A Payday Loan Alternative

Beforepay is not a payday lender. We help eligible customers access funds quickly, with clear costs upfront and loan options that are safe and affordable, unlike traditional payday loans.

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Why choose Beforepay?

  • Not a payday lender: Beforepay is different from traditional payday lenders, giving eligible customers a way to access funds with clearer costs and fewer surprises.
  • Access funds quickly: If approved, funds are sent directly to your bank account in minutes, so you can manage urgent costs sooner.
  • Clear costs upfront: See your costs and repayments before you borrow, so you know what to expect from the start. No hidden costs, no surprises.
  • Affordable loan options: Beforepay is designed to offer more affordable loan options than traditional payday loans, with no hidden fees.

From sign-up to funds in account in minutes

  • 1

    Create your account

    Sign up online or in the Beforepay app to get started.
  • 2

    Complete your checks

    Verify your details and securely connect your bank so your eligibility and available loan options can be assessed.
  • 3

    Review your loan options

    If eligible, you can review your loan amount, costs and repayment schedule before deciding whether to apply.
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A safer way to borrow before pay day

  1. A payday loan alternative

    Beforepay is not a payday lender. We aim to make borrowing safe and affordable, giving eligible customers a way to access funds quickly while seeing costs upfront before applying.
  2. For urgent cash needs

    Beforepay can help when everyday costs, bills or unexpected expenses come up before pay day.
  3. No hidden
    fees
    ‍
    We show your costs upfront, so you can understand the details before deciding whether to borrow.
  4. Repayments made clear

    Your repayment schedule is shown upfront, helping you understand what is due and when.
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‍† Approved loan amounts are subject to Beforepay’s lending criteria and verification requirements.
Maximum repayment period is 62 days. There is no minimum repayment period.
Terms and conditions apply. All applications are subject to credit assessment, eligibility criteria and lending limits. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser. BPG Credit Pty Ltd, ABN 59 673 570 575, Australian Credit Licence 554659, is the credit provider for Beforepay Personal Loans. Beforepay Pay Advance is offered by Beforepay Finance Pty Ltd, ABN 45 636 670 525. Both entities are subsidiaries of Beforepay Group Limited, ABN 63 633 925 505. Level 9, Suite 1, 77 Castlereagh Street, Sydney NSW 2000. 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. Bank logos and trademarks are the property of their respective owners and are used for identification purposes only. No endorsement or affiliation is implied.

© 2026 Beforepay Group Limited. All rights reserved.