Responsible spending
We created Beforepay to help give you greater control over your finances. We know life can throw financial curveballs, so we offer loans to help you access extra funds when you need them, if you’re eligible.
Our loan products
Pay Advance: A short-term loan of up to $2,000 to help with short-term money gaps.
Personal Loan: A longer-term loan of up to $5,000, repaid over 3 to 12 months, designed for planned expenses.
Transparent pricing
We show you the costs upfront, before you accept. That includes your fees and the total cost of your loan, with no late fees, admin charges or hidden costs. What you see is what you pay.
Eligibility criteria
We have strict eligibility criteria and assessment processes to help us keep borrowing safe and affordable. We look at factors such as your income and spending patterns to help us work out a loan amount that fits your financial circumstances, so you can repay comfortably.
Borrowing with Beforepay is designed to help tide you over, not put you under. Learn more about eligibility.
Ethical approach
We build guardrails into our loans to help keep borrowing safe:
- Clear, simple fees: You know the cost before you accept.
- One active loan at a time: Your previous loan needs to be repaid in full before you can take out another, so you don’t end up revolving debt.
Flexibility
Repayments for our loans are generally aligned to your pay cycle and automatically debited, so there’s one less thing to think about.
Money insights and tips
Our vision is to empower our members with greater financial wellbeing. That’s why we offer free money insights through Financial Pulse , a read on how your income and spending are trending. Find out more about Financial Pulse. Check out our blog for tips and tricks on spending smarter. We’re also looking at ways to improve budgeting, so have your say in the Beforepay app!
