Let your money flex with you.

Borrow up to $2000 in as little as 5 minutes, and pay only a 5% setup fee (per loan).


Why Beforepay?

- There is a fixed transaction fee of just 5%, meaning if you take out $100, our fee is only $5
- No interest
- No additional fees
- No hidden fees
- 200,000+ happy customers
- We create a bespoke budget for you to help track your spending

When is my repayment due?

Beforepay offers flexible repayment options you can choose from. You can repay your Cash Out early using the Repay Now option at any time after the minimum repayment period of 2 days. Full repayment is required in 62 days (the maximum repayment period). Your scheduled repayments can be modified in-app after Cash Out or by contacting our friendly support team.

After you Cash Out, if you need to change your repayment, you can use the Delay functionality found in the app or contact our friendly support team for help. Pick what works for you!

What does Beforepay offer?

1. Get small loans up to $2000.
You just pay us back in instalments that you select, alongside a 5% fixed fee (no interest) and of course, we don’t have any hidden fees or charges. It's just not our style.

For example, if you borrow $300, you can select a repayment schedule that works for you. This could be a few days to a couple of months. Regardless of the repayment schedule, the total amount you would pay back is $315. If you chose to repay in 3 instalments, each instalment would be $105. Similarly, if you decided to pay back in one instalment, you’d pay $315. There is no interest or hidden fees.


2. Spend smart
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.

3. A bespoke budget just for you
We look at your spending and help you budget better and plan smarter. No judgement here. We’ll even create a budget for you, just an extra free service from us to you.

How exactly does Beforepay work?
We’ve made Beforepay as simple as we can; after all, who has time to translate a whole lot of financial jargon?!

1. Download our app
2. Check you meet our criteria
3. We verify your income
4. We calculate your Cash Out limit
5. You can take out cash immediately
6. We set up a bespoke budget for you to track your spending
7. You make flexible automatic fixed 5% fee repayments. No interest or hidden fees.

How much does Beforepay cost?
It’s completely free to download our app, and to use our budgeting and spending insights tools.

There is a fixed transaction fee of 5% of your pay advance. So if you take out $100, our fee is only $5. There is no interest ever (APR = 0%).

There are NO other fees.

At Beforepay, ‘fair’ is our favourite four-letter word, and we’re here to make sure you can relax until payday. So download our app now and see why we have over 750,000 happy customers (and counting).

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