Ethical quick cash loans available online 24/7

The need for a quick cash loan can arise at any moment. Luckily, Beforepay is available anytime, anywhere. We’ll get your money to you in as little as five minutes, with no hidden costs. That means you can request a loan before hopping in the shower, and by the time you get out, the money for your bills will have hit your account.

Our platform provides an ethical, streamlined, and straightforward way to secure a quick cash loan, ensuring that Australians have access to the funds they need, exactly when they need them. Unlike many traditional lenders, Beforepay’s loans are flexible, fixed-fee, and immediately available, so you can get your money instantly to spend wherever you like.

The essence of Beforepay’s service lies in its ability to offer a quick cash loan without the traditional complexities and delays. Whether it’s an unexpected lease break fee, a last-minute phone bill, or just managing until the next payday, our quick cash loan is designed to provide immediate relief. We understand the urgency that comes with needing fast financial assistance, and our platform is geared towards meeting these demands with efficiency and ease.

On top of being simple and quick, Beforepay loans are a transparent ethical lending service designed to set you up for financial success. With no hidden costs or conditions, when you turn to Beforepay for a quick cash loan, you’re choosing a service that’s trustworthy and straightforward.

Our intuitive app and easy-to-navigate platform mean that the funds you need are always within reach, with no confusing steps. Since we’re here to help you break down financial barriers, we don’t require a credit check. Plus, we’ll provide you with integrated, personalised budgeting tools to give you more control over your finances. 

Your life moves fast – so do we. With Beforepay, a quick cash loan is just a click away.

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    With our transparent fees and flexible repayments, it’s no wonder we’ve won multiple Ethical Lender of the Year Awards! 

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    Fast access to funds

    Life happens, and sometimes you can't wait for your pay. We give you access to funds when payday can’t come soon enough.

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    Our free in-app budgeting tool makes budgeting easy by creating a budget tailored to you. Your mum will be thrilled!

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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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