How do I pay my bill when I haven’t been paid yet?

Bills don’t wait for payday, so you shouldn’t have to either. Whether your rent is due, your roommate forgot to pay the water bill, or your phone bill is more than expected, we’ll lend up to $2000 cash with Beforepay Pay Advance. It comes with just a 5% fixed transaction fee and flexible instalment repayment options to take the pressure off.

If negotiating with your service providers hasn’t worked or convincing a mate to give you a loan isn’t an option, our Pay Advance allows you to access up to $2,000. Plus, unlike conventional buy now pay later services, we give you cash direct to your bank account, so you can use it for anything – electricity bills, ATMs, rent, or whatever you need.

Our pay advance solution is designed to give you a quick cash boost when you need it most, easing the financial pressure that bills can bring. With Beforepay’s pay advance, which you can use to pay your bills, you have access to more than just money. With our comprehensive financial insights, you can easily keep track of your upcoming bills, create a personalised budget, and access advance funds if needed, to ensure that your bills are paid on time. This level of control and convenience transforms the often overwhelming task of bill management into a seamless experience.

Our focus on transparency and user-friendly services means that when you seek bill help, you’re supported by a platform that values your financial health. Beforepay empowers you to stay on top of your bills, alleviating the anxiety that can come when payday is just too far away.

With no interest or late fees, options to delay repayments, and personalised financial insights, Beforepay is designed to help you out. As a multi-award winning ethical lender, we’re proud to support Australians in times of need. Join over 700,000 Australians taking control of their finances with Beforepay.

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Frequently Asked Questions

  • How fast will I get my pay advance?

    Once you have created a Beforepay account and cash out a Pay Advance, the money is usually in your bank account in under a minute. That means you could cash out while you wait in line for your groceries and have your money by the time you get to the checkout. Our Pay Advance is designed to be fast, making it a convenient choice if you need cash quickly. The Pay Advance is also available 24/7 in the Beforepay app, including weekends and public holidays.

  • How does Beforepay work?

    Great question! Beforepay provides an ethical option for accessing short-term loans. Through our Pay Advance loans, we charge no interest - just a fixed 5% fee. 

    We're also a budgeting app, so we provide you with a personalised budget and spending insights to help you stay on top of your finances.

    If you’re still curious, we’ve answered this question in a bit more detail here.

  • How much does Beforepay cost?

    Beforepay charges a fixed 5% fee on your Pay Advance – that’s it! We don’t believe in hidden costs, so we don’t charge you any late fees, administrative fees, or anything like that. 

    For example, if you cash out $100, you pay back $105

    We also create a repayment schedule that works for you, giving you the option to repay in multiple instalments or all at once. 

    Using Beforepay also doesn’t affect your credit score.

  • Who is eligible for Beforepay?

    Eligibility for the Beforepay Pay Advance is based on your income, pay schedule, employment, and risk assessment criteria. To be eligible for a Pay Advance you must be employed with a regular pay schedule, making at least $300 in income after tax each week. (Note: no more than 50% of your income can come from government benefits such as Centrelink.) You also need to successfully pass our custom assessment criteria, which isn't related to your credit but is an analysis of your financial eligibility for Beforepay.

    The bank account you connect to Beforepay also needs to be able to process Beforepay deposits and debits, and receive your salary to be eligible for a Pay Advance. Find out more about eligible bank accounts here.

    See our explanation of eligibility criteria here.

  • How much can I cash out with Beforepay?

    The maximum amount you can cash out with a Beforepay Pay Advance is currently $2,000. If you’re a new customer, that limit may be between $50 and $1,000 depending on a variety of factors, such as how much you get paid and your debt. Your Beforepay account history and successful repayments can also impact how much you can borrow. Your limit is recalculated each time you cash out to make sure you get the right amount for your current situation. For more information visit our Help Centre here.

  • How do I repay my loan?

    Once you have a Pay Advance, there are a variety of ways to pay it back. We automatically create a repayment schedule for you, aligning this with your pay cycle. You also have the option to repay in instalments or all at once if you prefer. If circumstances change, you can delay your repayment, or repay early.

    Once you have chosen a repayment schedule, you can sit back and relax since your repayments are automated.  If you wish to make a manual repayment, you can also use PayID or Osko.

  • Can I get my pay now even if I’m being paid later?

    By accessing a Pay Advance with Beforepay, you can access your wage before your payday, and pay it back later in instalments. We know that your cash flow can change, and you can’t always wait until payday. That’s why, with Beforepay Pay Advance, you can get a cash boost of up to $2,000 (subject to eligibility and assessment criteria) in as little as five minutes. By providing a Pay Advance quickly, we aim to make sure you always have access to extra funds when you need, even if your payday is still a while away.

  • What banks does Beforepay support?

    Beforepay currently supports a number of banks . Some of the most commonly asked-after banks that we support include CommBank (Commonwealth Bank), Westpac, ING, and Macquarie Bank. Good news – all these banks are compatible with Beforepay! To see the full list, which includes many more, please click here.

    We’re always looking to expand our services, so if you can’t see yours on the list, you can send a request to add your bank by sending an email to support@beforepay.com.au

  • Do you contact my employer?

    No, when you use Beforepay your employer will not be contacted. We value your privacy, so we just talk to you, not your employer.

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