Beforepay’s pay advances for vet bills

When your furry (or feathered, or hairless, or scaly) friend needs medical attention, the last thing you want to worry about is how to finance their care. That's where Beforepay steps in. We believe that you should never have to delay getting your pet adequate care for financial reasons. Instead, with Beforepay Pay Advance, we help you access up to $2,000 of your pay in advance so you can cover the vet bill. Beforepay is available 24/7 in Australia, anywhere you have an internet connection, with money in your account in as little as five minutes with Pay Advance. That means you can get your cash before you even leave the waiting room.

We know how stressful it can be when your pets are sick, so we work hard to make sure that there’s no added stress from your finances. With our 5% fixed fee and no interest or late fees on the Pay Advance, we offer an affordable way to get your pay early. Then, once you get paid, you can take your time paying us back – up to 62 days, with flexible repayments. In times of need, our service is not just a financial tool; it's a lifeline for your pet's well-being, ensuring you can get them the care they need immediately.

With Beforepay's ethical pay advances, you can get money for whatever costs you need – whether that’s a taxi to the vet, the vet bill itself, or any other expenses that might arise. This means no more sleepless nights or cutting corners to afford your pet's treatment. Our process is quick, simple, and designed to provide relief when it matters most. By choosing our service, you're ensuring not only that your pet gets the care they need, but also that you won’t suffer extra financial stress in the future because of it.

Our commitment is to your pet's health and your peace of mind. As Australia’s two-time Ethical Lender of the Year, we’ve supported countless Aussies and their pets when they need it most. We hope that you don’t need an urgent vet bill loan, but if you do, we’ll be here, any time, because we’re committed to supporting you when you need it most.

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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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