter

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 with our spending insights dashboard.

A bespoke budget

We look at your spending and help you budget better and plan smarter by creating a bespoke budget for you. No judgement here - just an extra free service from us to you. You can always update and customise your budget in the app!

Is Beforepay like Afterpay?

Beforepay provides access to cash in your account that you can use anywhere you need. Unlike buy now, pay later (BNPL) services like Afterpay, Beforepay is not attached to a merchant, and only allows you to take out one-loan-at-a-time, making it a safe and ethical way to borrow.

At Beforepay, ‘fair’ is our favourite four-letter word, and we’re here to make sure you can relax until payday.

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. 77 Castlereagh Street, Sydney NSW 2000

^ Comparison rate calculated on a $2,500 loan over a 2-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.